What’s the difference between secured and unsecured loans?
Securitisation works similarly to a secured loan, which involves using an asset to gain access to cheaper funding or interest rates. This literally changed the face of home lending in Australia, saving...
View ArticleDear John – what do I need to know about fixed interest rates?
Each Sunday John Symond answers one of your questions – this Sunday we'll help you learn more about fixed rate home loans. The post Dear John – what do I need to know about fixed interest rates?...
View ArticleDear John – why don’t lenders pass on rate cuts?
Each Sunday John Symond answers one of your questions – this Sunday we'll discuss with you why lenders don’t pass on the full rate cut. The post Dear John – why don’t lenders pass on rate cuts?...
View ArticleCould your home loan be your only loan?
While your home loan rate may be wafer thin, chances are you’re paying considerably more on other types of debt. Your credit card for instance could be costing 15% - even 20%. A personal loan or car...
View ArticleDear John – how does the RBA cash rate affect me and my home loan?
The RBA is the Reserve Bank of Australia, Australia’s central bank which is broadly responsible for issuing our currency and ensuring financial stability for our nation. The post Dear John – how does...
View ArticleDear John – how can I pay off my home loan faster?
There are some basic strategies that can be used to help you pay off your mortgage faster. Simple things like tweaking your repayment frequency or paying a small amount extra in each repayment can make...
View ArticleDear John – why is my interest rate going up on my investment loan?
If you have a fixed rate loan then an increase can’t be made until the fixed rate period comes to an end, so you are protected against any rate change for the fixed loan term. The post Dear John – why...
View ArticleDear John – why did my variable interest rate go up?
Why are rates going up and shouldn't customers be notified of a rate change in advance as this will affect the minimum payment The post Dear John – why did my variable interest rate go up? appeared...
View ArticleDear John – what are your predictions for the year ahead?
John Symond In his last blog for 2015, John Symond gives his 2016 property market predictions. The post Dear John – what are your predictions for the year ahead? appeared first on Aussie Blog | Finance...
View ArticleHow to future proof your home loan
Taking on a mortgage for 25 years can be daunting but there are ways to get ahead. The post How to future proof your home loan appeared first on Aussie Blog | Finance Blog | Home Loans Blog.
View ArticleTop reasons banks reject home loan applications
Doing some homework before you apply for a home loan can pay big dividends when you approach a bank. The post Top reasons banks reject home loan applications appeared first on Aussie Blog | Finance...
View ArticleHow to prepare for future rate hikes
With interest rates at record lows, it’s a nice time to own property! But there's no room for complacency. The post How to prepare for future rate hikes appeared first on Aussie Blog | Finance Blog |...
View Article6 mortgage mistakes to avoid
Big life events – marriage, children, travel – usually start with big questions. These questions can help us avoid potentially costly mistakes. The post 6 mortgage mistakes to avoid appeared first on...
View ArticleWhat to look for in a new mortgage
Many loans that allow extra payments will also allow that capital to be redrawn. This means you can benefit from putting more money into your loan but still access the funds if you need them down the...
View ArticleUnlocking equity to secure your future
Paying off your mortgage might be an important priority, but it’s well worth balancing your goal of becoming debt-free against the benefits of having money to enhance your lifestyle or invest for your...
View ArticleHow low can rates go?
It’s every mortgage holder’s worst nightmare: what if interest rates return to the mid-teens, as we saw in the early nineties? The good news is that scenario is highly unlikely to occur, and there are...
View ArticleWhat does the 2016 federal budget mean for first home buyers?
The fact that there’s nothing new on the horizon for negative gearing may be unhappy news for people saving for their first home – but good news if you’ve just invested in your first property. The post...
View ArticleThe scary cost of bad habits
If you’d like to pocket extra cash take a look at these money-devouring habits to see where you could save. The post The scary cost of bad habits appeared first on Aussie Blog | Finance Blog | Home...
View ArticleEOFY opportunities for investment property owners
The Reserve Bank of Australia (RBA) eased interest rates in May, cutting the official cash rate to a record low of 1.75%. The cut was the RBA’s reaction to inflation falling below its target of 2-3%⁶,...
View ArticleWhat your broker can do for you
We know the role of the banker in the home buying process, but many people probably aren’t aware of how useful a broker can be in smoothing the way to their dream home or first investment property. The...
View ArticleJohn’s Outlook
Aussie has seen strong growth in the level of refinancing in the last 12 months and we expect that this will continue. The post John’s Outlook appeared first on Aussie Loan blog.
View ArticleWhy your home loan is better than a savings account
Your home is a great investment, right? But did you know your home loan can be a better place to park spare cash than a savings account? The post Why your home loan is better than a savings account...
View ArticleAre you top of the mortgage class?
Think you know home loans? Knowing your offset from your redraw could save you money and hassle with your mortgage. The post Are you top of the mortgage class? appeared first on Aussie Loan blog.
View ArticleAre we still onto a winner with property?
Is the property market safe as houses or becoming more of a gamble for investors? The post Are we still onto a winner with property? appeared first on Aussie Loan blog.
View ArticleGive your returns a festive boost
Interest rates may be at record lows but are you making the most of them? A quick check could give your investment returns a valuable uptick. The post Give your returns a festive boost appeared first...
View ArticleWhat should you look for in a mortgage broker?
