Taking a close look at APRA’s crackdown
For added context as the issue is still unfolding, please note this article was written for print in mid-June this year.
We want loan officers to be... the MOST VALUABLE FINANCIAL ADVISOR to families and borrowers who want to achieve financial freedom.
Loan officers should be competing with CPAs, financial advisors, and Realtors to deliver the best advice experience and the best financial literacy education they’ve ever received.
At the end of 2011, HML was managing nearly one in five of all
arrears cases in the UK. HML’s chief executive Andrew Jones talks
about how the servicing industry has adjusted to the challenges and
how it can help lenders go about their business in the future
What to look for when comparing lenders when sourcing bridging and development finance. Richard Whitehouse writes for NACFB's February 2020 Commercial Broker magazine.
We want loan officers to be... the MOST VALUABLE FINANCIAL ADVISOR to families and borrowers who want to achieve financial freedom.
Loan officers should be competing with CPAs, financial advisors, and Realtors to deliver the best advice experience and the best financial literacy education they’ve ever received.
At the end of 2011, HML was managing nearly one in five of all
arrears cases in the UK. HML’s chief executive Andrew Jones talks
about how the servicing industry has adjusted to the challenges and
how it can help lenders go about their business in the future
What to look for when comparing lenders when sourcing bridging and development finance. Richard Whitehouse writes for NACFB's February 2020 Commercial Broker magazine.
What is the the real cost of capital? Most individuals looking to purchase an asset do so from the wrong position. This presentation will explain the true cost of capital and interest rates. Before you make a considerable purchase, review this presentation and save yourself time, energy and money.
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The Modern Loan Officer DEFINED with Dave Savage and Kristen Messerli Mortgage Coach
Slides from our January 2018 Briefing - Watch the video below
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What’s the deal with 850? Well, if you’re a credit score aficionado like we are, you’ll recognize 850 as the absolute perfect credit score. Once you’ve hit it, there’s just no higher to go—you’ve made it.
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How lenders can capitalize on the growth in personal loansExperian
Personal loan originations have returned to pre-recession levels with sustained year-over-year growth around 20% for multiple years. Meanwhile, delinquency rates remain at historic lows and demand has been met by increased liquidity amid a low-rate environment. If you’ve been riding the wave, take note: there are signs indicating growth is leveling off. How can lenders become more efficient in finding personal loan prospects going forward to sustain growth? And if you are a lender looking to enter the personal loan space, what steps should you take to assess the marketplace and seek out the right opportunities? Learn more in this slideshare presentation.
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A guide to helping you understand your credit score.
Table of Contents:
Understanding your credit score 1
How much does a low score cost you 2
How are credit scores calculated 3
Cracking the code 7
Improving your credit score 9
This presentation provides an overview of Australian balance transfer credit cards.
Use this guide to get an understanding of what balance transfer credit cards are, how they work, how to compare them, and how to make the most of them to save you money.
What is the the real cost of capital? Most individuals looking to purchase an asset do so from the wrong position. This presentation will explain the true cost of capital and interest rates. Before you make a considerable purchase, review this presentation and save yourself time, energy and money.
Discover the ideas and working method to save your money. Inside this eBook, you will discover the topics about how to save on insurance, how to save on auto loans, how to save on mortgage loans, how to save on credit cards, how to save on gasoline, how to save on car repairs, how to save on home improvement, how to save on home heating and energy, how to save on phone service, how to save on major appliances, how to save on discount furniture and so much more!
The Modern Loan Officer DEFINED with Dave Savage and Kristen Messerli Mortgage Coach
Slides from our January 2018 Briefing - Watch the video below
The Modern Loan Officer DEFINED with Kristin Messerli and Dave Savage https://youtu.be/R7qiEmRPwME
Your Guide to Getting a Perfect Credit ScoreFundera
What’s the deal with 850? Well, if you’re a credit score aficionado like we are, you’ll recognize 850 as the absolute perfect credit score. Once you’ve hit it, there’s just no higher to go—you’ve made it.
And it’s an especially important figure for small business owners on the prowl for business financing. Out of all your financial numbers, documents, and sheets, your credit score might just be one of the most important attributes out there. There are business loans for bad credit, but your credit score can make or break the loans you’ll qualify for.
