Large numbers of borrowers will soon be coming to the end of their fixed-rate period, with Commonwealth Bank alone revealing that $44 billion of fixed loans will expire this year, according to Canstar.
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I work with a large panel of lenders, many of which are offering special deals to people who refinance, so there’s a good chance I can help you switch to a lower-rate loan. That will help offset any future rate rises.
The Reserve Bank has said it will increase the cash rate at some point. When that happens, banks generally pass the rise over to consumers who experience a mortgage rate rise. So what can you do to prepare?
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The use of buy-now-pay-later services has surged in recent years, more than doubling between 2018 and 2021, according to Roy Morgan. Meanwhile, credit cards are also used by a lot of Australians.
Australia’s banking regulator, APRA, has introduced new lending rules that will reduce the maximum amount some people can borrow.
Refinancing your home loan for either an investment or owner-occupier property, is one of the most common options to access your equity or free up additional funds as you grow your property portfolio.
A range of lenders now offer special loans for borrowers who want to finance home improvements such as:
Installing solar panels
Installing water tanks
Adding double glazing to the windows
Doing renovations to make the home more energy-efficient