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  • Bank fees Archives « Formula 1 Finance Formula 1 Finance
    could have negative ramifications for brokers It is hard to tell what impact any banking reforms would have on brokers until they are formally introduced the government s plan to slash mortgage exit fees could force lenders to recoup these costs elsewhere Read more Back to Top Banks cost of funds just an excuse On November 17 2010 Bank fees Bank Profits Inflation Interest rate Leave a comment A new report has found the banks interest expenses have risen by less than the RBA s rate hikes According to the Australian Institute report the major banks have been profiteering by lifting rates above the RBA s official moves All the major banks have consistently claimed that their Read more Back to Top Refinancing could be costly On November 16 2010 Bank fees Interest rate Leave a comment Mortgage holders should carefully weigh up their options before shifting to a rival lender All the controversy over interest rate hikes and bank fees has resulted in an increase in refinancing enquiries Those considering a change need to investigate all of the costs associated with refinancing My Read more Back to Top 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

    Original URL path: http://www.formula1finance.com.au/bank-fees/ (2014-01-04)
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  • First Home Buyer Archives « Formula 1 Finance Formula 1 Finance
    sector The number of home loan approvals in June rose 2 7 per cent to 51 001 the Australian Bureau of Statistics said on Wednesday beating economists expectations of a Read more Back to Top Little doubt market is in upswing On August 1 2013 Budget Enconomy Finance News Financial goals First Home Buyer House prices Inflation Interest rate Wealth Comments Off While this year s winter months saw a lull investors can still expect a positive market surge through the next couple of seasons The resurgence of investors record low interest rates the best level of affordability since 2007 and increased sales listings the expectation is of increased sales and upward Read more Back to Top Rents outstrip home value growth On July 29 2013 Enconomy Finance News Financial goals First Home Buyer House prices Inflation Rental Growth Wealth Comments Off According to RP Data s latest property pulse since the end of 2007 combined capital city home values increased by 13 4 per cent which compares with a 32 1 per cent increase in rental rates Rental rates increased at more than double the rate of home values over this Read more Back to Top Rent Or Buy Which Is Better On July 8 2013 Finance News First Home Buyer House prices Rental Growth Wealth Comments Off If there s one topic that s bound to cause debate it s whether you are better off buying or renting a home Although the debate has been around for decades the climate of low interest rates and rising rents has once again stirred discussion Numerous studies have attempted to Read more Back to Top Tips for Buying at Auction On July 6 2013 Finance News Financial goals First Home Buyer Home loan product Wealth Comments Off The property you want is up for auction and you are determined to buy it What can you do to ensure yours is the winning bid 1 Attend at least 12 other auctions It will take at least this many auctions to familiarise yourself with the process Read more Back to Top Financial Planning Competency Handbook On May 14 2013 Finance News Financial goals First Home Buyer Wealth Comments Off Whether you re studying to become a financial planner preparing for the CFP exam or a practitioner looking for a comprehensive reference to help serve your clients needs this is the ultimate guide Developed by Certified Financial Planner Board of Standards Inc CFP Board the Financial Planning Competency Read more Back to Top Lenders offer FHBs helping hand On January 24 2013 Financial goals First Home Buyer Comments Off First home buyers should be able to jump on the property ladder sooner rather than later thanks to recent changes by some lenders to their guarantor requirements Several of Australia s lenders have amended their Family and Security Guarantee Loans in recent months removing certain restrictions for guarantors Read more Back to Top Credit Rating Uncovered On November 29 2012 Finance News Financial goals First

    Original URL path: http://www.formula1finance.com.au/first-home-buyer/ (2014-01-04)
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  • Government banking reform Archives « Formula 1 Finance Formula 1 Finance
    quarter for new housing in December 2011 New residential building work fell by 1 7 per cent in the December 2011 quarter to be down by 7 7 per cent when compared to the year before Meanwhile the value of major alterations 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 Economists 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 New home sales in February 2011 failed to materially improve on an encouraging start to the year seen in the thin trading 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 Read more Back to Top Majors slam proposed govt reforms On March 8 2011 Enconomy Government banking reform Interest rate Leave a comment Westpac s chief executive Gail Kelly has slammed the government s proposed ban on exit fees as poor public policy In an interview with The Australian Ms Kelly said the abolition of exit fees would only make it harder for smaller lenders to compete Ms Kelly said that while the Read more Back to Top Banking reforms bad news for brokers On December 14 2010 Bank fees Government banking reform Leave a comment Treasurer Wayne Swan s proposed banking reforms could have negative ramifications for brokers

    Original URL path: http://www.formula1finance.com.au/government-banking-reform/ (2014-01-04)
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  • Technology Archives « Formula 1 Finance Formula 1 Finance
    Your credit rating is an important factor that lenders use to determine your suitability as a borrower so being able to easily access your credit report as Read more Back to Top Technology Trends On April 3 2012 Finance News Financial goals Home loan product Technology Wealth Comments Off Just as the fax machine has been relegated to dinosaur status so too will email be considered old hat Analysts predict that 2012 will see technologies become more social more connected and increasingly voice controlled Embracing the rapid movement in technology is not always easy but investing Read more Back to Top 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

