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  • the bank Archives « Page 4 of 7 « Formula 1 Finance Formula 1 Finance
    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 increases Home Loan to Value Ratio to 97 On August 26 2010 Finance News Leave a comment Effective Monday 6 September 2010 the maximum Loan to Value Ratio accepted by ANZ for Home and Residential Investment Loans will change to reflect the following For eligible existing lending customers the maximum Loan to Value Ratio is 95 with the option to finance the LMI premium Read more Back to Top Interest rates appropriate as super saver evolves On August 18 2010 Finance News Leave a comment RBA board says the current cash rate is still appropriate pending further information Aside from the usual monthly raft of economic data the next crucial piece of information will be the official inflation figures for the September quarter released in late October The bank decided to Read more Back to Top Home loan interest rates on hold On August 3 2010 Finance News Leave a comment likely to be close to trend inflation close to target and the global outlook remaining somewhat uncertain the Board judged this setting of monetary policy to be appropriate Mr Stevens said This view was widely felt by economists including Westpac senior economist Matthew Hassan who recently Read more Back to Top Westpac Predict Rates on Hold till 2011 On August 3 2010 Finance News Leave a comment number came as an extraordinary surprise Westpac s forecasts for trimmed mean and headline inflation were both at 0 9 qtr Market consensus was 0 8 qtr and 1 0 qtr respectively We have to go all the way back to the December quarter of 2006 to recall a similar massive surprise when Read more Back to Top Banks may raise 0 15pc above RBA On July 26 2010 Finance News Leave a comment Making headlines today The Australian Financial Reviewhas reported that Australia s major banks will be forced to surrender 700 million in profits unless they raise their interest rates above those of the RBA According to the paper analysis by Morgan Stanley show the combined profits of the big four Read more Back to Top RBA home loan interest rates on hold for now On July 21 2010 Finance News Leave a comment RBA appear comfortable with interest rates at 4 5 and maintains a neutral stance However the risks to both the global and domestic outlooks appear to have shifted further to the downside In particular the RBA appears more concerned about the outlook for Europe and ongoing tensions Read more Back to Top Expect more rate rises from banks PIMCO On July 15 2010 Finance News Leave a comment PIMCO Australia head of portfolio management Rob Mead said that even though Australia s double A rated banks were perceived as among the world s strongest

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  • the bank Archives « Page 5 of 7 « Formula 1 Finance Formula 1 Finance
    some short term mercy The clues Read more Back to Top RBA maintains neutral stance On June 2 2010 Finance News Leave a comment RBA kept its official policy rate unchanged at 4 5 as unanimously expected The bank now appears to have a neutral bias with the Governor delivering a balanced Statement to accompany the decision The Statement focuses largely on developments in the global economy Just one out of Read more Back to Top Mortgage growth stalls On June 1 2010 Finance News Leave a comment Rising home loan interest rates look as though they are finally taking their toll on home buyers as demand for mortgages grinds to halt According to the latest data from the Australian Prudential Regulation Authority APRA the value of owner occupied housing loans held by the banks Read more Back to Top RBA on hold inflation now in focus On May 31 2010 Finance News Leave a comment sales housing finance even employment growth We also expected that the May rate move would see mortgage rates reach a sensitivity point where Consumer Sentiment which had been remarkably resilient to the previous moves would start to react The 7 fall in the Index confirmed that Read more Back to Top Home Loan Interest Rates May Drop On May 25 2010 Finance News Leave a comment once the May rate hike was delivered April 30 Bloomberg poll 24 forecasters Westpac only forecaster with rates at 4 5 by year s end That was because we had already seen a slowing in the interest rate sensitive parts of the economy retail housing finance employment growth and we expected a Read more Back to Top Banks pounce on interest rate hike On May 6 2010 Finance News Leave a comment RBA s sixth hike in eight

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  • the bank Archives « Page 7 of 7 « Formula 1 Finance Formula 1 Finance
    economic environment the RBA s forecast of 2 25 for core inflation now seems ambitious The output gap is closing labour market pressures are emerging risking wage rise and there is seemingly limited further upside to the Australian dollar to keep imported inflation low We expect Read more Back to Top Majors to undercut RBA On January 27 2010 Finance News Leave a comment Interest rates are predicted to rise by 1 percentage point this year however the majors are expected to absorb 0 3 per cent of that a new report from Access Economics has found According to research by Access Economics macro economist Chris Richardson the majors will undercut a Reserve Read more Back to Top Westpac Flex market share muscle On January 19 2010 Finance News Leave a comment released information late yesterday saying We are reducing our maximum Loan to value ratio LVR for new to bank customers to 87 This is a very clear indication that the bank is only seeking the best quality customers However if you are an existing customer the Read more Back to Top Westpac increases fixed rates On January 13 2010 Finance News Leave a comment has confirmed yesterday that it will lift interest repayments on its fixed rate mortgages by as much as 0 25 per cent Westpac senior media relations manager Jane Counsel told Mortgage Business that higher funding costs and market rate movement had forced the bank to lift its Read more Back to Top Banks warn of higher funding costs On January 12 2010 Finance News Leave a comment New regulatory requirements and intensifying competition may drive up funding costs for the big banks in the year ahead Treasurers of the big four told The Australian Financial Review that while pricing in global markets had eased

