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Are there any benefits to making additional repayments on your home loan?

10 October 2023

As life gets more and more expensive, it can be hard enough making ends meet let alone considering making additional repayments on your home loan. Let’s face it – it feels like could the money be put to better use than on a home loan where you’re already making the

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Are you a mortgage prisoner?

3 October 2023

What is a mortgage prisoner? A mortgage prisoner is someone who finds themselves trapped in their current mortgage deal and is unable to remortgage or switch lenders due to various reasons, such as changes in financial circumstances or stricter lending criteria. How does it happen? Australia’s mortgage market has undergone

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Making home equity work for you

26 September 2023

When you enter the property market or transition from your first home to another property, it’s important to pay attention to the value of your house, townhouse, or apartment. The equity in your home is the difference between the current value of the property and what you still owe on

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Working out how much to borrow when buying property

19 September 2023

The Reserve Bank of Australia (RBA) increasing official interest rates 12 times since May last year – taking the cash rate from a record low 0.1 per cent to 4.1 per cent – has not only had an impact on existing mortgage holders but made life more difficult for those

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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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