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Exploring Variable vs. Fixed Rate Loans in Depth

Introduction When you apply for a loan, you often have the opportunity to select a loan with a variable interest rate or one with a fixed interest...

What the Reserve Bank of Australia (RBA) data says about interest rates

Below are some observations as reflected from the data obtained from the RBA for the 12-month period ending 31 August 2020. Whilst both the absolute numbers and...

Insights on Home Loans: Key Factors to Consider

The marketplace – The consumer lending marketplace, especially in home loans and residential lending, is vast and perplexing. – Apart from the big 4 retail banks (CBA,...

Quick Summary of Interest Rates and lenders fees and charges

At its simplest level, there are 2 types of interest rate products available for the housing loan market in Australia – Variable Interest Rate products Vs Fixed...

A Deep Dive into the NCCP’s Required Comparison Rates

Introduction Commonwealth legislation requires that for every home, car or personal loan advertised, a comparison rate has to be quoted. But lenders also have to include a...