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  • Rent Or Buy – Which Is Better? « Formula 1 Finance Formula 1 Finance
    obvious advantage to buying a home is the sense of security and stability it brings It gives your family an asset to call their own that can be passed down through generations or downsized to fund retirement Another great advantage is that the family home is generally exempt from capital gains tax unless you rented it out for a time or it s on more than two hectares of land Property ownership also allows you the freedom to do what you want with the property Whether it be hanging a picture replacing a hot water system or owning a pet it s your own little piece of Australia under your control Reasons for Renting But perhaps you feel that you re not in a financial position to buy or you enjoy the freedom of being able to move around in which case renting may be your best choice Renting gives you the opportunity to live in an area where you may not be able to afford to buy and you are free of the costs of maintenance rates and insurance Renting also allows you to move homes more frequently but on the other hand there is the uncertainty of not knowing whether you will be able to remain in a home you have grown fond of Ultimately the decision to buy or rent will be determined by your individual circumstances and finances It s important you are able to meet the monthly mortgage repayments and this is where we can help by tailoring a home loan suited to your lifestyle and financial position Brett Colley 365 Posts Brett has been involved in management in the finance industry for over 13 years Brett s diverse experience in finance real estate developments and all facets of the construction industry confirms Formula 1

    Original URL path: http://www.formula1finance.com.au/finance-news/rent-or-buy-which-is-better/ (2014-01-04)
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  • Stamp duty reform overdue Formula 1 Finance
    and buying and between moving house and renovating Each state and territory government would address the issue with their respective Cabinets before the Council of Australian Governments COAG meets in December when tax reform will be on the agenda Established in 1992 the COAG aims to coordinate activity between the federal government and the six state and two territory governments Discussion is promising but action is required as a reform of stamp duty would increase GDP outcomes and productivity and greatly improve housing affordability The Henry Tax Review recommended that stamp duty be prioritised in any tax reform agenda I would like to see all governments address the matter in a concerted and coordinated way While stamp duty falls under state and territory jurisdiction leadership is required from the federal government We need a mature discussion at COAG to capitalise on the initiative being shown by state and territory treasurers Brett Colley 365 Posts Brett has been involved in management in the finance industry for over 13 years Brett s diverse experience in finance real estate developments and all facets of the construction industry confirms Formula 1 Finance to be an innovative professional finance broking firm On November 15 2012 Enconomy Finance News Financial goals Stamp Duty Comments Off Comments are closed Finance News RBA rate announcement Banks Mining Towns and Rental Yields Houses outperform units in capitals Positive return for Qld market Whats happening with Vacant Land Sales Credit conditions restricting construction Housing Values Rise Housing Facts Rates on Hold New home sales at 2 year high Categories Australian Dollar Bank fees Bank Profits Budget Enconomy Finance News Financial goals First Home Buyer Government banking reform Home loan product House prices Inflation Interest rate Rental Growth Stamp Duty Technology Wealth January 2014 M T W T F S S

    Original URL path: http://www.formula1finance.com.au/finance-news/stamp-duty-reform-overdue/ (2014-01-04)
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  • RBA to leave rates on hold Formula 1 Finance
    dollar is now 11 per cent lower on a trade weighted basis than it was in mid April From the RBA s perspective the fall in the Australian dollar will be the key development affecting its policy view General rules of thumb suggest that a 10 per cent depreciation could add around 0 3 to 0 4 percentage points to the consumer price index each year which all else equal would lift the RBA s inflation forecasts to around the middle of the target band by end 2013 The depreciation should also support Australia s growth rebalancing act In terms of the outlook for rates much depends on where the Australian dollar settles The recent fall in the dollar gives the RBA time to hold steady this month but there is still some room for it to cut further if needed Brett Colley 365 Posts Brett has been involved in management in the finance industry for over 13 years Brett s diverse experience in finance real estate developments and all facets of the construction industry confirms Formula 1 Finance to be an innovative professional finance broking firm On July 1 2013 Australian Dollar Budget Enconomy Finance News Financial goals House prices Inflation Wealth Comments Off Comments are closed Finance News RBA rate announcement Banks Mining Towns and Rental Yields Houses outperform units in capitals Positive return for Qld market Whats happening with Vacant Land Sales Credit conditions restricting construction Housing Values Rise Housing Facts Rates on Hold New home sales at 2 year high Categories Australian Dollar Bank fees Bank Profits Budget Enconomy Finance News Financial goals First Home Buyer Government banking reform Home loan product House prices Inflation Interest rate Rental Growth Stamp Duty Technology Wealth January 2014 M T W T F S S Dec 1 2 3

