Tag: Linda Hamilton

Lending & Finance

Family Planning: Applying For A Home Loan With A Baby On The Way

A new baby completely changes your life. Are you also prepared for how a new baby might affect your chances of buying a home? Here are some things to consider before you submit your application.

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Lending & Finance

RBA decision – no change to interest rates

The RBA has kept the cash rate on hold for the 22nd consecutive board meeting at a historical low of 1.5 per cent.  At this point in time it is expected interest rates will remain on hold well into 2019. 

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Lending & Finance

Treat your investment property like a business and your tenants like clients

It’s important to look after the tenants in your investment property – it encourages them to stay long term and take care of your property. So how can you keep your tenants happy? By treating your property like a business and your tenants like valued customers.

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Lending & Finance

Get the most out of refinancing

Everyone wants to pay less on their mortgage, and refinancing is one strategy to help lower your interest rates – but is it worth it? We take a look at how you can get the most out of refinancing.

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Lending & Finance

Cash Rate on hold 1.5%

The RBA board has decided to leave the cash rate on hold at a record low of 1.5%.

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Lending & Finance

Why it’s so important to review your investment loans now!

As a result of the “slow down” in investment lending combined with significant losses in market share, major and non-major banks and lenders who imposed heavy restrictions on investment lending are now again open for investment business.

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Lending & Finance

How your bank calculates a business risk

Just like you, banks are in business – and they don’t succeed by making bad deals. When they consider your loan application, they’re calculating the financial risk of entering into an arrangement with you. Let’s break it down…

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Lending & Finance

How redraw works and why it’s a handy loan feature

It’s one of the less glamorous home loan features, but the redraw facility deserves a second look. Here’s why:

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Lending & Finance

ANZ Lending Update

Effective 16 June, ANZ Bank will increase their Variable Interest Only home loan rates for both investors and owner occupiers by 30 basis points. ANZ's Standard Variable Rate for investment lending with Interest Only repayments is now 6.26% p.a.

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Lending & Finance

Last of the Major 4 Banks to cap interest only loans at 80% LVR

Westpac Bank announced today the maximum LVR (loan to valuation ratio) for those seeking interest only repayments will be capped at 80%. This applies to both owner occupied and investment lending. They are last of the Major 4 Banks to cap LVRs for …

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Lending & Finance

Overcapitalising – what is it and how to avoid it

As a home owner or property investor, you may have heard the term ‘overcapitalising’. But what exactly is it and why is it considered bad?

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Lending & Finance

Your guide to investment property loans

There are certain things to look out for when selecting and applying for a loan for your investment property. Here we look at the main differences, the most popular loan types, and how to get the best mortgage for your situation.

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