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Why Your Borrowing Power Has Declined (And What to Do)
- March 20, 2024
- Posted by: Serres Property Finance
- Category: Property and Finance
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Australian borrowing power has dropped over 32% since 2020, driven mainly by rising RBA interest rates. This guide explains the key factors behind the decline — the cash rate, your LVR, and lender buffer rates — and the practical steps you can take to improve your position.
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RBA Cash Rate Prediction October 2023: Hold Expected
- October 2, 2023
- Posted by: Serres Property Finance
- Category: RBA Updates
Most experts are predicting the RBA will hold the cash rate in October 2023, following global central bank trends and signs of improving inflation. Here is what a hold means for your home loan repayments, buying power, and what you should be doing right now regardless of the outcome.
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Property Market Predictions 2022-23: What to Expect
- September 22, 2022
- Posted by: Serres Property Finance
- Category: Property and Finance
Rate rises have reshaped the Australian property market. Here is what the property market predictions for 2022-23 mean for buyers, investors, and anyone watching the numbers closely.
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RBA Cash Rate Rise May 2022: Impact on Your Home Loan
- May 14, 2022
- Posted by: Serres Property Finance
- Category: RBA Updates
The RBA raised the cash rate by 0.25 percentage points in May 2022, the first rise since 2010. All four major banks passed on the increase in full. Here is what it means for your home loan repayments, your borrowing capacity, and the steps you can take to manage the change.
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RBA Interest Rate Forecast 2022: Plan for Rising Rates
- May 10, 2022
- Posted by: Serres Property Finance
- Category: RBA Updates
The RBA is set to raise the cash rate for the first time in over a decade, with all four major banks forecasting a move in 2022. Variable-rate borrowers will feel the impact through higher monthly repayments, while property prices could fall 10-20% as borrowing capacity shrinks.
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RBA Interest Rate Forecast 2022: Plan for Rising Rates
- May 10, 2022
- Posted by: Serres Property Finance
- Category: RBA Updates
The RBA is set to raise the cash rate for the first time in over a decade, with all four major banks forecasting a move in 2022. Variable-rate borrowers will feel the impact through higher monthly repayments, while property prices could fall 10-20% as borrowing capacity shrinks.
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RBA Cash Rate Hold 2021: What It Means for Home Buyers
- April 7, 2021
- Posted by: Serres Property Finance
- Category: RBA Updates
The RBA held the cash rate at 0.10% in April 2021, keeping home loan rates near historic lows. While the central bank insisted no rate rise was coming before 2024, some economists were not so sure. Here is what the decision meant for home buyers and existing borrowers.
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Home Loan Loyalty Tax: Are You Paying Too Much?
- December 17, 2020
- Posted by: Serres Property Finance
- Category: News
The home loan loyalty tax is real: Australian borrowers with older loans are paying up to 1.04% more per year than new customers, according to an ACCC report. Find out why this happens, why so many people stay put, and what you can do right now to stop overpaying.
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Property Market October 2020: Market Turns Positive
- November 4, 2020
- Posted by: Serres Property Finance
- Category: News
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