Tag Archives: mortgage

Blog, Help Guides

Signs it’s time for a sea or tree change

Posted on by Reduce Home Loans
16
Aug

Feeling the urge to escape from your current location and seek out a sea or tree change? You’re not alone. The latest data from the Australian Bureau of Statistics (ABS) found that in the three months to the end of March 2021, 104,100 people moved interstate. This was the highest migration level for a March […]

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Blog, Help Guides

6 ways to increase your property’s value

Posted on by Reduce Home Loans
12
Aug

Whether you’re considering selling in the future or simply looking to maintain a level of value growth, there are a range of ways you may be able to boost your property’s value without having to rely on the housing market. After months of record increases in dwelling values across the country, many property experts are […]

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Blog, Help Guides

How to refinance your home loan in lockdown

Posted on by Reduce Home Loans
03
Aug

As COVID-related restrictions continue to shift across the country, many Aussies may find themselves thinking about their homes and their mortgages. With record-low home loan rates on offer right now, homeowners may be wondering how they can refinance while stuck at home. Don’t let lockdown make you feel locked into your home loan. It is […]

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Blog, Help Guides

5 signs it’s time to refinance your mortgage

Posted on by Reduce Home Loans
16
Apr

There are significant benefits to refinancing a home loan, whether a borrower is looking to reduce interest rates, ditch ongoing fees or access equity for renovations or a holiday. And with the Reserve Bank of Australia Governor, Philip Lowe, stating the central bank was “highly unlikely” to follow the lead of countries that have taken […]

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Blog, In The Media

Low Mortgage Offers for 3 Years

Posted on by Reduce Home Loans
Low Mortgage offers
13
Jan

More Choices for Low Mortgage Rates Research Director of RateCity Sally Tindall claims “fixing is a strong option for borrowers in 2019”. The immediate future of home loans and mortgages is volatile with the pending Royal Commission report due in February. While fixing may look appealing to many borrowers, Sally Tindall quoted many low cost, […]

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Blog, Help Guides

7 Ways You Can Save Money on Your Home Loan

Posted on by Reduce Loans
Save Money On Your Home Loan
29
Jan

7 Ways You Can Save Money on Your Home Loan Saving money on your home loan isn’t easy, but it’s very worthwhile. The faster you pay it back, the less interest you pay. Additionally, there are some other tricks and tips that will have you saving more of your hard-earned money. Here are 7 ways […]

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Blog, Help Guides

3 surprising facts I’ve learnt about the Australian property market

Posted on by Reduce Loans
Finder Logo
25
Sep

  3 surprising facts I’ve learnt about the Australian property market Adam Smith – Finder.com.au  As an American who’s lived in Australia for the past seven years, I found the property market and the Aussie attitudes towards it a bit surprising at first. But the longer I live here, of course, the more I learn […]

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Blog

The Sydney Morning Herald Big banks hit owner-occupiers with $116k extra interest

Posted on by Reduce Loans
Sydney Morning Herald - extra interest
23
Mar

   – Nicole Pedersen-McKinnon Financial educator, commentator and author, as well as a qualified financial adviser and stockbroker. The Sydney Morning Herald Big banks hit owner-occupiers with $116k extra interest Click Here for Full Article  Fed up with the latest round of rate hoarding by our lenders and card issuers, 3½ years ago I developed an […]

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Help Guides

You’ve Won The Auction – What Happens Next?

Posted on by Reduce Loans
Property Auction
27
Feb

YOU’VE WON THE AUCTION – WHAT HAPPENS NEXT? Congratulations! You’ve just bought a property at auction. Before you can move in, there are some things you need to do. Remember, it’s always recommended to seek legal advice when purchasing a property. Sale contract and deposit There’s no cooling-off period when you buy at auction, so you can’t […]

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Blog, Help Guides

5 things I wish someone told me before I took out my mortgage

Posted on by Reduce Loans
Bessie Hassan Money Expert at finder.com.au
01
Nov

Bessie Hassan | Money Expert at finder.com.au  Regardless of whether you’re a first home buyer or a seasoned property guru, purchasing real estate and applying for a mortgage can be a lengthy and expensive process. While you don’t always have the benefit or wisdom of hindsight, there are certain things you should keep in mind […]

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(29)    For the Rate Cutter Variable where the borrower pays $1170 upfront fees then a corresponding loyalty discount of 0.10% p.a. off the Rate Cutter Variable (at that time)  will automatically apply after the 5th anniversary of the loan.  These fees and loyalty discount are factored into the comparison rate.  The loan setup fees are not refundable.

