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Highlands Funding

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Australia
Bowral, NSW
Highlands Funding

Tailored finance solutions for businesses and individuals; making borrowing accessible, fast and eas

20/02/2025

Whilst it's good to have the ball rolling, the consensus is we're a cut or two away from material interest relief for most people or businesses.

The forecast is for more cuts though don't expect them too quickly and be prepared to adjust expectations should inflation not behave.

Full rundown via bio.

17/07/2024

Love this one!

27/06/2024

Yesterday's inflation data isn't great news for borrowers. All eyes are now on the August 6 RBA meeting.

13/05/2022

The RBA recently initiated its fiscal policy measures to control spiralling inflation by increasing the cash rate, the first of a number of expected interest rate increases ahead.

Head to the blog via link in bio for a full rundown on how best to prepare, covering;

- Refinance options
- Best utilising your offset account
- Tax effective debt structuring
- Fixed rate options

03/05/2022

The Reserve Bank of Australia has just made the call to increase the official interest rate by 0.25%, from 0.1% to 0.35%.

The call comes amidst growing concerns around inflation which hit 5.1% for the year to the end of March, with expectation it will continue to rise.

It is the first increase to the cash rate since November 2010, and the first during an election campaign since 2007.

With a number of further increases expected over the course of the year, the average Australia mortgage will rise by hundreds of dollars a month.

The best course of action in a rising rate environment is to ensure that your starting rate is as low as possible. Most borrowers are already paying much more than they should, please get in touch if you would like a review.

29/03/2022

Here are the key take outs from Josh Frydenberg's Federal Budget announcements last night for financial year 2022-23.

Rising interest rates and slow wage growth are factored into budget predictions, yet home ownership remains a focus with regional Australia and first home buyers schemes getting a boost despite challenging financial conditions for prospective purchasers.

The Home Guarantee Scheme (previously the First Home Loan Deposit Scheme) is set to be expanded, with 35,000 spots available, up from 10,000 previously. The scheme allows first home buyers to purchase with a deposit as low as 5% without the need to pay lenders mortgage insurance.

The Family Home Guarantee supporting single parents with a deposits as low as 2% is to double from 2,500 to 5,000 allocations per year.

Regional Australia gets a boost with the release of a new Regional Home Guarantee with 10,000 allotments in a similar manner to the Home Guarantee Scheme. Regional also gets a sugar hit from a $7 billion regional infrastructure program and extension of the Regional Accelerator Program improving skills and education outside of the metro hubs.

Other notable take outs include some temporary relief at the petrol pump, tax breaks for low - middle income earners as well as farmers trading carbon credits.

17/02/2022

Proud to support and be apart of the team for the Huksi Triathlon on 26th Feb.

All in aid of brilliant local charity - any donation large or small goes to helping local women get back on their feet.

Link in bio to donate.

03/02/2022

As the economy continues to accelerate, particularly as inflation picks up faster than anticipated, the RBA has flagged a potential 2022 interest rate increase.

RBA Governor Philip Lowe stated whilst they are prepared to be patient, they will monitor the stability of recent inflation improvements before increasing rates.

Recent inflation results have been within the 2-3% target range.

Fixed rates have have shot up over recent months, with most banks continuing to raise them on a regular basis, signalling what may be ahead for the variable rate.

Whilst only a few months ago many fixed rates were below the record low variables rates, we're now back to a normalised environment where the certainty of fixed rates comes at a premium.

07/12/2021

The Southern Highlands has placed 4th on the list for worst housing affordability in Regional Australia, based on deterioration since March 2020.

The dwelling value to income ratio has risen from 9.7% in March 2020 to 13.3% in June 2021, placing the region 4th behind the Richmond Valley, Noosa and Coolangatta.

The contributing factors seem to ring in our heads;
- migration from the city is up 5.9% and migration to the city down 3.5% for the same period
- regional supply is 37% below the 5 year average
- wage growth remains low

02/11/2021

A really pleasing outcome for Cathryn refinancing her investment portfolio. Very happy to help!

22/10/2021

Over recent weeks many of Australia's largest home lenders, including NAB, Macquarie, Westpac, CBA and ANZ have increased their longer term (2-5 year) fixed rates.

Banks 'future price' their fixed rates based on where they forecast the rate market is heading. It's nearly taken for granted that rates will rise over the coming years given how low the cash rate is, however this is a material indication that rates may rise faster than previous RBA advise.

If you're looking for interest rate protection, now may be the time. Touch base if we can assist.

Address

6/20 Bundaroo Street
Bowral, NSW
2576

Opening Hours

Monday	8am - 6pm
Tuesday	8am - 6pm
Wednesday	8am - 6pm
Thursday	8am - 6pm
Friday	8am - 6pm

Website

http://www.highlandsfunding.com.au/

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