Since your credit is such a big deal, we’ve decided to build the biggest, baddest, most kickassest guide to achieving that perfect credit score.
How lenders can capitalize on the growth in personal loansExperian
Personal loan originations have returned to pre-recession levels with sustained year-over-year growth around 20% for multiple years. Meanwhile, delinquency rates remain at historic lows and demand has been met by increased liquidity amid a low-rate environment. If you’ve been riding the wave, take note: there are signs indicating growth is leveling off. How can lenders become more efficient in finding personal loan prospects going forward to sustain growth? And if you are a lender looking to enter the personal loan space, what steps should you take to assess the marketplace and seek out the right opportunities? Learn more in this slideshare presentation.
Need to Find the Funds? Look no further, Realty411 has the resources and connections you need to make your deals come to life. In this SPECIAL edition, you'll meet the leaders of Real Estate Finance. The Private Lenders.
A guide to helping you understand your credit score.
Table of Contents:
Understanding your credit score 1
How much does a low score cost you 2
How are credit scores calculated 3
Cracking the code 7
Improving your credit score 9
This presentation provides an overview of Australian balance transfer credit cards.
Use this guide to get an understanding of what balance transfer credit cards are, how they work, how to compare them, and how to make the most of them to save you money.
Everything you need to know about the top economic stories from September 2014, including the Bank of England base rate voting split, lower unemployment rate and the No vote for Scottish independence.
House magazine for the associates of Gopast. This is the eighteenth quarterly issue. Inscriptions made on stone seldom fade, this is the core of the tag line of this magazine. Truth Stays Forever. This magazine will be of interest for people engaged in the financial services industry
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Cornerstone Wealth Management's July 2017 "Investment Insights" newsletter, focusing on the Dept. of Labor's Fiduciary Rule, which should reduce conflicts of interest and protect the interests of all investors.
Legal & General Surveying Services have published an interview with Robert Sinclair, Chief Executive at AMI and AFB, in their magazine Perspective.
Robert Sinclair, Chief Executive at AMI and AFB, helped establish the Association of Mortgage Intermediaries (AMI) as an independent entity in 2012. He joined the former parent trade body, AIFA, in October 2006, initially looking after the Association of Finance Brokers. He looks after the day-to-day running of AMI and AFB delivering member information and services, lobbying regulators and policy-makers and developing press relations.
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As part of its ongoing Breakfast Forum series, BoyarMiller hosted three financial experts for a moderated discussion on The Current State of the Capital Markets 2019. The panelists were: Kamden D. Kanaly, CFP®, Chairman, KDK Private Wealth Management; John Sarvadi, Executive Managing Director, Corporate Banking, Texas Capital Bank; and Scott D. Winship, Managing Director, GulfStar Group Investment Bankers.
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Our core capital should be designed to outlive us. In fact, it’s important for you to start thinking about your money in terms of it outliving you, not the other way around. You don’t want to outlive your money.
Australia's home prices likely rose at a slightly faster pace in August (+1%) compared with July (+0.8%), based on CoreLogic's daily 5 capital city index. Brisbane (inc Gold Coast) prices are up 1.4% with Sydney and Adelaide prices both 1.1% higher.
Adelaide and Perth are the only capital cities at new highs, Brisbane is still below it's high in March 2022 based on this data (which includes the Gold Coast), though on the ground in Brisbane we are seeing data points of new all time highs in our target areas.
CoreLogic Research Director, Tim Lawless, noted the most
substantial reduction in growth has occurred in Sydney.
“After leading the upswing, the monthly pace of growth in Sydney
housing values has halved from a recent high of 1.8% in May to 0.9%
in July. Sydney has also seen a significant rise in the number of
fresh listings added to the market, 9.9% higher than the same time
last year and 18.0% above the previous five-year average. An
increased flow of new listings provides more choice and may be
working to reduce some of the urgency felt among prospective
buyers,” he said.
Brisbane and Adelaide saw the monthly pace of growth
accelerate in July, leading the pace of gains across the capitals
with housing values up 1.4% across both cities. Although the trend
in new listings has risen in these cities, Mr Lawless said the number
remains well below levels from a year ago and the previous five
year average.
