Astute Lending Services in Wantirna South, Victoria | Finance

Astute Lending Services

Locality: Wantirna South, Victoria

Phone: +61 448 884 106

Address: Unit 7, 410 Burwood Highway 3152 Wantirna South, VIC, Australia

Website: http://www.astutelending.com.au/

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25.01.2022 Hi folks. The attached article highlights where I can help clients with their lending. Going direct to a bank, only exposes you to their product range and lending policies. As a professional broker, we have access to multiple lenders and all of their credit policies, which do differ from lender to lender. If you know of anyone that I can help, please send them my way. Cheers Dean

25.01.2022 How low can we go? Common banks and lenders, who's going to be the first to drop their variable rates?????

23.01.2022 Hi folks. Please see some important information in relation to depreciation changes for investment properties that was introduced late last year.

23.01.2022 https://www.corelogic.com.au//property-market-2020-what-li

23.01.2022 Hey folks. Further to my post the other day, heres a take away line: "The Prime Minister added: Labor wants to pull the rug out from under them, so I think mortgage brokers and those who rely on them can have a very clear choice; were backing the mortgage brokers, Labor is backing the big banks. and ... We hope the Labor Opposition also does its due diligence and comes to the same conclusion to retain the current structure, which is clearly best for consumer outcomes, Personally, I dont believe the Labor government is interested in whether there is a competitive finance industry or not. Please consider who you are voting for. I have a mortgage and I certainly dont want to see less competition and as a consequence higher interest.

23.01.2022 Cheaper interest rates could still be coming in the near future.

23.01.2022 Hi folks. Please see a link to the jobs/employers who can remain open and those unfortunately who have to close. I hope everyone is looking after both their physical and mental health. Reach out to someone if you need to talk. ... We will get through this. https://thenewdaily.com.au//stage-four-workplace-restrict/

23.01.2022 Wow folks!!!!! Now over to the banks. Who is going to pass on the drop to their interest rates?

23.01.2022 Hey folks Please see the below a link to a handy publication that Westpac has provided for anyone looking to buy an investment property. If you have any friends or family that would be interested in the content, please send it on to them as well. ... https://www.westpac.com.au//Westpac-Broker-PropertyInvesto

22.01.2022 C'mon banks. You can do better!!!!

22.01.2022 For a few years now, loans have been assessed on a rate of 7.25%pa as a minimum across the majority of the lenders. This is despite historically low rates. Lets hope there is some relaxing of this policy, so it will help all borrowers, whether theyre buying and/or refinancing for a cheaper interest rate or loan that best suits their needs.

21.01.2022 Happy new year and welcome to 2019. Some interesting stats are included in the attached article.

21.01.2022 Get those extensions happening folks!!!!

21.01.2022 Hi folks. Please see an interesting article explaining the payment holidays that the banks were/are offering as a result of the covid-19 affecting the economy, jobs and businesses alike. If you have requested the payment holiday, but things have changed/improved and you can now afford to make the payments again, you don't have to wait until the end of the agreed period. You can contact the bank and ask them to change the loan back to how it was originally. ... If you have any questions in relation to the article, I would be happy to discuss them with you.

