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Insider Tips

When will interest rates rise ?

September 5, 2017 in Insider Tips, Latest News, Rate Cuts, Rate Rises



Senior Economists from Commsec (Commonwealth Bank Securities) are predicting that the Reserve Bank may retain the Official Cash Rate at the current record low level (1.50%) for up to 1 year as the Australian Economy is continuing to perform at levels that may not require any additional stimulus from the RBA.


This is great news for Home Owners & Buyers who can sleep easy without the fear of imminent rate rises.


Home Loan Rates Down . . . Investment Rates Up … RBA Rates on Hold ???

August 1, 2017 in Insider Tips, Latest News, Rate Cuts, Rate Rises

Record Low

The Reserve Bank Board voted this afternoon to retain the Official Cash Rate on hold for the 12th consecutive month with some Senior Economist predicting another 12 months before the RBA will raise rates. 

Understandable many investors are scratching their heads asking why their interest rates have risen over the last few months … The answer is due the new capital requirements & policy restrictions which have been imposed by ASIC & APRA resulting in a higher “Cost of Funds” for investment loans & interest only loans. 

The “Good News” for home owners / buyers is many banks have recently reduced their interest rates on “Owner Occupied” Home Loans to rates under 3.99% p.a.

Some banks have also been a tad sneaky by advertising low rates for new customers but not passing on the lower rates to existing clients unless they demand a better deal.

 If your bank is charging you higher interest rates please call DPF Mortgage Specialists (07 5527 4744) ASAP or “CONTACT US” to find out how you can stop paying more than you should be.



$20,000 First Home Owners Grant extended

July 17, 2017 in Insider Tips, Latest News


Great News for First Home Buyers …

The $20,000 First Home Owners Grant has been extended in Queensland until the 31st December 2017.
Conditions apply so please call 07 5527 4744 to talk with one of our experienced Mortgage Specialists to discover if you are eligible or CLICK HERE to view the Qld Government website.

DPF say “Thank You” with Nespresso Coffee Machines

June 6, 2017 in Insider Tips, Latest News, Rate Cuts, Rate Rises

Red Coffee Machine

The DPF Team are so very grateful for the generous support we receive from so many of our clients who regularly recommend our services to their family, friends & work colleagues.

As a means of thanking & acknowledging our wonderful clients for their efforts DPF Mortgage Specialists will be gifting a new Nespresso Coffee Machine to every client who recommends a family member, friend or work colleague who takes out a new Home Loan with DPF Mortgage Specialists (minimum new loan amount $150K).

Our clients are welcome to recommend as many family & friends as they wish as there are no restrictions as to how many coffee machine they can receive. You can have a coffee machine at home, at work, in the caravan or if you don’t like coffee we are sure your friends would love to receive a Nespresso Coffee Machine as a house warming gift.

This offer commences on 1st June 2017 & will expire on 30th September 2017.

New Home Loan amount required to be a minimum of $150,000.00.

New Home Loans to be unconditionally approved by the Bank / Lender on or before 30th October 2017 & settled in full on or before 30th November 2017.

All eligible Home Loan Applications are required to be received by 5pm (EST) 30th September 2017 & lodged with the Bank / Lender no later than 5pm (EST) on 6th October 2017.

Clients can select from either the Nespresso Breville Inissia Capsule Machine (BEC200XR) or Nespresso Delonghi Inissia Capsule Machine (EN80BAE) – Subject to availability.

This offer is restricted to clients of DPF Mortgage Specialists only.



Pre-Approvals can cause your Finance Application to be Declined

May 2, 2017 in Insider Tips, Latest News

fingerprintMany potential borrowers believe that seeking a “Pre-Approval” from several Banks will be beneficial however most potential borrowers are not aware that these Pre-Approvals can result in their application for finance being Declined by the Banks.

WHY  ???

  1. Every time you apply for a “Pre-Approval” a “Credit Enquiry” (fingerprint) is recorded on your Credit Report even if you do not proceed with the finance
  2. Many Banks will automatically decline your Application for Finance if you have 3 or more “fingerprints” recorded on their credit report within the last 6 – 12 months
  3. DPF Mortgage Specialists can discuss your “Pre-Approval” directly with the Bank’s decision makers without leaving any fingerprints on your credit report
  4. DPF Mortgage Specialists have maintained an approval strike rate of over 99% of all finance applications lodged over the last 5 years
  5. A Pre-Approval from a Bank is not a guarantee that your application for finance will be approved, but rather this is a basic review by the Bank’s computer scoring system known as an “Approval in Principle”.

If you, your family or friends are seeking Finance Approval or Pre-Approval please call or click on “CONTACT US” & we will be more than pleased to assist you.

Easter Egg Giveaway …

March 10, 2017 in Insider Tips, Latest News



Easter Giveaway …

Easter Eggs 1

Easter is not far away and the DPF Team are giving away this VERY scrumptious mountain of Easter Eggs & Bunnies to one of our wonderful clients.

To enter all you need to do is …

  • Click on “CONTACT US” or email
  •  Type your name
  •  Guess how many Easter Eggs & Bunnies are hiding safely from Kelly within this vase

Whoever can guess the correct number of chocolates will be our lucky Winner (or is the closest to the correct number).

You can enter only once so have a close look before you reply, or if you wish to, you are welcome to drop into the DPF Mortgage Specialists office to have a closer look.

The Winner will be announced just prior to Easter on Monday 10th April.

If by chance more than one of our clients have guessed the correct amount, the Winner will be whoever was the first to reply … So don’t wait too long to enter.

Good Luck & Happy Counting.

Borrow 100% of Purchase Price + Pay $Nil Mortgage Insurance

March 8, 2017 in Insider Tips, Latest News


Family Guarantee 1Can’t buy your new home until you have saved your deposit  ???

Did you know you can borrow 100% of the purchase price + pay $Nil Mortgage Insurance.

How ??? … With a little help from your parents.

If you wish to know more please feel free to talk to our Mortgage Specialists ph: 07 5527 4744

or click on “CONTACT US”.


RBA Rate Announcement … March 2017

March 7, 2017 in Insider Tips, Latest News, Rate Cuts, Rate Rises

Reserve Bank

Good News for Australian Families …

The RBA Board has voted to retain the Official Cash Rate at the current record low 1.50% p.a. for at least the next month.



Final Day for Discount on GCCC Rates

February 9, 2017 in Insider Tips, Latest News


reminder-imageTODAY is the FINAL DAY to receive the discount on your GCCC Rates bill.

Why pay more than you need to ???

And the Winners of the DPF Christmas Hampers are . . .

December 19, 2016 in Insider Tips, Latest News


christmas-hamper-2016 Congratulations to these 3 lucky clients who each will be receiving a DPF Christmas Hamper to enjoy with their family this Christmas.

Danny Morris

Laura Lees

Rachel Stagg

Thank you to all our wonderful clients for your support throughout this year & the many years prior.

The DPF Team are so very fortunate to work with such amazing clients and we wish you & your families a truly wonderful, safe, happy & memorable Christmas.

We look forward to helping you & your friends again in 2017.