    Original URL path: http://www.formula1finance.com.au/technology/ (2014-01-04)
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  • December 2013 « Formula 1 Finance Formula 1 Finance
    of the year With a steady economy and coming into the holiday season the RBA has decided to keep the cash rate on hold at 2 5 per cent Economists were largely unsurprised Read more Back to Top Banks Mining Towns and Rental Yields On December 3 2013 Bank Profits Budget Enconomy Finance News Financial goals Home loan product Inflation Interest rate Rental Growth Wealth Comments Off We ve all read those adverts in the industry magazines and publications You know the ones touting super high rental yields on average houses or townhouses in a far flung mining town So it was a kick in the teeth for those developers and marketers recently when Read more Back to Top Houses outperform units in capitals On December 2 2013 Enconomy Finance News Financial goals House prices Inflation Interest rate Wealth Comments Off Detached houses have now overtaken units as the best performers across the capital city property markets according to new data RP Data s Property Pulse reveals that across Australia s combined capital cities over the 12 months to October houses grew in value by 8 2 per cent as opposed Read more Back to Top 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 December 2013 M T W T F S S Nov 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15

    Original URL path: http://www.formula1finance.com.au/2013/12/ (2014-01-04)
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  • Housing outlook solid to 2016 Formula 1 Finance
    experience a rising oversupply of housing with dwelling commencements in 2012 2013 outweighing underlying demand in these areas According to the report housing affordability has improved in nearly all capital cities to its best level since the early 2000s outside of the brief period of low interest rates during the global financial crisis The increase in affordability is a result of the 225 basis point reduction in the cash rate and corresponding fall of 188 basis points in the average variable rate from 7 8 per cent to 5 92 per cent The report states a combination of the August cut in interest rates and further income growth will largely offset any expected improvement in price growth over 2013 2014 with affordability in most cities remaining relatively stable over the year BIS Shrapnel managing director Robert Mellor said he expects interest rates have reached the bottom of the cycle and are likely to remain on hold for the next 12 to 18 months unless housing price growth spikes drastically We don t think there will be another drop in the cash rate so the 2 5 per cent will stay and the standard variable of 5 9 per cent is likely to stay until around the March to June quarter 2015 We are talking about 15 to 18 months at least of interest rates remaining at current levels before we start to get a bit of an interest rate rise 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 16 2013 Enconomy Finance News Financial goals House prices Inflation Interest rate

    Original URL path: http://www.formula1finance.com.au/finance-news/housing-outlook-solid-2016/ (2014-01-04)
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  • Property is very positive Formula 1 Finance
    rose 1 3 per cent in the third quarter with capital values showing the biggest increase in NSW 1 9 per cent and Victoria 1 5 per cent The survey also suggests that property professionals are more optimistic in regards to future house price growth National house prices are now tipped to rise 3 3 per cent in the next year and 4 5 per cent in the next two years with stronger outcomes in all states Rental growth across the country sat at 0 2 per cent falling further behind capital growth rates and leaving investors with eroding yields for their properties According to the survey owner occupiers pounced at the opportunity with a big jump in demand during the third quarter First home buyers retreated from the market with demand from Australian investors also slightly lower Capital growth expectations over the next 12 months improved at all price points for established houses and apartments although the top end of the market is expected to languish behind more affordable housing 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 11 2013 Budget Enconomy Finance News Financial goals House prices Inflation Rental Growth 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

    Original URL path: http://www.formula1finance.com.au/finance-news/property-positive/ (2014-01-04)
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  • Property bubble is Rubbish Formula 1 Finance
    20 per cent house price growth in Sydney over a year were nonsense That s not going to happen We don t have the drivers that will instigate that type of house price growth over a year and if we did it would be the second highest ever recorded in Sydney the highest being 22 per cent in 2002 It makes very exciting reading the boom the bubble but it is the boom the bubble and bulldust at this stage and I think we will see a moderation in house price or housing market activity into the New Year given the prospects of a declining economy Any shake up to the economy such as rising unemployment would act as a moderator to house price activity There s no secret that a lot of what s happening in Sydney is being driven by investors We have that flight to yield which is no surprise given the underperforming stock market low deposit rates and house price growth What we are starting to see coming through is a trend of diminishing yields yields in Sydney look to be dropping below four per cent Of course that will be a disincentive for further investor activity so that s one of the stabilising factors that our housing market instigates to correct unsustainable price growth 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 3 2013 Budget Enconomy Financial goals House prices Inflation Rental Growth Wealth Comments Off Comments are closed Finance News RBA rate announcement Banks Mining Towns and Rental Yields Houses outperform units in capitals

    Original URL path: http://www.formula1finance.com.au/house-prices/property-bubble-rubbish/ (2014-01-04)
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