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Arrange Finance Pty Ltd

Phone: +61 1300 825 556

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25.01.2022 INTEREST RATES - TO FIX OR NOT TO FIX! Clients ask my advice on if they should fix their home loan interest rate or not. If you have already asked me that question, you would have likely received a scanned copy of a newspaper article published in December 2015 where Justine Davies starts her well-researched response with Theres no right or wrong answer to this question. I would prefer to say you need a crystal ball to look into the future to work out what is the best optio...Continue reading

25.01.2022 CALLING ALL INVESTORS! Has your lender been increasing rates on your investment loans costing you money? Contact me if you want a comparison to see how I can save you money and tell you which lender dropped their investor rates today:-... - by 40 basis points (0.4%) on its Flexible Home Loan, 2 year fixed rate for investors paying interest only. (This would save you $2,000 per year on a $500K loan) - by 25 basis points (0.25%) on their Flexible Home Loan, 2 year fixed rate for investors paying principal and interest. - by 20 basis points (0.2%) on their variable rate for new Flexible Home Loans with Member Package for investors paying interest only with an LVR of 80% or less for loan amounts of $150k or more.

24.01.2022 RESERVE BANK KEEPS INTEREST RATES ON HOLD WHILE REKINDLING WINS THE MELBOURNE CUP! The Reserve Bank has left the cash rate on hold continuing the record low rate of 1.5 percent for the 15th month in a row. What will happen with interest rates in the future can only be worked out with a crystal ball. All past reports suggesting the cash rate will be increased by now and some saying they may drop another 25 basis points have not come true.... If you want to back a sure thing and lock your home loan interest rate in with some of the low rates on offer now, simply contact us at Arrange Finance to have a no obligation, free review of your loan to see how we may save you money.

24.01.2022 INVESTOR SPECIAL EFFECTIVE TODAY! One of our panel lenders launched a new special variable rate pricing offer today for eligible investor principal & interest borrowers. Eligible borrowers can access a special rate of 3.99% p.a. (comparison rate^ 4.13% p.a.) on new residential investor principal & interest variable rate lending. Thats a 0.32% p.a. discount off the carded rate, so call Arrange Finance now on 1300 825 556 to take advantage of this special.... This special offer complements the lenders existing owner occupier, principal & interest lending special of 3.79% p.a. (comparison rate^ 3.93% p.a.) for eligible borrowers. See more

24.01.2022 To all my investor clients, the article scanned from todays Australian newspaper is worth a read.

23.01.2022 Help support Pamela Lunniss who is hosting a morning tea in support of the cancer council. http://qld.cancercouncilfundraising.org.au/Plunniss Thank you to the Arrange Finance clients who trust me to arrange finance for their home and investment loans. With your support, it has allowed me through Arrange Finance to give back. ... A donation to the Cancer Council was made thanks to all Arrange Finance clients. See more

22.01.2022 Change in dwelling values over the past 12 months, previous 12 months and annually for the past five years. (Report from CoreLogic)

19.01.2022 NEED FINANCE APPROVAL FAST Sometimes the most suitable lender is the one who can give formal approval in the timeframe you require. At Arrange Finance if you need formal approval quickly, we can approach lenders who we know are reviewing your application within 24 hours of receipt and giving formal approval within a week. The best turn around from application to formal approval is on the same day as the application is submitted.... For this to happen, clients need to help themselves by answering all the questions we ask at the initial contact and provide all the supporting documentation asked for such as bank statements, contract to purchase and proof of income. If the assessor receives a complete application package and does not need to ask for more they are more likely to complete the assessment quickly because we made it easy for them.

19.01.2022 CAR LOANS FOR ENVIRONMENTALLY FRIENDLY CARS GET A REDUCED INTEREST RATE, SAVING YOU MONEY! Just out, a lender is offering reduced rates for car loans when buying environmentally friendly cars. All new Hybrid cars automatically qualify. In addition to hybrids, have a look at the list of other cars to qualify. (The image may be hard to read, so contact me for the list, which includes sporty European models through to the Ford Ranger XL)... The criteria are; Only available to New and Demo vehicles. If a Demo vehicle, it must have been built in the last 12 months and have less than 2,000 Lims on the ODO. Give me a call or message if you want to explore Green car interest rate loans for your next vehicle purchase.

19.01.2022 Investor loan rates. Through Arrange Finance, you can access some very competitive investor loans. Base variable rates under 4% for investors with 20% equity and paying principal and interest off their loan. ... Call or message for further information or a review of your current investor loan.

19.01.2022 WATCH YOUR EXPENSES As a result of the Royal Commission into the banking and finance sector, lenders are tightening their credit policies. A recent application for a home purchase was refused as the applicants statements showed a $5.90 per day coffee purchase that the lenders assessor could not find an allowance for in the living expenses listed. Once the $5.90 was allowed for in the applicants expenses, the $2,153.50 yearly expense was the difference between the applica...tion being approved or in this case declined. In the last two months, lenders have changed their lending policies increasing the level of detail required around expenses. Your actual expenses can be the difference between a declined application or one that is approved. There are a number of budgeting tools available to help you track where you spend your money. The governments Smart money website has a user-friendly budget tool available for free.

