News

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 rate...

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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, we were...

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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 lenders...

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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 up to 15%...

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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 the cap on...

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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: From 3.89% (comparison...

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Budget 2019: Are Home Buyers Winners?

personOtto Dargan access_timeApril 5, 2019

Budget 2019: Who are the winners? Budget 2019-20 is here…but there isn’t all that much for borrowers or the property market. However, if you squint really hard, there are some surprising golden nuggets that first-time buyers and business owners may have overlooked. No...

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What Does The Royal Commission Mean For Borrowers?

personOtto Dargan access_timeFebruary 14, 2019

You may have heard about the Royal Commission in the media over the last few days but what does this all mean for you as a home loan borrower? Well, one of the big recommendations that came out of it will fundamentally change the way that mortgage brokers are paid and could have...

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First Home Buyers Flock Back To Market

personOtto Dargan access_timeOctober 31, 2018

Is the tide turning for first home buyers? With interest rates still at record lows and the pressure on investment lending continuing, pockets of the real estate market are looking brighter for first home buyers (FHBs) for the first time since 2010. That’s according to...

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