**RBA KEEPS RATE ON HOLD **

March, 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

Are you prepared for tomorrow?

As your broker, I understand how hard you’ve worked to buy your home or investment property.

Unfortunately, unforeseen life events could impact your ability to meet your mortgage repayments.  We all like to think “it won’t happen to me”, but illness doesn’t discriminate.

In Australia, someone suffers a heart attack every 10 minutes¹… what if that someone was you?

It’s important to be prepared, just in case, and that’s where I may be able to help.

Loan Protection provides peace of mind if the unthinkable happens. The product includes protection* in the event of the following:

• Death and Terminal Illness: Pays a benefit to you or your estate based on the loan amount rounded to the next $10,000 (min. $50,000 and max. $750,000)
• Critical Illness: Covers 11 serious medical conditions. Equal to 30% of the Death and Terminal Illness benefit.
• Involuntary Unemployment: Pays a maximum of three monthly benefits at the rate of 1% of the Death Benefit per month (max. $2,500 per month)

+ Optional Accidental Injury Benefit, which provides up to three months of cover for disabling injuries where you cannot work for more than 30 days.

To obtain a no obligation quote please feel free to contact me directly.

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….

** New Year Rates On Hold **

February, 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

Happy 2017 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 propery?
• 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 2017, 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 RATE ON HOLD TILL 2017**

December 2016

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

The decision by the RBA today to keep rates on hold until February was preceded with an increase in the standard variable Investment Home Loan Rate by major Lenders NAB, St George & Westpac yesterday.  To our investor clients we will continue to keep you updated with developments from other lenders.

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.

We would like to take this opportunity to wish all of our clients and their families a joyous Christmas and a prosperous and safe New Year.

Until our next email in 2017……

**RBA LEAVES THE CASH RATE ON HOLD**

November, 2016

At its meeting today, the Board decided to 

LEAVE THE CASH RATE UNCHANGED AT 1.50%

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

Amongst all the excitement of Melbourne Cup Day and the ‘race that stops a nation’, the Reserve Bank has decided to hold rates steady for November.

Most finance pundits were gambling on a rates hold this month and with no further weakening in inflation and the ongoing focus on housing prices the RBA decision was a safe bet.

We hope that you backed a winner today as well!!!

Don’t forget to like us on Facebook, and share with family and friends for regular updates, hints, tips and useful information.

Until next time….

** RBA LEAVES RATES ON HOLD **

October, 2016

At its meeting today, the Board decided to 

LEAVE THE CASH RATE UNCHANGED AT 1.50%

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

Rates and repayments are currently at an all time low but have you thought about how you would maintain your home, lifestyle and independence if you were to suffer a serious illness or injury?

The reality is that, 60% of Australians have to sell an asset within three months when faced with a loss of income. Don’t risk losing what you’ve worked so hard to achieve!!

Why don’t you speak to us about a Loan Protection Plan today and see how easy it may be to afford the peace of mind that comes from knowing that your home and family are secure from these worries.

Don’t forget to like us on Facebook, and share with family and friends for regular updates, hints, tips and useful information.

** RBA CASH RATE DECISION ANNOUNCED**

September, 2016

At its meeting today, the Board decided to 

LEAVE THE CASH RATE UNCHANGED AT 1.50%

The Governor of the RBA, Glenn Steven’s statement is available in full CLICK HERE

After last month’s historic rate drop it was widely expected that the RBA would leave this rate unchanged for the month of September , which will also see Dr Philip Lowe take the rein’s as Governor.

Have you taken the time to assess your current mortgage position as the Bank’s pass on the rate reduction??

Why not have a chat with us? We may be able to help you find a better rate or to make that unused equity work harder for your future.

Don’t forget to like us on Facebook, and share with family and friends for regular updates, hints, tips and useful information.

** RBA DROPS RATE TO ALL-TIME LOW OF 1.5% **

August, 2016

At its meeting today, the Board decided to 

LOWER THE CASH RATE TO 1.50%

The Governor of the RBA, Glenn Steven’s statement is available in full CLICK HERE

Another rate drop this year, no doubt the impact of the savings in mortgage repayments will help Australian households.  With rates at an all-time low, are you making good use of the savings?  If you would like some advice, call us.

If you have been with your current lender for a few years, maybe this is an opportunity to have your mortgage reviewed.  Lenders are always looking to gain market share, so why not take advantage of some incredible rates that are currently being offered.

We are always a phone call away if you would like to discuss anything about your current situation, or your goals for the future….let us work with you to achieve your dreams!

Why not like us on facebook, where we will keep you updated with the lenders announcements over the coming weeks as well as regular updates, hints, tips and useful information.

Until next time….

RBA CASH RATE ON HOLD FOR JULY

July, 2016

At its meeting today, the Board decided to 

LEAVE THE CASH RATE ON HOLD AT 1.75%

The Governor of the RBA, Glenn Steven’s statement is available in full CLICK HERE

With such a week of uncertainty in our political direction and stability it seems understandable that the Reserve Bank have decided that rates should remain on hold this month.

However with the start of a new financial year and the recent reduction in rates passed on by the majority of Lenders since May’s cash rate drop it is definitely a good time to assess whether your current mortgage rate is still competitive.

We have been able to help clients make significant savings in their monthly repayments, and we encourage you to have your mortgage reviewed to see what savings we may be able to find for you.

Until next time…..

RBA leaves rates on hold again this month

June, 2016

At its meeting today, the Board decided to 

LEAVE THE CASH RATE ON HOLD AT 1.75%

The Governor of the RBA, Glenn Steven’s statement is available in full CLICK HERE

We have been seeing some great rates, fixed and variable.  Lenders are always looking to gain market share.  How long has it been since we have reviewed your Mortgage?  Why dont you drop us an email to see how competitive your loan is in today’s market, or does it still meet your goals.

Today, brokers account for 53% of all mortgages written.  Why?  We do an amazing job to help our customers achieve their financial goals.

Remember, we are here to help you, whether you need a mortgage, business or asset finance.  We are always a phone call away if you would like to discuss anything about your current situation, or your goals for the future….let us work with you to achieve your dreams!

Until next time…..

RBA SURPRISES WITH RECORD LOW CASH RATE AT 1.75%

At its meeting today, the Board decided to 

LOWER THE cash RATE TO 1.75%

The Governor of the RBA, Glenn Steven’s statement is available in full CLICK HERE

The deciding factor has been contributed to the recent low inflation rate of 1.3%.

What does this mean for you?   We will keep you posted on developments of how the lenders will react.