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Folder Home Loans - Interest Rates

Home Loans - Interest Rates

These articles explain different aspects of interest in relation to mortgages.

Documents

HLIR021 Fixed rate mortgage expiring... Now what? (576 words)

Description

This article outlines a range of strategies to assist with navigating the upcoming expiry of a fixed rate home loan period, so that your mortgage continues to be competitive and well-suited to your needs. It closes with a recommendation to seek assistance from a qualified mortgage broker.

HLIR020 The variables of a variable home loan (460 words)

Description

Is fixing your home loan interest rate the right move for you? This article explains the implications to be considered before jumping in and fixing your rate. Recommendations to seek professional advice from a mortgage broker are included.

HLIR019 How interest rate changes affect your mortgage (512 words)

Description

This article discusses the importance of understanding your home loan interest rates and how interest rate changes affect your mortgage. It includes a formula to calculate your home loan repayments and concludes with a recommendation to seek the assistance of a mortgage broker.

HLIR018 Interest Rates 101 (700 words)

Description

This article provides a step by step explanation on what affects interest rates in Australia and how this flows on to mortgagees. A great article to utilise after an interest rate rise.

HLIR017 What happens when interest rates increase? (546 words)

Description

Borrowers are currently indulging in record low interest rates, but what happens when rates start to rise, and mortgage repayments become unmanageable? This article discusses interest rates of the past and uses a case study to show the importance of stress testing a loan.

HLIR015 You might be surprised at what really drives interest rates (613 words)

Description

Why do banks decide to increase or decrease interest rates and who influences their decision? This article explains as simply as possible what drives interest rates and may assist clients’ with the age-old question: “do I lock in a fixed rate, or opt for a variable rate?

HLIR014 The relationship between interest rates and housing affordability (573 words)

Tagged in Mortgage

Description

This article uses a comparison between 2011 and 2020 to determine the effect of falling interest rates on average property prices in Australia. It also takes into account wage changes over that time and what could lead to mortgage stress. It recommends prior advice.

HLIR009 Fixed? Variable? Or both? (444 words)

Description

An article that clearly explains the pros and cons of fixed and variable rate loans.

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