http://www.ratesonline.com.au/Ratesonline - Valuable resource of information relating to First Home Buyer Grant, First Home Saver Accounts, FAQs for First Home Buyers, Auction Tips,Negotiating a Sale and investing in Property(c) 2012 Ratesonline.com.au. All rights Reserved. This content may not be published or re-used without the express written consent of Ratesonline.com.au.Rusware.comhttp://www.ratesonline.com.au/resources/buying-first-home/do-you-qualify-for-the-first-home-buyer-grant Eligibility for the first home owner's grant from the federal government is applicable to first home buyers buying existing homes and those being constructed. Houses, townhouses, apartments, flats and units all qualify for the grant as long as it we will be your principal place of residence. The grant is issued through each state and whilst some rules differ between them, there are......Thu, 15 Dec 2011 06:55:43 GMThttp://www.ratesonline.com.au/resources/buying-first-home/first-home-saver-accounts Thanks to an Australian Government initiative the release of the First Home Saver Account is making it simpler to buy your first home.  By meeting some certain eligibility and savings criteria not only will your savings be taxed at a lower rate but the Government will also contribute to them. There are a variety of institutions including the ANZ & Commonwealth Bank of Australia who......Fri, 19 Dec 2008 03:28:59 GMThttp://www.ratesonline.com.au/resources/buying-first-home/auction-tips So you have found the home you love and it is going to Auction. Nervous times ahead, especially for the inexperienced.  Here are some tips to help you buy well. 1. Know where you stand financially before looking. No point falling in love with a home that you can't afford.  Do these simple things first:   Use our home loan calculators to establish what......Wed, 14 Dec 2011 03:14:17 GMThttp://www.ratesonline.com.au/resources/buying-first-home/faqs-for-first-home-buyers How much do I need to save for a deposit? This can depend on the type of loan you are looking for and the Institution you are lending from, however as a general rule if buying to live in you will require 5% of the purchase price.  If investing in property ideally 10% of the purchase price is what you need.  It is possible to purchase with less however there will be some......Thu, 15 Dec 2011 07:22:33 GMThttp://www.ratesonline.com.au/resources/refinancing-or-debt-consolidation/top-tips-for-mortgage-reductions  With interest rates increasing again the secret to financial security is making your money work for you. Here are some tips to obtain financial security: Evaluate - review your current financial position comparing your total income against all outgoings. Budget - recording your day to day expenses is the key to financial control. By using your cash flow more effectively you......Thu, 15 Dec 2011 04:29:59 GMThttp://www.ratesonline.com.au/resources/refinancing-or-debt-consolidation/refinancing-basics  There has never been a better time to refinance your home loan especially now as rates have increased and lenders are offering more attractive deals in a bid to win new customers. But whilst it is true that refinancing has the potential to help you reduce the costs associated with borrowing money, it is not necessarily the right strategy in every situation. Refinancing your current......Thu, 15 Dec 2011 07:07:34 GMThttp://www.ratesonline.com.au/resources/buying-first-home/negotiating-a-sale 5 rules for negotiating real estate 1. Do your research on the area and have superior knowledge of the marketplace. Knowledge is power when negotiating.  Research is the key here attend auctions, research recent sales, importantly talk to agents and go to open for inspections; become an expert in the area. Use your superior knowledge of the market combined with facts......Sun, 21 Dec 2008 06:06:52 GMThttp://www.ratesonline.com.au/resources/home-buyer-centre/new-year,-new-ways-to-save-moneyThe New Year provides most people one small luxury - extra time at home. Whether you have one day off or are enjoying an extended summer break, consider using some of your free time towards assessing the health of your financial future. Start the New Year with a financial health check: sort out old paperwork that you have gathered over the year review your yearly budget and start a new......Tue, 11 Jan 2011 05:14:32 GMThttp://www.ratesonline.com.au/resources/home-buyer-centre/home-loans-process The Loan Application Process 1. Interview During the interview(s), we will discuss and help you to select the most appropriate product and lender that best suits your needs. Once the most appropriate lender and loan product has been selected, the loan application process begins. 2. Loan Application Process Takes 24-48 hours. Your loan application will be lodged with the lender within......Thu, 07 Jan 2010 06:51:36 GMThttp://www.ratesonline.com.au/resources/home-buyer-centre/document-checklist  In terms of the information required this largely depends on the chosen lender and the type of loan you are applying for. Here is a rough guide on what you need to have when meeting a ratesonline broker. The Proper Identification An Australian Passport, Birth Certificate, other passport and Permanent Residency Visa Marriage certificate if applicable Driver's License ......Thu, 18 Dec 2008 11:12:58 GMThttp://www.ratesonline.com.au/resources/about-the-lenders/our-lenders Adelaide Bank The Adelaide Bank is one of Australia's new regional banks formed on 1 January 1994.  Originally the Co-Operative Building Society of South Australia Limited it recently merged with the Bendigo Bank of Victoria.  Today 75 per cent of its loans are outside the state of South Australia. Search and compare Adelaide Bank Home Loans ANZ One of Australia's biggest......Wed, 14 Dec 2011 03:11:34 GMThttp://www.ratesonline.com.au/resources/glossary/glossary-on-home-loans Amortising loan A loan in which the principal and interest will be repaid fully through regular installments by the time the loan's term ends. Application The first step in the official loan approval process; this form is used to record important information about the potential borrower necessary to the underwriting process. Application fee This fee is paid by the customer for......Sun, 08 Jan 2012 22:27:35 GMThttp://www.ratesonline.com.au/resources/glossary/glossary-on-real-estate  Acceptance The agreement of the terms and conditions of the offer by the person receiving the offer. Administrator                          The person to administer the estate of a person who died without a will (intestate).  Appointed by a Probate......Thu, 18 Dec 2008 12:47:29 GMThttp://www.ratesonline.com.au/resources/buying-first-home/tips-for-investing-in-property As with investing in any asset class you should do your homework before jumping in.  Like most things get it right at the start with careful planning and research and a sound strategy can pay off. Choosing the right property in the right location is a sure way to make your investment really work for you. Here are some of the basic tips to help you with property investment. ......Sat, 03 Jan 2009 22:53:50 GMThttp://www.ratesonline.com.au/resources/glossary/tips  Home Loans Tip # 1 Add up all the fees when buying Don't forget to take into account all of the extra fees when you purchase a home, these could include: mortgage insurance, loan application fee, refinancing or switching fees, legal costs, stamp duty, builder's report and a valuation fee.   Home Loans Tip # 2 Additional repayments and the savings Consider lump......Thu, 15 Dec 2011 01:32:14 GMThttp://www.ratesonline.com.au/resources/investing-in-property/negotiating-a-sale-for-an-investment-property Do your research on the area and have superior knowledge of the marketplace. Knowledge is power when negotiating. Research is the key here attend auctions, research recent sales, importantly talk to agents and go to open for inspections; become an expert in the area.  Use your superior knowledge of the market combined with facts and figures to negotiate back and forth until a mutually......Sun, 21 Dec 2008 06:08:26 GMThttp://www.ratesonline.com.au/resources/refinancing-or-debt-consolidation/saving-thousands-from-refinancing  Because circumstances change regularly the attraction of paying less interest on a home loan / mortgage or investment property loan for some is a simple decision.  However when looking at refinancing you should always remember there may be costs involved in paying out your existing loan and establishing a new one.  It is imperative that all the figures be carefully checked......Wed, 01 Feb 2012 03:43:44 GMThttp://www.ratesonline.com.au/resources/home-buyer-centre/buying-off-the-plan Buying off the plan is the practice of purchasing property when the development is still in the planning stage and is awaiting construction. To assist purchasers many developers provide a demonstration unit, brochure and video presentations and importantly sample finishes so they can see what the property will look like.  This display should also outline details such as the layout, the......Thu, 19 Feb 2009 07:03:07 GMThttp://www.ratesonline.com.au/resources/home-buyer-centre/auction-tips So you have found the home you love and it is going to Auction. Nervous times ahead, especially for the inexperienced.  Here are some tips to help you buy well. 1. Know where you stand financially before looking. No point falling in love with a home that you can't afford.  Do these simple things first: Use our mortgage calculators to establish what you can comfortably......Thu, 15 Dec 2011 04:30:43 GMThttp://www.ratesonline.com.au/resources/home-buyer-centre/negotiating-a-sale 5 rules for negotiating real estate 1. Do your research on the area and have superior knowledge of the marketplace. Knowledge is power when negotiating.  Research is the key here attend auctions, research recent sales, importantly talk to agents and go to open for inspections; become an expert in the area. Use your superior knowledge of the market combined with facts and figures to......Sun, 21 Dec 2008 06:32:56 GMThttp://www.ratesonline.com.au/resources/home-buyer-centre/conveyancing This is the process of transferring the legal ownership of property from one person to another. You may do this yourself however it is recommended that you use a solicitor or licensed conveyancer to ensure the transaction runs smoothly and you are protected from the consequences of making a mistake. In choosing a conveyancer or solicitor make sure they have a license and professional......Fri, 19 Dec 2008 01:22:34 GMThttp://www.ratesonline.com.au/resources/glossary/lmi-(lenders-mortgage-insurance)- When borrowing more than the 80% of the value of the property most banks and financial institutions require LMI. This is added to the cost of the loan. Essentially this gives buyers the opportunity to purchase a property with a smaller deposit. As the name suggests mortgage insurance protects the lender if the borrower was to default and the property sells for less than the outstanding balance......Thu, 18 Dec 2008 22:31:47 GMThttp://www.ratesonline.com.au/resources/home-buyer-centre/lmi-(lenders-mortgage-insurance) When borrowing more than the 80% of the value of the property most banks and financial institutions require LMI. This is added to the cost of the loan. Essentially this gives buyers the opportunity to purchase a property with a smaller deposit. As the name suggests mortgage insurance protects the lender if the borrower was to default and the property sells for less than the outstanding balance......Fri, 19 Dec 2008 01:23:17 GMThttp://www.ratesonline.com.au/resources/home-buyer-centre/preparing-for-the-big-move Moving home is a stressful time for all concerned, however to simplify this, here are some tips for the "BIG MOVE".  