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Tag: refinance

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Should you consider taking a “mortgage holiday”?

Taking a short-term break from paying off your mortgage isn’t a new idea, but as the bite of the COVID-19 pandemic grips harder and harder, more Australians are applying to do so. With the RBA’s cash rate held at a record low of 0.25%, what are the implications of pushing pause on your repayments? In…
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With record low interest rate, is now the time to refinance?

Australia’s cash rate is at its lowest level in history. Does that mean the time is right to make the most of the low cash rate environment and refinance your mortgage? When discussing the Reserve Bank of Australia’s February decision to hold rates, Governor Philip Lowe was unambiguous in his take. If you took your…
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[3 min Wed finance series] What is Comparison Rate and how does it help me?

You walked past a bank and saw the promotional ad hanging outside the window and you thought to yourself – wow that’s one attractive interest rate! But is it really saving you the most? That’s where Comparison Rate comes into play. One of the most common mistakes people make when choosing a home loan is…
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[3 min Wed finance series] It’s still not too late to unlock your equity

After years of good growth across Sydney & Melbourne we are starting to see things turning around. And now would be an even more crucial time to reach out to your brokers and see if you can still take out any equity from your home or investment property before they continue to lose value EVERYDAY!…
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What should you be focusing on in the 2019 lending environment?

With falling house prices in Sydney & Melbourne for the last 12 months, consumers are seeing more challenges than any time before with getting their loans or refinance approved. So what should you be focusing on? As a Mortgage Broker one of the most common questions I get asked is – “what is the best…
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[3 min Wed Finance series] What are white-label loans and why they could fit your needs?

A white-label loan is essentially a home-branded loan, much like the home-branded products you see in the supermarket aisles. Like these products, white-label loans aim to deliver many of the same great features as bank-branded home loans, but for a lower cost to you the customer.  A trend seen in supermarkets over recent years has…
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[3 min Wed finance series] How to 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.

[3 min Wed finance series] What are the Exit Costs of Refinancing?

Refinancing can be a great way to save money if you believe you are paying too much for your loan, but there is more to it than just finding a loan with a lower interest rate and making the change. Before making the switch, ensure the savings you could make outweigh the fees involved. Here…
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