20.01.2022 This is an interesting diagram of the property market for residential dwellings.

20.01.2022 Some general information for the first time buyer. Enjoy!

19.01.2022 FINALLY! AUSTRALIAN DOCTORS SPEAK OUT AGAINST THE ANDREWS GOVERNMENT Doctors’ Open Letter to Daniel Andrews 1st September 2020 Dear Premier, We, the undersig...ned, are senior medical practitioners of various specialities who practice in Victoria and are deeply concerned with the Victorian government’s management of the SARS-CoV-2 (COVID-19) viral pandemic as a public health issue. The purpose of this letter is to make you aware that not all medical practitioners are in agreement with the Chief Medical Officer and the Victorian government regarding the most effective way to control this disease. We believe that an alternative medical response is required that reflects what we know about the spread of the virus, those who have died from it, and the impact that the stage 3-4 lockdown restrictions are having on the physical and mental health of the general population. For the sake of people in Victoria with other medical illnesses, it is vital that Stage 4 restrictions be lifted on schedule in mid-September. This letter details our concerns and recommendations. We are ready to offer any assistance we can to help create and implement a revised, effective and just response to the Victorian situation; to this end we would be pleased to meet with you at your convenience to discuss the matter further. Government Response to Covid-19 and Available Data Focusing on the numbers of cases of COVID-19 is at best an unsophisticated way of looking at disease management. Factors such as the side effects of any policy, its cost effectiveness, the quality of life years lost, and the cost per life saved are fundamental when considering disease management. In addition, any policy to manage any disease must be reviewed in light of new data. We believe that the government’s initial response to handling COVID-19, via a stage 3 lockdown to ‘flatten the curve’, was reasonable in view of the limited information available at the time on the outbreak in China and the alarming number of deaths in Italy. The initial response, though arguably excessive, was still highly effective in preserving medical capacity and allowing time to co-ordinate a full medical response, with the community accepting that the social and economic consequences were reasonable and for the common good. However, we now know that whilst COVID-19 is highly contagious, it is of limited virulence. Whilst an accurate cause of death of a person can be difficult to determine, we are told that since March 2020, 565 Victorian patients have died either with or from the virus (31st August numbers). This compares with annual Victorian deaths of approximately 10,000 patients with cardiovascular disease and 11,000 with cancer. Accordingly, the COVID-19 deaths are a relatively small proportion of the 114 deaths per day that are normally seen in Victoria. In comparison, since the start of March COVID-19 has been associated with 3 of the 114 deaths per day. Most of the 565 deaths have occurred in nursing homes which according to doctors currently working in this environment have described causal factors related not only to the virus but to other care related issues, including isolation, loneliness, and related diminished nutritional intake. However, in Victoria we have had 541 LESS deaths this July compared to July last year. (3,561 deaths compared to 4,102 deaths in July 2019). In Australia last year, 2019, in the month of July alone we had 71,000 new laboratory confirmed cases, and a total of 313,000 laboratory confirmed cases of influenza for the year. This is only a fraction of the actual total cases of influenza, as many cases go untested. In August 2017 we had 99,000 new laboratory confirmed cases of Influenza and a total of over 250,000 cases for the year. During 2017 and 2019 Influenza resulted in 25-30,000 hospital admissions and up to 2500 ICU admissions across Australia. Three per cent of hospital admissions were pregnant women and up to 18 per cent were under the age of 16. The deaths from Influenza each and every year is between 3500 and 4000, according to the Australian Influenza Specialist Interest Group website and the Australian Bureau of Statistics. This is despite recent excellent rates of vaccination in the vulnerable population and millions of vaccinations utilised each year. (2020,18 million, 2019 13.2 million, 2018 11 million, 2016 8.3 million) The vast majority of deaths associated with COVID-19 have occurred in frail people over 80 years, many of whom also had significant co-morbidities. In Victoria more than 73 per cent of known COVID-19 deaths resided in nursing homes. (381 out of 524 and 30 out of 52 in NSW, as of August 30). For people who are physically well and under 60 years of age, the mortality risk is extremely low. Contrary to what you have said, Mr Andrews, the virus DOES discriminate. See graphs below. Since June 2020, the death rate has risen sharply in aged care facilities where the risk of transmission of COVID-19 has been unacceptably high. However, the government, and the doctors advising it, have not reviewed their policy in order to focus on this vulnerable segment of the population. Instead, stage 3-4 lockdowns for the whole community have continued for no apparent scientific reason. Medical and Social Consequences As medical practitioners, it is our collective experience that patients are presenting later to us with their medical complaints. Specialist referrals