19.01.2022 Which lender is restricting lending on Brisbane units in the following postcodes? They are not the first lender to place restrictions based on postcodes, however, this is one of the larger lists of postcodes published. Effective Monday, 23 October 2017 one lender will not accept investment home lending applications for apartments in specific postcodes in the Brisbane CBD and metro area with a loan to value ration (LVR) > 80%.... Arrange Finance can still get you quality finance products for all your investment lending greater than 80% LVR.

18.01.2022 What will the RBA do with interest rates if the Australian dollar continues to strengthen? The strengthening Australian dollar has caught my attention the last two weeks. ... With the dollar now buying 80 US cents, it may be a great time to plan an overseas holiday with the money we earn in Australia buying us more internationally, but how will a strengthening dollar affect the reserve bank analysis on any need to raise interest rates? As economists still do not agree on what the RBA will do with the official cash rate, (Interest rates) we need a crystal ball to be certain. It is, however, worth watching some of the key factors the RBA takes into consideration each month when they meet so that you maintain your own awareness of the likelihood of any upcoming rate rises or decreases. The start of 2018 has filled my inbox with lender specials for both owner occupiers and investors. The lenders have started the year competing for your business. Please contact me if you want to review your current loan and see what savings are available to you through refinancing or if you ever want to discuss fixed rate loan options to give you peace of mind and counteract interest rate rises.

16.01.2022 The chief executive of a non-bank lender has said that any reduction in broker remuneration will have an impact on the quality of deals they submit, arguing that a broker must be paid as a professional. With banks having cut back on staffing numbers and branches, Brokers serve an important role in helping consumers finding quality lender products to suit their needs. It is good to see Peter James recognising the value a mortgage broker brings to consumers.

15.01.2022 Thankyou Firstmac! A great morning with Firstmac at the Brisbane Broncos training session today. Pamela Lunniss who has been helping with behind the scenes administration at Arrange Finance and I got to meet Petero Civoniceva, which was fantastic. Talking with Petero confirmed he is a true gentleman.

15.01.2022 Interest rates remain unchanged for two years The reserve bank has decided to leave the cash rate at 1.5%. As per my post on 28 June there are many people who said interest rates would be increased by the reserve bank before now. The reality is no one has a crystal ball as to what rates will do as the Reserve bank board take many data-driven indicators into account prior to making their decision each month. Forget media beat up. Rather follow the data and the facts provided to us from the Reserve bank.

13.01.2022 Wishing everyone a very Merry Christmas, safe holidays and fantastic 2018!

11.01.2022 Have you seen this car? A Brisbane mother of two has had her car stolen. Unfortunately it was not insured. Please call the police Or contact Hendra Police on (07) 3632 2333 and private message me if you happen to see it on the streets somewhere. ... VOLKSWAGEN TIGUAN (Silver, roof racks, bonnet protector similar to above) Rego: 520SYE Stolen Friday 19th June at 1am from 59 Beatrice Tce, Ascot.

11.01.2022 House price affected by finance accessibility and decisions enforced by APRA. Today, I read a Corelogic published article written by Tim Lawless, which contains the following graph. I found it interesting and thought it was worth sharing to demonstrate the effect decisions made by the Australian Prudential Regulation Authority (APRA) to control lending limits can have on, firstly the change in Investor housing credit and in turn the change in dwelling values.... What many people are not aware of is, lenders change their credit policy and often raise interest rates to comply with requirements handed down by APRA. A simple example is when APRA required the lenders to reduce to 10% the number of investment loans they issued, the banks with a large amount of investment lending raised interest rates to reduce their competitiveness and discourage investors. You could easily argue this simply meant the lenders were making a higher profit on any investor loans they did issue. Once they reached the APRA targets they eased their credit policy to attract more investor business. I find it an interesting discussion topic which can be further enhanced by the data in the graph. If you would like me to share a link to the Corelogic article, send a message with your best contact for me to send the link.

08.01.2022 Anyone who stops learning is old, whether at twenty or eighty. Henry Ford I am proud to post my latest learning achievement and upgrade to my qualifications. My Diploma of Finance & Mortgage Broking Management. ... If I reverse Henry Fords quote, I should stay young forever as I endeavor to continue learning all my life and sharing what I learn to benefit others.

08.01.2022 As anticipated, the Reserve Bank of Australia has announced the nations official interest rate remains on hold at a historic low of 1.5 percent. The rate has remained at this level since August 2016, when it was reduced from 1.75 percent. Contact me at Arrange Finance if you want to review your loan and see how I can save you money and help you pay off your loan faster.

