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DPF Clients save extra $2,000.00 p.a.

September 22, 2015 in Insider Tips, Latest News, Rate Cuts

Businessman hands holding money - Australian dollar bills

WOO HOO … The Joys of Success

We are pleased to confirm that several of our clients have successfully challenged their Bank to “SHOW THEM THE LOVE” and have achieved savings of over $2,000.00 per year on their Home Loans.

These savings were achieved without the need to refinance and for the cost of a phone call following great teamwork between our clients and their Mortgage Specialists. The great savings and lower interest rates achieved are in addition to the discounts these clients were already receiving on their Home Loans.

Receiving “Insider Hints” to save your money is all part of the ongoing service & advice provided to DPF clients by their Mortgage Specialist.

After all … We don’t work for the Banks … WE WORK FOR YOU !!!


Make your Bank … “Show You the Love”

August 26, 2015 in Insider Tips, Latest News, Rate Cuts



BankingSatSurvey_LEADDo you ever feel unappreciated when your Bank advertises amazing Home Loan deals to attract New Customers but does not offer the same amazing deals to their existing customers.

This is what we commonly refer to as the “Loyalty Tax”.


How can you make your Bank “Show you the Love” and offer you massive discounts off your Home Loan Interest Rates & Loan Fees ?

The simple answer is …

  1. Tell your Bank you wish to stay but are prepared to take your business elsewhere
  2. Contact your Bank via the telephone number on your Loan Statement (i.e. NOT  your local Bank Manager) to ensure you are connected to the “Client Retention Department” as this department actually has the authority to “Do what it takes to retain your business”
  3. Tell your Bank of the amazing deals which are available with other Banks
  4. Pause on the phone for 10 seconds and watch the Bank work their tails off to “Show you the Love”.


Why will my Bank listen to me ?

  1. All Banks are very well aware that it costs far less to authorise discounts to retain an existing customer, then the costs involved to attract new clients
  2.  There is no benefit to be achieved by the Bank if they attract 5 new customers whilst at the same time also losing 5 existing customers
  3. Your Bank is prepared to authorise discounts for the few customers who actually take the time to ask, as this is only a small expense compared to the huge profits your bank will continue to earn off the vast majority of customers who are not prepared to ask.


If your Bank does not appear to value your business or you are not “Feeling the Love” please click on contact our Mortgage Specialists on 07 5527 4744 as we don’t work for the Bank … WE WORK FOR YOU .



Interest Rates … Up for Investors … Down for Owner Occupiers

August 10, 2015 in Insider Tips, Latest News, Rate Cuts, Rate Rises


The Government Regulator (APRA) has thrown the cat amongst the pigeons within the Banking Industry by making major & immediate changes to the Investment Credit Policies & Lending Requirements for Banks.


The impact of these changes will vary significantly from Bank to Bank due to APRA introducing different rules & requirements for each Lender. The result of such variances is creating vastly different responses by each individual Bank with several being forced to increase interest rates on Investment Property Loans whilst others are having to reduce the maximum loan amounts they can lend to Investors. Other Banks are taking a different tact by seeking to encourage new Home Loans from Owner Occupiers by offering lower Interest Rates for Owner Occupier Home Loans and offering new Home Loan customers of up to “$2,000.00 Cash Back”.


With even more changes anticipated over the next few weeks there are plenty of reasons for Borrowers to be both concerned and excited however it is vital to KEEP AN EYE ON YOUR HOME LOAN and INVESTMENT PROPERTY LOAN as the Banks are making changes on a daily basis and whilst there will be amazing opportunities available there will also be many potential pitfalls to be wary of.


If you wish to discuss how you can navigate your way through all the confusion & ongoing changes please contact our experienced Mortgage Specialists.



August 4, 2015 in Insider Tips, Latest News

I Watch

Thank you so very much to all for your wonderful support.

Here we are heading out once again to deliver more Apple Watches to our clients who have kindly recommended several of their family & friends to DPF Mortgage Specialists.

As a result of your wonderful support we will be continuing to reward our clients with a new Apple Watch until 30th September 2015.

If you would like to receive a new Apple Watch all you need to do is:

  •  Recommend 2 new clients who proceed with new Home Loans with DPF Mortgage Specialists between 1st May 2015 – 30th September 2015 .


  •  Take out a new Home Loan with DPF Mortgage Specialist and recommend a new client who proceeds with a new Home Loan with DPF Mortgage Specialists between 1st of May 2015 – 30th September 2015.


Please click on “Contact Us” or telephone 07 55274744 if you wish to know more.