Canberra was the only capital city to record a decline in values in
July, down -0.1%, while Hobart values were unchanged.
The slowdown in value growth has mostly been driven by an
easing in gains across the upper quartile of the market.
Brisbane (1.4%)
CoreLogic’s national Home Value Index (HVI) has recorded a third consecutive monthly rise, with the pace of growth accelerating sharply to 1.2% in May.
After finding a floor in February, home values increased 0.6% and 0.5% through March and April respectively.
Sydney continues to lead the recovery trend, posting a 1.8% lift in values over the month, recording the city’s highest monthly gain since September 2021. Since moving through a trough in January, home values have risen by 4.8%, or the equivalent of a $48,390 lift in the median dwelling value.
Brisbane (1.4%) and Perth (1.3%) are the only other capitals to record a monthly gain of more than 1.0%, however, the rise in values was broad-based with the rate of growth accelerating across every capital city last month.
CoreLogic’s Research Director, Tim Lawless, noted the positive trend is a symptom of persistently low levels of available housing supply running up against rising housing demand.
“Advertised listings trended lower through May with roughly 1,800 fewer capital city homes advertised for sale relative to the end of April. Inventory levels are -15.3% lower than they were at the same time last year and -24.4% below the previous five-year average for this time of year,” he said.
“With such a short supply of available housing stock, buyers are becoming more competitive and there’s an element of FOMO creeping into the market. Amid increased competition, auction clearance rates have trended higher, holding at 70% or above over the past three weeks. For private treaty sales, homes are selling faster and with less vendor discounting.”
The trend in regional housing values has also picked up, with the combined regionals index rising half a percent in April, following a 0.2% and 0.1% rise in March and April.
“Although regional home values are trending higher, the rate of gain hasn’t kept pace with the capitals. Over the past three months, growth in the combined capitals index was more than triple the pace of growth seen across the combined regionals at 2.8% and 0.8% respectively,” Mr Lawless said.
“Although advertised housing supply remains tight across regional Australia, demand from net overseas migration is less substantial. ABS data points to around 15% of Australia’s net overseas migration being centered in the regions each year. Additionally, a slowdown in internal migration rates across the regions has helped to ease the demand side pressures on housing.”
Premium housing markets in Sydney continue to lead the recovery trend. After recording a larger drop in values, Sydney’s upper quartile (the most expensive quarter) stands out with the highest rate of growth, gaining 5.6% over the past three months compared with a 2.6% rise in more affordable lower quartile values.
“Buyers targeting the premium sector of the market are still buying at well below peak prices,” Mr Lawless said.
“Although values across more expensive homes are rising more rapidly, ......
January marked a new record for how much and how fast dwelling
values have fallen in Australia. Based on the monthly index, the
national HVI is down -8.9% since peaking in April last year, making this
the largest and fastest decline in values since at least 1980 when
CoreLogic’s records began.
So far, Brisbane (-10.8%*
) and Hobart (-10.8%) have registered the
largest declines on record for those cities. Sydney home values are down
-13.8% and not far from surpassing the 2017-19 drop of -14.9% to set a
new decline record.
The third edition of the CoreLogic
Women and Property report provides
an update to the state of home
ownership for men and women across
Australia and New Zealand as of
January 2023.
Best Regards,
Linda 姬琳达珍 and Carlos Debello (LREA)
LJ Gilland Real Estate Pty Ltd
Debello LREA推荐书LJ Gilland房地产
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Via Corelogic RPData
2022 was a tumultuous year for Australia’s housing market.
Following outstanding capital growth over 2021 and into early 2022, successive interest rate rises, surging inflation, low consumer sentiment and deteriorating affordability drove a shift in the performance of residential real estate.
Today, we released our annual Best of the Best report; a seminal publication which sums up the country’s annual property performance and provides an outlook for the year ahead.
The national monthly increase of 1.3% is the slowest rate of growth since January 2021 when values rose 0.9%. The annual increase of 22.2% has added approximately $126,700 to the median value of an Australian home in the last 12 months.
