Interest rates are at a historical low and fixed-rate loans are growing in popularity as borrowers look to lock in before rates do an about-turn and start to go back up. At the moment the average three-year fixed-interest rate is 5.10%, 0.34% lower ...
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Giving kids a lump sum of money to help them on their way in life may give you a warm fuzzy feeling (or not) but it is unlikely to boost your pension and you may end up worse off. The rules can be a bit complex but essentially Centrelink counts only ...
Lenders mortgage insurance (LMI) isn't cheap even though default rates in Australia are low. According to the latest Fitch Ratings report on residential loan defaults, "mortgage performance is stable" with delinquency rates of 30-plus days sitting at ...
As competition to write new home loans grows, research from financial comparison site RateCity shows lenders are loosening the belt on lending valuation ratios. The Australian Prudential Regulation Authority (APRA) has already raised its concerns. It ...
There are good reasons why it usually makes sense for members of self-managed superannuation funds to convert their super into tax-free, account-based pensions when they retire. Among them is the fact that deciding in favour of an account-based pension ...
Recovery or boom? The growth in Sydney house prices has become a national talking point. And now the Reserve Bank of Australia (RBA) has put its oar in the water with the governor, Glenn Stevens, saying that low interest rates aimed at boosting business ...
Home loans linked to frequent flyer programs aren't that new - although, with Macquarie Bank having just relaunched a new suite of home loan products that reward you with Qantas points, it looks as if they are back on the radar. You'll earn ...
Self-managed super funds are often under pressure to find assets that will provide them with a steady income in retirement. Part of the solution may lie with listed and unlisted property trusts. These pooled investments give SMSF members access to diversified ...
Hold on to bank statements, because a landmark court case could force banks to pay back all those pesky and excessive "penalty fees". Banks prefer to call them "fees for service" rather than penalty fees, there's a multibillion dollar reason why ...
With house and unit prices rising, particularly in Sydney and Melbourne, investors need to be wary not to pay over the odds to get into the market. This can also be a trap for first-home buyers but it's usually not as critical because their main motivation ...
