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  • basis points Archives « Formula 1 Finance Formula 1 Finance
    cent The rate cut means the Reserve Bank has now slashed 125 basis points from the cash rate over the last 12 Read more Back to Top Fixed rate cycle tipped to turn On July 25 2012 Enconomy Finance News Financial goals Home loan product House prices Interest rate Wealth Comments Off mortgage holders to fix their loan Fixed rates are very low at the moment lower than they have been in years and as such borrowers should think about fixing part or all of their home loan Historically speaking when fixed rates fall below 6 per cent they Read more Back to Top ANZ delivers rate cut On June 8 2012 Enconomy Finance News Financial goals House prices Inflation Interest rate Wealth Comments Off a move that will likely surprise the market ANZ has passed on the RBA s full 25 basis point cash rate cut The lender is the first of the majors to move cutting interest rates by 25 basis points from 7 05 down to 6 80 per cent effective 15 Read more Back to Top RBA cuts rates On June 5 2012 Enconomy Finance News Financial goals Inflation Interest rate Wealth Comments Off Reserve Bank of Australia has cut the official cash rate for the second consecutive month The decision came as no surprise to many economists after last night s share market fiasco Australian shares hit a six month low at close of business yesterday wiping approximately 23 billion from the Read more Back to Top Interest rate cut looming On June 4 2012 Bank Profits Enconomy Finance News Financial goals Inflation Interest rate Wealth Comments Off of Statistics showed that retail spending dropped by 0 20 per cent in April compared to March A rate reduction could help improve consumer confidence and therefore drive spending The current average standard variable home loan rate is now 6 61 per cent but most borrowers are already Read more Back to Top Rate cut fails to improve sentiment On May 18 2012 Budget Enconomy Financial goals Home loan product Inflation Interest rate Wealth Comments Off follows a surprise 0 5 per cent cut in the official cash rate by the Reserve Bank and extensive media coverage that the unemployment rate had fallen from 5 2 per cent to 4 9 per cent However other factors appear to have offset these positives Firstly there might Read more Back to Top More banks move rates On May 9 2012 Enconomy Financial goals Home loan product Interest rate Wealth Comments Off more lenders continue to move on rates one thing is becoming very clear no lender is prepared to pass on the full rate cut to borrowers In the last few days BankSA cut 38 basis points from its standard variable rate to 7 04 per cent while St Read more Back to Top Cash rate to hit 3pc by year s end ANZ On May 8 2012 Enconomy Financial goals Inflation Interest rate Wealth Comments Off Reserve Bank

    Original URL path: http://www.formula1finance.com.au/tag/basis-points/ (2014-01-04)
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  • national australia bank Archives « Formula 1 Finance Formula 1 Finance
    now expects a considerable period of inaction by the RBA NAB still however continue to expect Read more Back to Top NAB predict interest rates to hold On March 10 2011 Enconomy Inflation Interest rate Wealth Leave a comment National Australia Bank has revised its rate forecast for 2011 pushing the first rate rise for the year back to August The NAB forecast on rate rises has been delayed from May to August with the final adjustment to 5 25 per cent in November The risk of an Read more Back to Top NAB tipping rates to rise in next year On August 2 2010 Finance News Leave a comment National Australia Bank Ltd chief economist Alan Oster is tipping interest rates will rise about one per cent during the next 12 months While the chance of the Reserve Bank of Australia RBA raising the official cash rate at a meeting on Tuesday was zero Mr Oster Read more Back to Top PPI won t curb rate rise economists On July 27 2010 Finance News Leave a comment June quarter the PPI rose 0 9 per cent while at the preliminary stage it rose 1 5 per cent Over the year to June at the intermediate stage the PPI rose 0 6 per cent and at the preliminary stage it rose 1 2 per cent The current cash Read more Back to Top Reserve Bank tipped to show mercy On June 8 2010 Finance News Leave a comment to some gradual improvement The experts are expecting official labour market data for May due out on Thursday to show the jobless rate holding steady at 5 4 per cent as 20 000 jobs are created Continuing growth in the jobs market would contribute to a very gradual Read more Back to

