Refinancing guides
Refinancing your home loan can save you money and our refinance guides hub is where you’ll learn everything you need to know about refinancing. From working out your home equity, understanding the costs associated with refinancing to weighing up your home loan options.
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4 signs you should break up with your home loan lender
Relationships often start out with plenty of romance, where you are swept off your feet by all that is promised. But just like with any union, your partnership with your bank may see it’s honeymoon stage come to an end.
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Give yourself an instant pay rise by refinancing
2% seems to be the lucky number for the Reserve Bank of Australia, since they’ve left the official cash rate steady since May this year. But there is talk of rate rises in the future, in fact some big banks are already increasing their rates. So you could take things into your own hands now and make payday come early by switching to a better home loan deal.
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How a rate rise could affect you
Westpac’s decision to lift its standard variable rate by 20 basis points has been making the headlines. Why has this big bank, who is already raking in billions of dollars profit each year, hiked up its variable rates? Well, the short answer is new regulatory rules by APRA, which require banks to increase their capital by 16% to at least 25% by July 2016.
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Rate rise or refinance? The choice is yours
One of Australia’s biggest lenders Westpac has announced it will increase its variable home loan rates by 0.20% for new and existing customers on 20 November 2015.
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Refinancing tips & tricks
When’s the last time you revisited your home loan to see if it’s still competitive? Chances are you may be signed up with an outdated mortgage with a high interest rate and not much flexibility.
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Want a cheaper home loan? Online lenders are where it’s at
Gone are the days when Aussies would only take out a home loan with a big bank, as there are now a great range of online only lenders offering some of the lowest rates in the market, which could potentially save you thousands, if not tens of thousands over the life of the loan.
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