It all starts with the right preparation. First Steps Choose your removal method either by professionals or do it yourself. Removalist companies not only save the aches and pain but also time and some even do the packing for you. Arrange for time off work, if......Sun, 21 Dec 2008 06:34:33 GMThttp://www.ratesonline.com.au/resources/refinancing-or-debt-consolidation/renovating-and-the-real-costs At some point many homeowners decide to improve their property.  This can be to enhance their lifestyle, improve the value of the property or just simply because their family has grown. Here are some tips to get you started. If you improve your home at an amount much higher than the average property in your area there is a big chance it could become over captalised and harder to recoup......Thu, 19 Feb 2009 06:21:24 GMThttp://www.ratesonline.com.au/resources/investing-in-property/auction-tips So you have found the home you love and it is going to Auction. Nervous times ahead, especially for the inexperienced.  Here are some tips to help you buy well. 1. Know where you stand financially before looking. No point falling in love with a home that you can't afford.  Do these simple things first: Use our mortgage calculators to establish what you can comfortably......Thu, 15 Dec 2011 04:30:18 GMThttp://www.ratesonline.com.au/resources/buying-next-home/building-checklistWhen hiring a builder it is always a good start to ask any friends or associates for referrals.  If none are forthcoming drive around and take down the details of the builder of any new homes that you like.  When buying House & Land, venture into as many display homes and choose something that reflects your taste and style as well as your budget. Here are some quick questions......Thu, 19 Feb 2009 23:42:52 GMThttp://www.ratesonline.com.au/resources/buying-first-home/building-checklist When hiring a builder it is always a good start to ask any friends or associates for referrals.  If none are forthcoming drive around and take down the details of the builder of any new homes that you like.  When buying House & Land, venture into as many display homes and choose something that reflects your taste and style as well as your budget. Here are some quick questions......Fri, 19 Dec 2008 01:32:47 GMThttp://www.ratesonline.com.au/resources/buying-next-home/building-your-own-home Renovating an existing property can sometimes be much harder than starting from scratch.  There are fewer unfamiliarity's and more definite costs.  On the flip side, for homeowners, building from scratch can be more complicated.  Self Building Projects - What's the process... 1. Find a plot 2. Organising a self-build mortgage / Home Loan 3. Secure planning permission......Thu, 15 Dec 2011 07:01:58 GMThttp://www.ratesonline.com.au/resources/buying-next-home/auction-tips So you have found the home you love and it is going to Auction. Nervous times ahead, especially for the inexperienced.  Here are some tips to help you buy well. 1. Know where you stand financially before looking. No point falling in love with a home that you can't afford.  Do these simple things first: Use our mortgage calculators to establish what you can comfortably......Thu, 15 Dec 2011 07:04:27 GMThttp://www.ratesonline.com.au/resources/buying-next-home/negotiating-a-sale 5 rules for negotiating real estate 1. Do your research on the area and have superior knowledge of the marketplace. Knowledge is power when negotiating.  Research is the key here attend auctions, research recent sales, importantly talk to agents and go to open for inspections; become an expert in the area. Use your superior knowledge of the market combined with facts and figures to......Sun, 21 Dec 2008 06:07:43 GMThttp://www.ratesonline.com.au/resources/home-loan-types/split-home-loans-fixed-and-variable-rates This type of loan lets borrowers secure or fix part of the loan as well as let the remaining amount be put on a variable rate. A Split Home Loan is a cautious way of borrowing.   Advantages There is a protection against interest rate rises with the fixed rate component. If rates reduce there is less vulnerability due to the variable rate component. Additional payments......Fri, 25 Feb 2011 01:50:54 GMThttp://www.ratesonline.com.au/resources/home-loan-types/variable-rate-home-loans This is the most common loan offered by lenders and with repayment periods of up to 30 years is used by many people to buy their homes . To motivate buyers to choose this type of loan lending institutions sometimes offer discounted start-up periods with lower interest rates.  These benefits can be short lived as once the initial period is over the loan reverts back to the standard variable......Thu, 15 Dec 2011 07:06:14 GMThttp://www.ratesonline.com.au/resources/home-loan-types/fixed-rate-home-loans With a fixed rate loan your interest rate and repayments are fixed for a set period, usually between one and five years.  Most fixed loans will automatically default to a variable loan at the end of the term, but can roll over to another fixed term. Advantages When rates are rising it is guaranteed that your interest rate will not go up. You know how much your repayments will......Thu, 15 Dec 2011 07:06:00 GMThttp://www.ratesonline.com.au/resources/home-loan-types/professional-package-home-loans It is a common misconception that this loan is for professionals only and depending on the loan size can offer great interest rate discounts.  In most cases the only requirement you need to access these loans is to meet the lender's minimum loan amount and this can be as little as $100,000.   Advantages Discounts on the standard variable rate. Eligibility for benefits......Thu, 15 Dec 2011 07:06:31 GMThttp://www.ratesonline.com.au/resources/home-loan-types/intro-rate-home-loans Also known as a honeymoon rate, this low interest rate is offered at the start of a loan to get the borrower started. After a set period the rate converts to a standard rate. Rates can be fixed or capped. Advantages       ......Thu, 15 Dec 2011 07:06:58 GMThttp://www.ratesonline.com.au/resources/home-loan-types/basic-home-loans One of the most popular home loans.   Commonly called ‘No Frills Loans' with rates that are generally cheaper than the Standard Variable Rate. They have very limited features and less flexibility than a Standard Variable Rate  Advantages Regular repayments are great for budgeting. A rate that is always amongst the lowest. Normally extra repayments are......Thu, 15 Dec 2011 04:32:03 GMThttp://www.ratesonline.com.au/resources/home-loan-types/line-of-credit-home-loans A revolving line of credit that is secured against a property. It becomes a fully functional account so if cash is needed the borrower draws against that limit by either a debit card or cheque. The borrower can withdraw funds at any time up to the limit however; they are required to at least cover the interest and fees on the loan when making payments. Advantages Savings are accessed......Thu, 15 Dec 2011 07:06:22 GMThttp://www.ratesonline.com.au/resources/home-loan-types/low-doc-home-loans With people self-employed or employed on contract their income patterns do not let them qualify for a traditional type of loan. A low documentation loan allows them to self-certify their income and avoid the trouble of providing current financials every time they wish to borrow.  Fees and the interest rate are higher but time and stress are saved. Advantages No financials need......Thu, 15 Dec 2011 07:07:07 GMThttp://www.ratesonline.com.au/resources/home-buyer-centre/top-tips-for-building-your-own-home Estimate your budget. Always allow for costs not outlined in the base price.  There can always be unforeseen things under the soil when they prepare the base, changes you wish to make during the processes etc. Research projects in your area to ensure before you commence building you will have minimal delays with council. Before you purchase a block of land you will need to......Sun, 21 Dec 2008 06:35:39 GMThttp://www.ratesonline.com.au/resources/home-loan-types/non-conforming-home-loans This is the loan for borrowers that do not meet 'standard' bank criteria which could include those with a poor credit history, small or no-deposit holders and non-residents.  Advantages Helping get those started that don't meet traditional criteria. Lending rules are a lot more flexible. Disadvantages Higher interest rates and fees. Let a ratesonline......Thu, 15 Dec 2011 07:06:46 GMThttp://www.ratesonline.com.au/resources/home-loan-types/reverse-mortgage-home-loans   This type of mortgage is available to residential property owners over 60. By using equity in the home it enables those eligible to release funds and these funds then act as an income stream for personal lifestyle needs. Interest is payable however there are no monthly repayments and the interest is capitalised, meaning it's added to the loan amount.  When the property is......Thu, 15 Dec 2011 07:05:29 GMThttp://www.ratesonline.com.au/resources/market-update/february-2011 Is the low doc or no doc home loan dead? Posted 22nd Feb. News about low doc or no doc home loans have really died down over the last year. That's because the new federal government regulations have impacted the way Australian's can borrow money. While the low doc loan option is still available, it often carries a slightly higher interest rate and much stricter credit conditions than most......Fri, 25 Feb 2011 02:19:42 GMThttp://www.ratesonline.com.au/resources/market-update/december-2010 THE Reserve Bank to keep rates on hold RBA governor Glenn Stevens made the decision to hold the cash rate at 4.5% for potentially several months according to the latest RBA board meeting minutes.  "We remain of the view that the RBA won't start to tighten monetary policy until April next year at the earliest," Mr Oliver said. According to Mr Oliver, the RBA is no longer under......Mon, 20 Dec 2010 03:20:53 GMThttp://www.ratesonline.com.au/resources/market-update/november-2010 WHERE DO RATES GO FROM HERE... POSTED 28/11/2010  RBA governor Glenn Stevens speaking about the cash rate to a parliamentary committee recently said that he believes rates are at the right level.  