(27)    For the Investor Rate Slasher Cash Back Variable where the borrower pays $0 upfront fees then a corresponding loyalty discount of 0.06% p.a. off the Investor Rate Slasher Cash Back Variable (at that time)  will automatically apply after the 5th anniversary of the loan.  These fees and loyalty discount are factored into the comparison rate.  The loan setup fees are not refundable.

(26)    For the Low Rider Cash Back Variable where the borrower pays $0 upfront fees then a corresponding loyalty discount of 0.06% p.a. off the Low Rider Cash Back Variable (at that time)  will automatically apply after the 5th anniversary of the loan.  These fees and loyalty discount are factored into the comparison rate.  The loan setup fees are not refundable.

(25)    For the Economizer Cash Back Variable where the borrower pays an upfront fee of $697 then a corresponding loyalty discount of 0.08% p.a. off the Economizer Cash Back Variable (at that time)  will automatically apply after the 5th anniversary of the loan.  These fees and loyalty discount are factored into the comparison rate.  The loan setup fees are not refundable.

(24)    For the Super Saver Cash Back Variable where the borrower pays an upfront fee of $697 then a corresponding loyalty discount of 0.10% p.a. off the Super Saver Cash Back Variable (at that time)  will automatically apply after the 5th anniversary of the loan.  These fees and loyalty discount are factored into the comparison rate.  The loan setup fees are not refundable.

(23)    For the Super Saver Variable where the borrower pays an upfront fee of $1170 then a corresponding loyalty discount of 0.15% p.a. off the Super Saver Variable (at that time)  will automatically apply after the 5th anniversary of the loan.  These fees and loyalty discount are factored into the comparison rate.  The loan setup fees are not refundable.

(22)    For the Economizer Variable where the borrower pays an upfront fee of $1,170 then a corresponding loyalty discount of 0.11% p.a. off the Economizer Variable (at that time)  will automatically apply after the 5th anniversary of the loan.  These fees and loyalty discount are factored into the comparison rate.  The loan setup fees are not refundable.

(21)    For the Investor Cash Back Hero Variable where the borrower pays an upfront fee of $697 then a corresponding loyalty discount of 0.08% p.a. off the Cash Back Hero Variable (at that time)  will automatically apply after the 5th anniversary of the loan.  These fees and loyalty discount are factored into the comparison rate.  The loan setup fees are not refundable.

(18)    For the Home Owners Dream 1 year fixed where the borrower pays an upfront fee of $697 then a corresponding loyalty discount of 0.20% p.a. off the Home Owners Dream reverted variable rate (at that time)  will automatically apply after the 5th anniversary of the loan.  These fees and loyalty discount are factored into the comparison rate.  The loan setup fees are not refundable.

(20)    For the Cash Back Hero Variable where the borrower pays an upfront fee of $697 then a corresponding loyalty discount of 0.08% p.a. off the Cash Back Hero Variable (at that time)  will automatically apply after the 5th anniversary of the loan.  These fees and loyalty discount are factored into the comparison rate.  The loan setup fees are not refundable.

(14)   For the Investor Rate Slasher where the borrower pays an upfront fee of $1,170 then a corresponding loyalty discount of 0.09% p.a. off the Investor Rate Slasher rate (at that time)  will automatically apply after the 5th anniversary of the loan.  These fees and loyalty discount are factored into the comparison rate.  The loan setup fees are not refundable.

(12)   For the Investor Rate Lovers Interest Only where the borrower pays an upfront fee of $697 then a corresponding loyalty discount of 0.07% p.a. off the Investor Rate Lovers Interest Only rate (at that time)  will automatically apply after the 5th anniversary of the loan.  These fees and loyalty discount are factored into the comparison rate.  The loan setup fees are not refundable.

(11)   For the Wealth Maximizer 3 year fixed Principal & Interest where the borrower pays an upfront fee of $697 then a corresponding loyalty discount of 0.20% p.a. off the Wealth Maximizer reverted variable rate (at that time)  will automatically apply after the 5th anniversary of the loan.  These fees and loyalty discount are factored into the comparison rate.  The loan setup fees are not refundable.

