Ask Alan, Blog and Articles...
The game is up – The great bank RIP OFF is over.
Since the day ASIC reported back on a finding from the Royal Commission on charging older loyal clients more than new ones, I have refused to take a backward step on this issue… Because it represents the worst possible example of bank behaviour. In a related article...
On rates – an update on my February comments
Banks and Commentators alike are saying again; “The next move on rates is UP - You must lock in now!” What complete twaddle! (Commentators are still feeling the need to say something to fill editorial space, and banks are still saying things out of complete...
How to choose the right lender – inside information from a mortgage broker
Amidst surging interest in property, there are record enquiries for loans. The Reserve Bank reiterates again that it will not be raising the cash rate until unemployment has a 4.x% on it and inflation has a 2.x% on it. (The Australian Sat 8th May) The Government...
Investing in Property: What this property boom really teaches us…
Not long ago, regulators’ forced banks to cut back on investment loans. That period has passed, and this presents a new opportunity for investors. If you are 30 and buying for the first time, if you are 40 and shifting house, if you are 50 and know you need to invest...
Rates in 2021
Banks and Commentators alike are saying this week; “The next move on rates is UP - You must lock in now!” What complete twaddle! (Commentators are back at work after the holidays and feel the need to say something to start the year, banks however, are saying...
Property Bloodbath…Journalists do love a headline…
Last year when Covid hit there were predictions of gloom and doom for property – and they were well founded to an extent… BUT… Two things altered the course of events. The Government intervened with Jobkeeper to cushion the blow of Covid Lockdowns.The Reserve Bank...
Best Interest Duty
On January 1st new legislation for brokers comes into play – it is called Best Interest Duty. So, how do you actually find a broker who will act in your best interests? It is a sad comment on an industry of which I have been a part for 23 years, with multiple awards...
Rates – Where to?
As of Tuesday, the Reserve Bank Cash Rate is at 0.1%, The Reserve Bank also announced it will buy Australian Govt 3, 5 and 10 year bonds to keep them at their desired target of 0.1%. So, if banks can be profitable with an interest rate margin of 1.8%-2.2% - then your...
House Price Leads the Way to Recovery
Yes – you heard that correctly. Since January this year only Melbourne and Perth house price trends are negative. Sydney - up 1.8% Brisbane - up 2.1% Adelaide - up 3% Melbourne and Perth have their own temporary Covid issues. The interest rate on your home loan should...
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