He later went on to warn that inflation risks over the medium term were still on the high side and the RBA could tighten monetary policy further if they needed to. BIS Shrapnel chief......Mon, 29 Nov 2010 22:01:06 GMThttp://www.ratesonline.com.au/resources/market-update/october-2010 ING RAMP UP COMPETITION POSTED 20/10/2010  ING DIRECT has announced its plans to launch a $500 million RMBS issue and this issue securitises a portfolio of residential home loans originated and serviced by ING Direct. ING DIRECT chief financial officer Mark Mullington said "ING DIRECT is committed to growing its mortgage portfolio in coming years and a diversified funding base is a......Wed, 27 Oct 2010 05:50:11 GMThttp://www.ratesonline.com.au/resources/market-update/september-2010 Bankwest drops 3 year fixed rate home loan Great news for those wanting to lock in fixed rate home loans.  Bankwest has just aken 0.44% off its three-year fixed rate home loan, which is now priced at 6.94% per annum. Bankwest head of mortgages Dean Gillespie said " I think the opportunity has become available in the market to offer more competitive fixed rates, and I think you'll find......Wed, 22 Sep 2010 07:27:57 GMThttp://www.ratesonline.com.au/resources/market-update/august-2010 ADELAIDE BANK INCREASES LVR Posted 19th August  In a win for borrowers Adelaide Bank is about to reintroduce lending up to 95% of the value of the property. The new loan to valuation ratio or LVR will be available to owner occupiers only and is effective Monday 23 August. Damian Percy, General Manager of third party mortgages at Adelaide Bank said, "We observed that a lot of banks had......Thu, 19 Aug 2010 05:17:46 GMThttp://www.ratesonline.com.au/resources/market-update/july-2010 Bankwest Announce 90% LVR Change Posted 5th July Following recent improvements in Bankwest securing quality funds they have chosen to move the LVR for new customers on all home loan products from 85% to 90%.  New customers wishing to take out the Mortgage Shredder product will still be eligible to borrow up to 95% while existing customers will also be able to borrow up to 95% across the......Wed, 21 Jul 2010 07:36:06 GMThttp://www.ratesonline.com.au/resources/market-update/june-2010 BANKWEST CUTS FIXED RATE HOME LOANS Posted 22/06/10 Bankwest has just slashed its 3 and 5 year fixed rates to be among the cheapest in the market.  Effective this week the 3 year fixed rate is now 7.38% with the 5 year being 7.89%. Bankwest's head of mortgages Dean Gillespie said "We wanted to deliver products to our customers that are market leading, and with these recent rate cuts,......Tue, 22 Jun 2010 01:38:57 GMThttp://www.ratesonline.com.au/resources/market-update/may-2010 ANZ CUT FIXED RATES Posted 27th May ANZ has cut fixed rates to become more competitive in the fixed rate mortgage arena. Yesterday ANZ decreased its three year fixed rate to 7.64%, its four year rate to 7.74% and its five year rate to 7.94%.  This now puts the ANZ three year fixed rate in front of both CBA and Westpac. On the flipside they have raised the one year rate to 6.84%, this......Thu, 27 May 2010 04:42:13 GMThttp://www.ratesonline.com.au/resources/market-update/april-2010 RATES MAY BE SETTLING POSTED 22/04/10 The RBA has indicated that rate rises may be coming to an end. RBA governor Glenn Stevens said at a business forum last week that  "The Reserve Bank has moved early to raise the cash rate to levels that deliver interest rates for borrowers and depositors more like those that have been the average experience over the past 10 to 12 years," He......Wed, 28 Apr 2010 07:14:56 GMThttp://www.ratesonline.com.au/resources/market-update/march-2010   AMP CUTS VARIABLE RATES Posted 10/03/10 In a move that has been welcomed by the Federal Governement AMP has cut its introductory variable mortgage rate by 0.45% and its basic variable rate by 0.22%.  CEO Craig Dunn wrote to treasurer Wayne Swan and told him AMP were "able to achieve these reductions in a large part due to the Government's recent initiative through the......Mon, 22 Mar 2010 05:18:34 GMThttp://www.ratesonline.com.au/resources/market-update/february-2010 RBA LEAVES AT 3.75% Posted 03/02/2010 In a move that has surprised many the RBA decided to leave the cash rate unchanged at 3.75%. Most analysts had tipped a rate increase of 0.25% in light of the recent strong data coming out regarding property, employment and spending. In a statement released by the Governor explaining their position; Glenn Stevens said "Credit conditions......Wed, 03 Feb 2010 04:40:09 GMThttp://www.ratesonline.com.au/resources/market-update/january-2010 CHIEF ECONOMIST BELIVES RATE RELIEF CLOSE Posted 26/01/2010  In a new report from Access Economics Chris Richardson predicts interest rates will increase by 1% this year, however in order to claim a PR victory the majors may absorb 0.3% of that. Mr Richardson said many consumers were upset with the way banks had acted over the last few months and believes by undercutting the Reserve......Wed, 27 Jan 2010 01:17:25 GMThttp://www.ratesonline.com.au/resources/market-update/december-2009  ANZ & CBA MOVE ON RATES Posted 07/12/09  The ANZ have just announced it will increase its rates by 0.35%, 10 basis points above the RBA's Bank's 0.25% cash rate rise on Tuesday.  The ANZ's standard variable mortgage rate will now be 6.66% effective today. ANZ's Australia chief executive, Phil Chronican, in a statement wrote "Although interest rates remain......Mon, 07 Dec 2009 00:30:47 GMThttp://www.ratesonline.com.au/resources/market-update/january-2011 Start the New Year with a Financial Health Check Posted 20 th January The New Year provides most people one small luxury - extra time at home. Whether you just have one day off or you are enjoying an extended summer break, consider using some of your free time towards assessing the health of your current mortgage solution.  Where should I start? make sure you have the best......Fri, 31 Dec 2010 13:00:00 GMThttp://www.ratesonline.com.au/resources/market-update/november-2009 BIG FOUR MOVE ON RBA DECISION Posted 06/11/09   As expected the RBA lifted rates by 0.25% for the second consecutive month, raising the official cash rate to 3.5%. ANZ, CBA, NAB & Westpac, which control approximately 85% per cent of the home loan market wasted no time in passing on the Reserve Bank's 0.25% increase. The ANZ was first off the mark raising their standard......Fri, 06 Nov 2009 06:12:17 GMThttp://www.ratesonline.com.au/resources/market-update/october-2009   OUTLOOK FOR PROPERTY STRONG. Posted 14/10/09 House prices are expected to surge by about 20% between now and 2012, according to the Housing Outlook Report from 2010 to 2012 by mortgage insurer QBE Lenders' Mortgage Insurance (QBE LMI). Driven higher by on-going shortages QBE LMI chief executive Ian Graham said "Double digit house price growth is forecast across all capital......Wed, 14 Oct 2009 11:50:46 GMThttp://www.ratesonline.com.au/resources/market-update/september-2009 LOW DOC LOANS REQUIRE MORE DOC. Posted 24/09/09 Westpac, St. George and RAMS have all tightened up their policy for self-employed borrowers. St George last week announced that low doc home loan applications must be supported by a BAS for the last 12 months, the last statement being no more than 3 months old at the date of application. RAMS Home Loans also now require all low doc loan......Thu, 24 Sep 2009 01:40:42 GMThttp://www.ratesonline.com.au/resources/market-update/august-2009 ECONOMIC CONDITIONS SOLID. Posted 12/08/09 The Reserve Bank of Australia (RBA) has for the fourth consecutive month left the official cash rate on hold at a 49-year low of three per cent. Glenn Stevens RBA Governor in a statement said "Economic conditions in Australia have been stronger than expected...  Measures of confidence have recovered a good deal of ground. "This......Thu, 13 Aug 2009 02:18:46 GMThttp://www.ratesonline.com.au/resources/market-update/june-2009 RBA TOLD TO BE CAREFUL. Posted 26/06/09 The International Monetary Fund (IMF) has claimed that the Reserve Bank should take extra caution if it decides to increase the cash rate. In a document it released yesterday it emphasised that the RBA have the capacity to lower the rates and kick start the economy if they needed.  They praised the government for the stimulus policy......Fri, 26 Jun 2009 06:39:06 GMThttp://www.ratesonline.com.au/resources/market-update/july-2009 WILL RATES RISE SHORTLY? Posted 29/07/09 Reserve Bank of Australia (RBA) governor Glenn Stevens has hinted interest rates could rise before an expected peak in unemployment next year.  As the economy recovers in the second half of 2010 rates may rise to head off inflationary pressures. The RBA governor said  "It appears at this stage ... that the downturn we are having may......Wed, 29 Jul 2009 13:40:12 GMThttp://www.ratesonline.com.au/resources/market-update/may-2009   TO FIX OR NOT. Posted 27/05/09 With interest rates at historic lows the dilemma to fix or not to fix is the question that is on a lot of borrower's minds. Each situation needs to be judged on its merits and just because rates are low it doesn't mean that you should consider fixing.  AMP Capital's chief economist Shane Oliver says unfortunately "Most people get it......Wed, 27 May 2009 03:40:37 GMThttp://www.ratesonline.com.au/resources/market-update/april-2009 ST GEORGE RAISES ITS FIXED RATES. Posted 29/04/09 Effective today, St George has raised its three year fixed rates by 0.35% to 5.69% and its four and five year fixed rates by 0.40% to 6.34%. Westpac, theCBA and NAB have all lifted their fixed rate products over the last few weeks. LVR'S FALL. Posted 22/04/09 The traditional focused lender for first home buyers......Wed, 29 Apr 2009 05:50:33 GMThttp://www.ratesonline.com.au/resources/market-update/march-2009 WHAT'S GOING TO HAPPEN TO RATES. Posted 21/03/09 As we approach the April RBA meeting, some of the major banks are forecasting a cut in interest rates of 0.25%. With a rise in unemployment, a fall in non-private dwelling and commercial property construction this could be enough to help tip the RBA's hand on another rate cut.  However if the information that comes through is as......Sat, 21 Mar 2009 12:35:55 GMThttp://www.ratesonline.com.au/resources/market-update/february-2009   ALMOST 30,000 FIRST HOME OWNER GRANTS APPLICATIONS. Posted  25/02/09 The Housing Minister Tanya Plibersek revealed today that between mid October and the end of January, 29,489 first home buyers have taken advantage of the Rudd government grant. There were 12,000 applications in January this year alone as first home buyers make a rush before the grant expires on......Tue, 08 Jun 2010 06:31:07 GMThttp://www.ratesonline.com.au/resources/market-update/january-2009 RESERVE EXPECTED TO SLASH RATES AGAIN. Posted 29/01/09 With the latest inflation figures showing the Consumer Price Index falling by 0.3 per cent in the December quarter - the largest fall since 1997, the Reserve Bank is expected cut interest rates dramatically next week. The annual inflation rate fell to 3.7 per cent, thanks partly to an 18 per cent petrol price drop however......Thu, 29 Jan 2009 02:39:38 GMThttp://www.ratesonline.com.au/resources/buying-next-home/buying-your-next-home Buying your next home can be daunting and sometimes the process is not made simpler when you are also trying to sell your current home.  