** New Year RBA Cash Rate on HOLD **

February, 2018

At its meeting today, the Board decided to 

LEAVE THE cash RATE ON HOLD AT 1.5%

Happy 2018 to you all!

We hope the New Year finds you relaxed and well after a happy Festive Season enjoyed with family & friends.

The New Year is always a good time to reassess your mortgage and financial goals , especially while the cash rate remains on hold at its current all-time low.

Are you one of the following:

• A First Home Buyer – Do you have a deposit or maybe need help from parents via a Guarantor Loan?
• Refinancing – Have you accumulated Credit Card or Personal Loan debts that require consolidation into one monthly repayment?
• Upgrading – Have you outgrown your current home and would like to upgrade or renovate?
• Investing – Do you have equity with a bit of spare cash, and now want to use that equity to purchase an investment property?
• Self Employed – Are you looking for working capital, or looking to purchase new vehicles/equipment for your business?

Why not ask us how we can help you work toward achieving your goals in 2018, and beyond, to secure your financial future.

Please don’t forget to like us on Facebook, and share with your family and friends to keep up to date with Lender news, hints, tips and tons of useful information.

Until next time….

**RBA leaves the Cash Rate on HOLD till 2018**

December, 2017

At its meeting today, the Board decided to 

LEAVE THE cash RATE ON HOLD AT 1.5%

The Governor of the RBA, Philip Lowe’s, statement is available in full CLICK HERE

We would like to take this opportunity to wish all of our clients and their families a very Merry Christmas and a peaceful & prosperous New Year.

Thank you for your continued support and partnership. 

Until our next email in 2018……

**RBA rates on HOLD for November**

November, 2017

At its meeting today, the Board decided to 

LEAVE THE cash RATE ON HOLD AT 1.5%

The Governor of the RBA, Philip Lowe’s, statement is available in full CLICK HERE

What’s the future of the Australian property market?

Will property prices go up in your city? Are investors driving the housing market? What can we expect from the cash rate in 2018?

QBE has provided us with the 16th annual QBE Australian Housing Outlook 2017-2020. This year’s report includes state and territory forecasts of house and unit prices for the next three years.

If you would like to see what the Australian Property Market has in store for 2018 and beyond follow the link below to the full report.

https://www.qbe.com.au/campaigns/housing-outlook?utm_medium=email&utm_source=mfaa&utm_campaign=b2b_housingoutlook_oct17&utm_content=launch_edm

Like us on Facebook, and share with your family and friends for regular updates, hints, tips and useful information.

Until next time….

** RBA Cash Rate on HOLD for October **

October, 2017

At its meeting today, the Board decided to 

LEAVE THE cash RATE ON HOLD AT 1.5%

The Governor of the RBA, Philip Lowe’s, statement is available in full CLICK HERE

Think Pink this October, Breast Cancer Awareness Month.

Breast Cancer affects thousands of Australian women each year, and whilst there is a great chance of survival, the financial burden faced during treatment could have a significant and ongoing impact on their lives.

Loan Protection Plan (LPP) can help minimise the financial burden. LPP provides both a Death & Terminal Illness Benefit as well as a Living Benefit for 11 serious medical conditions, including cancer. In the event of a critical illness, this cover could enable women with breast cancer to focus on their recovery rather than worrying about how they would meet their loan repayments.

Have you got a Loan Protection policy in place to cover you in the event of a critical illness??

Why not contact us for a quote to see how little it would cost for peace of mind for you and your family.

Until next time….

** RBA Keeps Cash Rate on HOLD again **

September, 2017

At its meeting today, the Board decided to 

LEAVE THE cash RATE ON HOLD AT 1.5%

The Governor of the RBA, Philip Lowe’s, statement is available in full CLICK HERE

With the tightening of investment lending, lenders are hungry for business in the owner occupied space.

Have you been thinking of the following –

Refinancing to consolidate credit card debt

Borrow additional funds to do some home improvements

Or Purchase a new car,

Then why not drop us a line to see how we can help you!  With some really competitive rates, this is the perfect time!

Until next time….

