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Home Loan and Mortgages

• Home loan demand still strong
• Home loan finance increases again
• Housing finance jumps in July

Affordability

• Improving economy prompts a spending spree
• The Great Australian Dream
• Do home owners expect rate rises?
• Consumer confidence on the rise
• Figures indicate Australians careful with mortgage debt
• RBA hikes up official cash rate
• Wealthy to benefit at expense to lower-income households
• Rate rises may cause mortgage pain
• It's all good second time around
• High interest in mid-range properties
• Withdrawals from frozen home loan funds
• Joint ownership may be good strategy
• Mortgage stress may rise
• Less mortgage stress for households
• Borrow only for home loans
• Australians paying down debt
• Housing affordability improves in Brisbane
• Australians may be taking on too much debt
• Home owners confused over rate direction
• Fall in land values over three month period
• Low rates haven't saved mortgage stress figures
• Help for homeowners in financial hardship
• Mortgage stress could rise
• Lowest home loan rates for 50 years
• Housing market will recover
• Act now to prevent mortgage stress
• Conservative spending while rates low
• Late payments due to increase
• Basic home loans a winner
• Owner-occupied housing approvals increase
• Mortgage stress set to rise
• Government grants to help housing affordability
• Mortgage repayments easy for most
• Housing affordability improves
• Housing affordability helped by rate cut
• Housing stress worse for separated parents
• One million to suffer mortgage stress next year
• Owning a home more unaffordable than ever

Fixed Home Loans

• Rethink your mortgage rate
• Fixed rate debate
• Borrowers quick to fix mortgage
• Is it too late to fix your home loan?
• Rising rates for fixed mortgages
• Fixed rate demand higher
• Fixed rates still not tempting enough
• Don't fix yet, say mortgage experts
• Home owner dilemma: fixed or variable?
• No rush for fixed rates
• Banks may compete for your business
• Banks raise fixed rates
• Rising interest rates for fixed mortgages
• Fix your loan soon say experts
• Increase in variable rate home loans
• Fixed rate home loans the way to go
• Variable rate mortgages at all time high
• Help needed for those with fixed rates
• Fixing a home loan
• Fix your home loan rate soon
• Fixed rate home loans make a comeback
• Fixed-rate mortgage dilemma
• Costly exit fees bite
• Fixed rate mortgages no longer attractive in SA

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• About Inside Finance

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Advice & Tips

• Can you limit your spending?
• Should consumers look at other options?
• Easy steps to affordable home ownership
• How to win home loan approval
• Tread carefully with new products
• Know your home loan
• Save now, spend later
• Health check your mortgage
• Cheapest home loans?
• Bundle and save
• Home owners bracing for rate rises
• Expert advice on debt management
• Rate rises imminent
• Experts agree on repayment strategies
• Will smaller lenders make a comeback?
• Bonus offers mortgage relief
• Reducing your mortgage faster
• Easy steps with your home loan can save your house
• What Does the Rate Cut Mean?
• Saving on interest payments
• Requests for more affordable housing

Other Mortgage Brokers

• Brokers popular with young buyers

Your Local Finance

Rent or Buy?

• The Great Australian Dream
• Auction turnover rates pleasing
• Rentals more affordable as prices ease
• Rental vacancy rates on the increase
• Renting becomes a little easier
• Rental squeeze eases in NSW
• Hopeful Generation Y
• Home ownership unaffordable for renters

