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The Pros and Cons of Extending Your Loan Term: Is It Worth It?

26 March 2024

When faced with financial challenges or the need for extra cash flow, many individuals contemplate extending the term of their loans. However, this decision should not be taken lightly, as it can have long-term implications on one’s financial well-being. Extending the loan term may provide temporary relief by reducing monthly

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The Waiting Game: Anticipating the Next Interest Rate Call

18 March 2024

Determining when the next interest rate call will be made is a topic of great interest for individuals and businesses alike. The decision made by the RBA regarding interest rates can have far-reaching implications on various aspects of the economy, including borrowing costs, investment decisions, and consumer spending. While it

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Taking Control of Your Financial Destiny

12 March 2024

In today’s world, having a will and genuine savings can pave the way for a secure future. A will is a legal document that outlines how a person’s assets will be distributed after their death, ensuring that their wishes are respected. Meanwhile, genuine savings refer to the act of setting

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Instant asset write off has been extended, what this means for you

5 March 2024

To provide much-needed support for businesses during challenging times, the government has extended the Instant Asset Write-Off scheme. This initiative, allowing businesses to immediately deduct the cost of eligible assets, offers relief and encourages investment. Stimulating Economic Recovery: The extension of the Instant Asset Write-Off is part of the government’s

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Citi Bank Fixed Rates with Mortgage Plus 2-year Fixed rate has an interest rate of 2.19% p.a. (comparison rate 3.12% p.a.). Fixed Rate loans must be combined with Standard Variable/Standard Variable Offset (Owner Occupier and Investor) to be eligible for Mortgage Plus. Fixed rate quotes are held 60 days from the day the application is submitted. If settlement occurs after 60 days, the prevailing fixed rate will apply. Fixed rates revert to the Standard Variable rate at the end of the fixed term. Comparison Rate calculated on a loan amount $150,000 over a term of 25 years based on monthly repayments. WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. Lenders Mortgage Insurance is applicable for loans with an LVR over 80%, unless the option LVR between 80.01%-85% (Without LMI) is selected. Loans with LVR between 80.01%-85% (Without LMI) are not available to non resident loans or loans where income is declared for loan assessment is in a foreign currency. For all loans over LVR 80% principal and interest repayment is required. IMPORTANT: The Comparison Rate applies only to the example given. Different amounts and terms will result in different Comparison Rates. Costs such as redraw fees, early repayment fees, and cost savings such as fee waivers, are not included in the Comparison Rate but may influence the cost of the loan.

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