Tag Archives: property investment

Blog, Help Guides

How your tax refund could save thousands off your mortgage

Posted on by Reduce Home Loans
05
Jul

Expecting a decent tax refund this new financial year? Hold off on cashing it in for a short-term reward, as you may want to consider putting it into your mortgage instead. According to the AFR, last year the Australian Taxation Office (ATO) received returns from 13 million taxpayers reporting income of about $827 billion. And […]

Continue reading →
Blog, Help Guides

Should I live in my property or consider ‘rentvesting’?

Posted on by Reduce Home Loans
29
Jun

If you’re a first time buyer intimidated by the current property market, you may be tossing up between living in your first property or renting it out as an investor. The latest Australian Bureau of Statistics Lending Indicators show that living in a property as an owner-occupier is still the most popular option for new […]

Continue reading →
Blog, Help Guides

3 Property Investment Trends in 2020

Posted on by Reduce Home Loans
15
Sep

Looking to buy an investment property, or expand your current portfolio? Understandably, the market has seen quite a few ups and downs in the last twelve months. From record-low interest rates to a COVID-19 disruption, it can be a little unclear which direction to take. We’ll guide you through a number of trends investors have […]

Continue reading →
Blog, Help Guides

Is now the right time to invest in property?

Posted on by Reduce Home Loans
03
Sep

Australia is currently facing its first recession in decades off the back of the Coronavirus pandemic, which makes the prospect of buying an investment property feel more uncertain than before. Many Australian investors may be wondering if the best time to buy is now or if they should hold out? However, there are a few […]

Continue reading →
Blog, Help Guides

How Does Equity Work in Property?

Posted on by Reduce Home Loans
Equity in property
21
Feb

If you own a property, the difference in the amount you own on that property and its market value is known as equity. When people mention equity, you may be asking some questions like how does equity work in property? The main benefit is your ability to access this equity to secure further finance for […]

Continue reading →
Blog, Help Guides, In The Media

House prices on the rise in 2020

Posted on by Reduce Home Loans
Dwelling Prices Rising in 2020
11
Feb

House prices across the country are showing a rising trend, with the national dwelling value index increasing by 0.9% in January. According to CoreLogic, this takes the annual growth rate to 4.1% – the fastest growth pace over a twelve month period since December 2017. The increase reflects a massive 6.7% turnaround since the housing […]

Continue reading →
Blog, Help Guides, In The Media

Do you know your Interest Rate?

Posted on by Reduce Home Loans
What interest rate
26
Aug

75% of Australians do not know their home loan interest rate, according to the Herald Sun. You could be paying far less in interest on your home loan by getting the know-how and refinancing to a better rate. Following two consecutive Cash Rate cuts by the Reserve Bank of Australia, it seems every Australian with […]

Continue reading →
Blog, Help Guides

2019 Pre-Election Budget

Posted on by Reduce Home Loans
2019 Pre-Election Budget Released
18
Apr

How will the proposed 2019 Budgets affect home owners and investors? Last week, Scott Morrison and Bill Shorten released their proposed budgets following the national election on May 18 2019. Many topics including infrastructure, employment and health services were addressed, which covered the news headlines. Housing affordability plans and assistance schemes were given mention by […]

Continue reading →
Blog, In The Media

Media Release: Queensland remains hotspot for property investors in first quarter of 2018

Posted on by Reduce Loans
First Quarter Mortgage Statistics 2018
28
May

Hotspot for Property Investors Reduce Home Loans’ first-quarter sales data has revealed that property investors in New South Wales and Victoria continue to dominate the mortgage sector overall. Accounting for the location of nearly two-thirds of all properties settled in the period and the highest average values, the Sunshine State remains the firm favourite for […]

Continue reading →
Blog, Help Guides

Tips on Buying Off Plan Properties

Posted on by Reduce Loans
buying off plan
09
Oct

What does Buying Off Plan mean? Buying off plan is buying a property that are advertised for sale before it has been constructed and waiting until the construction id finished before paying the remaining balance of your purchase price. Tips Before Buying Off the Plan Properties Check the Contract Before diving in you must review […]

Continue reading →

(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.