(10)    For the Wealth Maximizer 2 year fixed where the borrower pays an upfront fee of $697 then a corresponding loyalty discount of 0.20% p.a. off the Wealth Maximizer reverted variable rate (at that time)  will automatically apply after the 5th anniversary of the loan.  These fees and loyalty discount are factored into the comparison rate.  The loan setup fees are not refundable.

(9)    For the Home Owners Dream 3 year fixed where the borrower pays an upfront fee of $697 then a corresponding loyalty discount of 0.20% p.a. off the Home Owners Dream reverted variable rate (at that time)  will automatically apply after the 5th anniversary of the loan.  These fees and loyalty discount are factored into the comparison rate.  The loan setup fees are not refundable.

(8)    For the Home Owners Dream 2 year fixed where the borrower pays an upfront fee of $697 then a corresponding loyalty discount of 0.20% p.a. off the Home Owners Dream reverted variable rate (at that time)  will automatically apply after the 5th anniversary of the loan.  These fees and loyalty discount are factored into the comparison rate.  The loan setup fees are not refundable.

(7)    For the Investor Rate Slasher where the borrower pays an upfront fee of $1,170 then a corresponding loyalty discount of 0.09% p.a. off the Investor Rate Slasher rate (at that time)  will automatically apply after the 5th anniversary of the loan.  These fees and loyalty discount are factored into the comparison rate.  The loan setup fees are not refundable.

(6)    For the Investor Rate Buster Variable where the borrower pays an upfront fee of $697 then a corresponding loyalty discount of 0.08% p.a. off the Investor Rate Buster Variable rate (at that time)  will automatically apply after the 5th anniversary of the loan.  These fees and loyalty discount are factored into the comparison rate.  The loan setup fees are not refundable.

(5)    For the Rate Buster Variable where the borrower pays an upfront fee of $150 then a corresponding loyalty discount of 0.05% p.a. off the Rate Buster Variable rate (at that time)  will automatically apply after the 5th anniversary of the loan.  These fees and loyalty discount are factored into the comparison rate.  The loan setup fees are not refundable.

(4)For the Rate Slasher Variable where the borrower pays an upfront fee of $1,170 then a corresponding loyalty discount of 0.08% p.a. off the Rate Slasher Variable rate (at that time) will automatically apply after the 5th anniversary of the loan. These fees and loyalty discount are factored into the comparison rate. The loan setup fees are not refundable.

(3) For the Investor Rate Lovers Variable where the borrower pays $0 upfront fees then a corresponding loyalty discount of 0.06% p.a. off the Investor Rate Lovers Variable rate (at that time) will automatically apply after the 5th anniversary of the loan. These fees and loyalty discount are factored into the comparison rate.  The loan setup fees are not refundable.

(2)For the Rate Lovers Variable where the borrower pays $0 upfront fees then a corresponding loyalty discount of 0.06% p.a. off the Rate Lovers Variable rate (at that time)  will automatically apply after the 5th anniversary of the loan.  These fees and loyalty discount are factored into the comparison rate.  The loan setup fees are not refundable.

(1) For the Low Rider Variable where the borrower pays $0 upfront fees then a corresponding loyalty discount of 0.06% p.a. off the Low Rider Variable rate (at that time) will automatically apply after the 5th anniversary of the loan. These fees and loyalty discount are factored into the comparison rate. The loan setup fees are not refundable.

(28) For the Rate Crusher 1 Year Fixed where the borrower pays an upfront fee of $697 then a corresponding loyalty discount of 0.05% p.a. off the Rate Crusher reverted variable rate (at that time) will automatically apply after the 5th anniversary of the loan. These fees and loyalty discount are factored into the comparison rate. The loan setup fees are not refundable.

(19) For the 1 Year Fixed Wealth Maximizer where the borrower pays an upfront fee of $697 then a corresponding loyalty discount of 0.20% p.a. off the 1 Year Fixed Wealth Maximizer reverted variable rate (at that time) will automatically apply after the 5th anniversary of the loan. These fees and loyalty discount are factored into the comparison rate. The loan setup fees are not refundable.