Home Loans

• Home loan approvals rise slightly

Interest Rates

• Rates rise again 3.75%
• RBA lifts official rates to 3.50%
• Personal loans not included in rate cuts
• November rate hike revised down
• RBA set to raise rates sharply
• Do home owners expect rate rises?
• Melbourne Cup rate rise prediction
• Consumer confidence on the rise
• RBA confident of economic improvement
• Banks review mortgage rates
• RBA hikes up official cash rate
• Property markets will suffer from rate rises
• Stimulus packages not the cause of rate rises, says Swan
• Rate rises may cause mortgage pain
• Keating speaks strong words in competition fight
• Calls for rate to be left on hold get louder
• Homeowners must prepare for rate increases
• RBA cautiously preparing
• What to do about the inevitable
• Record number to own first home
• Unemployment justifies rate freeze
• No worries at Aussie
• Prepare your mortgage for rate rises
• Health check your mortgage
• Home owners bracing for rate rises
• No change for official interest rates.
• Rate rises imminent
• Do the sums now, warn experts
• What the future holds for Australia
• Low interest rates a thing of the past
• RBA warning over interest rates
• Rate rises no reason to fix
• Housing industry pleased rates remain low
• Obvious rate rises due
• Interest rates: when will they rise?
• Don't fix just yet
• Property investors back in the market
• Rates hold should support housing sector
• Interest rates remain on hold
• Interest rate decision due next week
• Australian's pay extra for not comparing deals
• CBA raises rates, angers Treasurer
• Mortgage rates set to rise?
• Don't fix yet, say mortgage experts
• Interest rates left unchanged
• Home owners confused over rate direction
• Auction clearance rates promising
• Rate cuts not on horizon yet
• Home owner dilemma: fixed or variable?
• Calm in the market urged

Low Doc Home Loans

Refinancing

• Low rates causes refinancing rush
• Think before you cancel your fixed rate
• WA borrowers rush to refinance
• Big banks charging higher exit fees
• High exit fees for loan switchers
• Battling borrowers should consider selling

Reverse Mortgage

• Reverse mortgage trend
• Wise use of reverse mortgages
• More seniors opt for reverse mortgage
• Lenders pull reverse mortgages from the market.
• Increase interest in reverse mortgages
• Over Fifty Group suspends reverse-mortgage
• Seniors income-poor but asset-rich
• Reverse mortgages proving popular
• Reverse mortgages a last resort
• Credit crunch puts the brakes on reverse mortgages
• Reverse Mortgages up 34%.

Stamp Duty

• Calls for stamp duty to be abolished
• Stamp duty concessions in NSW
• Rising stamp duty burdens for home owners
• Stamp duty under review
• WA's stamp duty impacting on housing affordability

Real Estate & Property

Prices & Trends

• Aussie homes expanding
• Improving economy prompts a spending spree
• Residential sales promising
• Impressive home auction sales
• Property values set to rise in 2010
• Australia's big sigh of relief
• It's all good second time around
• Popularity of new homes on the rise
• Fresh hopes for property market
• Best property spots in Australia
• Changing face of buyers
• Melbourne grows a strong market
• Australia ignores global crisis
• Sydney prices ride an upward wave
• House prices remain strong
• Prices up across Australia
• Moving to the country
• Australian property prices defy global trend
• NSW, Melbourne and Darwin post big gains
• Surprise fall in new home sales
• Australian house prices buck global trend
• House prices set to rise this year
• Rise in home loans falls short of predictions
• Apartment sales indicate worst may be over
• House prices up in Britain
• Sales of new homes hit record high
• Fall in land values over three month period
• House prices may fall further
• Housing finance increasing month by month
• Rental vacancy rates on the increase
• Australian property market performs well
• Property market strong
• Encouraging data on house prices
• Sydney may lead property recovery
• Home loan approvals rise slightly
• Home loan approvals up in Victoria
• Property values up 1.1 per cent
• RBA confident house prices will hold up
• Sales of new homes rise
• Housing is solid: CBA
• Prices boosted by first home buyers
• Small rise in indigenous home ownership
• Property sales better at lower end
• Owner-occupied housing approvals increase
• Rental squeeze eases in NSW
• Home loan approvals up by 6.4%
• Property markets boosted by rate cut
• Tough year ahead for property
• Changing trends in housing raise fears for sustainability
• First home buyers snap up property in Queensland

Investment Property

• Investors back on the scene
• Why the decline in housing finance?
• New home sales increasing
• Investors set to overtake first home buyers
• ANZ launch new mortgage product
• Property investors back in the market
• Investors wait for first home buyer shift
• Investors storm the market
• Property a great investment
• Making the mortgage work in retirement

Mortgage Repossessions

• No large scale defaults predicted
• Help for homeowners in financial hardship
• Mortgage stress could rise
• Housing thanks wage growth
• Negative equity not so common
• Banks offer mortgage help during rising unemployment
• Act now to prevent mortgage stress
• Mortgage repossessions on the rise
• Hope for homeowners facing repossession
• Banks urged to be compassionate
• RBA backs US Government mortgage bailout
• Act now to prevent possession
• Mortgage stress and repossessions a reality
• One in five under mortgage stress to lose homes
• Man jailed for fighting repossession
• New laws to stop undervalued repossession sales
• Claims housing market is not in crisis
• Prices slide in high mortgagee suburbs
• Home repossessions climb
• Home buyers caught off guard by interest rate rises.

