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How do you make the most of a low cash rate?

Not everyone knows exactly what to do when the Reserve Bank drops the cash rate and holds it low - but here are some options available to you. As you likely heard, the Reserve Bank of Australia dropped its official cash rate back in February to 2.25 per cent, and has since decided to hold

RBA leaves cash rate at 2.25%

The cash rate has remained on hold at 2.25% however, the RBA speculates that another rate cut is on the way. Both moderate global economic growth and a below-trend pace of domestic growth are the key reasons for the RBA board deciding to leave the cash rate at 2.25% today. However, in

Rates to stay on hold after last month’s reduction.

The RBA has left the cash rate on hold for another month, despite speculation it would drop again. With recent inflation levels remaining low, there was division amongst industry experts as to whether another rate cut was on the table for March. However, the Reserve Bank of Australia Board has elected

Construction Loans

If you are thinking of building your own home, you will need to be familiar with the ins and outs of construction loans. Construction loans are just not as straightforward as simple home loans. There are additional decisions to be made about the structure of the loan, additional documentation is required

Why You Need To Know Your Interest Rate

Interest rates are a big factor in each repayment and the total cost over the life of a loan, so staying on top of your current rate as well as the interest trends across the market is essential. By staying on top of interest rates, borrowers can make informed decisions about

How depreciation can create investment property cash flow

What do light fixtures, flooring, garbage bins and shower curtains have in common? They all age, wear out, and depreciate in value. They are also items that property investors can claim against their taxable income. For owners of income-producing property, depreciation is a valuable source of tax deductions – and 8 in

Take an interest in your home loan for a happier New Year

Read your home loan statement lately? Do you know your loan’s interest rate? If your home loan paperwork is gathering dust, make it a New Year’s resolution to get reacquainted in 2015. A simple review of your home loan could uncover serious savings. Reviewing your loan can be as easy as asking yourself these 5 simple

Stress-test your repayments this holiday season

Over Christmas, when the credit card often gets a workout, it’s easy for budgets to go AWOL. It can also be a time when financial complacency creeps in. Have you ever asked, ‘what would happen to my loan repayments if my financial circumstances changed’? If your employment status changed, could you keep meeting your

RBA keeps interest rates on hold for another month

The trend has continued, with the Reserve Bank of Australia announcing that there will be no change in the current cash rate. This means that for the 15th consecutive month Australia’s official cash rate has remained at the record low of 2.5% pa. In a statement released by the RBA Governor Glenn