How to Secure a Better Interest Rate

January 18th, 2013

Keep up to date with rates

Complacency is a bank's best friend. Banks count on a certain amount of borrowers simply never questioning their interest rate, or asking for a discount. While you may get a great deal when you first take out a loan, as time passes and rates change, this may no longer be the case.

While your broker will usually contact you when they think it may be time for you to re-evaluate your finances, it's always worthwhile to keep your eye on the news and any correspondence from your lender.

Make sure your home loan suits your needs

Not all loan products are created equal. Changes in finances, as well as your personal life, can mean that the current set up of you home loan is no longer offering you the greatest benefits.

For instance, having an offset account linked to your loan will most likely attract a monthly fee. If you have a significant amount of savings in this account then it's well worth your while. However, if you're not using it, you could be paying for nothing.

Property pointers for 2013

January 11th, 2013

The outlook for 2013

No matter what other factors may be influencing property prices, without market confidence, little growth can be expected. The good news is that buyer confidence is on the increase. The end of 2012 saw a return of investors to the market, an excellent sign of increased confidence. This trend is expected to continue.

It's presumed by most financial commentators that interest rates will de [...]

Power your Household from Rubbish

January 4th, 2013

Private companies, individuals, and governments around the world are getting more creative about ways to create clean energy. In Western Australia, one company are developing a waste-to-energy plant, using technology designed to power homes directly from household rubbish. While there are around 900 plants across the world already capable of converting rubbish to energy, this Kwinana facility by Phoenix Energy […]

Stevia: Friend or Foe?

December 28th, 2012

Stevia is 300 times sweeter than sugar, barely effects blood sugar and and contains no calories. Is this a wonder plant set to change the way we eat, or does it bring with it its own set of problems? In the last few years, stevia has gone from an abstract herb, to a staple on supermarket shelves. This South American […]

Hot Travel Destinations for 2013

December 21st, 2012

Most people want to travel and explore the world, whether on a short getaway or an extended adventure. For all those planning to jump on a place in 2013 however, it can be tough deciding where to go. It is important to think about your interests and budget when choosing a travel destination, with some places also going in and […]

Why don't banks pass on the full rate cut?

December 14th, 2012

While the RBA may have slashed interest rates over the last six months, borrowers have not reaped the full rewards of these reductions, with many lenders not passing on full cuts. Why do banks refuse to pass on the full rate cut to their customers? If you have a mortgage, and are feeling a little short-changed by your bank, the […]

Selling your Home at Christmas

December 7th, 2012

What can you expect if selling your home over the Christmas period? Is this a time to be avoided, or does it actually come with advantages? When it comes to whether or not you should place your home for sale over the Christmas holiday period, there are differing opinions. While Christmas and New Year are not traditional times to place […]

The Cost of Household Water

November 30th, 2012

Water is essential to life, and mostly considered to be a free and widely available resource. However, households in Australia and New Zealand spend hundreds of dollars each year on water, and these bills are mostly on the rise. With some experts forecasting a water crisis in years to come and water demand for irrigation, industry, and drinking close to […]

Using Diet to Beat the Blues

November 23rd, 2012

While there are many treatment options for those suffering from anxiety and depression, a current clinical study is exploring the link between these illnesses and diet. While previous studies have sho wn the benefits of particular nutrients, it’s believed to be the first study of its kind in the world. Past research has indicated that nutritional factors can lead to […]

The Wonders and Perils of Online Shopping this Christmas>

November 16th, 2012

With Christmas just around the corner, more and more people are choosing to avoid the rush and go online for their shopping needs. Internet shopping has grown by leaps and bounds in recent years, with online retailers doing everything they can to get new business. However, the recent problems associated with Click Frenzy in Australia are just one example of […]