RBA Slashes Cash Rate Again – Is Your Lender Passing On The Full Rate Cut?

personOtto Dargan access_timeJuly 10, 2019

The Reserve Bank of Australia (RBA) slashed the cash rate once again by 0.25% – taking the already low cash rate to its new historic low of 1.00%. Relatively, fewer banks are passing on the full rate cut compared to RBA’s rate cut in June. Who passed on the full...

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Home Loan Experts Wins Australia’s Top Mortgage Broking Office Award

personOtto Dargan access_timeJuly 9, 2019

The Australian Broking Awards is the night of nights for brokers, brokerages, aggregators and mortgage industry leaders. The awards are judged by a panel of leading industry experts and competing in the awards are some of Australia’s best brokerages. On Friday night,...

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Buying A Home Just Got Easier!

personOtto Dargan access_timeJuly 8, 2019

There hasn’t been a better time for first home buyers to buy their first home since the housing values peaked in 2017. We’ve listed the most important factors which makes it the right time for first home buyers to finally enter the property market. Lower house...

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New Assessment Rate: How Much More Can I Borrow?

personOtto Dargan access_timeJune 10, 2019

In an open letter to the banks, APRA (Australian Prudential Regulation Authority) has proposed amending their guidelines to allow banks to determine their own assessment rate. This will substantially increase the maximum borrowing power of many home loan borrowers. We responded...

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RBA Rate Cut: Is Your Lender Passing On The Full Rate Cut?

personOtto Dargan access_timeJune 10, 2019

With home loan interest rates at record lows already, RBA officially cut the cash rate by 0.25% to just 1.25% p.a. – the lowest it has ever been. While many lenders are passing on the full rate cut to their standard variable rate home loan customers, however, not all...

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News: Is ScoMo’s First Home Buyer Scheme Any Good?

personOtto Dargan access_timeMay 16, 2019

The Government has announced a new first home buyer scheme just days out from the Federal Election. So how does it stack up in improving housing affordability? How it works If you have saved at least 5% of the property value as a deposit, the Government will guarantee...

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Moving House: Sell Then Buy Or Get A Bridging Loan?

personOtto Dargan access_timeMay 14, 2019

Whether you’re upsizing, downsizing or just moving to a home in a new location, no doubt things have changed since buying your last home. There are a number of home loan options available when you’re moving on to your next property so how do you get from one home to the...

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WATCH: Investment Loans, Rates And SMSF Borrowing

personOtto Dargan access_timeApril 26, 2019

WATCH: Home Loan Experts managing director Otto Dargan speaks with Your Money about investment loans, interest rates and borrowing for your SMSF. Rates are lower but investment lending is still tight The Australian Prudential Regulation Authority (APRA) removed...

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Interest Rate Specials – April 2019

personOtto Dargan access_timeApril 9, 2019

April 2019 interest rate specials This month, some of our lenders have announced some exceptional interest rate discounts. Home loan: From 3.55% (comparison rate 3.67%) – conditions apply. 5 years fixed: From 3.79% (comparison rate 3.80%). Investment loan:...

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Are Your Mortgage Refinance Documents Prepared?

personOtto Dargan access_timeApril 9, 2019

A number of lenders have recently announced cuts to their fixed rate home loans so, if you’ve been thinking about it, you may want to refinance your home loan soon to take advantage of these deals. But how do you avoid the rigmarole of preparing for your refinance application? If...

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