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  • CBA slashes fixed Interest rates Formula 1 Finance
    CBA have been quick to pass these benefits onto our customers The move follows a host of other lenders including Westpac St George and Citibank which have cut pricing on their fixed rate products prompting speculation over the Reserve Bank s next rate announcement Is this a sign that the variable interest rate will drop I think so 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 August 9 2011 Enconomy Financial goals 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

    Original URL path: http://www.formula1finance.com.au/interest-rate/cba-slashes-fixed-interest-rates/ (2014-01-04)
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  • Westpac has cut interest rates on its fixed rate home loans by up to 20 basis points. Formula 1 Finance
    its Home and Investment Property Loan for two to 12 year fixed rates effective today The two and three year fixed rate products will see a 20 basis point decrease while the four through 12 year products have been cut by 10 basis points Westpac stated that the reduction gives them the leading rate among the majors for two and three year fixed loans Westpac slashed fixed rates because of an easing of the bank s cost of funds for fixed rate products The uncertainty surrounding future RBA rate decisions could lead some consumers to consider locking in their rates Given the current environment of uncertainty surrounding the future direction of RBA moves it is a good time for customers to consider fixing a portion of their loan 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 28 2011 Finance News 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 20 21 22 23 24 25 26

    Original URL path: http://www.formula1finance.com.au/finance-news/westpac-has-cut-interest-rates-on-its-fixed-rate-home-loans/ (2014-01-04)
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  • Fixed rate mortgage Formula 1 Finance
    repayments I have seen over the last couple of months a growing demand for this loan type and I d say this will continue as we head into an environment of rising variable rates I do find it interesting that it s taken so long for this trend to get a roll on Given all the talk about expected cash rate increases over the next year or so Of course fixed term loans are more restrictive and can incur significant break fees so that could be a deterrent To select a fixed rate rate home loan borrowers are sacrificing greater flexibility for the peace of mind that can come with guaranteed steady home loan payments I am still a great believer in spreading the risk and maybe part fixed and part variable might be a better option if you have surplus income to allow you to pay off as much as you can in the shortest time frame 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 October 5 2010 Interest rate Leave a comment 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

    Original URL path: http://www.formula1finance.com.au/interest-rate/fixed-rate-mortgage-demand/ (2014-01-04)
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  • Fixed rate home loans to make a come back « Formula 1 Finance Formula 1 Finance
    rate home loan Fixed rates are currently becoming very reasonably priced Lenders have seen that there is a market there and they are slashing their rates accordingly Which fixed rates offered is the best value I d most certainly have a look at a three year rate If you opt for a 3 year rate bear this in mind you may find yourself looking at a higher variable rate when your fixed rate matures if the economists finally get something correct All the data to hand suggests the economy will continue to improve which means interest rates and property values will increase too Yesterday Bankwest slashed 44 basis points off its three year fixed rate product taking it to 6 94 per cent The bank bill swap rate has come down significantly giving lenders the ability and reason to slash the pricing on fixed rate products 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 10 2010 Finance News Leave a comment 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

    Original URL path: http://www.formula1finance.com.au/finance-news/fixed-rate-home-loans-to-make-a-come-back/ (2014-01-04)
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  • Mortgage growth stalls « Formula 1 Finance Formula 1 Finance
    latest data from the Australian Prudential Regulation Authority APRA the value of owner occupied housing loans held by the banks and other lenders grew by just 0 3 per cent in April The stunted growth figure follows a 1 per cent expansion in both March and February And despite strong signs to suggest competition is filtering back the big four continue to dominate the home loan market for owner occupiers accounting for 83 per cent of all mortgage held by home owners in April Westpac currently holds the lion s share of the market writing 27 per cent of owner occupier home loans CBA is not too far behind with 25 per cent of the market while ANZ and NAB account for 15 5 per cent and 14 per cent respectively Source The Adviser 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 1 2010 Finance News Leave a comment 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/mortgage-growth-stalls/ (2014-01-04)
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  • Property still a sound investment Formula 1 Finance
    decade values have appreciated at a much slower rate over the most recent five years as housing market conditions have changed and capital growth has slowed Additionally since late 2010 the Australian housing market has been comparatively weak with home values falling by 6 5 per cent across the combined capital cities since the market peaked Buyers who purchased a home since this time have in many instances seen the value of their home move below the contract price Analysis has revealed that 5 9 per cent of Australian homes are currently valued at less than or equal to the price at which they were purchased 0 5 percentage points higher than at the end of the March 2012 quarter But at the other end of the spectrum about 41 per cent of Australian homes are worth more than twice what their owners originally purchased them for highlighting that many home owners have recorded a significant increase in the value of their home Moving forward property will continue to be a key investment tool for Australians especially as just 2 9 per cent of homes purchased before 2008 are now worth less than or the same as their purchase price 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 24 2012 Enconomy Financial goals House prices 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

    Original URL path: http://www.formula1finance.com.au/house-prices/property-still-a-sound-investment/ (2014-01-04)
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  • RBA cuts rates Formula 1 Finance
    the second month in December failed to surprise the industry with the majority of economists forecasting another rate cut I was was not surprised by the rate cut particularly given everything that has been happening in the housing market The rate cut should not come as a surprise from a housing market perspective considering the soft market conditions that first became evident in June of last year have created no inflationary pressures and have persisted Capital city home values are down four per cent from their December 2010 peak and rental rates have increased by just 4 6 per cent over the 12 months to September The two interest rate cuts over the last two months will be a welcome improvement to anyone with a mortgage Hopefully this will lead to an uplift in housing transaction volumes which are currently tracking about 10 per cent below the five year average nationally 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 6 2011 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

    Original URL path: http://www.formula1finance.com.au/finance-news/rba-cuts-rates/ (2014-01-04)
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  • House Prices Formula 1 Finance
    caused home values to slump in the second last month of 2010 Home prices in Australia s capital cities sunk by 0 2 per cent in November making home values lower now than the levels reached in March 2010 I suspect the RBA s decision to lift the official cash rate was one of the key drivers of the soft landing in Australia s housing market With the major banks increasing interest rates above the RBA this has only added to the problem Since their peak in May 2010 capital city home values have fallen by 1 0 per cent in raw terms on the back of interest rate hikes It appears the property market is in for another year of minimal growth Great news if you are looking to purchase Bad news if you are a home owner 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 January 4 2011 House prices Leave a comment 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

    Original URL path: http://www.formula1finance.com.au/house-prices/housing-market-soft/ (2014-01-04)
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