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Linda Hamilton

Interest Rates Remain At Record Lows

The Reserve Bank of Australia has yet again left the official cash rate on hold at 1.5 per cent.

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Interest Rates Remain At Record Lows
( Posted in: Lending & Finance )

RBA Decision - No Change To Interest Rates

The RBA has kept the cash rate on hold for the 22nd consecutive board meeting at a historical low of 1.5 per cent.  At this point in time it is expected interest rates will remain on hold well into 2019.

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RBA Decision - No Change To Interest Rates
( Posted in: Lending & Finance )

How your bank calculates a business risk

Just like you, banks are in business – and they don’t succeed by making bad deals. When they consider your loan application, they’re calculating the financial risk of entering into an arrangement with you. Let’s break it down...

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How your bank calculates a business risk
( Posted in: Lending & Finance )

How redraw works and why it’s a handy feature loan feature

It’s one of the less glamorous home loan features, but the redraw facility deserves a second look. Here’s why:

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How redraw works and why it’s a handy feature loan feature
( Posted in: Lending & Finance )

ANZ Lending Update

Effective 16 June, ANZ Bank will increase their Variable Interest Only home loan rates for both investors and owner occupiers by 30 basis points. ANZ's Standard Variable Rate for investment lending with Interest Only repayments is now 6.26% p.a..

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ANZ Lending Update
( Posted in: Lending & Finance )

Last of the Major 4 Banks to cap interest only loans at 80% LVR

Westpac Bank announced today the maximum LVR (loan to valuation ratio) for those seeking interest only repayments will be capped at 80%. This applies to both owner occupied and investment lending. They are last of the Major 4 Banks to cap LVRs for ...

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Last of the Major 4 Banks to cap interest only loans at 80% LVR
( Posted in: Lending & Finance )

Overcapitalising – what it is and how to avoid it

As a home owner or property investor, you may have heard the term ‘overcapitalising’. But what exactly is it and why is it considered bad?

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Overcapitalising – what it is and how to avoid it
( Posted in: Lending & Finance )

Making your excess cash work for you!

If you are lucky enough to have come to that point in life where you have paid off your private mortgage you may now be looking at paying down some investment loans. There are a number of factors you need to consider to ensure you get your excess cash working for you in the best way possible.

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Making your excess cash work for you!
( Posted in: Investment Property )