No surprises with the LMI providers also bearing the brunt of regulatory changes Australia’s largest provider of lenders’ mortgage insurance...
I wanted to refinance my Bank Australia mortgages from variable IO to 2 year fixed P&I. Now I started doing this on the phone, but it seemed that...
The purpose of this post is to outline how different banks determine your borrowing capacity in 2017. How do lenders calculate your...
Great news today from APRA...
NAB extends crackdown on interest-only home loans
It was generally said and recommended 18-24 months ago that IO @ LVR 88% was the recommended sweet spot to manage the trade off between LMI and...
Assuming recent APRA tightening is geography agnostic, Inviting your opinions on how do you thing will recent serviceability and IO tightening...
Do you think it would be possible(realistic) for a person on $50,000 or less would be able to build a property portfolio in the current lending...
I recently changed PPOR loan to P&I to save the .25% of interest, I have over half of the loan in an offset. My monthly repayment went from $1200...
Some great discussion on the forums since the APRA reforms (e.g. @Eric Wu ("What happens when the Interest Only period expires on your investment...
Every day at the moment there is bad news on the property investment lending front. Seems like everyone is trying to squeeze us humble property...
Investors with existing portfolio appreciate the importance of Interest Only (IO) loan on their portfolio. These IO loans not only reduce holding...
While we have some numpties in parliament bringing lumps of coal and embarrassments like Malcolm Roberts in play, it appears the regulator that's...
So , seeing many here are at the coal face so to speak, it would seem that the way Syd and Mel are going and the amount of investor loans, we may...
This is probably a question for the brokers. Lets say John Smith has a portfolio accumulated pre-APRA. All loans are interest-only for now. He...
Nocookies
I just got a stack of letters from Westpac advising that all of my Rocket investment loans now have a new Reference rate, specifically the "rocket...
Is the dog back on its leash??... that's a joke. We saw max loan amounts fall, changes to LVRs that the banks were willing to wear, changes to...
I recently spoke with my bank (CBA) about commercial property lending (just prior to finding IP2 which is now awaiting settlement) and was...
ABS reports on property for Jan 16: Housing finance: 5609.0 - Housing Finance, Australia, Jan 2016 Building approvals:8731.0 - Building...
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