by Lisa Butler | Mar 29, 2017 | Home Loans, Investment, Loan Approvals
Any mortgage broker worth their salt will know that Liberty Financial has a very unique servicing model for loans with a lending value ratio (LVR) of 80% or less. In fact it is so unique that where a client is not able to meet the servicing criteria for the bigger... 
by Lisa Butler | Mar 28, 2017 | Home Loans, Investment
Adelaide Bank is the next in line to announce a rate rise and reduction of their Lending Value Ratio (LVR) for new investment loan applications received after close of business today. Their communication states “You will be well aware of the regulatory framework... 
by Lisa Butler | Mar 25, 2017 | Home Loans, Investment
Commonwealth Bank of Australia (CBA) is in a world of pain as their investment lending portfolio reaches 9% – just 1% shy of the Australia Prudential Regulation Authorities (APRA) 10% cap. As far back as November 2016 CBA started to try and slow down their... 
by Lisa Butler | Mar 23, 2017 | Education, Home Loans, Investment
The perception is that lenders in Australia move their standard variable rates in line with the Reserve Bank of Australia (RBA) cash rate. RBA raises the cash rate, lenders raise their standard variable rate for the same amount, RBA lowers the cash rate and lenders... 
by Lisa Butler | Feb 4, 2015 | Education, Investment
Using a buyers’ agent to purchase real estate is becoming more widespread throughout Australia as investors and home buyers have come to appreciate the benefits they provide. Buyers’ agents are specialists in searching, evaluating and negotiating the...