• 21/09/2020

Category: Guest Contributor – Graeme Salt

Is this a window of opportunity for property?

Is this a window of opportunity for property?

The property market is rapidly approaching crunch time – where there will be multiple winners and losers. The end of this month is D-Day for the 450,000 borrowers who deferred home loan payments.  Some will…

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Reserve Bank Research: Competition Forces Banks to Reduce Rates

Reserve Bank Research: Competition Forces Banks to Reduce Rates

Reserve Bank analysis shows that more Australians are getting a better deal on their home loans, despite banks being under fire for not passing on interest rates in full. That is because lenders are forced…

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This Time it’s Different

This Time it’s Different

The recent property downturn was unique – and this period of growth is unique too. For the first time, the recent downturn was driven by changes to credit policy (not interest rates or unemployment). Similarly,…

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Welcome to a whole new world of mortgages

Any property buyer can tell you that the lending world has changed. But, changed lending criteria driven by the Australian Prudential Regulation Authority (APRA) is superficial compared to what is about to happen due to…

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The Price is Always Right

Remember the days when borrowers were eagle-eyed to rate changes on the first Tuesday of the month?  Now, the interest rate world is very different. Two years ago, whenever the Reserve Bank met and changed…

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Welcome to the Brave New World

Welcome to the Brave New World

‘The heavy lifting has been done’ according to APRA and the banks’ lending practices are now on a sounder footing. ·       With many of APRA’s speed bumps now removed, does that mean that there will…

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