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Mortgage:
A loan in which the borrower (the mortgagor) offers a property and land as security to the lender (the mortgagee) until the loan is repaid. Repayments of the loan are usually made on a monthly basis over a long period of time, typically 25 years.

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Finance-Australia.net :: Articles

Finance-Australia.net Articles

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Finance Articles

7 things you need to know about a Hire Purchase loan 7 things you need to know about a Hire Purchase loan
There are seven things you should know before you ever think of getting a Hire Purchase loan. Knowing these things will give you control and power in the loan process. Power and control will will save you money - read more
Understanding and Improving Your Credit Score: A Guide for Australian Consumers Understanding and Improving Your Credit Score: A Guide for Australian Consumers
Your credit score is a crucial factor that lenders use to determine your creditworthiness and your ability to repay loans and credit card debts. It is a numerical representation of your credit history, and it ranges from 0 to 1,000. The higher your credit score, the more likely you are to be approved for a loan or credit card, and to be offered lower interest rates. - read more
How Credit Card Balance Transfers Can Damage Your Credit Rating How Credit Card Balance Transfers Can Damage Your Credit Rating
Since the banks and finance providers have been castigated for the way they seemingly indiscriminately awarded credit to people who could ill afford it, the chances of being accepted for loans and credit cards have decreased. Concurrently, there is a greater focus on individual's being aware of how credit works and what their financial behaviors means in terms of a credit score and history. - read more

Finance News

Struggling with Mortgage Payments? You are Not Alone: 1.2 Million Aussie Households Affected Struggling with Mortgage Payments? You are Not Alone: 1.2 Million Aussie Households Affected
30 Jan 2023: .financialservicesonline.com.au

The impact of rising mortgage rates on Australian households is a growing concern, according to Roy Morgan Research. The research firm has conducted a study that models the effects of the current 3.1% increase in the Official Cash Rate (OCR) and the possibility of two more 0.25% rate hikes in February and March. - read more
Rising Inflation Pushes RBA to Consider Interest Rate Hikes in February Rising Inflation Pushes RBA to Consider Interest Rate Hikes in February
27 Jan 2023: .financialservicesonline.com.au

The Australian economy is facing a likely increase in interest rates in February, as inflation hits its highest rate in 33 years. The latest Consumer Price Index figures show that inflation reached 7.8% in 2022, with a 1.9% increase in the December quarter alone. This increase in inflation is largely attributed to a post-pandemic spend-a-thon, with domestic holiday travel and accommodation rising 13.3% and international holiday travel and accommodation rising 7.6%. Additionally, rents increased by 4% and power bills by 8.6%. - read more
Interest rates up another 50 basis points with more hikes to come Interest rates up another 50 basis points with more hikes to come
03 Aug 2022: .

As was expected, the Reserve Bank of Australia (RBA) raised interest rates by another 50 basis points this month. The fourth rate hike in as many months, today’s decision takes the cash rate from an emergency low of 0.1% to 1.85%. - read more