    Original URL path: http://www.formula1finance.com.au/tag/national-australia-bank/ (2014-01-04)
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  • global financial crisis Archives « Formula 1 Finance Formula 1 Finance
    no change in lending rates would be necessary ANZ are still beating the drum that margins in retail and business banking have now been squeezed for a number of months and they have taken the difficult Read more Back to Top Take Some Risk Off The Table On November 18 2011 Budget Enconomy Finance News Financial goals Inflation Interest rate Wealth Comments Off opportunity to take some risk off the table and lock in remarkably low fixed rates is there again Fixed rates could go even lower but to sustain current levels the market is likely to need to expect the cash rate to fall into the 2 s Read more Back to Top 0 75 Interest Rate Reduction by September 2012 On November 17 2011 Enconomy Finance News Financial goals House prices Interest rate Wealth Comments Off recent renewed turmoil in Europe fixed rates have pushed down to a whisker below the levels of August 8 Markets are now predicting that the Reserve Bank s cash rate will be lowered to around 3 from its current 4 5 That 3 was the low point in Read more Back to Top Govt releases budget to mixed reviews On May 12 2010 Finance News Leave a comment Wayne Swan is banking on surging company tax revenue and the revitalised mining boom backed by government spending discipline to drive the federal budget back into the green within the next three years In announcing the federal budget last night Mr Swan said the government had Read more Back to Top Inflation rise could force RBA s hand On April 29 2010 Finance News Leave a comment inflation will be put to one side even by the RBA But as recently as this month s RBA Board meeting which raised the cash rate to 4 25 per cent the central bank was downplaying the risk of contagion from Greece So unless a steep pull back in Read more Back to Top Home Loan Rate rises tipped as resources boom On April 28 2010 Finance News Leave a comment jobs market but warns rising interest rates and a weak commercial construction sector could cause economic headwinds New South Wales Treasurer Eric Roozendaal says he is confident of sustained growth All the strong indicators retail sales construction activity housing sector new cars we are Read more Back to Top Credit growth moderate despite consumer confidence On April 20 2010 Finance News Leave a comment cent for credit cards Debit scheme cards give consumers the best of both worlds accessibility of a credit card and they allow the consumer to use their own money Mr Senlitonga said When it comes to choosing which cards to use it is clear that Australians Read more Back to Top HOUSING is the biggest market in Australia and a house is the single largest purchase a person is likely to make in a lifetime On April 19 2010 Finance News Leave a comment series on the nation s residential property market

    Original URL path: http://www.formula1finance.com.au/tag/global-financial-crisis/ (2014-01-04)
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  • mortgage rates Archives « Formula 1 Finance Formula 1 Finance
    will drop the cash rate when the Board meets next week it is becoming increasingly unlikely that Australia s banks will pass on any rate cut in full The banks have gone to great lengths to forewarn borrowers and brokers that any rate cuts delivered Read more Back to Top Interest rate hike likely mid 2011 On November 8 2010 Australian Dollar Inflation Interest rate Leave a comment My concern is that while the surge in mining investment is undoubted other sectors of the economy which are domestically focussed wholesale retail transport communication housing non mining related construction will all be impacted by prospects for domestic spending which particularly in the case of Read more Back to Top More banks drop fixed rates On August 27 2010 Finance News Leave a comment fixed rate market seems to be gaining some ground from their previously expensive tag As the short term fixed rate competition starts to hot up this is good news for borrowers are previously the rates were almost laughable The big banks and lenders all want a Read more Back to Top RBA on hold inflation now in focus On May 31 2010 Finance News Leave a comment Europe are dominating market thinking We cannot deny uncertainty and risks Readers will recall that in late April Westpac was the only forecaster on the standard panels of around 25 expecting rates to remain on hold for the rest of the year following a May rate Read more Back to Top ANZ cuts home loan rates On May 27 2010 Finance News Leave a comment has trimmed some of the fat on its fixed term mortgage rates positioning itself as a true competitor in fixed lending Yesterday the major announced it would slash six basis points from its three year fixed rate 19 basis points from its four year fixed loan Read more Back to Top CBA predict home loan rates to hold until may On April 1 2010 Finance News Leave a comment half of 2010 Housing credit rose by 0 7 in February to be 8 5 higher over the past year There are underlying divergent trends in housing lending overlaid by the volatility from the First Home Buyers group The underlying trends are that new lending is offset to Read more Back to Top Westpac Predict Home loan rates to hold for now On April 1 2010 Finance News Leave a comment cash rate has increased by 100bps since the GFC began The average cash rate over the period January 1992 when inflation had settled around its current levels and December 2007 was 5 5 and underlying inflation averaged 2 6 It s reasonable to assess that the Bank would consider Read more Back to Top AMP Bank Ltd to lower interest rates on its entry level home loan products after hiking mortgage rates earlier this month On March 22 2010 Finance News Leave a comment AMP Bank dropped the interest rate on its basic variable home loan

