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Insider Tips


March 10, 2015 in Insider Tips, Latest News, Rate Cuts

Broker vs BankWhy are more and more people seeking their new Home Loans via Mortgage Brokers rather than their Bank?


Listed below are some of the benefits many have discovered that may be appealing to you . . .


BROKER: Choose from 100’s of Home Loan options with dozens of Banks + Building Societies + Credit Unions + Non-Bank Lenders

BANK:      Limited to the Home Loans offered by the one Bank


BROKER: Your Mortgage Specialist will negotiate with the Banks to achieve lower interest rates & fees on your behalf

BANK:      Banks will only offer basic rates & nominal discounts unless the you are able to provide proof of “Other Bank Offers” & threaten to “Take your business elsewhere”


BROKER: Continue to have direct access with the same dedicated Mortgage Specialist before & after you take out a new Home Loan to ensure you can receive ongoing advice & assistance from the individual who knows your personal & financial circumstances

BANK:      Once your Home Loan has commenced you will be referred by the bank manager to the bank’s websites & call centres for any ongoing service requirements


BROKER: Your Mortgage Specialist will conduct reviews of your Home Loan and will inform you “How to achieve lower interest rates” if other Banks are offering better deals

BANK:       The Bank will not inform you if a competitor Bank has a superior loan product


BROKER: Is paid by the Bank not the client (i.e. Broker Commissions are NOT added on to your Home Loan)

BANK:      Is paid by the Bank not the client (i.e. Bank Manager Salaries are NOT added on to your Home Loan)  





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RBA Announcement …

March 3, 2015 in Insider Tips, Latest News, Rate Cuts, Rate Rises

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The Reserve Bank Board has voted to retain the Official Cash Rate at the current record low 2.25% whilst they measure the impact of the previous rate cut on the Australian economy.

Economists were split with their predictions however most expect a further 0.25% rate reduction in March or April.

Bank Assistance for Victims of Cyclone Marcia

February 23, 2015 in Insider Tips, Latest News


If you are suffering hardship as a result of Cyclone Marcia please be aware that your Bank can provide “Hardship Assistance” to help you and your family whilst you get yourselves back on your feet.

For more information please contact our Mortgage Specialists.

Using low Interest Rates to own your Home sooner

February 18, 2015 in Insider Tips, Latest News, Rate Cuts


Now is a great time for Borrowers to use the record low interest rates to own their Home sooner.

HOW ???

Many Banks will automatically reduce your Home Loan repayments when Interest Rates fall.


By retaining your Home Loan repayments at their previous level or even better … increasing your repayments you will:

1. Pay off your Home Loan faster
2. Reduce your current + future interest costs
3. Create a “Buffer” which you may be able to redraw in the future if / when required
4. Own your Home sooner

Making your money work for you now whilst rates are low will save $$$ now and $$$$$$$$$$$$$$ in the future.

Fixed Rates Drop by 0.50% p.a.

February 16, 2015 in Insider Tips, Latest News

Lock In Repayments

The recent 0.25% RBA Rate Cut has been well publicised however many Borrowers are yet to discover that Banks have slashed 3 Year Fixed Rates + 5 Year Fixed Rates below 4.50% p.a.

With Fixed Interest Rates as low as 4.28% p.a. (3 Year) and 4.39% p.a. (5 Year) borrowers are able to “Lock-In” record low Interest Rates for years.

Major Bank passes on MORE the the RBA rate cut

February 5, 2015 in Insider Tips, Latest News, Rate Cuts

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Westpac has confirmed it will be passing MORE than the Reserve Bank rate cut (RBA 0.25% p.a.) by reducing their Variable Interest Rate by 0.28% p.a.

However … don’t be too quick to heap praise on the “Big Red W” as Westpac’s Variable Interest Rate was higher than the other major banks prior to the rate drop.

WOO HOO … RBA Cuts Rates by 0.25%

February 3, 2015 in Insider Tips, Latest News, Rate Cuts

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The Reserve Bank Board has voted to reduce the Official Cash Rate by 0.25% to 2.25%.

This is the first change to the Cash Rate since August 2013 which the RBA hopes will stimulate the Australian Economy which is currently growing slowing than RBA expectations.

Senior Economists of several major banks are predicting a further rate cut in March which is great news for Australian families and the Business Sector.

Banks divided over next rate decision

January 28, 2015 in Insider Tips, Latest News, Rate Cuts, Rate Rises


The Senior Economists of Australia’s major banks appear to be divided in their predictions relating to whether the Reserve Bank will reduce interest rates when the RBA Board meets on Tuesday.

The differences in predictions relate to the latest report from the Australian Bureau of Statistics confirming significant falls in the price of fuel have reduced the quarterly CPI growth to only 0.2% resulting in a lower than expected Inflation Rate of 1.7% for the year.

As a result of the low inflation figures several of the Banks are predicting the Official Cash Rate will remain at the current level of 2.5% until late 2015 whilst their competitors are anticipating the RBA will reduce rates by 0.25% p.a. in February followed up by a 2nd rate drop in March.

The great news for borrowers is that no-one is predicting any rises in the near future to the record low interest rates we are enjoying today.

Celebrating 27 Years in the Banking & Finance Industry

December 2, 2014 in Insider Tips, Latest News


Congratulations to David Pattemore (Director of DPF Mortgage Specialists) who today celebrates 27 years in the Banking and Finance Industry.

With constant changes relating to the Banks’ approval policies + loan facilities and the ever growing need for borrowers to source accurate advice + competitive loans, it is comforting to know that DPF Mortgage Specialists has such an experienced finance professional at the helm.

If you need assistance and advice to find the right Home Loan or Commercial Loan you can talk directly with David Pattemore by clicking on “CONTACT US” or telephone 0755274744.

Mortgage Insurance reduced to $1

November 27, 2014 in Insider Tips, Latest News



ING Bank is the latest of the small Banks to launch yet another assault against the Major Banks by reducing Lenders Mortgage Insurance premiums to only $1

This equates to a saving of $8,589.00 on a new Home Loan of $400,000.00 for a borrower with a 10% deposit.

This incredible offer STARTS 26th November for a LIMITED TIME and conditions apply.

Please contact our Mortgage Specialists if you or someone you know is buying a home to confirm if you are eligible to SAVE THOUSANDS !!!