from GPs, and indeed GP workload, have fallen dramatically due to patients’ reluctance to leave home in fear of acquiring the virus. As a direct consequence of this delay, many will have poorer prognoses. This has especially been the case with consultants who treat cancer. A study in the UK estimated an extra 4000 deaths from not screening the four main cancers alone and not from lack of treatment. In addition, it is our professional opinion that the stage 4 lockdown policy has caused unprecedented negative economic and social outcomes in people, which in themselves are having negative health outcomes. In particular, it has caused or exacerbated depression, anxiety and other mental health issues, as well as contributed to domestic violence, through an extreme and unjustified disruption to family, social and work life. Job losses, home schooling, the isolation of the elderly and single people and the restriction on the number of people who may attend funerals, are but a few examples of how the government’s current response is harming the health of the general population. In short, the medical, psychological and social costs of the lockdown are disproportionately enormous compared to the limited good being done by current policies, and are relevant factors to be taken into account by any responsible government. Proposed Amendments to the Public Health and Wellbeing Act 2008 (Vic) We further note with much concern, that the proposed amendment to the Public Health and Wellbeing Act that would effectively allow the government to continue its current policy to manage COVID-19 even if there were to be zero cases over a period of time. This is unfathomable and certainly contrary to the objects of the Act, which require accountability, proportionality and collaboration to be fulfilled. Specifically, the legislation explicitly mandates that the government’s decisions on public health initiatives must be transparent, systematic and appropriate, with members of the public given access to reliable information in appropriate forms to facilitate a good understanding of the issue. In addition, the legislation acknowledges that decisions will be enhanced through collaboration between all levels of government and industry, business, communities and individuals. Recommendations For all these reasons, ordinary sensible people if properly informed, should inevitably conclude that the current government policy is ill focused, heavy-handed, and unjustifiable as a proportionate response to the risks posed by COVID-19 to the public’s health. As the virus is not going away soon, and an effective vaccine may not be available for a considerable period of time, if at all, we respectfully call upon the government to do the following: 1/ The State of Emergency not be continued past September 13 with an agreement made for parliament to be allowed to openly discuss and debate appropriate medical plans to manage the current COVID-19 crisis. A panel of non-politically aligned medical and health-related experts be selected by a bi-partisan parliamentary group to provide the transparent and active role of informing and advising government decisions and responses to the epidemic. 2/ Ensure adequate measures, testing, and protection of the vulnerable, especially those in aged residential care environments and their families and carers. 3/ Clearly communicate to the public the medical evidence-base, objectives and timelines of any proposed future management plans, with open disclosure of the processes and negative consequences, to inform those discussions and decisions. 4/ A broader focus be given to the health and well-being of Victorians, by utilising all relevant available data and by calculating the costs and harms, including the social, economic, family, emotional, psychological and spiritual impacts on the community, of any decisions and plans to manage the COVID-19 crisis, thereby explaining and justifying the merits of these plans as a reasonable and proportionate response. 5/ To review regularly the outcomes of any management decisions and demonstrate a willingness to modify plans as new data and insights become available. Thank you for your time in reading this letter. We look forward to your early response. Yours faithfully, Mr Geoff Wells, Urologist, Box Hill Hospital, Private Practice. Mr Bob Millar, Transplant Surgeon, Royal Melbourne Hospital Mr Jon Bare, Orthopaedic Surgeon, Monash Hospital, Private Practice. Professor Nathan Grills, Public Health Physician, University of Melbourne. Professor John Murtagh, Emeritus Professor AO Academic General Practitioner Professor Haydn Walters, Respiratory Medicine, University of Tasmania. Professor Kuruvilla George, Psychiatrist, Mr Peter Denton, General Surgeon Mr William Edwards, Orthopaedic Surgeon, Private Practice. Dr Andrew Taylor, Gastroenterologist, St Vincent’s Hospital Mr Michael Knight, Orthopaedic Surgeon, Private Practice. Dr John Mathai, Psychiatrist Dr Eamonn Mathieson, Anaesthetist, Private Practice. *The signatories do not represent the opinions of their employers. https://quadrant.org.au//a-doctors-open-letter-to-daniel-/ See also: 1. AUSTRALIA’S COURAGEOUS ANTI-LOCKDOWN DOCTORS The group includes some highly acclaimed experts with some striking credentials https://www.facebook.com/100006334301835/posts/2657695787784872/?extid=JCSzLO5a999Rbzw7&d=n 2. 579 AUSTRALIAN DOCTORS HAVE NOW SIGNED THE OPEN LETTER TO DAN ANDREWS When one is courageous enough, the rest will follow Read here: https://www.facebook.com/100006334301835/posts/2659941057560345/?extid=TQp9Qb9maLELfUl1&d=n