However there are some basic rules that can help you avoid many common and costly errors. To avoid not only financial problems but a lot of stress, it is highly recommended that you sell your existing home before purchasing another. Here are some reasons......Thu, 06 May 2010 06:07:36 GMThttp://www.ratesonline.com.au/resources/investing-in-property/can-i-claim-depreciation-on-my-investment-property Depreciation is a legitimate tax deduction and unfortunately even the ATO believes that more than half of property investors don't claim what they are legally entitled to. Firstly to claim depreciation you will need to employ a licensed quantity surveyor to create a depreciation schedule.  This outlines the depreciation allowances that an investor is entitled to. The schedule......Tue, 13 Jan 2009 06:50:20 GMThttp://www.ratesonline.com.au/resources/investing-in-property/the-positives-of-property-investment There are many things to consider when investing in property and the first is what the objectives of your investment are; is it to generate long term growth or is it to provide an additional revenue stream.  Only you can answer that question however here are some of the reasons why Property Investment is so attractive to so many Australians. Property is an asset you can......Thu, 19 Feb 2009 06:15:51 GMThttp://www.ratesonline.com.au/resources/investing-in-property/negative-gearing With the correct financial advice combined with the right property, negatively gearing is a great way for you to enter the property investment market and or increase your property portfolio. When the costs of owning a property exceed the income the property generates, it is said to be negatively geared. Once a loss is realised a tax claim or deduction can take place. Deductions can be......Tue, 23 Dec 2008 03:43:00 GMThttp://www.ratesonline.com.au/resources/insurance/income-protection What is it? If you had a "machine" in your back yard producing you $70,000 a year, would you insure this machine just in case it breaks down?   Income Protection, also known as salary continuance, is an insurance cover that can pay you a monthly benefit of up to 75% of your regular income if you're unable to work due to illness or injury. Furthermore, if you were unable to return......Tue, 22 Sep 2009 02:46:33 GMThttp://www.ratesonline.com.au/resources/insurance/life-insurance What is it? Life/ Death cover is an insurance cover that makes a lump sum payment to your family if you were to die or be diagnosed with a terminal illness. Why do you need it? Death cover offers you the security that if the unexpected were to happen, at least your family won't have to worry about money. If you were to die unexpectedly and your surviving family were relying on you......Tue, 22 Sep 2009 02:54:34 GMThttp://www.ratesonline.com.au/resources/insurance/total-and-permanent-disability-(tpd) What is it? TPD insurance cover provides a lump sum payment if you became totally and permanently disabled. Why do you need it? What would happen to you and your family if you were to become Totally and Permanently Disabled?  How would you or your family pay for increased medical expenses, paying your existing loan arrangements (i.e. Car Loans, Credit Cards etc), your children's......Tue, 22 Sep 2009 02:52:00 GMThttp://www.ratesonline.com.au/resources/insurance/trauma What is it? Trauma cover provides a lump sum payment if you're diagnosed with a specified ‘trauma' condition. The types of conditions that trauma cover will cover you for include heart attack, multiple sclerosis, motor neurone disease, major organ transplant, severe burns, cancers, dementia, stroke or paralysis - to name a few. Why do you need it? What would happen if you were to......Tue, 22 Sep 2009 02:52:48 GMThttp://www.ratesonline.com.au/resources/insurance/insurance-glossary Accidental Death Means a visible and external event that was unexpected and unintended which caused the injury and death of the person. Agreed Value The Insured Monthly Benefit is agreed with you at the time of application and is based on your income at that time. Any Occupation Insurance option that covers any occupation for which you are reasonably suited by education,......Mon, 21 Sep 2009 07:42:57 GMThttp://www.ratesonline.com.au/resources/insurance/the-myths-of-life-insurance   #1           It's bundled in with my super . Unfortunately whilst this is true in a lot of cases the average level of cover through superannuation would provide for only about 20% of the needs of the average Australian.  Check to see if you have enough cover in the event of death or illness. ......Tue, 22 Sep 2009 01:46:13 GMThttp://www.ratesonline.com.au/resources/insurance/ensuring-income-continuity- Income protection means you can receive up to 75 per cent of your income, in the event of not being able to work due to illness or injury. And the good news is that it in most cases, it is 100 per cent tax deductible. While no one enjoys paying insurance, income protection really is one of the "must-haves". Without it, should illness or injury occur (and it easily can), you could......Tue, 22 Sep 2009 03:02:16 GMThttp://www.ratesonline.com.au/resources//about-us About Ratesonline.com.au Ratesonline.com.au is an independent interest rate comparison website that provides free and objective interest rate comparison information from the country's leading financial institutions. Consumers can compare Home Loans , Insurance , Life Insurance , Income Protection Insurance , Trauma Insurance and TPD Insurance to ensure they find the very best......Wed, 01 Feb 2012 04:08:42 GMThttp://www.ratesonline.com.au/resources//about-us-rea About Ratesonline.com.au Ratesonline.com.au is an independent interest rate comparison website that provides free and objective interest rate comparison information from the country's leading financial institutions. Consumers can compare Home Loans , Mortgages, Insurance, Life Insurance, Income Protection, Trauma Insurance and TPD Insurance. Ratesonline.com.au understands that......Tue, 07 Dec 2010 04:46:54 GMThttp://www.ratesonline.com.au/resources/home-buyer-centre/home-loan-process The Loan Application Process 1. Interview During the interview(s), we will discuss and help you to select the most appropriate product and lender that best suits your needs. Once the most appropriate lender and loan product has been selected, the loan application process begins. 2. Loan Application Process  Takes 24-48 hours. Your loan application will be lodged with the......Thu, 13 May 2010 08:22:00 GMThttp://www.ratesonline.com.au/resources//may-2010 RATES UP AGAIN Posted 5th May ...Wed, 12 May 2010 03:05:44 GMThttp://www.ratesonline.com.au/resources/home-buyer-centre/document-checklist In terms of the information required this largely depends on the chosen lender and the type of loan you are applying for. Here is a rough guide on what you need to have when meeting a ratesonline broker. The Proper Identification: An Australian Passport, Birth Certificate, other passport and Permanent Residency Visa Marriage certificate if applicable Driver's License ......Fri, 14 May 2010 01:10:27 GMThttp://www.ratesonline.com.au/resources/home-buyer-centre/conveyancingThis is the process of transferring the legal ownership of property from one person to another. You may do this yourself however it is recommended that you use a solicitor or licensed conveyancer to ensure the transaction runs smoothly and you are protected from the consequences of making a mistake. In choosing a conveyancer or solicitor make sure they have a license and professional......Fri, 14 May 2010 01:12:07 GMThttp://www.ratesonline.com.au/resources/market-update/december-2008 FIXED RATES HURT MORE THAN 43,000 HOME OWNERS Posted 12/12/08 More than 43,000 home owners who took out fixed interest rates between March & September this year (the highest level in a decade) have inadvertently denied themselves of any savings from the recent cuts.  They are now faced with a difficult decision; pay a higher interest rate, or incur thousands of dollars in......Sat, 20 Dec 2008 00:54:18 GMThttp://www.ratesonline.com.au/resources/home-buyer-centre/lenders-mortgage-insuranceWhen borrowing more than the 80% of the value of the property most banks and financial institutions require LMI. This is added to the cost of the loan. Essentially this gives buyers the opportunity to purchase a property with a smaller deposit. As the name suggests mortgage insurance protects the lender if the borrower was to default and the property sells for less than the outstanding balance......Thu, 13 May 2010 08:30:16 GMThttp://www.ratesonline.com.au/resources/market-update/may-2010 PROPERTY PRICES RISING VERY QUICKLY Posted 12th May Capital city real estate prices rose by a record 20% in the year to the end of March. The Australian Bureau of Statistics released their latest figures showing quarterly home prices rising by almost 5%. By increasing the official cash rate by 0.25% the Reserve Bank is hoping this will keep a lid on inflation and keep the economy's......Thu, 13 May 2010 08:42:31 GMThttp://www.ratesonline.com.au/resources/glossary/glossary-on-home-loans Amortising loan A loan in which the principal and interest will be repaid fully through regular installments by the time the loan's term ends. Application The first step in the official loan approval process; this form is used to record important information about the potential borrower necessary to the underwriting process. Appraised Value The estimate of a property's value offered as a......Fri, 14 May 2010 01:37:31 GMThttp://www.ratesonline.com.au/resources/glossary/tips Home Loans Tip # 1 Add up all the fees when buying Don't forget to take into account all of the extra fees when you purchase a home, these could include: mortgage insurance , loan application fee, refinancing or switching fees, legal costs, stamp duty, builder's report and a valuation fee. Home Loans Tip # 2 Additional repayments and the savings Consider lump sum payments......Fri, 14 May 2010 02:03:36 GMThttp://www.ratesonline.com.au/resources/refinancing-or-debt-consolidation/saving-thousands-from-refinancing Because circumstances change regularly the attraction of paying less interest on a home loan / mortgage or investment property loan for some is a simple decision. However when looking at refinancing you should always remember there may be costs involved in paying out your existing loan and establishing a new one. It is imperative that all the figures be carefully checked and that you seek......Fri, 14 May 2010 04:49:23 GMThttp://www.ratesonline.com.au/resources/home-loan-types/a-guide-to-fixed-rate-home-loans The interest rate attached to your home loan or mortgage determines what