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New Generation Home Loan

November 16, 2015 in Insider Tips, Latest News, Rate Cuts

Loan Ave Template 3 e

Finally a “New Generation” loan facility has arrived whereby your Investment Property Loan can reduce the Interest Rate on your Home Loan.

Talk with our Mortgage Specialists by clicking on “CONTACT US” or telephone 07 5527 4744

Melbourne Cup Sweep

November 2, 2015 in Insider Tips, Latest News

 

WOW … What an awesome response we have had to this year’s

DPF Mortgage Specialists Melbourne Cup Sweep.

The drawing of the horses is now complete and below are the names of the lucky individuals who are in the running to win

1st Place:   $100.00 Coles Myer Voucher

2nd Place:   $50.00 Coles Myer Voucher

3rd Place:   $20.00 Coles Myer Voucher

Thank you to all who have entered and may you all enjoy the 1st Tuesday in November  celebrating the “Race that Stops a Nation”.

2015 - Names List facebook

Home Loan Rate 3.99% p.a. (CR 4.19% p.a.)

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

Help

Is your Bank increasing your Home Loan interest rate ???

There are Banks & Non-Bank Lenders who have not followed the pack and continue to offer interest rates as low as 3.99% p.a. (CR 4.19% p.a.).

CALL US … WE CAN HELP ! 

QPCU joins Broker’s panel

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

QPCU

DPF Mortgage Specialists are pleased to welcome QPCU (Qld Police Credit Union) to our extensive panel of Banks and Non-Bank Lenders.

If you or your family have ever worked with the Qld Police, Ambulance, Fire Service, Qld + Local + Federal Government, SES, Emergency Services, and many more … you may be eligible to access the low interest rates offered by QPCU.

Please call 0755274744 or “CONTACT US” if you wish to know more.

 

Westpac increases interest rates whilst other Banks reduce rates

October 14, 2015 in Insider Tips, Latest News, Rate Rises

Westpac 4

Westpac has announced an increase to the Variable Interest Rate for all existing and new Home Loans & Investment Property Loans.

The increase will be effective on 20th November 2015 with Westpac Variable Interest Rates rising to: 

Home Loans

5.68%p.a. (CR 5.82%) – Standard

4.98%p.a. CR 5.35%) – Premier Advantage Package discount of 0.70%

Investment Property Loans      

5.95%p.a. (CR 6.09%) – Standard

5.25%p.a. (CR 5.62%) – Premier Advantage Package Discount of 0.70%

 

These increases are the result of recent penalties being applied to Westpac by APRA, and whilst Westpac is incurring the wrath of APRA, other Banks are continuing to offer record low variable interest rates from:

Home Loans: 3.99%p.a.    (CR 4.43%)

Investment Property Loans: 4.14%p.a.    (CR 4.15%)

 

Based on these interest rates a Westpac customer with a loan amount of $400,000.00 can be paying higher interest charges of

Home Loans: $3,960.00 p.a. – $6,760.00 p.a.

Investment Property Loans: $4,440.00 p.a. – $7,240.00 p.a.

 

There are several options that may be available to Westpac customers to protect themselves from paying these higher interest rates.

Our Mortgage Specialists will personally be contacting all DPF Mortgage Specialists clients with Westpac loans over the coming days to discuss the impact of these changes and their options.

If you have any questions, or you have a friend / family member would like to discuss their options, please do not hesitate to call ph: 0755 274744 or click on ” CONTACT US “.

 

2% Cash Rate here to stay for a while yet

October 6, 2015 in Insider Tips, Latest News, Rate Cuts

2The Reserve Bank Board have voted to retain the Official Cash Rates at the current record low level of 2% for October.

This announcement supports the view of many senior economists who believe the Australian Economy is performing well and continuing to grow at a manageable pace.

 

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

 

MY BANK LOVES ME … MY BANK LOVES ME NOT …

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

APRA

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.

 

FREE APPLE WATCH . . .

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 .

OR

  •  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.