Josh Finance Man / Mortgage & Finance Broker

06/02/2024

2024년 첫 기준 금리가 발표되었습니다. 지난달과 동일한 4.35% 로 동결되었습니다. 다음달 3월 RBA Meeting 이 기다려집니다.

With the inflation rate falling, The Reserve Bank of Australia has held the official cash rate at 4.35%.

Our Executive Director Mark Haron has said that "in recent discussions with brokers, they've noted significant anticipation among borrowers."

He stressed "Now's the time for brokers to initiate new conversations. Connecting with borrowers at the right time and utilising the right tools and technology can demonstrate knowledge, value and alignment with their needs.”

Click here to view the RBA official statement with discussion on household spending, housing prices and the global outlook: https://bit.ly/481ABff

01/08/2023

[속보] RBA 에서 2달 연속으로 기준 금리를 4.10% 로 동결하였습니다.
#리파이낸스 를 통해 좋은 이율과 캐시백 보너스 (up to $4,000) 도 받으시길 바랍니다.

For the second consecutive month, the Reserve Bank of Australia has decided to hold the official cash rate at 4.10%.

Our Executive Director Mark Haron has said that "this may alleviate some pressure from borrowers, however, previous sustained rate hikes might not have fully impacted yet, and they may face potential increases in mortgage repayments, leading to financial strain and rising arrears.

“Some borrowers are refinancing to avoid defaulting on loan payments and gain some financial relief. Connective’s data shows that refinances have grown 13.5% quarter on quarter in 2023.

“The message to brokers has always been to communicate early and to be conscious of their client’s financial situation. Brokers should use this as an opportunity to continue providing valuable services - reach out to more clients, educate them on options and effective risk management, and utilise the best technology to expand reach and streamline processes for better support.”

Click here to view the RBA official statement with discussion on household spending, housing prices and the global outlook: https://bit.ly/43OWQTx

04/07/2023

[속보] 호주 중앙 은행에서 2023년 7월 기준 금리를 전 달과 동일하게 4.10% 로 동결하였습니다. 지난 5월에 이어 두번째 동결 입니다.

In what will be a relief to many home-owners and borrowers, the Reserve Bank of Australia has decided to hold the official cash rate at 4.10%.

Our Executive Director Mark Haron has said that "as the future of the rate cycle remains uncertain, underscoring the crucial role brokers play in guiding borrowers through these complex times and helping them make informed decisions.

“As predicted refinancing has spiked as fixed rates expire. Connective’s data shows a significant month-on-month increase, with a rise of 10% in refinances to $6.05 billion in applications in June.

“Brokers can capitalise on this spike in fixed rates expiring by analysing their data and conducting home loan health checks for clients nearing the end of their fixed-rate terms. Early communication, ideally 60 to 90 days prior to expiry date is key to retaining the client.”

Click here to view the RBA official statement with discussion on household spending, housing prices and the global outlook: https://www.rba.gov.au/media-releases/2023/mr-23-16.html

08/06/2023

Is your fixed rate ending soon?
Reach out to Josh to find out what your options are when it ends.

#호주 #브리즈번 #선샤인코스트 #노스레이크 #브리즈번 #한인브로커 #자동차론 #재융자 #주택융자 #무료상담

05/07/2022

지난 5월 0.25% 상승을 시작으로 지난달에 0.5% 그리고 7월 다시 한번 0.5% 기준 금리 상승으로 최종 1.35% 로 마감되었습니다. 향후 더 오를것으로 전문가들은 예상하고 있습니다. 은행들은 고객 유치를 위해 이자율 할인을 제공하고있습니다. 리파이낸스나 주택 구매 문의를 원하시면 언제든지 연락바랍니다.

The Reserve Bank of Australia has increased the official cash rate for the third month.

RBA Governor Philip Lowe said a combination of domestic and global factors are contributing to high inflation, including supply chain issues, high demands, a tight labour market and floods. He said, “the size and timing of future interest rate increases will be guided by… the Board's assessment of the outlook for inflation and the labour market”.

You can read the RBA's official statement here: https://bit.ly/3yJ4lPW

05/04/2022

일단 기준금리는 4월도 변동없이 0.1% 로 동결입니다. 하지만 은행에서는 이미 고정 금리를 기간에 따라 높게는 4% 후반까지 올렸습니다. 변동 금리는 아직 예전의 이율을 유지 중이긴 하나 향후 계속 오를 전망입니다.

The Reserve Bank of Australia has announced another hold on the cash rate, keeping it unchanged at 0.10%.

The Board wants to see evidence that inflation is sustainably within the 2 to 3 per cent target range before it increases interest rates.

Their official statement with discussion on inflation, wage growth, and the wider Australian Economy can be found here: https://bit.ly/3LKhA6f

24/11/2021

QLD suburbs named ‘best places’ to invest: ME Bank

The Sunshine State’s appeal to investors has been reaffirmed after the non-major bank’s study found Australia’s top two investment locations are in Queensland.

28/09/2021

3 main reasons to refinance your mortgage

1. You could reduce interest costs
2. You could get cash-out to buy a car, invest or renovate
3. You could consolidate debts

You could also access up to $3,000 cash back offer* with some lenders.

To find out if you are eligible for refinancing, please talk to Josh.
*Terms and conditions apply.

06/07/2021

2021년 7월에도 기준금리는 역대 최저인 0.10% 로 유지되었습니다. RBA에서 한동안은 금리 상승이 없을 것으로 보여지고 있습니다. 대출 금리도 최저인 상황이니 첫집 구매, 리파이낸스 혹은 투자용 구매에 관심이 있으시다면 언제든지 연락바랍니다. 😎

As expected, the Reserve Bank of Australia (RBA) has held the official cash rate at 0.10 per cent, retaining a record low streak.

23/04/2021

새 기록을 세웠던 0.1% 기준 금리가 수 개월째 동결되고 있는 상황에서 2024년 까지는 이 수준으로 머물것으로 내다 보고 있습니다.
첫 집이나 투자용 집을 구매하기 좋은 시기이기도 하면서 향후 경제가 회복되어 이자율이 올라 갈 경우 대출금 상환에도 무리가 없도록 전문가와 상의하여 대출하시는게 좋을 것 같습니다. 😎

30/11/2020

주정부 주택 보조금 정책중 하나인 Homebuilder Grant 가 내년 3월 31일까지로 연장되었습니다. 기존 $25K 에서 $15K 로 줄어들긴 했지만 기간이 맞지않아 포기하려던 분들에겐 좋은 소식이 될수도 있을것 같습니다. 자세한 내용은 Josh 에게 문의하시기 바랍니다 😎

The details surrounding the newly announced extension to the HomeBuilder program have been released. On Sunday (29 November), the Treasurer announced that the HomeBuilder program will be extended to 3

03/11/2020

호주 중앙 은행에서 오늘 11월 기준금리를 발표했습니다. 다시 한번 기록을 갱신하며 0.25% 에서 0.1% 로 낮추었습니다.

#호주중앙은행 #기준금리

The Reserve Bank has announced its cash rate decision for the month of November, moving in line with market expectations. The Reserve Bank of Australia (RBA) has cut the official cash rate from 0.25