19.01.2022 Its good to see some exciting new funding options being introduced that may make it easier to get into property with another person. Please see the article. I look forward to seeing more information come through on this exciting option.

19.01.2022 Hi folks. Please see a link to the jobs/employers who can remain open and those unfortunately who have to close. I hope everyone is looking after both their physical and mental health. Reach out to someone if you need to talk. ... We will get through this. https://thenewdaily.com.au//stage-four-workplace-restrict/

19.01.2022 Thanks for ME Bank for providing the article. I hope you enjoy.

18.01.2022 Hi folks. With the way loans are assessed nowadays, it's important that you keep a clean credit record and a good credit score. Please see the attached info. It is a bit wordy, but still worthwhile reading. I hope you enjoy.

18.01.2022 Hi folks. Some general information.

18.01.2022 Hi folks. Some interesting reading.

18.01.2022 If youre looking to complete some home improvements and are looking for a brilliant painter, I can highly recommend Eddie.

17.01.2022 Hi folks. Below is good article to help, should you know of anybody going through the divorce process. Although it is mainly directed to women in a divorce situation, it equally applies to men too, especially if they are the ones looking after the kids.

17.01.2022 Hi folks. I hope you're all keeping healthy and safe during this time. I'm not sure how many auctions there may be in the future, but here's one person perspective. Please feel free to pass it on to any of your family or friends who might be looking at property in the future.... Thanks. Take care and stay safe and healthy.

17.01.2022 Finally some common sense! Potentially!!!! This is a great result for customers as it doesnt effect an industry that provides competition and choice, therefore not allowing a monopoly of the larger players in the market, to dictate credit policy making it harder to lend and more importantly competition will help keep the interest rates in check. Come on Labour, do you care about competition in the mortgage market, cheaper rates and looking after your constituents?

16.01.2022 The first sentence in the attached says it all. "Labors negative gearing policy is likely to hit mum and dad investors, home owners, renters and the wider economy, according to a new report released by the Real Estate Institute of Australia (REIA). "

16.01.2022 C'mon banks. You can do better!!!!

14.01.2022 Without mortgage brokers, finding a home loan will be harder and could become more expensive. Please Sign our online petition at https://www.brokerbehindyou.com.au/ and keep competition alive.

14.01.2022 Hi folks. Some good advice in this article. Enjoy.

13.01.2022 Congratulations Westpac on being the first of the major to increase home loan rates by 0.14%pa across the board. NOT!!!!!!! Sorry folks, the others may now follow suit. Just remember, we can always look at other options in the market. If I can help with reviewing your facilities, dont hesitate to contact me on 0448 884 106.

13.01.2022 If you want to support competition in the finance industry which leads to lower interest rates and more availability of finance solutions, please consider carefully who you will vote for. Liberal/Coalition is supporting our industry and therefore competition. Whereas Mr Shorten and his lot. Well theyre going to give control back to the major banks.

13.01.2022 Hi folks. Please see an interesting article explaining the payment holidays that the banks were/are offering as a result of the covid-19 affecting the economy, jobs and businesses alike. If you have requested the payment holiday, but things have changed/improved and you can now afford to make the payments again, you dont have to wait until the end of the agreed period. You can contact the bank and ask them to change the loan back to how it was originally. ... If you have any questions in relation to the article, I would be happy to discuss them with you.

12.01.2022 Hi folks. "Watch this space" as they say. The monthly RBA announcement on interest rates is due next Tuesday. Mortgage interest rates might actually move down. ING have already announced a drop. It will be interesting to see who follows suit and how quickly they will implement it.

11.01.2022 Hi folks. Please have a read of the attached. You really need to consider who you are voting for in the upcoming election. For the investors out there, the main line I took away from the article was "HIA has always said that changes to negative gearing and capital gains tax for housing are bad policy".