    Original URL path: http://www.formula1finance.com.au/tag/mortgage-rates/ (2014-01-04)
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  • variable rate Archives « Formula 1 Finance Formula 1 Finance
    rates are very low at the moment lower than they have been in years and as such borrowers should think Read more Back to Top Interest rate cut looming On June 4 2012 Bank Profits Enconomy Finance News Financial goals Inflation Interest rate Wealth Comments Off With the latest data from the Australian Bureau of Statistics showing the Australian economy is not performing strongly there is a good possibility that the Reserve Bank will choose to cut the official cash rate again at tomorrow s board meeting The latest figures from the Australian Bureau Read more Back to Top More banks move rates On May 9 2012 Enconomy Financial goals Home loan product Interest rate Wealth Comments Off more lenders continue to move on rates one thing is becoming very clear no lender is prepared to pass on the full rate cut to borrowers In the last few days BankSA cut 38 basis points from its standard variable rate to 7 04 per cent while St Read more Back to Top CBA follows NAB lead On May 3 2012 Bank Profits Enconomy Finance News Financial goals Home loan product Inflation Wealth Comments Off Commonwealth Bank of Australia has cut its standard variable rate and thrown down the gauntlet to ANZ and Westpac This morning CBA announced it would cut 40 basis points from its standard variable rate taking it to 7 01 per cent 0 02 per cent higher than National Read more Back to Top Majors hold fire on interest rate cut On May 2 2012 Bank Profits Enconomy Financial goals Home loan product Inflation Interest rate Wealth Comments Off is a very big move from the Reserve Bank and it will help thousands of households with people on a 300 000 mortgage potentially saving around 1 000 per year But it s unlikely that all lenders will pass on the full 50 basis point rate cut The signals Read more Back to Top Westpac rate adjustment could be sign of things to come On May 1 2012 Enconomy Finance News Financial goals Home loan product Interest rate Wealth Comments Off decision to increase its standard variable rate discount could be a sign that the lender expects the Reserve Bank to cut rates at today s Board meeting Yesterday Westpac announced it would increase its standard variable discount to 0 70 percentage points from 0 40 per cent to home loans Read more Back to Top Fix or not On March 28 2012 Budget Enconomy Finance News Financial goals Home loan product Interest rate Wealth Comments Off contract on how the break fees are calculated in case you have to sell or refinance within the set term The more rates fall the higher the break cost because the re financer has to compensate themselves for the loss of re lending the money at a lower Read more Back to Top Banks to move regardless of RBA On March 6 2012 Bank Profits Enconomy Finance News Financial goals Inflation Interest

    Original URL path: http://www.formula1finance.com.au/tag/variable-rate/ (2014-01-04)
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  • rate cuts Archives « Formula 1 Finance Formula 1 Finance
    6 per cent below their 2010 peak The latest housing market data add weight to the argument that interest Read more Back to Top Feb rate cut unlikely On February 1 2013 Budget Enconomy Finance News Financial goals Inflation Interest rate Wealth Comments Off indicators are within targeted ranges and it appears homeowners aren t convinced the RBA has enough evidence to lower interest rates The December rate cut certainly did help inject some confidence into areas of the economy and help spending and consumption over the holiday period But like Read more Back to Top Cash rate to hit 2 25pc On January 30 2013 Budget Enconomy Financial goals Interest rate Wealth Comments Off Australia Bank is predicting three rate cuts this year despite the fact that new research shows business confidence is on the rise According to NAB s latest monthly business survey business confidence improved considerably in December after deteriorating to its weakest level since April 2009 in the Read more Back to Top Future rate cuts likely ANZ On September 4 2012 Australian Dollar Enconomy Financial goals House prices Inflation Interest rate Wealth Comments Off While it is unlikely that the Reserve Bank will cut interest rates when the Board meets later today ANZ believe soft job data could encourage the RBA to relax the current monetary policy setting within the next few months According to the latest ANZ Job Advertisement Series the Read more Back to Top Rates on hold On August 7 2012 Budget Enconomy Finance News Financial goals House prices Inflation Interest rate Wealth Comments Off Reserve Bank of Australia has taken a wait and see approach to rates leaving the official cash rate on hold for the second consecutive month Earlier today the Board decided it was prudent to leave the cash rate on hold at 3 5 per cent for another month Read more Back to Top August rate cut unlikely On August 3 2012 Budget Enconomy Finance News Financial goals House prices Interest rate Wealth Comments Off over the last four weeks giving the Reserve Bank reason to hold fire on another rate cut The Reserve Bank definitely has scope to cut rates if they so wish given the lower than expected inflation rate That said given that there has been improvement in Read more Back to Top ANZ delivers rate cut On June 8 2012 Enconomy Finance News Financial goals House prices Inflation Interest rate Wealth Comments Off a move that will likely surprise the market ANZ has passed on the RBA s full 25 basis point cash rate cut The lender is the first of the majors to move cutting interest rates by 25 basis points from 7 05 down to 6 80 per cent effective 15 Read more Back to Top More banks move rates On May 9 2012 Enconomy Financial goals Home loan product Interest rate Wealth Comments Off is becoming very clear no lender is prepared to pass on the full rate cut to borrowers