    Original URL path: http://www.formula1finance.com.au/finance-news/rba-to-leave-rates-on-hold/ (2014-01-04)
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  • Rates on hold Formula 1 Finance
    cuts and move variable interest rates independently of the RBA Cost of funding pressures have significantly eased from last year and out of cycle rate movements could be the next area of heated competition between lenders The RBA rate cut in May sparked competition with ANZ cutting rates over the RBA rate drop and dethroning NAB with the lowest advertised standard variable rate a position which it held for four years The main area of competition most consumers aren t aware of is the rate discounting going on behind the scenes Small out of cycle rate movements are minuscule compared to the lengths some lenders are going to attract certain types of borrowers Further interest rate cuts predicted this year homeowners were likely to see interest rates drop to further historic lows As poor economic data and the Aussie dollar continue to give the RBA scope to lower the cash rate homeowners should feel confident that they re going to be saving money on their home loans Brett Colley 365 Posts Brett has been involved in management in the finance industry for over 13 years Brett s diverse experience in finance real estate developments and all facets of the construction industry confirms Formula 1 Finance to be an innovative professional finance broking firm On June 4 2013 Australian Dollar Budget Enconomy Finance News Financial goals Inflation Interest rate Wealth Comments Off Comments are closed Finance News RBA rate announcement Banks Mining Towns and Rental Yields Houses outperform units in capitals Positive return for Qld market Whats happening with Vacant Land Sales Credit conditions restricting construction Housing Values Rise Housing Facts Rates on Hold New home sales at 2 year high Categories Australian Dollar Bank fees Bank Profits Budget Enconomy Finance News Financial goals First Home Buyer Government banking reform Home

    Original URL path: http://www.formula1finance.com.au/finance-news/rates-on-hold-5/ (2014-01-04)
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  • RBA cuts rates Formula 1 Finance
    rate cut means the Reserve Bank has now slashed 125 basis points from the cash rate over the last 12 months While the official rate now sits at the historic low of 3 per cent economists weren t surprised by the rate cut and believe the RBA could tighten the cash rate further still in the New Year For many parts of the economy interest rates remain high given the subdued level of business conditions This is particularly true at a time when the Australian dollar has remained elevated Further monetary easing is necessary to assist the economy in its transition towards a lower dependence on mining investment growth We continue to expect the Reserve Bank to maintain a strong easing bias in 2013 Brett Colley 365 Posts Brett has been involved in management in the finance industry for over 13 years Brett s diverse experience in finance real estate developments and all facets of the construction industry confirms Formula 1 Finance to be an innovative professional finance broking firm On December 4 2012 Australian Dollar Enconomy Finance News Financial goals House prices Inflation Interest rate Wealth Comments Off Comments are closed Finance News RBA rate announcement Banks Mining Towns and Rental Yields Houses outperform units in capitals Positive return for Qld market Whats happening with Vacant Land Sales Credit conditions restricting construction Housing Values Rise Housing Facts Rates on Hold New home sales at 2 year high Categories Australian Dollar Bank fees Bank Profits Budget Enconomy Finance News Financial goals First Home Buyer Government banking reform Home loan product House prices Inflation Interest rate Rental Growth Stamp Duty Technology Wealth January 2014 M T W T F S S Dec 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19

