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Let us number crunch for a hypothetical no interest credit card with a limit of $1,000 and a $10 per month fee (aka an interest payment) for non-zero balances with a $35 monthly repayment and express this as an... Read more
We can now reach you online and help you buy and finance your home, with the same enjoyable and almost effortless experience that we created for our existing clients. Now, a little bit about us. We hold our own... Read more
As at close of business on Friday 10, July 2020 the bond traders, as implied by the Interest Rate Swap Yield curve, say that the Reserve Bank will not increase interest rate until July 2023. Their expectations can change at... Read more
Further official cash rate cuts are possible if a global Coronavirus COVID-19 pandemic develops and is sustained for longer and substantially hurts the economy. The market’s 0.25% rate cut pricing (reflected in the below interest rate yield curve as... Read more
What is the Yield Curve implying? The below graph plots the Implied Forward Interest Rate yield curve (blue line) which is derived from the Interest Rate Swap yield curve (red line) as at 31 December 2019. Any changes to today's yield... Read more
Not often you will find graphs that show what your great grandparents paid for their house and what their home loan interest rate was at the time. Now you do. Owner Occupied Variable Home Loan Interest Rates since 1959. ... Read more
What is the Yield Curve implying? The below graph plots the Implied Forward Interest Rate yield curve (blue line) which is derived from the Interest Rate Swap yield curve (red line) as at 29 October 2019. Any changes to today's yield... Read more
You have heard it before, many, many times before (so we shall keep it short) from brokers to branch lending experts to the media - applying for a home loan requires making many decisions ... most borrowers struggle with the... Read more
The below graph plots the Implied Forward Interest Rate yield curve (blue line), and the Interest Rate Swap yield curve (red line). The yield curve is interpreted as follows – (i) Short Term (less than 6 months) – the Reserve Bank... Read more
Yes! It is very likely that the 3-decade long bull bond market (lower interest rates) ended on 2 August 2016. On this day, the 10-year Commonwealth government bond futures contract traded at 98.20 (equivalent to 1.80% yield) on the... Read more