your home loan costs you each month. Fluctuations in interest rates, even minor ones, can affect what you repay over the lifetime of a loan. It's no wonder then that so much news is dedicated to interest rate updates, predictions and analysis. It's the single largest investment most average Australian's will ever make. ......Wed, 14 Dec 2011 03:12:54 GMThttp://www.ratesonline.com.au/resources/refinancing-or-debt-consolidation/renovating-and-the-real-costsAt some point many homeowners decide to improve their property. This can be to enhance their lifestyle, improve the value of the property or just simply because their family has grown. Here are some tips to get you started. If you improve your home at an amount much higher than the average property in your area there is a big chance it could become over captalised and harder to recoup......Fri, 14 May 2010 01:07:41 GMThttp://www.ratesonline.com.au/resources/home-loan-types/variable-rate-home-loansThis is the most common loan offered by lenders and with repayment periods of up to 30 years is used by many people to buy their homes . To motivate buyers to choose this type of loan lending institutions sometimes offer discounted start-up periods with lower interest rates. These benefits can be short lived as once the initial period is over the loan reverts back to the standard variable rate.......Fri, 14 May 2010 02:07:56 GMThttp://www.ratesonline.com.au/resources/home-loan-types/fixed-rate-home-loansWith a fixed rate loan your interest rate and repayments are fixed for a set period, usually between one and five years. Most fixed loans will automatically default to a variable loan at the end of the term, but can roll over to another fixed term. Advantages 1.When rates are rising it is guaranteed that your interest rate will not go up. 2.You know how much your repayments will be for......Fri, 14 May 2010 02:41:57 GMThttp://www.ratesonline.com.au/resources/home-buyer-centre/understanding-fixed-rate-home-loans Understanding fixed rate home loans   The interest rate attached to your home loan or mortgage determines what your home loan costs you each month. Fluctuations in interest rates, even minor ones, can affect what you repay over the lifetime of a loan. It's no wonder then that so much news is dedicated to interest rate updates, predictions and analysis. It's the single largest......Thu, 10 Feb 2011 01:46:48 GMThttp://www.ratesonline.com.au/resources/home-loan-types/professional-package-home-loansIt is a common misconception that this loan is for professionals only and depending on the loan size can offer great interest rate discounts. In most cases the only requirement you need to access these loans is to meet the lender's minimum loan amount and this can be as little as $100,000. Advantages 1.Discounts on the standard variable rate. 2.Eligibility for benefits such as fee free......Fri, 14 May 2010 02:11:40 GMThttp://www.ratesonline.com.au/resources/home-loan-types/intro-rate-home-loansAlso known as a honeymoon rate , this low interest rate is offered at the start of a loan to get the borrower started. After a set period the rate converts to a standard rate . Rates can be fixed or capped. Advantages 1.Normally the lowest available rates. 2.Opportunity with a lower rate to pay down the principal quickly. Disadvantages 1.After a set period the rate converts to a......Fri, 14 May 2010 02:21:33 GMThttp://www.ratesonline.com.au/resources/home-loan-types/basic-home-loansOne of the most popular home loans. Commonly called ‘ No Frills Loans ' with rates that are generally cheaper than the Standard Variable Rate . They have very limited features and less flexibility than a Standard Variable Rate Advantages 1.Regular repayments are great for budgeting. 2.A rate that is always amongst the lowest. 3.Normally extra repayments are allowed. Disadvantages ......Fri, 14 May 2010 02:22:26 GMThttp://www.ratesonline.com.au/resources/home-loan-types/line-of-credit-home-loansA revolving line of credit that is secured against a property. It becomes a fully functional account so if cash is needed the borrower draws against that limit by either a debit card or cheque. The borrower can withdraw funds at any time up to the limit however; they are required to at least cover the interest and fees on the loan when making payments. Advantages 1.Savings are accessed by......Fri, 14 May 2010 02:43:45 GMThttp://www.ratesonline.com.au/resources/home-loan-types/low-doc-loansWith people self-employed or employed on contract their income patterns do not let them qualify for a traditional type of loan. A low documentation loan allows them to self-certify their income and avoid the trouble of providing current financials every time they wish to borrow. Fees and the interest rate are higher but time and stress are saved. Advantages 1.No financials need to be......Fri, 14 May 2010 02:46:41 GMThttp://www.ratesonline.com.au/resources/home-loan-types/reverse-mortgage-home-loansThis type of mortgage is available to residential property owners over 60. By using equity in the home it enables those eligible to release funds and these funds then act as an income stream for personal lifestyle needs. Interest is payable however there are no monthly repayments and the interest is capitalised, meaning it's added to the loan amount. When the property is eventually sold the......Fri, 14 May 2010 02:48:35 GMThttp://www.ratesonline.com.au/resources/home-loan-types/split-home-loans-fixed-and-variable-ratesThis type of loan lets borrowers secure or fix part of the loan as well as let the remaining amount be put on a variable rate . A Split Home Loan is a cautious way of borrowing. Advantages 1.There is a protection against interest rate rises with the fixed rate component. 2.If rates reduce there is less vulnerability due to the variable rate component. 3.Additional payments are only allowed......Fri, 14 May 2010 02:51:31 GMThttp://www.ratesonline.com.au/resources/buying-first-home/faq's-for-first-home-buyers How much do I need to save for a deposit? This can depend on the type of loan you are looking for and the Institution you are lending from, however as a general rule if buying to live in you will require 5%of the purchase price. If investing in property ideally 10% of the purchase price is what you need. It is possible to purchase with less however there will be some guidelines around this. ......Fri, 14 May 2010 04:51:17 GMThttp://www.ratesonline.com.au/resources/refinancing-or-debt-consolidation/top-tips-for-mortgage-reductionWith interest rates increasing again the secret to financial security is making your money work for you. Here are some tips to obtain financial security: Evaluate - review your current financial position comparing your total income against all outgoings. Budget - recording your day to day expenses is the key to financial control. By using your cash flow more effectively you......Fri, 14 May 2010 04:48:00 GMThttp://www.ratesonline.com.au/resources/refinancing-or-debt-consolidation/refinancing-basicsThere has never been a better time to refinance your home loan especially now as rates have increased and lenders are offering more attractive deals in a bid to win new customers. But whilst it is true that refinancing has the potential to help you reduce the costs associated with borrowing money, it is not necessarily the right strategy in every situation. Refinancing your current loan may......Fri, 14 May 2010 04:38:06 GMThttp://www.ratesonline.com.au/resources/buying-next-home/buying-your-next-homeBuying your next home can be daunting and sometimes the process is not made simpler when you are also trying to sell your current home. However there are some basic rules that can help you avoid many common and costly errors. To avoid not only financial problems but a lot of stress, it is highly recommended that you sell your existing home before purchasing another. Here are some reasons why; ......Fri, 14 May 2010 04:41:40 GMThttp://www.ratesonline.com.au/resources//income-protection What is it? If you had a "machine" in your back yard producing you $70,000 a year, would you insure this machine just in case it breaks down?   Income Protection, also known as salary continuance, is an insurance cover that can pay you a monthly benefit of up to 75% of your regular income if you're unable to work due to illness or injury. Furthermore, if you were unable to return to......Tue, 01 Jun 2010 03:23:54 GMThttp://www.ratesonline.com.au/resources//life-insurance What is it? Life/ Death cover is an insurance cover that makes a lump sum payment to your family if you were to die or be diagnosed with a terminal illness. Why do you need it? Death cover offers you the security that if the unexpected were to happen, at least your family won't have to worry about money. If you were to die unexpectedly and your surviving family were relying on you......Tue, 01 Jun 2010 05:24:26 GMThttp://www.ratesonline.com.au/resources//total-and-permanent-disability-tpd What is it? TPD insurance cover provides a lump sum payment if you became totally and permanently disabled. Why do you need it? What would happen to you and your family if you were to become Totally and Permanently Disabled?  How would you or your family pay for increased medical expenses, paying your existing loan arrangements (i.e. Car Loans, Credit Cards etc), your children's......Tue, 01 Jun 2010 05:33:26 GMThttp://www.ratesonline.com.au/resources/insurance/the-role-of-an-insurance-advisor The insurance advisory industry is heavily regulated protecting consumers with a complete and open policy with full disclosure. Australians overall are under insured and it is essential that everyone should have a life insurance policy as part of their financial portfolio. Insurance advisors ensure you find the right insurance policy to match you individual circumstances.  With......Wed, 19 Jan 2011 09:08:15 GMThttp://www.ratesonline.com.au/resources//trauma What is it? Trauma cover provides a lump sum payment if you're diagnosed with a specified ‘trauma' condition. The types of conditions that trauma cover will cover you for include heart attack, multiple sclerosis, motor neurone disease, major organ transplant, severe burns, cancers, dementia, stroke or paralysis - to name a few. Why do you need it? What would happen if you were to......Tue, 01 Jun 2010 05:26:11 GMThttp://www.ratesonline.com.au/resources//insurance-glossary Accidental Death Means a visible and external event that was unexpected and unintended which caused the injury and death of the person. Agreed Value The Insured Monthly Benefit is agreed with you at the time of application and is based on your income at that time. Any Occupation Insurance option that covers any occupation for which you are reasonably suited by education,......Tue, 01 Jun 2010 05:26:59 GMThttp://www.ratesonline.com.au/resources//the-myths-of-life-insurance #1           It's bundled in with my super . Unfortunately whilst this is true in a lot of cases the average level of cover through superannuation would provide for only about 20% of the needs of the average Australian.  