Call: (07) 5527 4744

Rate Cuts

Home Loan 2.99% p.a. – Fixed for 3 Years

June 27, 2019 in Insider Tips, Latest News, Rate Cuts


Banks are in a frenzy to compete for new Home Loans with banks offering Home Loan Interest Rates as low as 2.99% Fixed for 3 Years.

“CONTACT US” is you would like to take advantage of this record low interest rate.


(CR 4.19%)

Special Low Rates for First Home Buyers . . .

June 12, 2019 in Insider Tips, Latest News, Rate Cuts


A Special 5 Year Fixed Rate of only 3.49% p.a. is currently available for First Home Buyers … WOW !!!

This will provide FHB’s with the confidence of knowing they have secured an incredibly low rate which cannot increase for the first 5 years of their Home Loan.

Not only this, but FHB’s can make additional repayments of up to $30,000.00 to reduce their loan balance & can also redraw these additional repayments if they need to have access to these funds in the future.

Click on “CONTACT US” or call 07 5527 4744 to talk with our Mortgage Specialists

We absolutely love saving you $$$


(CR 4.63%)

Did Your Bank Pass on the Full 0.25% RBA Rate Cut ???

June 11, 2019 in Insider Tips, Latest News, Rate Cuts


Listed below are the Interest Rate reductions announced by banks following the recent 0.25% RBA rate cut




Rate Reduction:


Date to be applied:

Macquarie 0.25% p.a. 21st June 2019
ING 0.25% p.a. 25th June 2019
Auswide Bank 0.25% p.a. 2nd July 2019
ME Bank 0.25% p.a. 27th June 2019
AMP Bank 0.25% p.a. 24th June 2019
CBA 0.25% p.a. 25th June 2019
BankWest 0.25% p.a. 25th June 2019
NAB 0.25% p.a. 14th June 2019
Bank Australia 0.25% p.a. 24th June 2019
Bank of Qld 0.25% p.a. 25th June 2019
AFG 0.25% p.a. 14th June 2019
Citibank 0.25% p.a. 25th June 2019
IMB Bank 0.25% p.a. 21st June 2019
RACQ 0.25% p.a.  
Pepper 0.25% p.a. 24th June 2019
Westpac 0.20% p.a. 18th June 2019

(Interest Only Invest Loans)

0.35% p.a. 18th June 2019
St George 0.20% p.a. 18th June 2019
RAMS 0.20% p.a. 18th June 2019
Bendigo Bank 0.20% p.a. 28th June 2019
Suncorp 0.20% p.a. 21st June 2019
Heritage 0.20% p.a. 21st June 2019
ANZ 0.18% p.a. 14th June 2019
CUA 010% p.a. – 0.15% p.a. 18th June 2019


Senior Economists Predict More Rate Cuts . . .

June 6, 2019 in Insider Tips, Latest News, Rate Cuts

Many senior economists are predicting the Reserve Bank will announce a further rate reduction in the next month or 2 with a potential 3rd rate cut prior to Christmas.

 Q: Why ???

 A: They believe one rate cut will simply not be sufficient to stimulate the Australian economy to the level the RBA are seeking.

 Many banks appear to agree & are already factoring in further rate cuts by reducing their 2, 3 & 5 Year Fixed Interest Rates to new record low rates.

CONTACT US if you are considering locking part or all of your Home Loan / Investment Property Loan on a Fixed Interest Rate.


Reserve Bank Announce New Record Low Rate

June 4, 2019 in Insider Tips, Latest News, Rate Cuts

Borrowers & Home Buyers will be rejoicing the decision of the Reserve Bank Board to reduce the Official Cash Rate to a NEW RECORD LOW 1.25%.

Banks are already under pressure to pass on this rate cut in full to their customers with the Federal Treasurer Josh Frydenberg having already holding meetings with the Big 4 Banks to remind them to remain “Customer Focussed” which was a key recommendation of the recent Royal Commission.

The new government is keen to ensure this happens & senior economists agree the banks can’t afford to be stingy or else they will face a wave of borrowers seeking better offers from other banks.

 Keep an eye out for the upcoming announcements by your bank and if you are not happy … CONTACT US and we will be more than happy to negotiate with the bank on your behalf.


Broker negotiates lower interest rates for existing clients

April 2, 2019 in Insider Tips, Latest News, Rate Cuts

Massive Savings & Interest Rate Reductions for DPF Clients . . .


Yet another amazing result this month with DPF helping 5 more clients to reduce the interest charges on their existing Home Loans by a whopping $20,510.00 per year.

And to add to this awesome total of savings we also assisted two very happy clients to receive a refund of $4,003.00 from their bank. 


Q: How many of these clients needed to refinance their Home Loans to achieve lower interest rates ?

A: Nil … DPF negotiated with their existing banks on our clients behalf to reduce the interest rates on their existing Home Loans. 


Q: How much did these clients pay DPF Mortgage Specialists to receive this extra service  ? 

