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The Importance of Borrowing Capacity & What It Means

13 May 2021

Whether you’re a first home buyer or property investor, you need to understand what borrowing capacity is, and why it is so important. Borrowing capacity is basically the amount of money that a lender will loan to you to buy a property. It is crucial that as a buyer, you

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How to Get a Home Loan if You’re Self-Employed

6 May 2021

Acquiring a home loan can be quite difficult, especially for those self-employed. Instead, many lenders are looking to see a stable employment record. As a self-employed individual applying for a home loan, you’ll need to provide tax returns and letters from your accountant to meet most lenders’ expectations. Furthermore, these

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Financing Your Next Vehicle

29 April 2021

Financing your next car may seem like a daunting task, only second to buying a house. To successfully meet your vehicle financing goals, you need to consider what options are available, the requirements and how much it’s going to cost. In saying this, keep reading to find the different ways

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Fixed mortgage rates set to rise in coming months: experts

22 April 2021

According to ANZ Bank, property prices are expected to rise by 17% in 2021 and mortgage rates are also set to increase much sooner than expected. The Reserve Bank has clarified that the official cash rate isn’t likely to increase for a few years, but experts believe that fixed mortgage

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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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