Check to see if you have enough cover in the event of death or illness. ......Tue, 01 Jun 2010 05:45:35 GMThttp://www.ratesonline.com.au/resources//ensuring-income-continuity Income protection means you can receive up to 75 per cent of your income, in the event of not being able to work due to illness or injury. And the good news is that it in most cases, it is 100 per cent tax deductible. While no one enjoys paying insurance, income protection really is one of the "must-haves". Without it, should illness or injury occur (and it easily can), you could potentially......Tue, 01 Jun 2010 05:30:46 GMThttp://www.ratesonline.com.au/resources//the-difference-between-mortgage-protection-and-mortgage-insuranceDespite their similar names, there is a vast difference between lenders' mortgage insurance and mortgage protection insurance ! While lender's mortgage insurance is designed to protect the bank, mortgage protection insurance is designed to insure you and your home. Here we pick apart the differences.   Mortgage protection insurance You need to seek out and engage a mortgage......Tue, 01 Jun 2010 05:42:51 GMThttp://www.ratesonline.com.au/resources//3-things-to-consider-when-choosing-your-level-of-life-insurance-coverThere is a lot of advice out there, telling you to be wary of under-insuring on your life insurance coverage . However, in it's own way, over-insuring can be just as harmful. So, here are 3 things to remember in determining your level of life insurance coverage . 1. You'll want to replace your income until your kids turn 18 However, don't forget that after a reasonable amount of time,......Tue, 01 Jun 2010 05:46:35 GMThttp://www.ratesonline.com.au/resources//is-income-protection-insurance-worth-itIf you've recently gotten a quote on income protection insurance , you were probably pretty blown out at the premiums. Premiums must be high, because potential payouts can be massive. Given this dilemma, is income protection insurance worth it? Here are some circumstances in which it is.  1. If your partner is unable to work If your partner has a disability that means they cannot work......Tue, 01 Jun 2010 05:52:17 GMThttp://www.ratesonline.com.au/resources/market-update/june-2010 BANKWEST CUTS FIXED RATE HOME LOANS Posted 22/06/10 Bankwest has just slashed its 3 and 5 year fixed rates to be among the cheapest in the market.  Effective this week the 3 year fixed rate is now 7.38% with the 5 year being 7.89%. Bankwest's head of mortgages Dean Gillespie said "We wanted to deliver products to our customers that are market leading, and with these recent rate cuts,......Tue, 22 Jun 2010 02:25:48 GMThttp://www.ratesonline.com.au/resources/market-update/july-2010 Bankwest Announce 90% LVR Change Posted 5th July Following recent improvements in Bankwest securing quality funds they have chosen to move the LVR for new customers on all home loan products from 85% to 90%.  New customers wishing to take out the Mortgage Shredder product will still be eligible to borrow up to 95% while existing customers will also be able to borrow up to 95% across......Wed, 21 Jul 2010 07:37:50 GMThttp://www.ratesonline.com.au/resources/market-update/august-2010 ADELAIDE BANK INCREASES LVR Posted 19th August  In a win for borrowers Adelaide Bank is about to reintroduce lending up to 95% of the value of the property. The new loan to valuation ratio or LVR will be available to owner occupiers only and is effective Monday 23 August. Damian Percy, General Manager of third party mortgages at Adelaide Bank said, "We observed that a lot of banks......Thu, 19 Aug 2010 05:36:36 GMThttp://www.ratesonline.com.au/resources/market-update/september-2010 Bankwest drops 3 year fixed rate home loan Great news for those wanting to lock in fixed rate home loans.  Bankwest has just aken 0.44% off its three-year fixed rate home loan, which is now priced at 6.94% per annum. Bankwest head of mortgages Dean Gillespie said " I think the opportunity has become available in the market to offer more competitive fixed rates, and I think you'll find......Wed, 22 Sep 2010 07:28:28 GMThttp://www.ratesonline.com.au/resources/home-buyer-centre/types-of-loans-availableWhen you first set out to apply for your new home loan, there are some factors you should be aware of.  The amount you can borrow generally depends on what you're buying and how much money you have left when you take out all your fixed commitments from your net income.  If you're buying a home, most lenders will let you borrow up to 80 percent of the purchase price, or 95 percent if you......Fri, 30 Jul 2010 04:00:29 GMThttp://www.ratesonline.com.au/resources//selecting-the-right-mortgage Selecting the Right Mortgage Have you been focusing on buying a home but giving little thought to how you'll structure the mortgage or secure financing? Hunting for the right mortgage is as important as hunting for the right home. The right mortgage structure can save you thousands of dollars so it's worth understanding what to look for: Compare features, not just mortgage rates ......Thu, 04 Nov 2010 22:40:26 GMThttp://www.ratesonline.com.au/resources/home-buyer-centre/selecting-the-right-mortgage Selecting the Right Mortgage Have you been focusing on buying a home but giving little thought to how you'll structure the mortgage or secure financing? Hunting for the right mortgage is as important as hunting for the right home. The right mortgage structure can save you thousands of dollars so it's worth understanding what to look for: Compare features, not just mortgage rates ......Thu, 04 Nov 2010 22:55:11 GMThttp://www.ratesonline.com.au/resources/insurance/income-protection-waiting-periods A ‘waiting period' is part of every income protection insurance policy in Australia.  It refers to the length of time the accident or sickness has to keep you off work before the income protection benefit period commences. The starting date of this waiting period is important and generally for sickness the waiting period starts on the day the sickness is diagnosed and for......Wed, 19 Jan 2011 09:36:51 GMThttp://www.ratesonline.com.au/resources//november-2010 The Reserve Bank of Australia (RBA) shocked most economic commentators The Reserve Bank of Australia (RBA) shocked most economic commentators and the public at large with the decision to hike interest rates in November. And it's likely that another rise may be just around the corner The RBA was widely expected to keep rates on hold this month after official figures showed lower than......Fri, 26 Nov 2010 03:30:57 GMThttp://www.ratesonline.com.au/resources//splitting-the-ccostSplitting the cost Buying a property with family or friends can be a nifty way to kick start your property portfolio, provided it's done correctly. While not without risk, buying an investment property with family or friends can have financial benefits. Co-purchasing may not only give you easier access to finance by combining your borrowing power, it can also mean you can own an investment......Fri, 26 Nov 2010 03:34:02 GMThttp://www.ratesonline.com.au/resources/home-buyer-centre/selecting-the-right-mortgage Have you been focusing on buying a home but giving little thought to how you'll structure the mortgage or secure financing? Hunting for the right mortgage is as important as hunting for the right home. The right mortgage structure can save you thousands of dollars so it's worth understanding what to look for: Compare features, not just mortgage rates Read the fine print Understand......Wed, 15 Dec 2010 23:47:40 GMThttp://www.ratesonline.com.au/resources/investing-in-property/purchasing-a-holiday-home-as-an-investment-strategyPurchasing a holiday home as an investment strategy Investing in a holiday home sounds like a dream, but it's one that suits some investors more than others. Imagine being able to enjoy lazy coastal getaways, relaxing by the water while the rent cheques roll in. This is how most people see a holiday home investment, and while it can be a savvy, money-making strategy, it's important to do......Fri, 26 Nov 2010 03:35:52 GMThttp://www.ratesonline.com.au/resources/investing-in-property/splitting-the-costSplitting the cost Buying a property with family or friends can be a nifty way to kick start your property portfolio, provided it's done correctly. While not without risk, buying an investment property with family or friends can have financial benefits. Co-purchasing may not only give you easier access to finance by combining your borrowing power, it can also mean you can own an investment......Fri, 26 Nov 2010 03:36:49 GMThttp://www.ratesonline.com.au/resources/home-buyer-centre/the-next-move-is-yours The next move is yours As celebrations of your recent property purchase start to die down, the next thing to consider is whether you should do the removals yourself or call in professional removalists. Going the DIY route means you avoid removalists' fees, but your move will almost certainly incur other costs and you should consider those before opting to do the job yourself. Transport......Fri, 26 Nov 2010 03:38:40 GMThttp://www.ratesonline.com.au/resources/home-buyer-centre/australian-first-mortgage-voted-the-best-non-bank-lender-2010- HIGHER STANDARDS. HIGHER SERVICE. In a little over seven years, the vision of the three Directors of AFM has been realised: to be the BEST NON BANK LENDER* in the country. We knew we weren't going to be the biggest, but we were determined to be the best. Their philosophy has always been a simple one: Let's grow together with good old-fashioned service. And we mean it. With a range......Mon, 13 Dec 2010 23:13:12 GMThttp://www.ratesonline.com.au/resources/insurance/is-your-business-properly-insuredMost business owners don't think about the importance of insuring their business partners or even themselves in the event of sickness or death. Most business owners don't think about the importance of having a buy/sell agreement with their business partners.  Unfortunately the sad reality is that both of these points are essential to any successful business owner, in the event of......Tue, 14 Dec 2010 05:52:27 GMThttp://www.ratesonline.com.au/resources/home-buyer-centre/new-year,-new-ways-to-save-moneyThe New Year provides most people one small luxury - extra time at home. Whether you have one day off or are enjoying an extended summer break, consider using some of your free time towards assessing the health of your financial future. Start the New Year with a financial health check: sort out old paperwork that you have gathered over the year review your yearly budget and start a new......Tue, 11 Jan 2011 02:47:40 GMThttp://www.ratesonline.com.au/resources/insurance/new-year,-new-ways-to-protecting-your-lifestyleThe New Year provides most people one small luxury - extra time at home. Whether you just have one day off or you are enjoying an extended summer break, consider using some of your free time towards assessing your insurance needs. Begin by asking yourself... Do I have life insurance? If yes, is my current policy adequate? If no, how do I get the right cover? Weather you have......Thu, 20 Jan 2011 00:01:34 GMThttp://www.ratesonline.com.au/resources/market-update/november-2008 NEW HOME SALES RISE Posted 29/11/08 October has seen the sale of new homes rise strongly.  