Beyond the headline figure, capital city and regional home values are diversifying as stock levels rise and affordability decreases. Houses continue to outperform units, regional markets and rental growth remain strong and a rise in listings is contributing to a subtle softening in vendor metrics such as days on market and auction clearance rates.
Will it be a hot, warm or cool summer for the market?
Foreign nationals bought up more than $55.8 billion worth of Australian property during the last financial year, down 33% as the pandemic shut the country’s borders.
The Foreign Investment Board’s annual report shows property approvals were down again, having almost halved in the space of just four years.
The report shows Chinese investment was up 16% over the same period, while Queensland is quickly becoming a “top destination” for foreign investment.
According to a variety of reported opinions, it’s Brisbane’s time to shine. The city has seen a stop- start-stagnate property market for close to a decade, with myriad factors (floods, unit oversupply, high unemployment, global pandemic) keeping our values
Australian housing values finished the year 3.0% higher according to data released by @corelogicau today. The growth rate for regional housing values (+6.9%) was more than three times higher than the pace of growth across the capital cities (+2.0%)
Our Sunshine State capital is looking even brighter as at the time of writing. While we’ve had our challenges during COVID-19 (particularly in recent weeks when a few dubious border crossings have left our population holding its collective breath……………
“The blowout in rental vacancy rates for the major CBDs suggests a mass exodus of tenants occurred over the course of March and April. This might be attributed to the significant loss in employment in our CBDs plus the drop off in international students,” he said.
Brisbane and Adelaide both saw their CBD vacancy rate double as well, albeit from smaller bases, jumping to 11.3% and 6.6% apiece.
Looking at the capital city markets as a whole, Darwin proved the only exception to rising rates across the board.
CoreLogic head of research Tim Lawless said, “Although housing values were generally slightly positive over the month, the trend has clearly weakened since mid-to-late March, when social distancing policies were implemented and consumer sentiment started to plummet.”
The capital city markets generally showed a weaker performance relative to the regional markets, with the combined capital cities index up 0.2% in April compared with a 0.5% rise across the combined regional markets.
View the COVID-19 V Australian Property Report here. At a Glance:
Even with the impact of COVID-19, the experts most commonly believe in 12 months prices will be higher than they are now (27 percent of respondents).
Overwhelmingly, (72 percent) of respondents, felt that NSW would be the hardest hit.
Short Term residential rental properties, like AIRBNB and holiday homes, are in the firing line, whilst high cashflow and diversified rooming houses on fixed-term leases are highlighted as the most resilient.
Respondents said the peak COVID-19 impact would be felt between the 3 to 12-month mark from mid-March 2020
Valuing experts explore what buyers are looking for in each housing market. This is especially useful knowledge as the market establishes its direction for 2020.
Dwelling values rose by 1.1% over the month of December and by 4.0% over the quarter to finish out 2019 on a positive note according to the CoreLogic national home value index. This result represents the fastest rate of national dwelling value growth over any three month period since November 2009. Darwin was the only region amongst the capital cities and ‘rest-of-state’ areas to record a fall in values over the month, with a -0.5% decline
The CoreLogic Home Value Index results for October out today confirm a 1.2% rise in national dwelling values over the month, delivering the fourth straight month of rising values.
The October result was the largest month-on-month gain in the national index since May 2015. The recent gains come after a broad-based decline in housing values, with the national index declining 8.4% between October 2017 and June 2019. The positive October result takes national dwelling values 2.9% off their June 2019 floor, however values remain 5.7% below their peak, highlighting that despite the recent gains, home values are at a similar level to where they were three years ago.
According to CoreLogic research director Tim Lawless, the stronger rebound in Melbourne and Sydney can be attributed to a blend of factors; tighter labour market conditions and stronger population growth relative to the other capitals, coupled with the stimulatory effect of the lowest mortgage rates since the 1950’s, and improved access to credit.
MUTUAL FUNDS (ICICI Prudential Mutual Fund) BY JAMES RODRIGUESWilliamRodrigues148
Mutual funds are investment vehicles that pool money from multiple investors to purchase a diversified portfolio of stocks, bonds, or other securities. They are managed by professional portfolio managers or investment companies who make investment decisions on behalf of the fund's investors.