Banks Waive Mortgage Insurance for Professionals

July 29, 2015 in Insider Tips, Latest News


Team of workers together in an office setting

Banks are offering $Nil Mortgage Insurance on Home Loans for Professionals within specific industry groups in the hope that these amazing savings will entice new business from targeted sections of the community.

By waiving the requirement for Lender’s Mortgage Insurance for loans up to 90% of the property value (i.e. LVR 90%).
eligible Professionals can achieve significant savings of $8,590.00 – $58,642.00 for Home Loans of $400,000.00 – $2,000,000.00 (LVR 90%).


Accountant, Finance Manager
Auditor, Actuaries
Barrister, Lawyer, Solicitor
Engineer, Surveyor, Mine Surveyor
Quantity Surveyor
Geologist, Geophysicist
General Practitioners, Hospital-Employed Doctors
Medical Specialists, Dentists
Optometrists, Pharmacists
Veterinary Practitioners

The Banks offering these discounts have varying eligibility criteria relating to the industry groups, individuals, home loans & loan purposes.

To learn more click on “CONTACT US” or phone (07) 5527 4744 to talk with our Mortgage Specialists


Major Bank Rate Hike for Investors

July 27, 2015 in Insider Tips, Latest News, Rate Rises

CBAThe Commonwealth Bank is penalising Investors by charging higher interest rates of up to 0.40% p.a. for Investment Property Loans.

These rate increases do not apply to Owner Occupied Home Loans and has sent a clear message by the CBA to investors to “Take Your Business Elsewhere” if you wish to achieve a competitive interest rate for your Investment Property Loan.

Fortunately for Investors there are many alternative Banks & Non-Bank Lenders with low interest rates who are more than keen to welcome investors as new clients.

If you have a Commonwealth Bank Investment Loan & would like to know more click on “CONTACT US” or talk to our Mortgage Specialists on ph: 0755274744

Bank offers $1500 Cash to Win Your Home Loan

July 22, 2015 in Insider Tips, Latest News, Rate Cuts

Businessman hands holding money  - Australian dollar bills

The competition between the Banks to entice new Home Loan customers is intensifying with offers of “$1,500.00 Cash Back” for borrowers seeking new Home Loans to purchase an Owner Occupied Home or Unit.

The “$1,500.00 Cash Back” is also being offered for borrowers wishing to refinance their existing Owner Occupied Home Loans to achieve a lower interest rate.

These are not the only amazing offers available to DPF clients as our Mortgage Specialists are continuing to successfully negotiate “Amazing Discounts” on behalf of our clients as the Banks are being forced to “Jump through the Hoops” if their Home Loans are to be considered by informed customers who deserve & demand a better deal.

This is great news for Home Buyers and Home Owners seeking a better deal from the Banks.

Talk to our Mortgage Specialists to learn more and to discover the great deals the Banks are willing to offer you to win your business.

Major Bank Imposes Restrictions on Investors

July 8, 2015 in Insider Tips, Latest News


Westpac Bank has announced significant changes to their lending policies for borrowers seeking to purchase an Investment Property.

Westpac will restrict investors to loan amounts up to 80% of their property value. This will impact greatly on the tax deductions able to be achieved by Westpac clients as they will now be required to contribute the 20% Deposit + Stamp Duties + Purchase Costs from their own funds rather than being able to borrow these amounts and claiming the interest as a tax deduction.

Whilst several other Banks have also announced similar restrictions on investors,  industry insiders do not anticipate these policies to be adopted by the entire banking industry.

Q:    Can Investors access loans that will allow them to borrow more than 80% of their property value ?

A:   YES … Our Mortgage Specialists have access to over 30 Banks and can source a Bank who has NOT introduced restrictions or discrimatory approval policies targeting Investors.


Please click on “CONTACT US” if you wish to know more or feel free to speak with an experienced Mortgage Specialist on ph: (07) 5527 4744 to ensure you are able to source the right loan to suit your specific requirements.


New Lending Rules for Property Investment Loans

June 24, 2015 in Insider Tips, Latest News


New + experienced Property Investors are becoming increasingly frustrated by the new lending rules which differ greatly from Bank to Bank.

The good news is … If your Bank says “No” other Banks may say “Yes”.

Please contact our Mortgage Specialist as they know all the new rules and can inform you as to which Banks can help & which Banks can’t.

Are interest rates still on the way down ?

June 12, 2015 in Insider Tips, Latest News, Rate Cuts

RBA Governor 3

The Reserve Bank Governor (Glenn Stevens) confirmed in a speech to economists in Brisbane this week that further interest rate drops are possible however the RBA believes improvements in Government policies & spending on capital works is a preferred option to stimulate sustainable growth in the Australian economy.

The good new for Borrowers is that no-one is current talking about rates increasing from their current record low level.