Banks

• Small business paying over and above
• Banks review mortgage rates
• Resilient Australian banks
• One year since meltdown
• Australia's banking system under review
• Banks may make tough choices
• St George latest bank to cut rates
• Banks donate to Victoria's bushfire appeal
• BankSA cuts mortgage rates 1 per cent
• 1 per cent cut from Reserve Bank
• Banks versus niche lenders during economic crisis
• Cuts to NZ mortgage interest rates
• Bendigo Bank latest to cut home loan rates
• Switching banks to get easier for consumers
• Big Four all cut rates - finally
• Banks forced to consider rate cuts as mortgage slump continues
• Banks profits rise despite credit crunch

Adelaide Bank

• Home lending competition under threat

ANZ

• ANZ new brand identity
• ANZ first to change mortgage rates
• Homeowners must prepare for rate increases
• ANZ, NAB hungry for larger slice
• ANZ cuts rates 10 basis points
• ANZ bank passes on 1% cut to home loans
• ANZ rate cut
• ANZ drops fixed rates
• Banks lower fixed rate products
• ANZ plan to boost indigenous home ownership
• Fixed rate home loan cut: ANZ
• Banks defend 100% home loans
• Competitive Power to the Big Five
• ANZ rate rise signals more hurt
• ANZ increases variable mortgage rate to 9.47%
• ANZ National in NZ increases profit by 7%
• ANZ legacy feels meltdown effects

Bankwest

• Lenders all follow suit
• New mortgage product shakes up market
• Bankwest December Rate Cut
• BankWest matches other banks with rate cut
• Customers wait three weeks for BankWest rate cut

Bank of Queensland

• Bank of Queensland follow other banks
• Bank Of Queensland rate cut
• BoQ posts impressive numbers
• A warning of more rate rises from BoQ

Bendigo Bank

• Bendigo and Adelaide Bank cut rates 90 basis points
• Bendigo Bank matches the Big Five
• Shared equity loans to become widespread

Commonwealth Bank

• CBA raise rates more than the RBA policy
• Big Four rush to lift variable mortgage rates
• Banks will be careful with rate rises
• CBA follows other banks, raises fixed rates
• Keating speaks strong words in competition fight
• Homeowners must prepare for rate increases
• Banks cut fees for accounts
• Bank customers hit web to vent
• Big Four competitive advantage
• CBA raises rates, angers Treasurer
• Westpac and CBA dominating new mortgages
• Rising interest rates for fixed mortgages
• CBA the only lender to cut rates
• RBA cut rates, but banks not so sure
• Mortgage help for those affected by job loss
• CBA aquires $2.25 billion of Wizard home loans
• Banks ask first home buyers for 5% deposit
• CBA cut home loan rates by 1%
• Now it will cost more to get your mortgage from CBA
• Wizard sold to Aussie and CBA
• NAB, Westpac, Commonwealth cut rates
• Commonwealth Bank rate cut
• CBA cuts variable rate 0.58%
• Busy day for CBA
• Banks dominate home loan market
• Fees provide profit for CBA
• Commonwealth Bank lifts standard variable rate to 9.44%
• CBA keeps rates lower
• Commonwealth bank says unaffordable home loan is 'an aberration'
• May RBA rate rise tipped
• Standard variable home loan rate rise.

National Australia Bank

• NAB raises rates but slams Westpac
• Mortgage rate increases hang in the balance
• Increases to NAB fixed rate home loans
• Big Four rush to lift variable mortgage rates
• NAB all set to purchase Challenger
• Homeowners must prepare for rate increases
• Challenger proving a challenge
• NAB set to purchase Challenger
• NAB posts half year profits
• Rising interest rates for fixed mortgages
• NAB cut rates for broker-distributed products.
• NAB not passing on any cuts
• NAB pass on full rate cut to homeowners
• NAB rate cut
• NAB commits to rate cut
• Treasury puts pressure on banks as NAB promise rate cuts
• Brokers to become wider financial advisers for NAB
• Anzac Day rate rise from NAB
• NAB hikes home loan rate to 9.36%
• More Banks Raise Rates after Tuesdays' Reserve Bank Rise

