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25.01.2022 Reserve Bank slashes cash rate to a new record low Interest rates have been cut to 1.25 per cent in the first change since August 2016. Here's how it affects you. Read in Yahoo Finance Australia: https://apple.news/AykJK1M6GSDSmuI_tPCHUPA... Shared from Apple News

23.01.2022 Should I choose a variable or fixed interest rate home loan? It’s the age-old and hotly-contested question: should I fix my home loan rate, or take the risk with variable rates? Read in Yahoo Finance Australia: https://apple.news/AJlU6I1ysQF25qVFFPBjyvQ

23.01.2022 https://www.mybusiness.com.au//7009-small-builders-and-tra

22.01.2022 If you're reading the below and you have an Interest Only facility, contact me now for a review so you are not disadvantaged later. How average mortgage repayments will surge by $7000 a year Average mortgage repayments for some Australian borrowers are set to surge by $7,000 a year even though interest rates are at a record low.... Read in Daily Mail: https://apple.news/ACxrT599iT9quol2cJAts5g Shared from Apple News

19.01.2022 As mortgage rates plunge, millions more homeowners can benefit from refinancing There are now about 5.9 million borrowers who could see their rates drop by at least 75 basis points by refinancing their mortgages. Read in CNBC: https://apple.news/A26hwURSbTEqbtl_yBjy8eg... Shared from Apple News

18.01.2022 Now Could Be a Great Time to Refinance Your Mortgage Mortgage rates have fallen so much lately that millions of homeowners might benefit by refinancing even if they bought a home just last year. A typical refinancer could save more than $150 a month. Some homeowners have gotten the message: Refinance applications have almost doubled compared to a year ago, according to the Mortgage Bankers Association. But many homeowners might be unaware that mortgage rates have declined s...o dramatically that they could save money by refinancing. Many potential Read in NerdWallet: https://apple.news/A1h2HqW5jN5WlSIvFsIYBtg Shared from Apple News

18.01.2022 Mortgage rate cuts not automatic for all borrowers at all banks The big four banks are lowering their headline rates between 0.18-0.25 percentage points. From now until the end of the month banks will be notifying their customers they have less to pay on their mortgage repayments. Key points:Analysts say some banks may not pass a rate cut onto all of their variable mortgages Discount mortgage rates paid by most borrowers are already well below standard variable mortgage rates... Some of the big four rate cuts take effect this week, others are nearly a fortnight Read in ABC News: https://apple.news/AhtaYe-8SRJ6P1gDErcEO4w Shared from Apple News

14.01.2022 'House of cards': If borrowing was a sport, Australia would win the gold medal Housing has fuelled Australia's record household debt. When it comes to household debt, Australians are world record holders. Key points:Australian household debt is close to 200 per cent of income Most of that is tied up in mortgages Commonwealth Bank CEO Matt Comyn says despite the debt, there is no need for concern while interest rates remain low "We've got household debt to income on just a touch under 200 per cent, and that in my view is a massive macro risk," Gerard Minack, economist and Read in ABC News: https://apple.news/A0Xe6f4t4Ti6L8Wrp81YBQQ

13.01.2022 A specialist in Home Loans, Car Loans and Commercial Loans....In fact 'All Loans'. Service is my proposition! Welcome to my page....share my journey!

12.01.2022 Mortgages will be easier to get as banking regulator eases restrictions People may be eligible for larger home loans from Friday as Apra allows lenders to change the way they assess a customer’s ability to pay The Australian Prudential Regulation Authority has told lenders they can immediately change the way they assess customers’ ability to meet mortgage repayments in Australia’s new low-interest paradigm. As flagged two months ago, Apra has eased serviceability requirements... by no longer expecting banks to ensure customers could still repay their loan if its Read in the guardian: https://apple.news/AJWnbKEfZO0K6cn83EaplIw Shared from Apple News

09.01.2022 https://www.rta.qld.gov.au//Educational-/RTA-responds.html

09.01.2022 https://finance.nine.com.au//property-news-owner-occupiers

09.01.2022 Shirley was fantastic when our pre-approved finance fell through after we purchased our apartment. She was able to do all the hard yards on finding a lender who... would lend to us which was a massive weight off our shoulders as we were busy with work and didn't have time to focus on it ourselves. Can highly recommend See more

08.01.2022 Cut out 'Wagyu, shiraz and caviar' to afford a home loan, judge rules in Westpac case Westpac last year agreed to pay ASIC a $35 million settlement, but this was rejected by the court. The Federal Court has dismissed Australian Securities and Investments Commission's responsible lending case against Westpac and ordered the regulator to pay the bank's costs. Key points:Westpac is found not to have breached responsible lending laws in almost 262,000 home loans approved using an... automated system Justice Perram found that the bank had adequately considered borrowers' declared living Read in ABC News: https://apple.news/A7JdYFo4kT6Oc0IBYOV2M3w Shared from Apple News

06.01.2022 Home borrowers set to receive $100,000 lending boost A single person on an income of $80,000 could be able to borrow nearly $100,000 more, if proposed changes to lending rules and interest rate cuts come through. Read in The Sydney Morning Herald: https://apple.news/A80XyZ7mUT5qMMggLaG-Qxg... Shared from Apple News

05.01.2022 How to freeze your credit to prevent fraud or identity theft MONEY & MARKETS Mangostar / Shutterstock.com It only takes a phone call or visit to a website to freeze your credit but you have to do it at all three credit bureaus. Freezing your credit is a free way to stop activity on your credit report if you suspect your identity or data was breached or stolen. A credit freeze is free, doesn't damage your credit score, and you can lift it when you need a credit check. You ha...ve to contact each of the three credit bureaus directly, and will be given a PIN Read in Business Insider Australia: https://apple.news/A3v5L8LGkTlipfe1FEIHvCA Shared from Apple News

03.01.2022 https://apple.news/AvNtxw1aKQFSHSRORGlaLCg

02.01.2022 A boost for the property market and bank revenues: Analysts react to APRA's proposed home loan changes Read more at https://www.businessinsider.com.au/author/david-scutt