11.01.2022 Another Reserve Bank meeting, another month when the Reserve Bank leaves the cash rate where it is. Great news for mortgage holders and business lending clients.

09.01.2022 Hi folks. Below is good article to help, should you know of anybody going through the divorce process. Although it is mainly directed to women in a divorce situation, it equally applies to men too, especially if they are the ones looking after the kids.

08.01.2022 Hi folks. Heres an interesting story on why more people are staying put and renovating instead of moving. This wouldnt be the situation if the stamp duty costs for buying an existing property, werent so high.

07.01.2022 Hey folks. Please see some interesting info regarding the tax offset that has recently been passed through parliament.

06.01.2022 How low can we go? Common banks and lenders, who's going to be the first to drop their variable rates?????

06.01.2022 FINALLY! AUSTRALIAN DOCTORS SPEAK OUT AGAINST THE ANDREWS GOVERNMENT Doctors’ Open Letter to Daniel Andrews 1st September 2020 Dear Premier, We, the undersig...ned, are senior medical practitioners of various specialities who practice in Victoria and are deeply concerned with the Victorian government’s management of the SARS-CoV-2 (COVID-19) viral pandemic as a public health issue. The purpose of this letter is to make you aware that not all medical practitioners are in agreement with the Chief Medical Officer and the Victorian government regarding the most effective way to control this disease. We believe that an alternative medical response is required that reflects what we know about the spread of the virus, those who have died from it, and the impact that the stage 3-4 lockdown restrictions are having on the physical and mental health of the general population. For the sake of people in Victoria with other medical illnesses, it is vital that Stage 4 restrictions be lifted on schedule in mid-September. This letter details our concerns and recommendations. We are ready to offer any assistance we can to help create and implement a revised, effective and just response to the Victorian situation; to this end we would be pleased to meet with you at your convenience to discuss the matter further. Government Response to Covid-19 and Available Data Focusing on the numbers of cases of COVID-19 is at best an unsophisticated way of looking at disease management. Factors such as the side effects of any policy, its cost effectiveness, the quality of life years lost, and the cost per life saved are fundamental when considering disease management. In addition, any policy to manage any disease must be reviewed in light of new data. We believe that the government’s initial response to handling COVID-19, via a stage 3 lockdown to ‘flatten the curve’, was reasonable in view of the limited information available at the time on the outbreak in China and the alarming number of deaths in Italy. The initial response, though arguably excessive, was still highly effective in preserving medical capacity and allowing time to co-ordinate a full medical response, with the community accepting that the social and economic consequences were reasonable and for the common good. However, we now know that whilst COVID-19 is highly contagious, it is of limited virulence. Whilst an accurate cause of death of a person can be difficult to determine, we are told that since March 2020, 565 Victorian patients have died either with or from the virus (31st August numbers). This compares with annual Victorian deaths of approximately 10,000 patients with cardiovascular disease and 11,000 with cancer. Accordingly, the COVID-19 deaths are a relatively small proportion of the 114 deaths per day that are normally seen in Victoria. In comparison, since the start of March COVID-19 has been associated with 3 of the 114 deaths per day. Most of the 565 deaths have occurred in nursing homes which according to doctors currently working in this environment have described causal factors related not only to the virus but to other care related issues, including isolation, loneliness, and related diminished nutritional intake. However, in Victoria we have had 541 LESS deaths this July compared to July last year. (3,561 deaths compared to 4,102 deaths in July 2019). In Australia last year, 2019, in the month of July alone we had 71,000 new laboratory confirmed cases, and a total of 313,000 laboratory confirmed cases of influenza for the year. This is only a fraction of the actual total cases of influenza, as many cases go untested. In August 2017 we had 99,000 new laboratory confirmed cases of Influenza and a total of over 250,000 cases for the year. During 2017 and 2019 Influenza resulted in 25-30,000 hospital admissions and up to 2500 ICU admissions across Australia. Three per cent of hospital admissions were pregnant women and up to 18 per cent were under the age of 16. The deaths from Influenza each and every year is between 3500 and 4000, according to the Australian Influenza Specialist Interest Group website and the Australian Bureau of Statistics. This is despite recent excellent rates of vaccination in the vulnerable population and millions of vaccinations utilised each year. (2020,18 million, 2019 13.2 million, 2018 11 million, 2016 8.3 million) The vast majority of deaths associated with COVID-19 have occurred in frail people over 80 years, many of whom also had significant co-morbidities. In Victoria more than 73 per cent of known COVID-19 deaths resided in nursing homes. (381 out of 524 and 30 out of 52 in NSW, as of August 30). For people who are physically well and under 60 years of age, the mortality risk is extremely low. Contrary to what you have said, Mr Andrews, the virus DOES discriminate. See graphs below. Since June 2020, the death rate has risen sharply in aged care facilities where the risk of transmission of COVID-19 has been unacceptably high. However, the government, and the doctors advising it, have