Westpac Bank

• Westpac surprise for home owners
• Big Four rush to lift variable mortgage rates
• Homeowners must prepare for rate increases
• Westpac impress home owners
• Westpac lift fixed interest rates
• Westpac and CBA dominating new mortgages
• Big Four profit loss
• Westpac third bank to cut rates
• Westpac cuts home loan rates 1%
• Westpac second bank to cut rates
• Westpac cuts variable rate
• Westpac cuts fixed rates again
• Westpac lifts variable home loan rate to 9.47%
• Mortgage Choice to have commissions cut by Westpac
• Westpac the latest lender to lift rates
• Another bank and another $500m
• Westpac raises variable home loan rates

St George

• Lenders all follow suit
• St George latest bank to cut rates
• St George Bank cut rates 1%
• St George rate cut
• St George interest rate cut: latest news
• St George rate cut beats the big four
• Broker commissions cut by St George
• BankSA interest rate now tops the banks
• St George lifts rates to 9.47%
• St George increases home loan rate to 9.47%

Suncorp

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• About Inside Finance

Contacts

Other Banks

• HSBC offers record low home loan rate
• Five major banks cut home loan rates
• Big Four hold the market
• Banks cut fixed interest home loan rates

Non-Bank Lenders

• Will smaller lenders make a comeback?

Bluestone

Forums

Liberty

First Home Grant

• No concern over building approval falls
• No big rush on grants
• Housing markets watch and wait
• Record number to own first home
• Why the decline in housing finance?
• No worries at Aussie
• Slow but steady first home buyer market
• Rush over for first home buyers
• Smiles all around in Queensland
• First home buyers less prevalent in market
• First home buyers cautious over grant
• Lower numbers of first home buyers
• FHOG boost keeps law firms busy
• FHOG comments criticized
• FHOG wanted for longer
• Boost to first home owner grant extended
• End of first home buyer grant could cause price slump
• Calls to keep the first home owners grant
• Support for grant to be extended
• Increased grant entices first home buyers
• Prices boosted by first home buyers
• Considerable jump in the number of new home sales
• First Home Buyers storm the market
• First home buyer grants boost property market
• Flaws in extending the increase to first homebuyer grants
• Rudd under pressure to extend increases to the first homebuyers grant
• First home buyer grants popular
• Queensland has some very happy first home buyers
• Radical proposals for FHG's
• Government grant helps first-home buyers in SA
• First-home buyers looking for new houses

all other products

• Caution urged over new home-loan products

Mortgage Brokers

• Will rate cuts come to your house?
• Police & Nurses pass on full RBA cut
• Ian Thorpe dives into mortgages
• Mortgage Choice announce new plans
• Aussie Home Loans cut rates again
• NAB set to buy Wizard Home Loans

Aussie Home Loans

• GE Money customers refinance for nil cost
• RAMS and Aussie cut rates
• Wizard sold to Aussie and CBA
• Aussie Home Loan
• Aussie Home Loans rate cuts
• Aussie Home Loans, ANZ reduce variable rate
• Aussie customers offered AMP insurance
• CBA keen on stake in Aussie Home Loans
• New chapter for Aussie Home Loans
• Mortgage support needed from Government

Government & Policy

• Small business paying over and above
• Keystart moves to raise rates
• Stimulus packages not the cause of rate rises, says Swan
• Resilient Australian banks
• Greener houses for renters
• Australia's banking system under review
• Withdrawals from frozen home loan funds
• Government rescue plan
• Banks may make tough choices
• Australian housing market holding up
• FHOG boost keeps law firms busy
• Auction clearance rates promising
• Less green loan funding available
• Banks offer mortgage help during rising unemployment
• Government stimulus package phase two
• Rudd government signals second stimulus package
• Government bonus goes towards the mortgage
• Home ownership scheme enjoying success

