Insider Tips

The Reserve Bank Board has voted to retain the Official Cash Rate at the current record low 2% until the next RBA Board meeting in February 2016.

If your Bank has recently increased the Variable Interest Rate on your Home Loan there are two options available to you.

Option 1:  Consider switching all / part of your Home Loan to a Fixed Interest Rate with your existing Bank as the Fixed Interest Rate may be lower than your Variable Interest Rate.

Option 2: Consider refinancing to a Bank with a lower Interest Rate. (Please Note: Several Banks are currently offering to pay up to $1,500.00 to cover your refinancing costs)

Please “CONTACT US” or telephone 07 5527 4744 if you wish to discuss your options.

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

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 ! 

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.

The 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.

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 !!!

MY BANK LOVES ME … MY BANK LOVES ME NOT …

Do 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 .