The importance of the LVRLVR or Loan-to-value ratio is one of the most important metrics lenders use. LVR is the percentage of the secured property value you are...
Should I fix my mortgage rates? What are the facts?THE FACTS: Over the past 29 years, you would have been better off only 30% of the time with a 3-year fixed rate over a variable rate....
Can I still refinance? Interest rates are falling, but so is the value of my property.Fixed interest rates have fallen to 3.49% p.a. (3.87% p.a. comparison rate*) and lenders are offering cash back incentives to refinance....
The impact of the election on the Property Market and Housing FinanceHighlights: Labor's policy to remove negative gearing on investment purchases of pre-owned properties from 2020 has impacted property...
Lender Customer Service - What to consider?Approval timing If timing is critical (e.g. because you are bidding at an auction), you need to be aware of the lender's approval...
Where does the lender get their money and how it impacts the future changes their variable rates? Most of the money lenders have (up to 95%) doesn't belong to them. All lenders (including the major banks) have borrowed the money they...
Interest rate discountsWhat are interest rate discounts? An interest rate discounts a margin (quoted in percentage points) that is subtracted from the lenders...