A: $Nil … This is all part of the ongoing service & assistance DPF Mortgage Specialists provides for our clients.


Q: How will I know if the interest rate my bank is charging me is higher than it should be ? 

A: Check your Home Loan interest rate + current loan balance via your internet banking and simply “CONTACT US”


Banks Increase Interest Rates on Home Loans

September 4, 2018 in Insider Tips, Latest News, Rate Cuts

The Reserve Bank Board may have voted to retain the Official Cash Rate at the current 1.50% p.a. however, several banks have already increased their Variable Interest Rates, with more banks expected to announced their intention to do the same over the next few weeks.

The banks are blaming “the increasing costs of funds” however the reality is borrowers can still negotiate lower interest rates with their banks despite the bank’s belief that the majority of their customers will simply “cop it sweet”.

If your Home Loan Variable Interest Rate is currently (or soon will be) greater than 3.90% p.a. … CALL ME !!!

 Many of our clients have already taken advantage of our free advice & reduced their interest rates which has saved them $$$

 We are also pleased to confirm that over 90% of these DPF clients have achieved these savings without the need to refinance or change banks.

 Please remember … WE WORK FOR YOU … not the banks … so please call me if you’re not happy with the rate your bank is charging you.


Banks charging “Loyalty Tax” to existing customers

August 7, 2018 in Insider Tips, Latest News, Rate Cuts

Please be mindful when you receive your next Home Loan Statement to view the interest rate you are currently being charged. 

We are seeing a steady increase in the number of long term bank customers who are unknowingly being charged higher interest rates on their Home Loans. 

Each week we are assisting clients to strike back & achieving lower rates with the vast majority accomplishing this with a simple phone call. 

Last week one of our clients was shocked to learn how much their bank was overcharging them & absolutely thrilled when our Mortgage Specialist passed on an “Insider Tip” which saved them $3,959.00 per annum without having to refinance or change banks.

 Q: How much was our client charged to achieve this ?

 A: $NIL

 Please take a minute to jump onto your internet banking to check your latest statement. If your bank has targeted your Home Loan you could be paying thousands more than you need to.

 Please feel free to call or email and always remember … WE WORK FOR YOU … not the bank


Banks charge loyal customers higher interest rates

April 17, 2018 in Insider Tips, Latest News, Rate Cuts


Why are banks charging higher interest rates on Home Loans & Investment Property Loans to their loyal clients whilst offering lower interest rates to new customers ?


  1. The banks have discovered that loyal clients don’t tend to “Shop Around” when seeking a new Home Loan or Investment Property Loan & rather will simply contact their bank or visit their local branch manager. As a result the banks don’t need to provide the lowest interest rate to win this customer’s business.
  2. The banks are aware that many of their loyal customers don’t look too closely at their current interest rate which appears on their Home Loan / Investment Property Loan statement.
  3. The banks are also aware that many loyal customers will simply assume their bank is continuing to provide them with a competitive interest rate similar to that which they were offered when they first established their Home Loan / Investment Property Loan.
  4. If the situation arises that a loyal client approaches their bank & requests a lower interest rate the bank believes a small discount will often be sufficient to satisfy this client.


Over the last 2 weeks alone our Mortgage Specialists have assisted 7 separate families who were not aware that the interest rates they were being charged on their Home Loans were 0.50% p.a. – 0.80% p.a. higher than the interest rates their banks were currently offering to new customers.

In dollar figures these higher interest rates cost each family an additional $1,200.00 to $5,600.00 per year.

Fortunately our Mortgage Specialists don’t work for the banks & the end results were great for all 7 of these families who, after working together with their Mortgage Specialist, are now thrilled to be keeping an additional $1,200.00 p.a. – $5,600.00 each year in their own pockets.


Please remember … Our Mortgage Specialists work for YOU … not the bank


Question: How much is your bank charging for your loyalty ???




Is your Home Loan Interest Rate too high ???

March 13, 2018 in Insider Tips, Latest News, Rate Cuts

Luke & Melissa were recently contacted by their Mortgage Specialist as the fixed interest rate on their Home Loan was due to expire. During their conversation Luke mentioned that the new interest rate being offered by their bank was 4.26% p.a.

DPF informed Luke & Melissa that 4.26% was not low enough as the same bank was offering even lower rates to new clients.

Our clients were happy for DPF to negotiate with the Bank on their behalf, and absolutely thrilled when their Mortgage Specialist informed them their Home Loan interest rate was reduced to 3.75% p.a. which saves them an additional $2,682.00 p.a. (i.e. $223.00 per month).

Not a bad result for a 5 minute chat.


Q:       How much did this cost Luke & Melissa ???

A:        $Nil


Q:       Did Luke & Melissa need to refinance their Home Loan to a new bank ???

A:        No


Q:       How ???

A:        Having your own Mortgage Specialist can save you $$$


If you or someone you know are being charged too much by a Bank click on “CONTACT US” to talk with a DPF Mortgage Specialist


Contact us directly on 07 5527 4744 or