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  • interest rates Archives « Page 3 of 15 « Formula 1 Finance Formula 1 Finance
    per cent in April Overall advertisements are now approximately 1 7 per cent below the level of April 2011 Sustained uncertainty by consumers and businesses and an expectation Read more Back to Top RBA cuts interest rates 50bp On May 1 2012 Enconomy Finance News Financial goals House prices Inflation Interest rate Wealth Comments Off The Reserve Bank of Australia RBA has cut the official cash rate in its May Board meeting today following weaker than expected inflation data The Board thought it was prudent to cut the official cash rate 50 basis points to 3 75 per cent after headline inflation turned 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 It seems like Westpac are betting on the RBA to drop the official cash rate It also gives some cover for Westpac to pass on less than the full cash rate reduction by pointing to these discounts and fixed rate cuts Lenders are getting more creative Read more Back to Top 2011 housing down by almost 10pc On April 19 2012 Budget Enconomy Finance News Government banking reform House prices Inflation Interest rate Comments Off 20 per cent of total renovations activity fell by 2 1 per cent over the quarter The overall value of work done in total over the 2011 calendar year was down by almost 10 per cent Things are just getting worse for both new housing and major alterations Read more Back to Top RBA Leaves Rate Unchanged On April 3 2012 Enconomy Financial goals Home loan product Interest rate Wealth Comments Off source of adverse shocks for some time yet In Australia growth in domestic demand ran at its fastest for four years in 2011 driven by private spending Nonetheless the balance of recent information suggests that output growth was somewhat below trend over the year There are 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 if you ve overcapitalised on your loan If your variable rate falls you may be making lower repayments than if you had fixed your rate but if the variable rate rises your monthly repayments increase When choosing a variable it s important to plan for the possibility of Read more Back to Top Price Bubble Debunked On March 16 2012 Enconomy Finance News Financial goals House prices Wealth Comments Off talk of a housing price bubble ANZ research shows there is little chance of a housing market crash this year The bank forecasts prices to remain on hold or fall slightly but not crash In its recent property market assessment ANZ argues that gains in house Read more Back to Top Rates on hold On March 6 2012 Finance News Inflation Interest rate Wealth Comments Off pace this year but does not suggest that a deep

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  • interest rates Archives « Page 4 of 15 « Formula 1 Finance Formula 1 Finance
    Australia s majors jumped into action passing the full rate cut on to their borrowers Westpac was the first of the majors to move officially cutting its standard Read more Back to Top 0 25 rate cut on Cup day you can bet on it On October 10 2011 Australian Dollar Enconomy Financial goals Inflation Interest rate Wealth Comments Off Reserve Bank of Australia RBA interest rate form guide over the past five years has shown that it has moved to adjust the official cash rate 18 times since November 2006 Interestingly over the past five years there has been an interest rate adjustment on every Read more Back to Top RBA should reduce interest rates now On October 4 2011 Enconomy Finance News Financial goals House prices Inflation Interest rate Wealth Comments Off expect the Reserve Bank to lower interest rates over the year ahead On timing the December meeting is likely to see the start of the easing cycle The RBA discussed raising interest rates at their August meeting Much has happened since then Global events are moving quickly Read more Back to Top NAB Predicts Interest rates on hold until mid 2012 On August 29 2011 Enconomy Finance News Financial goals Home loan product Inflation Interest rate Wealth Comments Off The National Australia Bank has adjusted its expectations for the timing of future movements in the official interest rate According to a statement by the bank s chief economist Alan Oster NAB now expects a considerable period of inaction by the RBA NAB still however continue to expect Read more Back to Top Interest Rates to hold On August 17 2011 Enconomy Finance News Financial goals Home loan product Inflation Interest rate Wealth Comments Off While I have been in the camp of predicting the RBA will move to lower rates before Xmas in reading their minutes from the August board meeting I actually think unless the world totally goes to cactus they will simply hold cash rates at 4 75 The RBA Read more Back to Top CBA slashes fixed Interest rates On August 9 2011 Enconomy Financial goals Interest rate Wealth Comments Off The Commonwealth Bank now leads the major banks in fixed rate home loans following a decision to slice up to 60bps off its fixed rate products Fixed rates for one to five year products will range from 6 59 per cent to 6 99 per cent Wholesale fixed rates 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 consistent with the reality of the two speed economy Despite a strong mining sector which is supported by robust commodity prices and a pipeline of capital expenditure investment the rest of the domestic economy particularly retail sales due to consumer conservation and high savings rates remains very weak Read more Back to Top Home sales plummet On August 2 2011 Enconomy Finance News Financial goals House prices Inflation