This has coincided with the tripling of the first home buyers grant as well as further cuts in interest rates. The Housing Industry Association's (HIA) despite this increase believe a recovery in this sector is still some way off.   The New Home Sales Report compiled from a......Sun, 21 Dec 2008 11:53:24 GMThttp://www.ratesonline.com.au/resources/insurance/what-is-trauma-insurance Trauma (also called critical illness) cover provides a lump sum payment if you're diagnosed with a specified ‘trauma' condition. The types of conditions covered by trauma cover may include: heart attack multiple sclerosis motor neurone disease major organ transplant severe burns cancers dementia stroke paralysis other major illnesses or injuries that will......Tue, 15 Feb 2011 04:03:16 GMThttp://www.ratesonline.com.au/resources/market-update/january-2011 Start the New Year with a Financial Health Check Posted 20 th January The New Year provides most people one small luxury - extra time at home. Whether you just have one day off or you are enjoying an extended summer break, consider using some of your free time towards assessing the health of your current mortgage solution.  Where should I start? make sure you have the best home......Fri, 28 Jan 2011 00:09:51 GMThttp://www.ratesonline.com.au/resources//what-is-trauma-insurance Trauma (also called critical illness) cover provides a lump sum payment if you're diagnosed with a specified ‘trauma' condition. The types of conditions covered by trauma cover may include: heart attack multiple sclerosis motor neurone disease major organ transplant severe burns cancers dementia stroke paralysis other major illnesses or injuries that will......Wed, 16 Feb 2011 03:57:55 GMThttp://www.ratesonline.com.au/resources/buying-first-home/a-beginner's-guide----looking-for-a-mortgage-but-don't-know-where-to-startChoosing a home loan that suits your needs takes some time. Just like searching for a new home, home loan shopping involves time researching and investigating all the options. Start Early Gill McLean from moneyQuest suggests starting your mortgage shopping early. Before you start going to open for inspections and property auctions, it's advisable to start working with your bank manager or......Thu, 24 Feb 2011 04:20:00 GMThttp://www.ratesonline.com.au/resources/buying-first-home/looking-for-a-mortgage-but-don't-know-where-to-startChoosing a home loan that suits your needs takes some time. Just like searching for a new home, home loan shopping involves time researching and investigating all the options. Start Early Gill McLean from moneyQuest suggests starting your mortgage shopping early. Before you start going to open for inspections and property auctions, it's advisable to start working with your bank manager or......Fri, 25 Feb 2011 01:36:28 GMThttp://www.ratesonline.com.au/resources/home-loan-types/is-the-low-doc-or-no-doc-home-loan-dead  News about low doc or no doc home loans have really died down over the last year. That's because the new federal government regulations have impacted the way Australian's can borrow money. To borrow money in today's climate you must have your financial information up to date including: Tax returns Show genuine savings history Proof of income, assets or liabilities Prove......Fri, 25 Feb 2011 02:04:22 GMThttp://www.ratesonline.com.au/resources/home-loan-types/is-the-low-doc-and-no-doc-home-loan-deadNews about low doc or no doc home loans have really died down over the last year. That's because the new federal government regulations have impacted the way Australian's can borrow money. To borrow money in today's climate you must have your financial information up to date including: Tax returns Show genuine savings history Proof of income, assets or liabilities Prove that......Thu, 15 Dec 2011 07:07:47 GMThttp://www.ratesonline.com.au/resources/market-update/february-2011 Is the lo doc or no doc home loan dead? Posted 22nd Feb. News about lo doc or no doc home loans have really died down over the last year. That's because the new federal government regulations have impacted the way Australian's can borrow money. While the lo doc loan option is still available, it often carries a slightly higher interest rate and much stricter credit conditions than most......Fri, 25 Feb 2011 02:18:15 GMThttp://www.ratesonline.com.au/resources/insurance/the-four-main-types-of-life-insurance-  Did you know there are four main types of life insurance? 1.       Life insurance (death cover) In the event of your death, life insurance pays a lump sum to your nominated beneficiaries. Typically, the money goes to your spouse, dependants (such as children) or selected family members. 2.       Total and......Mon, 28 Feb 2011 02:50:55 GMThttp://www.ratesonline.com.au/resources//the-four-main-types-of-life-insurance-Did you know there are four main types of life insurance? 1.       Life insurance (death cover) In the event of your death, life insurance pays a lump sum to your nominated beneficiaries. Typically, the money goes to your spouse, dependants (such as children) or selected family members. 2.       Total and permanent......Mon, 28 Feb 2011 03:01:44 GMThttp://www.ratesonline.com.au/resources/market-update/march-2011March 10 th Australian Property Prices Australians are less optimistic about property prices than they were a year ago, according to new research. Resent results from the Bankwest/MFAA Home Finance Index show that 38% of Australians expect property prices to increase over the next three months, which is down on the 79% that expected imminent price rises in March 2010. Bankwest......Fri, 25 Mar 2011 02:16:30 GMThttp://www.ratesonline.com.au/resources/market-update/march-2011March 7 th The battle of the banks continue The big banks want your business and it looks like they will do anything to get it - waving fees, boosting interest rate discounts and even paying you to leave your current home loan provider. Attractive as some of these deals sound, the general manager of moneyQuest, Gill McLean, says you should still add up the total cost of a loan and......Fri, 25 Mar 2011 02:14:29 GMThttp://www.ratesonline.com.au/resources//how-a-job-change-or-promotion-can-affect-your-income-protection-insurance Hypothetical Scenario One: A promotion at work. Congratulations! You're moving up in the world and taking on more responsibility at work. Most likely, your promotion has also increased your salary. STOP. After you enjoy a much deserved celebration don't forget to review and update your income protection insurance. In the future, you may need to make a claim on your policy. If you haven't......Tue, 15 Mar 2011 23:13:00 GMThttp://www.ratesonline.com.au/resources/insurance/how-a-job-change-or-promotion-can-affect-your-income-protection-insurance Hypothetical Scenario One: A promotion at work. Congratulations! You're moving up in the world and taking on more responsibility at work. Most likely, your promotion has also increased your salary. STOP. After you enjoy a much deserved celebration don't forget to review and update your income protection insurance. In the future, you may need to make a claim on your policy. If you haven't......Tue, 15 Mar 2011 23:12:18 GMThttp://www.ratesonline.com.au/resources/insurance/how-a-job-change-or-promotion-can-affect-your-income-protection-insurance Hypothetical Scenario One: A promotion at work. Congratulations! You're moving up in the world and taking on more responsibility at work. Most likely, your promotion has also increased your salary. STOP. After you enjoy a much deserved celebration don't forget to review and update your income protection insurance . In the future, you may need to make a claim on your policy. If you haven't......Wed, 01 Feb 2012 04:43:23 GMThttp://www.ratesonline.com.au/resources/insurance/how-losing-weight-and-improved-health-can-save-you-moneyHave your lost weight or improved your health since you purchased or reviewed your life insurance? "There are hundreds of health related issue that can affect life, income protection and trauma insurance premiums," said Amien Sym, a moneyQuest insurance adviser. People with poor health can often pay more for insurance policies while people seen as healthy can be paying less for the same......Thu, 24 Mar 2011 02:02:57 GMThttp://www.ratesonline.com.au/resources//how-losing-weight-can-save-you-money-Have your lost weight or improved your health since you purchased or reviewed your life insurance? "There are hundreds of health related issue that can affect life, income protection and trauma insurance premiums," said Amien Sym, a moneyQuest insurance adviser. People with poor health can often pay more for insurance policies while people seen as healthy can be paying less for the same......Thu, 24 Mar 2011 02:06:40 GMThttp://www.ratesonline.com.au/resources/home-buyer-centre/banks-fighting-for-your-businessThe big banks have their boxing gloves on and they're out to fight for your business. Once scrutinised for high fees, poor customer satisfaction and unreliable computer systems the banks are now deflecting the bad news with enticing new offers. "We are all out to save as much money as possible and pay off our debts as quickly as we can," said Gill McLean from moneyQuest. And when the banks......Mon, 28 Mar 2011 06:52:08 GMThttp://www.ratesonline.com.au/resources/home-buyer-centre/the-banks-are-fighting-for-your-businessThe big banks have their boxing gloves on and they're out to fight for your business. Once scrutinised for high fees, poor customer satisfaction and unreliable computer systems the banks are now deflecting the bad news with enticing new offers. "We are all out to save as much money as possible and pay off our debts as quickly as we can," said Gill McLean from moneyQuest. And when the banks......Mon, 28 Mar 2011 06:52:39 GMThttp://www.ratesonline.com.au/resources/buying-first-home/the-return-of-the-first-home-buyerIt's not easy getting your foot on the property ladder, especially if you're a first home buyer. In the past, the various first home buyer grants have made it easier for many but in recent times the looming financial crisis has been putting would be first home buyer in a holding pattern. This uncertainty is starting to fade and experts believe the first home buyer will once again return to the......Wed, 14 Dec 2011 02:53:38 GMThttp://www.ratesonline.com.au/resources/buying-first-home/the-return-of-the-first-home-buyerIt's not easy getting your foot on the property ladder, especially if you're a first home buyer. In the past, the various first home buyer grants have made it easier for many but in recent times the looming financial crisis has been putting would be first home buyer in a holding pattern. This uncertainty is