Collective Mining | Corporate Presentation - June 2024
For added context as the issue is still unfolding
1. Taking a close look at APRA’s crackdown
For added context as the issue is still unfolding, please note this article was
written for print in mid-June this year.
“PUT IT out! Put it out!” That’s one way you could summarise the Australian
Prudential Regulation Authority’s urgent call to banks to cool down the overheated
investor housing market in Sydney.
What set off APRA’s alarm bell was the hike in investor loan growth, which
surpassed the 10% limit that the banking regulator had asked financial institutions to
remain below late last year.
A quarterly study by APRA for March 2015 showed loans to investors had increased
by 12.4% in the last 12 months, the sharpest rise in investor lending since
September 2010.
Historically low interest rates only fuelled more investors to head to market,
prompting an intervention from the banking regulator to put the brakes on
residential lending and, in turn, slow property price gains to reduce risk in the
financial system.
What the big four are saying
2. Although changes to the lending environment have brought up speculation as to
what the long-term repercussions may be, it’s only good news for brokers, according
to Steve Kane, general manager of broker distribution for NAB Broker.
“It’s really the regulator saying that investor credit is growing, and they want to put
restrictions on that, which are uniform across the industry,” Kane says. “This is not
reflecting on brokers; it’s reflecting on the mortgage market and investors in
particular. We believe that customers will use brokers because of the added
complexity, so this will enhance the broker proposition because customers seek
3. advice, as we can tell with over half of the market seeking advice from broking … we
think that’s a real positive for broking.”
On whether upping the ante for investors will impact the broker-bank relationship,
Westpac told MPA they don’t expect it will change, but aim to keep transparent
communications with brokers going.
“We’ll continue to be open and transparent to ensure brokers not only understand
the what, but we’ll give some context as to the reason why these things are
happening,” says Tony MacRae, general manager for broker distribution. “We’ve
always taken the approach that we’d treat both channels equally on this front.”
It’s important to remember that the bottom line comes down to the customer,
explains Kieran Evans, ANZ’s head of third-party relationship channels.
“Ultimately, we are all striving for the same outcome – to deliver the customer the
best home loan experience possible,” he says. “As the market continues to change
and evolve, our focus is to keep our brokers informed as quickly as possible, and of
course we’re focused on equipping our BDM team to help our brokers navigate any
hurdles that come their way.”
Although Commonwealth Bank is making sure to stay below the 10% cap, general
manager of broker sales Sam Boer says he’s keeping an eye on the effect it’ll have
on the industry overall.
“I think there’s a lot of complexity,” he says, “and I’m a bit concerned about the
potential impact it could have on the industry; for example, we saw what happened in
2006, when the NSW state government decided to introduce new taxes on investors,
and it pretty much stalled that segment for a good few years. I don’t know how this is
going to play out, so all we can do is ride it as it happens and adjust our business
accordingly.”
4. The waiting
game
Non-major AMP Bank is, in turn, watching what the other lenders are doing, says
Glenn Gibson, head of sales and marketing.
“From a lender’s perspective, we’ve also got to understand what all the other lenders
are doing because our growth could be impacted by the policies of another lender,”
he explains. “The most important thing for us is simply a case of ‘wait and see’. Let’s
5. see where everybody lands; let’s see what the market looks like and not be fearful of
change – just look at it as another opportunity and understand where we can all grow
our business from.”
In response to APRA’s actions, AMP has tightened investor lending by changing one
of their assessment criteria for assessing repayment from 100% of rental income
back to the standard 80%, in line with the majority of other lenders. They’ve also
brought back onboard negative gearing.
“I think the hard policy changes are about to come across the different lenders, and
we won’t see the impact of that until we start seeing settlements in about three
months’ time,” Gibson told MPA in early June. “I think it’s going to be similar to pre-
GFC. It’s always good to have a very strong blend of both owner-occupied and
investor – you want to grow both investor growth and owner-occupied growth
strongly for the growth of your mortgage book. So you tweak your polices and
products to match what your blend is going to be, and I think that’s simply where we
will end up – our blend will be different.”
6. Turning to
non-banks
With APRA exercising its regulatory sway over the banks and other regulated
Authorised Deposit-taking Institutions, where do non-bank lenders stand?