**RBA Keeps Cash Rate on HOLD for August **

August, 2017

At its meeting today, the Board decided to 

LEAVE THE cash RATE ON HOLD AT 1.5%

The Governor of the RBA, Philip Lowe’s, statement is available in full CLICK HERE

Did you know that we do much more than arrange finance for Home Loans?

We can also help your business find and secure Commercial and Asset Finance at competitive rates.

By accessing a wide range of Lenders’, products and information we can assist with the right loans to manage cash flow or to purchase business premises , equipment or motor vehicles.

We can be your one-stop-shop for all your personal and business finance needs.

Why not contact us to discuss how we can help your business grow.

Until next time….

** RBA Leaves Rates on Hold **

July, 2017

At its meeting yesterday, the Board decided to 

LEAVE THE cash RATE ON HOLD AT 1.5% 

The Governor of the RBA, Philip Lowe’s statement is available in full CLICK HERE

Whilst the Cash Rate remains on hold this month, there is speculation that Interest Rates will begin to rise in the latter half of this year.

If interest rates were to increase, how would this impact your ability to meet your monthly loan repayments?

Investigating a Fixed Rate option could reduce the impact of future rate rises and lessen the pressure on your monthly cashflow.

If you would like to discuss this or any other query you may have regarding your financial needs do not hesitate to email us or give us a call.

Please don’t forget to like us on Facebook, and share with your family and friends to keep up to date with Lender news, hints, tips and tons of useful information.

Until next time….

** Cash Rate on Hold for June **

June, 2017

At its meeting today, the Board decided to 

LEAVE THE cash RATE ON HOLD AT 1.5% 

The Governor of the RBA, Philip Lowe’s statement is available in full CLICK HERE

FINALLY SOME RELIEF FOR FIRST HOME BUYERS!!!

This month sees the announcement of a new First Home Buyers incentive package designed to improve housing affordability across the state effective from July 1^st 2017. Features include: –

• Stamp Duty abolished on all homes up to $650,000
• Stamp Duty relief for homes up to $800,000
• $10,000 grant for builders of new homes up to $750,000 & purchasers of new homes up to $600,000

For full details of all the incentives included check out this link:  https://www.nsw.gov.au/news-and-events/news/new-measures-to-help-first-home-buyers/

If you know a potential First Home Buyer please feel free to pass this email on.

Please don’t forget to like us on Facebook, and share with your family and friends to keep up to date with Lender news, hints, tips and tons of useful information.

Until next time….

**RBA CASH RATE ON HOLD FOR MAY 2017**

May, 2017

At its meeting today, the Board decided to 

LEAVE THE CASH RATE ON HOLD AT 1.5%

The Governor of the RBA, Philip Lowe’s statement is available in full CLICK HERE

With the current financial climate forcing Lenders to raise their Investment and Interest Only rates, there are still good deals to be had for Owner Occupiers looking to refinance their current mortgage and to consolidate other debts that are attracting high interest rates. Eg Personal Loans, Motor Vehicle Finance & Credit Card facilities.

You may be able to use the current equity in your property to consolidate your other debts with your mortgage and enjoy a better interest rate along with the benefit of freeing up that monthly cashflow.

Why not review your current financial position and ask us how we can help you make this happen.

Please don’t forget to like us on Facebook, and share with your family and friends to keep up to date with Lender news, hints, tips and tons of useful information.

Until next time….

Kindest Regards,

Pauline Sultana 

** RBA CASH RATE ON HOLD FOR APRIL **

April, 2017

At its meeting today, the Board decided to 

LEAVE THE cash RATE ON HOLD AT 1.5%

The Governor of the RBA, Philip Lowe’s statement is available in full CLICK HERE

Over the past 12 months we have seen regulatory pressure drive rates up.   Again these past couple of weeks we have seen continual pressure which has resulted in further rate increases from most lenders for Interest Only loans.   For our investors, what does this mean for you?   No doubt your monthly repayment has or will increase therefore you need to be prepared for this.  If you would like to discuss your current situation, please do not hesitate to contact me.

Please don’t forget to like us on Facebook, and share with your family and friends to keep up to date with Lender news, hints, tips and tons of useful information.

Hope you all have a wonderful Easter with your families, and enjoy the break.

Until next time….