Building and Construction

• No concern over building approval falls
• Popularity of new homes on the rise
• Building industry excited by forecast
• Better results for building industry
• HIA confirms slowing new home sales
• HIA confident of improvements
• Construction building on good foundations
• Building industry sees improvement
• New home sales increasing
• Build a new home campaign hits WA
• Home building on the rise
• Sales of new homes hit record high
• Recovery for housing market imminent
• Building and constructions down
• New housing approvals rise again
• Sales of new homes rise
• Considerable jump in the number of new home sales
• Construction of new homes set to rise
• Building industry wants banks to pass on rate cut
• US building sector struggles on
• Added extras for new homes
• Building approvals down
• Home renovation trend
• Property renovations support the building industry
• Home designs grow popular
• New construction down, renovations up
• Low-cost renovations for your home

Buying Your First Home

• First home buyers cautious
• First home buyer time bomb
• Keystart asks for bigger deposit
• What the future holds for Australia
• First home buyers ignoring saver scheme
• Lending limits rethink
• WA enjoying a strong first home buyer market
• First home buyers urged to be cautious
• Calm in the market urged
• Caution issued to first home buyers
• More first home buyers will buy this year
• Young Australians still finding property unaffordable
• First home buyers make up for lost time
• How the rate cuts helped first home buyers

No Deposit Home Loans

• Keystart asks for bigger deposit
• Home loan lending tightens
• CBA and ANZ pull no-deposit home loans
• Deposit required for new home loans

Mortgage House

• Australians confident of finances
• Home building activity sliding rapidly

Advice & Tips

• Joint ownership may be good strategy
• New year offers hope to buyers
• Requests for more affordable housing
• Improvements in housing affordability

Advice & Tips

• Happy borrowers look to brokers
• Experts agree on repayment strategies
• Plea for more pre-purchase inspections

Mortgage Choice

Rams Home Loans

• Paperless society
• Rams increase it's network
• RAMS and Aussie cut rates
• RAMS rate cut
• RAMS make the biggest cut
• Interest rate cuts from non-bank lenders

All Non Bank Lenders

• Keystart moves to raise rates
• Customer satisfaction better with credit unions
• Keating speaks strong words in competition fight
• Suncorp cut home loan rates 10 basis points
• B&E cut home loan rates
• GE Money customers refinance for nil cost
• Non-bank lenders loose market share
• Competition in the mortgage market
• Ian Thorpe dives into mortgages
• Super funds may need to diversify

Wizard Home Loans

• CBA aquires $2.25 billion of Wizard home loans
• Wizard sold to Aussie and CBA
• Wizard Home Loans rate cut
• Wizard Home Loans follows with a rate cut
• Wizard hikes home loan rate to 9.29%

Industry

• Big Four all cut rates - finally

Reserve Bank

• RBA lifts official rates to 3.50%
• A sure bet for Cup Day today
• New home sales slump may slow rate rise
• Rate rises no trouble for most
• RBA set to raise rates sharply
• RBA hikes up official cash rate
• Predictions for rate rises
• Banks will be careful with rate rises
• Forecast for rate rises says November
• No change for official interest rates.
• RBA meeting to discuss future policy
• Rates stay just as they are
• Scope for further cuts: RBA
• Interest rates remain on hold
• RBA believes in a recovery
• Interest rates left unchanged
• Official interest rates left unchanged
• Weak economic data behnd rate cut
• Reserve Bank cuts rates again
• RBA meets tomorrow to discuss interest rate
• Reserve Bank leave rates unchanged
• RBA predictions March 2009
• Reserve Bank cuts interest rate to 3.25%
• Interest Rate Predictions: RBA
• Interest rate cut as economy stalls
• Reserve Bank likely to cut interest rates
• Interest Rates: 2009 predictions
• Interest Rate predictions for 2009
• Economy is likely to force RBA towards further rate cuts
• RBA shock cut: one full per cent
• Australian stock market responds to RBA move
• RBA urged to cut rates again
• No change for interest rates
• Confidence in economy at all time low
• Christmas rate relief possible
• RBA claims mortgage holders are getting by
• Inflation at its highest since 1991
• RBA buys $320m in mortgage-backed securities
• Interest rates expected to remain on hold
• RBA gives banks the thumbs up for increasing rates
• RBA rejects mortgage stress claims

Sub Prime

• Banks forced to consider rate cuts as mortgage slump continues
• Australia has low exposure to subprime loans says PM
• Rise in subprime mortgage foreclosures unlikely

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