APRA Scraps Home Loan Serviceability Buffer – What Does this Mean for Borrowers?

May 30, 2019 - by Fletcher Rowe - in Applications, Banking Royal Commission, First Home Owners, Home Loans, Interest, Investment, Mortgage Broker

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Fletcher Rowe | May 30 2019 Last week, the Australian Prudential Regulation Authority (APRA) announced a change to the serviceability buffers that all deposit-taking institutions are required to abide by when assessing a borrower’s ability to repay a home loan. The buffer, in place since 2014, is designed to ensure borrowers are able to continue

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Finance for Equipment and Assets

November 13, 2018 - by Fletcher Rowe - in Applications, Asset Finance, Goods Finance, Investment, Leasing, Renting

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Fletcher Rowe | November 13 2018 Historically, businesses investing in productive equipment has long been an indicator of business confidence. Increased investment in this manner can provide an insight into the overall health of an economy. Less understood are the varying different types of asset finance, and how different types of finance work best for

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What Do Banks Look For in Loan Applications?

August 21, 2017 - by Fletcher Rowe - in Applications, First Home Owners, Home Loans

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Fletcher Rowe | August 21 2017 The past 12 months of mortgage lending policy have really shook up the industry. Taking out a new home loan presents unique and ever-changing challenges compared to what once was almost a “revolving door” lending policy. These policy changes were well-intentioned, posited to be steadying erratic and unsustainable housing

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