    Original URL path: http://www.formula1finance.com.au/tag/rate-cuts/ (2014-01-04)
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  • market share Archives « Formula 1 Finance Formula 1 Finance
    cent LVR plus capitalizing the mortgage insrance to a Read more Back to Top Refinance to a better deal now could be the time On February 25 2011 Financial goals Interest rate Wealth Leave a comment all the Home Loan Lenders now starting to fight between themselves to increase market share and as a Specialist Mortgage Broker I have been able to negotiate some amazing deals for clients recently that are not advertised by any of them So if you are considering reviewing your Read more Back to Top ANZ hike interest rates On November 11 2010 Finance News Home loan product Interest rate Leave a comment has become the second bank in as many weeks to move out of cycle with the RBA Yesterday the major lifted its standard variable mortgage rate and business lending rates by 0 39 per cent well above the RBA s 25 basis point cash rate hike but Read more Back to Top Low Doc Loans making a comeback On October 19 2010 Home loan product Interest rate Leave a comment is alive and well in the Australian market In addition the non bank lender is also re launching its popular Specialist Lending LoDoc product which allows for a maximum LVR of 85 per cent includes the purpose of refinance and permits unlimited cash out to 65 per cent Read more Back to Top The Big 4 Banks still dominate On September 2 2010 Finance News Leave a comment big four continue to dominate the mortgage market with the latest APRA monthly banking statistics the big four account for over 85 per cent of all mortgages Westpac continues to edge out CBA with the majors recording a market share of 27 34 per cent and 25 54 per Read more Back to Top ANZ

    Original URL path: http://www.formula1finance.com.au/tag/market-share/ (2014-01-04)
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  • monetary policy Archives « Formula 1 Finance Formula 1 Finance
    the Board meets later today ANZ believe soft job data could encourage the RBA to relax the current monetary policy setting within the next few months According to the latest ANZ Job Advertisement Series the Read more Back to Top RBA Leaves Rate Unchanged On April 3 2012 Enconomy Financial goals Home loan product Interest rate Wealth Comments Off that inflation will be in the 2 3 per cent range over the coming one to two years This forecast abstracts from the effects of the carbon price and also embodies an assumption that productivity growth in the economy increases somewhat as a result of the structural Read more Back to Top ANZ Ignore RBA Increase Rate On February 10 2012 Bank Profits Budget Enconomy Finance News Financial goals Home loan product Inflation Interest rate Wealth Comments Off which considered the intense pressure on retail and business margins in recent months being sustained following increased competition among banks for consumer and business deposits that has provided higher relative returns to ANZ s 2 9 million deposit customers higher costs paid by ANZ for 8 billion in Read more Back to Top Domestic outlook Interest rate cut On August 4 2011 Enconomy Finance News Financial goals Inflation Interest rate Wealth Comments Off RBA s the decision to keep the cash rate unchanged it appears that global macro uncertainty continues to over ride the RBA s positive view on the domestic economy and its still moderately hawkish stance on monetary policy In the meantime all the recent economic data particularly the July ISM Read more Back to Top RBA SOFTENS ITS OUTLOOK On July 5 2011 Finance News Leave a comment Europe have also added to uncertainty and volatility in financial markets over recent months The key question is whether this more moderate pace of growth will continue Commodity prices have generally softened of late though they remain at very high levels Despite the challenging international environment Read more Back to Top Home loan interest rates on hold On December 20 2010 Interest rate Leave a comment suspect home loan interest rates will not go up until at least April 2011 The minutes of the latest Reserve Bank Board meeting are expected to reinforce the message that interest rates will remain on hold for several months I remain of the view that the Read more Back to Top Poor housing figures RBA leaves rates on hold On October 5 2010 Interest rate Leave a comment Reserve Bank has surprised the industry by choosing to leave the official cash rate on hold at 4 5 per cent Despite widespread speculation that the RBA would tighten monetary policy in a bid to stop inflationary pressure from seeping into the wider economy a spate of Read more Back to Top Home loan interest rates on hold On August 3 2010 Finance News Leave a comment central bank today decided to keep the official cash rate on hold as was widely anticipated by economists following the release

    Original URL path: http://www.formula1finance.com.au/tag/monetary-policy/ (2014-01-04)
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