not reviewed their policy in order to focus on this vulnerable segment of the population. Instead, stage 3-4 lockdowns for the whole community have continued for no apparent scientific reason. Medical and Social Consequences As medical practitioners, it is our collective experience that patients are presenting later to us with their medical complaints. Specialist referrals from GPs, and indeed GP workload, have fallen dramatically due to patients’ reluctance to leave home in fear of acquiring the virus. As a direct consequence of this delay, many will have poorer prognoses. This has especially been the case with consultants who treat cancer. A study in the UK estimated an extra 4000 deaths from not screening the four main cancers alone and not from lack of treatment. In addition, it is our professional opinion that the stage 4 lockdown policy has caused unprecedented negative economic and social outcomes in people, which in themselves are having negative health outcomes. In particular, it has caused or exacerbated depression, anxiety and other mental health issues, as well as contributed to domestic violence, through an extreme and unjustified disruption to family, social and work life. Job losses, home schooling, the isolation of the elderly and single people and the restriction on the number of people who may attend funerals, are but a few examples of how the government’s current response is harming the health of the general population. In short, the medical, psychological and social costs of the lockdown are disproportionately enormous compared to the limited good being done by current policies, and are relevant factors to be taken into account by any responsible government. Proposed Amendments to the Public Health and Wellbeing Act 2008 (Vic) We further note with much concern, that the proposed amendment to the Public Health and Wellbeing Act that would effectively allow the government to continue its current policy to manage COVID-19 even if there were to be zero cases over a period of time. This is unfathomable and certainly contrary to the objects of the Act, which require accountability, proportionality and collaboration to be fulfilled. Specifically, the legislation explicitly mandates that the government’s decisions on public health initiatives must be transparent, systematic and appropriate, with members of the public given access to reliable information in appropriate forms to facilitate a good understanding of the issue. In addition, the legislation acknowledges that decisions will be enhanced through collaboration between all levels of government and industry, business, communities and individuals. Recommendations For all these reasons, ordinary sensible people if properly informed, should inevitably conclude that the current government policy is ill focused, heavy-handed, and unjustifiable as a proportionate response to the risks posed by COVID-19 to the public’s health. As the virus is not going away soon, and an effective vaccine may not be available for a considerable period of time, if at all, we respectfully call upon the government to do the following: 1/ The State of Emergency not be continued past September 13 with an agreement made for parliament to be allowed to openly discuss and debate appropriate medical plans to manage the current COVID-19 crisis. A panel of non-politically aligned medical and health-related experts be selected by a bi-partisan parliamentary group to provide the transparent and active role of informing and advising government decisions and responses to the epidemic. 2/ Ensure adequate measures, testing, and protection of the vulnerable, especially those in aged residential care environments and their families and carers. 3/ Clearly communicate to the public the medical evidence-base, objectives and timelines of any proposed future management plans, with open disclosure of the processes and negative consequences, to inform those discussions and decisions. 4/ A broader focus be given to the health and well-being of Victorians, by utilising all relevant available data and by calculating the costs and harms, including the social, economic, family, emotional, psychological and spiritual impacts on the community, of any decisions and plans to manage the COVID-19 crisis, thereby explaining and justifying the merits of these plans as a reasonable and proportionate response. 5/ To review regularly the outcomes of any management decisions and demonstrate a willingness to modify plans as new data and insights become available. Thank you for your time in reading this letter. We look forward to your early response. Yours faithfully, Mr Geoff Wells, Urologist, Box Hill Hospital, Private Practice. Mr Bob Millar, Transplant Surgeon, Royal Melbourne Hospital Mr Jon Bare, Orthopaedic Surgeon, Monash Hospital, Private Practice. Professor Nathan Grills, Public Health Physician, University of Melbourne. Professor John Murtagh, Emeritus Professor AO Academic General Practitioner Professor Haydn Walters, Respiratory Medicine, University of Tasmania. Professor Kuruvilla George, Psychiatrist, Mr Peter Denton, General Surgeon Mr William Edwards, Orthopaedic Surgeon, Private Practice. Dr Andrew Taylor, Gastroenterologist, St Vincent’s Hospital Mr Michael Knight, Orthopaedic Surgeon, Private Practice. Dr John Mathai, Psychiatrist Dr Eamonn Mathieson, Anaesthetist, Private Practice. *The signatories do not represent the opinions of their employers. https://quadrant.org.au//a-doctors-open-letter-to-daniel-/ See also: 1. AUSTRALIA’S COURAGEOUS ANTI-LOCKDOWN DOCTORS The group includes some highly acclaimed experts with some striking credentials https://www.facebook.com/100006334301835/posts/2657695787784872/?extid=JCSzLO5a999Rbzw7&d=n 2. 579 AUSTRALIAN DOCTORS HAVE NOW SIGNED THE OPEN LETTER TO DAN ANDREWS When one is courageous enough, the rest will follow Read here: https://www.facebook.com/100006334301835/posts/2659941057560345/?extid=TQp9Qb9maLELfUl1&d=n