07.01.2022 SAVE MONEY BEFORE CHRISTMAS! I regularly save people over $50 per week when we review their finance commitments together and sometimes achieve savings for clients over $100 per week on their home loan. If you want a free home loan health check, message Arrange Finance from our facebook page, email from our website or phone 1300 TALK LOANS on 1300 825 556

07.01.2022 Happy New Year 2019! 2018 saw very little change for existing clients already in good home loans. Everything was stable with no change to the cash rate by the Reserve bank. However, there were big changes for people wanting new loans with the banks tightening lending criteria in response to the Royal Commision findings. The biggest change is greater scrutiny of an applicants expenses and living costs.... If you do not have a New Year Resolution, but want to get a new loan or refinance an existing loan soon, I suggest your resolution should be to think before you buy something you do not need, Cut back on the luxury expenditure and look at ways to save on living expenses while still maintaining necessities and some lifestyle/entertainment expenses. If you ever want some advice or help with your budget, I am happy to discuss over a coffee. I can also help you become loan ready for when you do need a loan. Wishing you all a sensational and positive 2019

06.01.2022 Congratulations Binny Singh and Gary on your home purchase

04.01.2022 Congratulations Alex Lushington on purchasing your first home. It has been a pleasure helping you. Enjoy the new home

04.01.2022 How much Rent can you expect to receive for your rental property? I am often working with new and seasoned investors who are trying to budget for a new purchase without knowing how much they can expect to receive in rent. If the property is not currently rented the next best way to determine a rent figure is to have a local rental agent view the property and give you an appraisal. I would suggest not using a rental estimate provided by the selling agent as they generally do... not specialise in rentals. The other resource available for Queensland rental properties is, the median rental data collected and shared by the Qld Rental tenancies authority. I have personally used this data for over ten years. Here is the link to the RTA Median rents page. If you need help navigating the data send me an email or give me a call. https://www.rta.qld.gov.au//Me/Median-rents-quarterly-data

04.01.2022 INVESTORS! - This weeks rate offers. *Interest only - Arrange Finance can offer a selection of interest only loans from four lenders offering investment rates below 4.3%. *Principle and interest - Arrange Finance can offer a selection of Principle and interest payment loans from 6 lenders offering rates below 4%.... *Upfront, Monthly and Annual fees may apply, depending on the loan product. Call or message to see if Arrange Finance can save you

04.01.2022 PROPERTY FLIPPING REPORT - By CoreLogic CoreLogic has just released a report that analyses purchase price against the sale price achieved on properties bought and sold by property flippers. What is property flipping? Flipping is a term used to describe short term property trading; a buyer purchases a home with the intent of reselling the property in a short time frame (Generally one or two years) for a profit. ... The data shows just under 90% of flips were sold for more than the purchase price. Message us if you want to receive an emailed copy of the 24 page report.

04.01.2022 NATIONAL DWELLING VALUES LATEST REPORT. Latest CoreLogic December Hedonic Home Value Index results show national dwelling values slipped lower over the month of December, led by falls across Sydney, Darwin, Melbourne and Perth.... See some of the figures below or message us with your prefered email address to receive a full copy of the CoreLogic report.

03.01.2022 RESERVE BANK KEEPS INTEREST RATES ON HOLD The Reserve Bank has left the cash rate on hold continuing the record low rate of 1.5 percent for the 16th month in a row. What are the influences doing?... Inflation is currently sitting at 1.8 percent, below the Reserve Banks target band range of 2 to 3 percent. As I write this post, the Australian dollar is buying 76 US cents. The housing market has slowed as seen by the reduction in recent auction clearance rates. If you are trying to pick the best time to lock in interest rates keep watching the market and give me a call or message to help you when you think the time is right for you.

03.01.2022 Darwin is the most affordable capital city to purchase a residential property when compared to the average income. The following affordability graph was published in the Australian newspaper today.

02.01.2022 I Have had a fun time handing out handmade Lindt chocolate Christmas trees to all clients who settled a loan with me this year. Here are two very happy boys with their familys tree.

02.01.2022 Corelogic House market update videos. If you want information on what to expect from the Australian residential property market, have a look at the link, which shows easy to understand videos summarising the latest property data. Tim Lawless, Corelogics research director, provides data backed opinion on what is happening in the property market across the country.... https://www.corelogic.com.au/housing-update I hope sharing this link is of value to you. Happy house buying.

01.01.2022 I enjoyed reading the following article. "I Lived On 51% Of My Income & Saved $17,000." It shows how all of us can cut back and save a lot or live off very little.... https://apple.news/ARRxJHRjLTcKexcZo-xKEIQ The section in the article about the sister Allis saving habits reminded me of the book The richest man in Babylon. Find my facebook post from 26 July 2016 to see the offer I made then, which I will still honour today.

01.01.2022 ARRANGE FINANCE PRIVACY POLICY UPDATED. Dear Arrange Finance Clients, The Arrange Finance Privacy policy found on our website has been updated to keep us compliant. The changes are minor in nature and are contained under the following headings.... * How we use your personal information * What are the other ways we use your information? * The Arrange Finance Contact us options. Message us anytime you would like to receive a copy of our current privacy policy.