WE ARE hearing a lot about the challenges of housing affordability lately. Just how will first home buyers manage to get a foothold in the property market? Read full atricle
Compare to other banks 3 year Fixed Rates
Source: advertised rates as published on InfoChoice.com.au.
THINGS YOU SHOULD KNOW.
* Interest rate is current as at 16-Apr-2015 and is subject to change.
#Comparison Rate based on a loan of $150,000 for a term of 25 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
Terms, conditions, fees and charges apply. Applications are subject to credit approval.
^Advertised rates current at 10-04-2015 on http://www.infochoice.com.au/home-loans/interest-rates/. Comparison with other lenders does not take into account differences in product features or availability of interest rate discounts or alternative home loan products.
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Are smart investors changing their loans?
RBA keeps cash rate at 2.25%
Many people looking at their loans deciding if they should change.
The Reserve Bank of Australia has kept the cash rate at a low 2.25% rate for a second consecutive month.
If the cash rate looks to remain the same what should you do?
Before you listen to every ‘guru’ 1300WHATLOAN broker Joao said there were both pros and cons when considering splitting your loan to a fixed or variable rate (or both) BUT you need to speak to an expert one-on-one to determine what’s best for you.
Find out the strategy that best suits you
There is intense competition between the banks at the moment – and they are competing for your business.
Recently, three of the major banks offered cash-back to clients who switch to them.
But the good news for borrowers does not stop there. The Reserve Bank has hinted that the next move for rates is down and the banks are also offering massively discounted rates; which means that once you finance, you will also enjoy better repayments.
Recent research by Digital Finance Analysis showed that, on average, the banks are discounting one per cent from their standard variable rate - with some lenders going as low as 1.3 per cent below.
In a world of ultra-low rates and with heavy discounting, borrowers are quids ahead if they change lenders.
Good brokers know which banks are keen for business and are dropping rates. 1300WHATLOAN has access to a panel of over 25 lenders which means that we can help you find the right loan for you.
To find out which banks have the best rate and loan features for your needs, please contact Us:
1. Call 1300 942 856
2. Or, Submit an online enquiry
3. Or, Contact Us by online query
3. Alternatively, E-mail direct at firstname.lastname@example.org
The Reserve Bank of Australia has made its cash rate decision, following a month of intense speculation
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