7. Although La Trobe Financial sees the situation as a cyclical change only, they are
ready for the major banks’ excess investment funding to potentially shift to non-
banks.
“Our raison d’etre, since we began 63 years ago, is to service those borrowers who
are underserved by the banks,” says chief lending officer Randal Williams. “While La
Trobe Financial is not changing its policies with regard to investor borrowers, we
have a very broad product range, and we will remain a very flexible option for
investor borrowers.” The non-bank hasn’t noticed a significant increase in investment
lending as of early June, but they expect investment lending to rise over the next six
months as the APRA changes take effect.
Opportunity for brokers
MPA spoke to a number of brokers specialising in the investor space about how the
banks’ reined-in policies for investment loans have impacted their brokerages.
Top 100 Broker Peter Gwynne of Choice Home Loans Varsity Lakes thinks the time
is ripe to consolidate, given that the industry is experiencing the most significant
changes since the GFC. “I want to consolidate, wait for the changes to come in and
then look for opportunities” before the window of opportunity closes, Gwynne
explains.
He suspects the changes are temporary. “I think greed will eventually take over like it
always does, so there will be changes, but it seems to always float back to where it
was before. If it slows it right down, it’s not going to be good for a lot of industries.”
John Manciameli, principal of Sydney brokerage Hunterwood Solutions, says he’s
noticed clients are exploring areas for investment beyond Sydney and recognises
the opportunity the crackdown has presented to brokers.
“I think this is the time where mortgage brokers are really going to add value to
clients when you think about what they’re experiencing. They are seeing differences
in interest rates for starters; there are differences in LVRs; there are differences in
discounts being offered to investment property acquisitions. So for a mortgage
broker, I think this is a wonderful time because this is where you’re really adding
value to your clients’ property aspirations.”
But, he adds, it’s baffling as to why the crackdown has extended to the entire
8. country. “It’s really just a Sydney story – if you speak to someone in Perth, Adelaide,
Darwin, their prices are dropping. They’re paying for all the excesses of Sydney, but
it’s not even a big boom like in 2000 to 2004. It’s mind-boggling that they’re putting
LVR restrictions and borrowing restrictions on the country. We should be looking to
our cousins in New Zealand and saying, ‘Why don’t we put LVR restrictions on just
Sydney’, like they’re doing in Auckland.”
Calculators
Basic Calculator
Enter an interest rate, the term of the loan and
the amount you would like to borrow, to get the minimum
monthly repayment and the amount of interest paid.
Loan amount:
2500000
Interest rate:
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Loan period:
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years
Can I Afford An Investment Property?
This tool provides an estimate ofhow much an investmentproperty will cost.It combines the cash operating
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change in the investors income due to the investmentproperty.
Negative Gearing Calculator
This calculator is designed to give residential propertyinvestors an estimate ofthe net income effect of owning
an investmentproperty.
SMSF Calculator: How much can I borrow?
Could you be investing in property using your superannuation? Find outhow much you can borrow using your
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9. SMSF Calculator: How much Super deposit do I need?
How much depositdo I need in my superanuation to buy an investmentproperty? Find out how much deposit
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Basic Repayment Calculator
Enter the interestrate, the term of the loan and the amountyou are borrowing to get the minimum monthly
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Capital Gains Tax Estimator
This estimator provides an indication ofthe amountofcapital gains tax you may be required to pay on an
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Stamp Duty Calculator
Work out how much you'll owe the tax departmentfor stamp duty on your home and on the amountyou borrow.
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The RetirementSavings Calculator provides an estimate ofthe amountof moneyyou will save by the time you
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LMI Estimator
In nearly all cases,ifyou borrow more than 80 per cent of what the lender considers to be the value of the
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Home Cost Estimator
This calculator allows you to estimate the total cost of purchasing a propertyincluding all those nastyhidden
costs.
Advance Repayment Calculator
10. As well as calculating the loan repaymentand the total interestpaid the advanced repaymentcalculator shows
the effect of making additional repayments and redraws and produces a table showing the full loan amortisation.
Your Mortgage Calculator
Choose anyof our 17 easy-to-use interactivemortgage calculators and tools below to help you model any
complexmortgage and investmentrelated scenarios.