    Original URL path: http://www.formula1finance.com.au/finance-news/rba-cuts-rates-4/ (2014-01-04)
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  • Future rate cuts likely: ANZ Formula 1 Finance
    2011 when consumer and business confidence was significantly affected by uncertainty with European economic and financial developments Advertisements are now 9 6 per cent below year ago levels ANZ s head of Australian economics and property research Mr Colhoun said the slight declining trend for job advertising together with a pick up in job losses due to restructuring and businesses productivity initiatives is likely to be consistent with a slight further trend rise in the unemployment rate over coming months The trend in employment and unemployment over coming months will be extremely important in the Reserve Bank s future deliberations on monetary policy While the Bank appears happy currently to assess the impact of recent interest rate reductions on the economy we expect that later in the year slower than desirable employment growth and a continuing upward drift in the unemployment rate will allow modest further monetary policy accommodation a trend which appears likely to continue in the early months of 2013 as well Weaker commodity prices in conjunction with a still high Australian dollar if persistent and the trend in deferrals of a number of resource projects reinforce this expectation Brett Colley 365 Posts Brett has been involved in management in the finance industry for over 13 years Brett s diverse experience in finance real estate developments and all facets of the construction industry confirms Formula 1 Finance to be an innovative professional finance broking firm On September 4 2012 Australian Dollar Enconomy Financial goals House prices Inflation Interest rate Wealth Comments Off Comments are closed Finance News RBA rate announcement Banks Mining Towns and Rental Yields Houses outperform units in capitals Positive return for Qld market Whats happening with Vacant Land Sales Credit conditions restricting construction Housing Values Rise Housing Facts Rates on Hold New home sales at

    Original URL path: http://www.formula1finance.com.au/house-prices/future-rate-cuts-likely-anz/ (2014-01-04)
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  • May rate cut on the cards Formula 1 Finance
    show a flat market with house prices with no improvement seen over the first quarter of the year Poor results are expected in the housing finance and employment results which will be released by the Australian Bureau of Statistics later this week International news is also making its mark on Australia with a slowing growth rate in China also causing damage at home Spain conceded its debts will balloon this year to their highest level for two decades The Spanish government announced that the debt to GDP ratio will leap to 79 8 per cent in 2012 from 68 5 per cent last year Also news of tension between the US and China over the holiday may cause the Australian market to suffer according to the Australian Financial Review despite the US government playing down the fears of confrontation The industry will be keeping a close eye on the release of vital indicators in the coming week including consumer sentiment employment figures and housing finance Brett Colley 365 Posts Brett has been involved in management in the finance industry for over 13 years Brett s diverse experience in finance real estate developments and all facets of the construction industry confirms Formula 1 Finance to be an innovative professional finance broking firm On April 10 2012 Australian Dollar Enconomy Financial goals House prices Inflation Interest rate Wealth Comments Off Comments are closed Finance News RBA rate announcement Banks Mining Towns and Rental Yields Houses outperform units in capitals Positive return for Qld market Whats happening with Vacant Land Sales Credit conditions restricting construction Housing Values Rise Housing Facts Rates on Hold New home sales at 2 year high Categories Australian Dollar Bank fees Bank Profits Budget Enconomy Finance News Financial goals First Home Buyer Government banking reform Home loan product House

    Original URL path: http://www.formula1finance.com.au/house-prices/may-rate-cut-on-the-cards/ (2014-01-04)
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  • More Interest Rate Cuts Formula 1 Finance
    the non mining sector of the economy will remain below trend and forecasting that inflation will be contained there appears to be ample scope for further rate cuts should that non mining sector continue to underperform However the growth forecasts for the second half of 2011 are extremely upbeat and I would be surprised that if those forecasts were achieved there would be a need to cut rates I am of the view that the growth momentum will be considerably weaker than the Banks currently expect That will be due to softer consumer spending weaker business investment outside mining and ongoing difficulties in the housing market All of those components argue the case for the RBA to reduce rates further Brett Colley 365 Posts Brett has been involved in management in the finance industry for over 13 years Brett s diverse experience in finance real estate developments and all facets of the construction industry confirms Formula 1 Finance to be an innovative professional finance broking firm On November 7 2011 Australian Dollar Budget Enconomy Finance News Financial goals Home loan product House prices Inflation Interest rate Wealth Comments Off Comments are closed Finance News RBA rate announcement Banks Mining Towns and Rental Yields Houses outperform units in capitals Positive return for Qld market Whats happening with Vacant Land Sales Credit conditions restricting construction Housing Values Rise Housing Facts Rates on Hold New home sales at 2 year high Categories Australian Dollar Bank fees Bank Profits Budget Enconomy Finance News Financial goals First Home Buyer Government banking reform Home loan product House prices Inflation Interest rate Rental Growth Stamp Duty Technology Wealth January 2014 M T W T F S S Dec 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19

    Original URL path: http://www.formula1finance.com.au/finance-news/more-interest-rate-cuts/ (2014-01-04)
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