Bright Mortgage Pty Ltd

06/12/2022

RBA cash rate raised to 3.10% (+0.25%)
The Reserve Bank of Australia (RBA) today decided to increase the official cash rate for the eighth consecutive month, this time by 0.25% to 3.10%.
Today's increase follows speculation that rates may be starting to approach their peak with falling house prices in some capital cities, decreasing demand for credit and lower October inflation numbers.
If you'd like to have a chat about what today's news means for you and your finances, please don't hesitate to get in touch.

世界情勢が安定せず、国内のみならず世界的にインフレ率が高すぎるという事で、今回も0.25％のキャッシュレートが上昇しました。世界経済の状態、賃金や物価に応じて更に金利上昇が起こる可能性があるとの発表がありました。　
今月中旬よりホームローン、ビジネスローン、固定金利と様々な金利が上昇する事となります。

ホームローン金利の見直しで支払額に大きな差が出る可能性があります。当社サービスは無料となります、ご相談お待ちしております。

04/10/2022

The official cash rate has lifted again today to 2.60% for the sixth consecutive month.

The increase will impact any homeowner with a variable-rate or split home loan, or anyone considering taking out a new loan. But it isn’t only repayments that will be impacted. The increasing cash rate also impacts borrowing power.

When interest rates rise, your borrowing power is likely to decrease. This is because the repayments will increase and if your income isn’t also increasing, your ability to service that loan will drop. Let’s have a look at how borrowing capacity can be impacted as interest rates rise....

I’m here to support you;)

オーストラリア準備銀行のキャッシュレートが本日付で0.25%上昇し2.60%になりました。
この上昇に伴い、ホームオーナーで変動金利で融資を受けている方の金利も上昇する事となります。　月々の返済額が増えるのみならず、　新しく融資を考えている方の借入額が減る事となります。

金利上昇＝返済額上昇になりますので、結果的に借入額が下がる事となります。今年いっぱいは上昇が続きそうですが、　今現在の金利が高い方はリファイナンスという手続きで金利が下がる可能性があります。

手数料は一切かかりませんので、見直しが必要な方はお気軽に当社へお声かけください。

神田

25/01/2018

https://www.sbs.com.au/yourlanguage/japanese/ja/audiotrack/kiyoshi-kanda-director-mortgage-finance-consultant-bright-mortgage?language=ja

SBSラジオに取り上げていただきました。

日本人コミュニティーでのモーゲージ・ビジネス、その傾向、所見について、また、イクメン仕事との両立の辛さと喜びなどについて語る。 ２０１８年１月２５日放送。 ＊ご注意：不動産投資のアドバイスではありません....

09/08/2017

https://www.facebook.com/realcommercial/posts/1363665637064860

15/04/2017

https://www.facebook.com/domain.com.au/posts/10154652467379671

For Melburnians who've long complained of growing house prices, the comfort has been that at least the situation isn't as bad as Sydney. Not for much longer.

24/03/2017

http://www.afr.com/business/banking-and-finance/financial-services/anz-cant-differentiate-pricing-for-interestonly-loans-20170322-gv3x9h

ANZ is urgently working on technology shortcomings to allow it to recover additional costs if new limits are put on housing lending.

20/03/2017

http://www.vic.gov.au/affordablehousing/buying-a-house-in-victoria/abolishing-stamp-duty

Buying your first home is getting harder. House prices are rising and the upfront costs – a deposit, stamp duty and fees – can be a huge hurdle.

17/03/2017

http://www.realestate.com.au/news/firsthome-buyer-stamp-duty-savings-will-affect-melbourne-suburbs-differently/?rsf=ps%3Afacebook%3Anews%3Avic

First-home buyers are the big winners from a series of government updates. THE Victorian government ...

20/09/2016

NAB housing market insights provides national, state and suburb property value performance and future property value expectations across Australia.

11/09/2016

Opportunistic investors are set to put the squeeze on residents already battling disadvantage and poor health in two of Melbourne's newest real estate 'hotspots'.

27/10/2015

FYI

ANZ Banking Group has raised interest rates by 0.18 percentage points, becoming the last of the major banks to increase mortgage rates independently of the RBA.

29/08/2015

The Reserve Bank of Australia will make their next decision on interest rates within the next week.
Why are interest rates so important? A small 0.25% movement can mean either paying or saving $1250 extra, per annum, on a $500,000 mortgage.
The current cash rate is sitting at 2.00% and we predict they will stay at this rate for the foreseeable future. We anticipate potential for interest rate cuts later this year or early 2016.
The outlook for future property growth within the Melbourne market is confidently positive, based on historically low interest rates and economic forces that may push interest rates even lower.
This is great for anyone with a mortgage. Also great opportunity for first home buyers to enter the property market in Melbourne.