06.01.2022 Cmon banks. You can do better!!!!

05.01.2022 Some good news folks for the first Tuesday of the month. The Reserve Bank has again left the cash rate where it is. Lets hope theres no further "out of cycle" rate rises by the banks/lenders.

05.01.2022 Some great news from the world of finance. The Reserve Bank has once again left the cash rate at 1.50%. This is great news for lending and those people with loans. Interestingly, I read a story from one of the major banks yesterday, saying at this stage, they dont expect the cash rate will rise for at least another 12 months. Lets hope their prediction is true.

05.01.2022 Interesting article. Enjoy.

04.01.2022 Good news folks for those with mortgages. The RBA has dropped rates again. It will be interesting now to see which banks and lenders will pass on the interest rate reductions and by how much.

04.01.2022 Hi folks. You may have heard some reports recently about how the CBA wants to change our brokering industry. Without putting my personal commentary to any of remarks, I have included a very well written letter to the CBAs CEO from an industry publication. Ill let you make your own minds up about the media reporting. We do want and need competition in the lending industry so that interest rates do not increase, and this is what the brokering industry has assisted to bring to the market.

04.01.2022 Hi folks. I hope you're all well and getting ready for the Easter long weekend. Please see the attached story. I'm hoping fixed rates don't rise, as my fixed loan (yes I practice what I preach, ha ha), is due in May and I'll be locking it in again to take advantage of these cheap fixed rates. If you haven't spoken to me about your loan yet, don't hesitate to get in touch, so we can review it and see if a fixed rate is also a good fit for you. Take care and stay healthy. DF

04.01.2022 Wow folks!!!!! Now over to the banks. Who is going to pass on the drop to their interest rates?

03.01.2022 How low can we go? Common banks and lenders, whos going to be the first to drop their variable rates?????

03.01.2022 For a top quality job, dont hesitate to give Howies Painting Services a call.

03.01.2022 Yay, no change to the cash rate again this month!!!! Interesting that some banks have now changed their forecast from one rate increase this year, to possibly zero changes for 2018, which is great news for mortgage holders.

02.01.2022 Hey folks. Please see some interesting info regarding the tax offset that has recently been passed through parliament.

01.01.2022 McDonalds have a new value meal - its called a McShorten, you can have anything you like in it, and the bloke behind you in line has to pay for it.