Use our handy checklist to find a broker that ticks all the boxes. The post What should you look for in a mortgage broker? appeared first on Aussie Loan blog.
View ArticleGood news for home owners as Reserve Bank keeps rates on hold
It’s good news for home owners, home-seekers and renters alike with the Reserve Bank (RBA) announcing it would keep the cash rate on hold at a low of 1.5%. The post Good news for home owners as Reserve...
View ArticleMarch Outlook
Home loan rates may have reached the bottom of the current cycle where they are at historic lows. The post March Outlook appeared first on Aussie Loan blog.
View ArticleVoluntary payments – The value of extra mortgage repayments
Making voluntary payments on your mortgage can help you save money and own your home sooner. In this article we look at the benefits of making extra repayments and other alternatives for making your...
View ArticleTwo heads are better than one: saving tips for couples
The average first home buyer’s loan in Australia is over $315,000 which means to save for a 20% deposit sometime in the next decade you may need to put away a few hundred dollars a month. Savings...
View ArticleAPRA and investing. What do changing rules mean for you?
In March 2017, the Australian Prudential Regulation Authority (APRA) announced new measures around residential mortgage lending in order to curb investor borrowing." These industry-wide regulatory...
View ArticleHow old is your mortgage?
If you and your home loan have notched up a few years together, it’s worth checking you’re still right for each other. The post How old is your mortgage? appeared first on Aussie Home Loans blog.
View ArticleReal stories of how Aussie Brokers can make a difference to your life
At first, searching for a home loan online appears simple enough. But a good broker can help with a lot more than just finding the lowest rate, as we find out from two of Aussie’s Brokers. The post...
View ArticleAll in a day’s work: What an Aussie broker can do for you
Ever wondered what an Aussie broker can do for you? We take you straight to the source and spend a typical day with an Aussie broker. Whether it’s a chat about your future property goals or finalising...
View ArticleJames Symond’s commentary: August RBA Rate Announcement
Once again, the RBA has held the cash rate at 1.5 per cent today as the economy continues to grow moderately, the inflation rate sits in its target range and unemployment remains steady. The post James...
View ArticleIn an uncertain property market, mitigate risk with these key tips
Buying a property can be a daunting decision to make, but with a bit of risk management you can still realise the dream of owning your own home with a little less to worry about. The post In an...
View ArticleBrokers v comparison sites. Why it’s worth chatting to a broker
With the rise of comparison websites, it’s tempting to assume that a few quick online clicks can help you find the perfect home loan. But as a long-serving Aussie Broker tells us, not all loans are...
View ArticleFamily Guarantee loans – what do I need to know?
For first home buyers struggling to raise a decent deposit, a family guarantee loan can be a way of getting into your first home sooner. The post Family Guarantee loans – what do I need to know?...
View ArticleWhat a difference a day makes: Fast home loan approval
Need a home loan in a hurry? Here’s what you need to know to fast track your home finance. The post What a difference a day makes: Fast home loan approval appeared first on Aussie Home Loans blog.
View ArticleJames Symond’s commentary: November RBA Rate Announcement
In an unsurprising move, the Reserve Bank of Australia has kept the official cash rate on hold at 1.5% in November and indicated that there will be no change for some time to come. The post James...
View ArticleIs now the time to refinance?
Home owners are enjoying a welcome combination of record low rates and a highly competitive lending market. Could that make now the time to refinance your home loan? We look at the why, when and how of...
View ArticleJames Symond’s commentary: December RBA Rate Announcement
The cash rate stays on hold in time for Christmas. The post James Symond’s commentary: December RBA Rate Announcement appeared first on Aussie Home Loans blog.
View ArticleAre you using the features of your home loan?
There’s more to a home loan than the rate you pay. We speak with Aussie Broker Luke Torossian to see how different home loan features can help you benefit more from your mortgage. The post Are you...
View ArticleGetting a home loan in 2018: A guide from Aussie’s CEO
2018 looks set to be a bumper year for home buyers. Aussie CEO James Symond shares his thoughts on the home loan space for the year ahead, and offers six key insights on what to. The post Getting a...
View ArticleAussie’s Message in a Bottle reaches customers
A Forest Lake couple has won a holiday worth $29,000 in a national competition organised by their mortgage broker, Aussie Home Loans. The post Aussie’s Message in a Bottle reaches customers appeared...
View ArticleJames’ Quarterly Market Outlook: March 2018
As we head into autumn, the property market is dishing up every buyer’s favourite combo: low rates and cooler prices. The post James’ Quarterly Market Outlook: March 2018 appeared first on Aussie Home...
View ArticleWhat to look for when comparing mortgage lenders and products
No matter whether you’re in the market for a home or investment property, here’s what to weigh up when comparing loans and lenders. The post What to look for when comparing mortgage lenders and...
View Article5 ways a mortgage broker makes choosing a home loan easier
Mortgage brokers are home loan experts committed to helping you find the home loan that’s right for your needs. But they can also do much more – take a look at 5 ways your mortgage broker makes...
View ArticleHow to ace a performance review
It’s that time of year when performance reviews roll around, and it could be just the opportunity to secure a pay rise. The post How to ace a performance review appeared first on Aussie Home Loans blog.
View ArticleWhy your home loan rate could rise
The official cash rate may be holding firm but your home loan interest rate could start to climb. Here’s why. The post Why your home loan rate could rise appeared first on Aussie Home Loans blog.
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