starting to fade and experts believe the first home buyer will once again return to the......Thu, 31 Mar 2011 00:08:09 GMThttp://www.ratesonline.com.au/resources/market-update/april-2011 April 8, 2011 Australian Government Still Supports Smaller Lenders The Government will continue to support vital funding, to the tune of $4 billion, to help smaller lenders compete with the big banks. "Today I announce that I have directed the Australian Office of Financial Management (AOFM) to invest a further $4 billion in high-quality, AAA-rated Australian residential......Sun, 17 Apr 2011 23:56:32 GMThttp://www.ratesonline.com.au/resources/buying-next-home/ready-to-buy-your-next-homeWhether you are relocating, upgrading to a larger home or downsizing your empty nest, chances are your home loan needs are also changing. Whatever the reason, choosing a mortgage to go with your new home has never been so important. Change Moving home is a great time to revaluate your home loan needs because individual circumstances and finances can change over time. The same can be said......Thu, 21 Apr 2011 05:06:14 GMThttp://www.ratesonline.com.au/resources/buying-next-home/are-you-ready-to-buy-your-next-homeWhether you are relocating, upgrading to a larger home or downsizing your empty nest, chances are your home loan needs are also changing. Whatever the reason, choosing a mortgage to go with your new home has never been so important. Change Moving home is a great time to revaluate your home loan needs because individual circumstances and finances can change over time. The same can be said for......Thu, 21 Apr 2011 03:55:07 GMThttp://www.ratesonline.com.au/resources/refinancing-or-debt-consolidation/new-motivations-to-combine-your-debt What is Debt Consolidation? When two or more loans are combined into one with the aim of reducing monthly or weekly repayment amounts. Debt consolidation is also known as loan consolidation. Reasons to Consolidate In the past, people who were experiencing financial hardship have found it beneficial to roll all their loans into one. However, there is a new breed of people looking to......Wed, 27 Apr 2011 04:46:45 GMThttp://www.ratesonline.com.au/resources/refinancing-or-debt-consolidation/new-motivations-to-combine-debt What is Debt Consolidation? When two or more loans are combined into one with the aim of reducing monthly or weekly repayment amounts. Debt consolidation is also known as loan consolidation. Reasons to Consolidate In the past, people who were experiencing financial hardship have found it beneficial to roll all their loans into one. However, there is a new breed of people looking to......Thu, 21 Apr 2011 04:40:24 GMThttp://www.ratesonline.com.au/resources/insurance/what-you-should-know-about-group-income-protection-insuranceBusinesses typically protect their computers, equipment, machinery and buildings with insurance but tend to overlook their most valuable assets - their workforce.  "Group income protection insurance is one of the most highly regarded and requested employee benefits in Australia," said Amien Sym, a moneyQuest insurance adviser. What is Group Income Protection? Group income protection is......Tue, 03 May 2011 04:24:53 GMThttp://www.ratesonline.com.au/resources/insurance/more-about-income-protectionIf you rely on a wage to live, income protection insurance can help cover your costs and protect your lifestyle in the event of a sickness or injury. Income protection insurance, also called salary continuance or disability insurance, replaces your lost income if you were to become unable to work due to injury or illness. "Income protection insurance is about protecting your way of life so......Thu, 05 May 2011 00:59:24 GMThttp://www.ratesonline.com.au/resources//what-you-should-know-about-group-income-protection-insuranceBusinesses typically protect their computers, equipment, machinery and buildings with insurance but tend to overlook their most valuable assets - their workforce.  "Group income protection insurance is one of the most highly regarded and requested employee benefits in Australia," said Amien Sym, a moneyQuest insurance adviser. What is Group Income Protection? Group income protection is......Thu, 05 May 2011 00:54:58 GMThttp://www.ratesonline.com.au/resources//income-protection-cover-for-australiansIf you rely on a wage to live, income protection insurance can help cover your costs and protect your lifestyle in the event of a sickness or injury. Income protection insurance, also called salary continuance or disability insurance, replaces your lost income if you were to become unable to work due to injury or illness. "Income protection insurance is about protecting your way of life so that......Thu, 05 May 2011 01:00:03 GMThttp://www.ratesonline.com.au/resources/market-update/may-2011 May 9, 2011 Aussie dollar at record high against the greenback The Australian dollar peaked at a record $US1.10 last week.  This high has had benefit for shoppers by making imports cheaper, reduced the cost of overseas holidays and is keeping inflation rates down. New home sales higher New home sales increased in March, but volumes are still below the historical......Fri, 20 May 2011 04:06:32 GMThttp://www.ratesonline.com.au/resources/home-buyer-centre/home-loan-calculators.-a-good-place-to-start-the-home-loan-search How much money can I borrow? Use free online home loan calculators Work with an expert to lodge your home loan application Ever wondered how much money you can borrow for a home loan? Online home loan calculators can help you estimate your borrowing power and even assist in understanding what your home loan repayments will be. "Playing around with a home loan or borrowing power......Wed, 18 May 2011 03:35:22 GMThttp://www.ratesonline.com.au/resources/insurance/life-insurance-inside-or-outside-of-super Life Insurance inside superannuation Do you feel complacent about life insurance (also known as death cover) because you feel that your superannuation covers your life insurance needs? While it's true that most superannuation funds will pay benefits if you die there are limitations to be aware of. "Don't assume your super will take care of all your life insurance needs. There are many......Thu, 19 May 2011 00:24:58 GMThttp://www.ratesonline.com.au/resources/home-loan-types/a-great-home-loan-research-toolWe love to compare and shop around for good deals. And it's not just large purchases like TV's, holidays or cars that we are comparing.  Even the prices of everyday items are being compared for value. Thanks to the internet and the many comparison shopping sites available, we can research, read recommendations and even buy products and services online very easily. However, when it comes......Wed, 25 May 2011 00:46:49 GMThttp://www.ratesonline.com.au/resources/insurance/how-an-unexpected-pay-increase-can-change-your-lifeOften knowledge and experience in the work force is rewarded with a pay increase. Raises in your monthly pay packet can impact your life positively in many ways. But, did you know that you could be exposing yourself to unforseen financial hardships if you don't update your income protection insurance each time your income increases. Let's say, five years ago, when you last took out income......Tue, 31 May 2011 09:36:26 GMThttp://www.ratesonline.com.au/resources/market-update/june-2011 June 6, 2011 $1 Credit Cards and $100 Cash Australia's biggest bank, the Commonwealth Bank, is offering $1 credit cards with a $100 up front credit. The deal has been criticized by watchdog organisation Choice for having high interest fees as well as tempting consumers with unfair rewards. June 8, 2011 Official Interest Rate Stable, At Least For Another Month The......Fri, 24 Jun 2011 01:37:11 GMThttp://www.ratesonline.com.au/resources/market-update/july-2011 July 5 th , 2011 Official Interest Rates Stable for another Month As anticipated by economists, the Reserve Bank of Australia (RBA) left the cash rate steady at 4.75 per cent. The official rate has been unchanged for an 8 th month in a row. The last rate rise was in November 2010. July 11 th , 2011 Labor's New Carbon Tax Could Increase Mortgage......Mon, 18 Jul 2011 05:07:09 GMThttp://www.ratesonline.com.au/resources/market-update/august-2011 Aug 3 rd , 2011 Reserve Bank keeps interest rate steady The cash rate will remain unchanged at 4.75 per cent after yesterday's (August 2) decision by the Reserve Bank of Australia. Glenn Stevens, Reserve Bank governor, has asserted that despite global economic expansion, the June quarter saw growth slow. Stevens says: "Cautious behaviour by households and the high level of the......Sun, 21 Aug 2011 23:36:40 GMThttp://www.ratesonline.com.au/resources/market-update/september-2011 Sep 1 st , 2011 Melbourne ranked most liveable city in the world The Victorian capital has beaten out Vancouver and 138 other countries to take the number one spot in the Economist Intelligence Unit's (EIU) Liveability Ranking Report August 2011. Vancouver has held the top position for almost a decade, even sharing it once with Melbourne in 2002. Melbourne City Council has......Thu, 15 Sep 2011 04:21:18 GMThttp://www.ratesonline.com.au/resources/market-update/october-2011 Oct 6 st , 2011 RBA keeps interest rate steady for another month The Reserve Bank of Australia (RBA) have announced its decision to keep the cash rate at 4.75 per cent - making this the 11th consecutive month without change. Turmoil in global markets was once again cited as a factor weighing heavily on the decision, along with cautious behaviour from firms and households in a......Wed, 19 Oct 2011 23:07:07 GMThttp://www.ratesonline.com.au/resources/market-update/november-2011   Nov 2, 2011 Homebuyers may benefit from interest rate cuts Homebuyers may benefit from recent changes to the inflation rate, which seems set to reduce the overall cost of home loans . While many Australians spent yesterday watching the Melbourne Cup, others were keenly awaiting news from the central bank on potential interest rate cuts. The announcement comes a year......Fri, 18 Nov 2011 03:19:31 GMThttp://www.ratesonline.com.au/resources/market-update/december-2011  Dec 6th Tips on how to move house with your pet The team at Rates Online has come up with our very own moving guide for homebuyers with a pet. Firstly, it is a good idea to let your pets smell their new environment, so taking the time to walk the new house with them is a must - cats should always get first dibs on windowsills and letting them see their surroundings will......Thu, 22 Dec 2011 10:57:45 GMThttp://www.ratesonline.com.au/resources/market-update/january-2012  Jan 5, 2012 Is the walk-in wardrobe the ultimate women's retreat? For many women the walk-in wardrobe is the ultimate storage solution and a near necessity in modern life. But it can be difficult to find - if not impossible - in high density city locations or houses that were built before women had access to a platinum credit card. With this in mind it might be time to start......Sat, 21 Jan 2012 02:57:49 GMT