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Insider Tips

Christmas Hamper Giveaway …

December 13, 2016 in Insider Tips, Latest News

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The Team at DPF Mortgage Specialists absolutely LOVE Christmas and as a token of our appreciate for all the wonderful support we receive from our clients we are giving away 3 Christmas Hampers.

To be in the draw to receive one of these Christmas Hampers simply send an email with your name to mail@dpfinance.com.au or click on “CONTACT US” and type your name + “Christmas Hamper” in the comments field.

The names will be drawn & the lucky clients notified on Monday 19th December.

Good luck to you all and may you enjoy a wonderful, safe & memorable Christmas with those you hold dear.

Merry Christmas from the DPF Team 🙂

BANKS INCREASE FIXED INTEREST RATES . . .

November 25, 2016 in Insider Tips, Latest News, Rate Rises

rates-rise

The days of locking in a record low interest rate on your Home Loan may be behind us with several banks (including Westpac) confirming they will be increasing their Fixed Interest Rates by up to 0.50% p.a.

DPF Mortgage Specialists have confirmed that Westpac will be increasing their 2, 3 + 5 Year Fixed Interest Rates as at midnight this Sunday.

The biggest increase for Westpac will relate to the 5 Year Fixed Interest Rate which will rise from 3.89% p.a. to 4.39% p.a. (Premier Advantage Package Home Loan).

Based on a $400,000.00 loan you could save up to $10,000.00 over the 5 Year Fixed Rate term by contacting Westpac today (ph: 132558) rather than waiting until Monday.

If you are not with Westpac & are considering locking in your interest rate, you may need to act fast as “Other Banks” are likely to consider following the lead of Westpac, ING, Bank of Qld, Rams & ME Bank, who have already jumped to increase their fixed interest rates.

Please note that no changes have been announced at this time relating to Variable Interest Rates.

I hope this early “Heads Up” will help you to save your $$$$

 

2016 DPF Melbourne Cup Sweep

October 31, 2016 in Insider Tips, Latest News

 

WOW … Once again we have received an awesome response to the

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 . . .

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PRIZES

1st       $200.00

2nd      $100.00

3rd      $50.00

1:   BIG ORANGE Tracy Craven
2:   OUR IVANHOWE Karyn Garrard
3:   CURREN MIROTIC Hamish & Fiona Hooker
4:   BONDI BEACH Phil Symons
5:   EXOSHERIC Thea Blanch
6:   HARTNELL Jason Lowther
7:   WHO SHOT THE BARMAN Corey Braine
8:   WICKLOW BRAVE Janette Cameron
9:   ALMOONQITH Rachel Stagg
10: GALLANTE Rob Munton
11: GRAND MARSHAL Wayne Sullivan
12: JAMEKA Karl Estreich
13: HEARTBREAK CITY Zoe Ross
14: SIR JOHN HAWKWOOD Steve Brindley
15: EXCESS KNOWLEDGE Paul Gurnett
16: BEAUTIFUL ROMANCE Megan – Barry Cotter
17: ALMANDIN Angus Saunders
18: ASSIGN Devon Jeffery
19: GREY LION Jade Hinchciffe
20: OCEANOGRAPHER Scott Bennett
21: SECRET NUMBER Peter Clark
22: PENTATHLON Steven Marks
23: QEWY Andrew Parks
24: ROSE OF VIRGINIA Patricia Brooks

Thank you to all who entered and GOOD LUCK to you all in the “Race that Stops a Nation”

How to ask your bank for a lower interest rate ?

August 31, 2016 in Insider Tips, Latest News, Rate Cuts

 

secret_box11We all know that Australian Banks are very keen to make huge profits, however, did you know that in many circumstances it is more profitable for a Bank to reduce the interest rates on a Home Loan to retain an existing customer rather than incurring the significant cost to replace a customer.

 

The amazing thing is … MOST CUSTOMERS DON’T ASK !!!

 

What do you need to do …

Step 1:    Know your current interest rate

Step 2:    Research what other Banks are offering (including offers to cover the costs of refinancing)

Step 3:    Call the phone number noted on your loan statement (i.e. NOT your Bank Manager) and advise the Bank you are considering leaving & quote the lower interest rates you can achieve with other Banks.

Step 4:    Ask the Bank if they will match this offer to retain your business.

 

PLEASE REMEMBER: If you have a Mortgage Broker please contact them first, as they are experienced with these negotiations & may have access to even lower interest rates not advertised publicly by the Banks. Your Mortgage Broker can use these lower interest rates to achieve even greater savings for you.

 

Final day to receive discount on GCCC rates bill

August 11, 2016 in Insider Tips, Latest News

Gold Coast 1.1

URGENT REMINDER …

Today is the FINAL DAY to receive the discount on your GCCC rates bill.

Pay today to ensure you are not paying more than you need to.

After all … Surely the extra $$$ will be better off in your pocket rather than the council’s coffers.

 

RBA Cut Rates to 1.50%p.a.

August 2, 2016 in Insider Tips, Latest News, Rate Cuts

1.50The RBA Board has reduced the Official Cash Rate to a new record low 1.50% in the hope this will stimulate the Australian Economy to combat the current low levels of inflation.  

The RBA is hoping Australian families will start spending more on ourselves if we are paying less interest to the Banks for our Home Loans.

The question is … Will the Banks play their part by passing on this rate cut in full ???

Will interest rates continue to go down

July 27, 2016 in Insider Tips, Latest News, Rate Cuts

 

RBA Cash RateBorrowers & home buyers who are asking “will interest rates continue to go down” will be pleased to learn that the lower than expected Inflation Figures have  Senior Economists confident in their predictions that the Reserve Bank will seek to stimulate the Australian Economy by  reducing the Official Cash Rate to a new record low when the RBA Board meets again on the first Tuesday of the month.

Borrowers can be comforted by this news with the majority of economists also predicting interest rates will remain low for some time to come.

RBA Announcement . . .

July 5, 2016 in Insider Tips, Latest News, Rate Cuts, Rate Rises

Turnbull ShortenThe Board of the Reserve Bank has voted to retain the Official Cash Rate at the record low 1.75% and will continue to monitor the impact on the Australian economy as it reacts to uncertainty following the federal election.

The only good news for borrowers is that hopefully the seemingly never ending election coverage will be over shortly.

 

BREXIT – How will this impact on Australia

June 27, 2016 in Insider Tips, Latest News

Brexit

With the United Kingdom (or not-so United Kingdom) recently voting to remove itself from the European Union (EU) many Australians will be asking themselves …

What happens next ???

How will BREXIT impact on Australia ???

Attached is a link to an article written by Riccardo Briganti (Investment Specialist – BT Advice Research) which may assist to answer these questions.

http://f.datasrvr.com/fr1/616/46373/Brexit_-_Hope_or_Glory.pdf

 

First Home Owners Grant increased to $20,000

June 16, 2016 in Insider Tips, Latest News

fhog

Great news for first home buyers in Qld as the State Government has announced the First Home Owners Grant (FHOG) will be increased to $20,000.00 (previously $15,000.00).

This increase is effective on 1st July 2016 however will only last for 12 months.

To learn more & to confirm if you are eligible click on the Qld Government link below

https://firsthomeowners.initiatives.qld.gov.au/