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  • interest rates Archives « Page 5 of 15 « Formula 1 Finance Formula 1 Finance
    on that outlook such as the capex expectations has highlighted the challenge from the mining boom remains The reserve bank would be extremely brave to raise interest rates Read more Back to Top Housing shortage continues On April 4 2011 Enconomy Financial goals Government banking reform Inflation Interest rate Wealth Leave a comment are calling on the federal government to resolve the growing housing shortage problem The housing starts are expected to drop by 15 per cent in 2011 wiping out a majority of the short lived stimulus driven gains of last year The fate of residential building in 2011 Read more Back to Top New home sales still slow On March 30 2011 Enconomy Financial goals Government banking reform House prices Inflation Interest rate Wealth Leave a comment month of January The risk was for a weaker result than what we saw for January Nevertheless new home sales are running at volumes considerably below those experienced during the stimulus driven run of 2009 and early 2010 while both local government building approvals and new housing Read more Back to Top Lenders battle over fixed interest rates On March 15 2011 Enconomy Home loan product Inflation Interest rate Leave a comment Competition amongst the banks is heating up in the fixed rate arena with ANZ the latest to announce changes to its two year fixed loans Last week ANZ became the third lender in as many days to slash its rates cutting its two year fixed rate by 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 Westpac cuts fixed interest rates On March 9 2011 Home loan product Interest rate Wealth Leave a comment The war between Australia s major lenders shows no signs of abating with Westpac slashing rates across a number of its mortgages Yesterday the major announced its plans to cut the interest on its two three four five and 10 year home and investment property fixed loans The Read more Back to Top Fixed interest rate demand falls On March 7 2011 Bank Profits Home loan product Interest rate Leave a comment spate of attractive variable rate promotions from Australia s largest lenders has resulted in reduced appetite for fixed rate mortgages Demand for fixed rate products fell last month the first fall since July 2010 The appetite for fixed interest rates is now at its lowest since October Read more Back to Top Property values are one the increase On March 4 2011 Enconomy House prices Interest rate Wealth Leave a comment home sales grew modestly last month suggesting the property market is on track for

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  • interest rates Archives « Page 10 of 15 « Formula 1 Finance Formula 1 Finance
    Bank of Australia RBA to show some Read more Back to Top RBA maintains neutral stance On June 2 2010 Finance News Leave a comment a little weaker than the RBA s last forecasts released in May which had GDP growth accelerating to 3 75 over the year to June 2011 That said the RBA s inflation forecasts which is for inflation to be in the upper half of the target zone over 2010 11 still Read more Back to Top Home Loan Rates on hold for now On June 1 2010 Finance News Leave a comment three consecutive rate rises the RBA has decided to leave the official cash rate on hold The RBA has raised official interest rates six times since last October taking the official cash rate from the historic lows of 3 per cent to what the central bank Read more Back to Top Mortgage growth stalls On June 1 2010 Finance News Leave a comment home loan interest rates look as though they are finally taking their toll on home buyers as demand for mortgages grinds to halt According to the latest data from the Australian Prudential Regulation Authority APRA the value of owner occupied housing loans held by the banks Read more Back to Top RBA to hold rates brokers On May 26 2010 Finance News Leave a comment struggling under rising rates can breathe a sigh of relief with the RBA expected to keep home loan interest rates on hold for the next few months AMP Capital Investors chief economist Shane Oliver told The Adviser that while he expects to see more upside in Read more Back to Top Home Loan Interest Rates May Drop On May 25 2010 Finance News Leave a comment for some time that interest rate sensitive parts of

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  • interest rates Archives « Page 15 of 15 « Formula 1 Finance Formula 1 Finance
    thinking Read more Back to Top Residential Construction Outlook Low rates and stimulus to boost construction On January 6 2010 Finance News Leave a comment growth driven by net migration is assumed to remain high The after effects of the 50 year low in mortgage rates and the First Home Owner Boost should see new housing construction rebound strongly over the next few years We expect dwelling commencements to be around the Read more Back to Top Interest Rate Outlook RBA rate rises likely through 2010 On January 4 2010 Finance News Leave a comment RBA looks set to lift the cash rate to 4 25 in QI and to 5 0 by the end of 2010 as activity lifts The world economy is improving as interest rates stay low and financial markets are starting to work properly again Australia s unemployment rate has Read more Back to Top Double digit growth for housing in 2009 On January 3 2010 Finance News Leave a comment gap is being filled by upgraders and investors who are much less sensitive to rate rises and the level of stimulus We expect this trend to continue in 2010 However most analysts are predicting that house price growth will taper back to more modest single digit Read more Back to Top Page 15 of 15 First 11 12 13 14 15 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

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