{"id":5241,"date":"2023-04-27T09:24:28","date_gmt":"2023-04-26T23:24:28","guid":{"rendered":"https:\/\/financialplus.com.au\/?p=5241"},"modified":"2023-04-27T09:24:28","modified_gmt":"2023-04-26T23:24:28","slug":"tips-to-help-stay-on-top-amidst-the-rate-hike-cycle","status":"publish","type":"post","link":"https:\/\/financialplus.com.au\/tips-to-help-stay-on-top-amidst-the-rate-hike-cycle\/","title":{"rendered":"Tips to help stay on top amidst the rate hike cycle"},"content":{"rendered":"

\"\"With every RBA rate rise announcement, mortgage holders brace themselves for impending repayment increases. Here\u2019s how to stay on top of your mortgage and feel financially secure.<\/strong><\/p>\n

Let\u2019s face it, the RBA\u2019s rate rise cycle hasn\u2019t been easy for mortgage holders, with average monthly repayments now hundreds of dollars (and in some cases, thousands of dollars) more expensive than they were a year ago.<\/p>\n

Pair this with the rising cost of living and many Australians are eager to bolster their finances to weather the storm, especially as there are one or two more rate rises predicted to come.<\/p>\n

But rest assured, there are things you can do to help manage your mortgage and stay on top of your finances.<\/p>\n

1. Review your loan<\/h3>\n

Regularly reviewing your loan can help you assess whether it\u2019s best suited to your current situation.<\/p>\n

You may be able to access features that may benefit you such as an offset account. And even get a better interest rate.<\/p>\n

Canstar research<\/a>\u00a0shows 63% of Australians haven\u2019t attempted to negotiate their interest rate with their lender in the last year.<\/p>\n

And only a quarter of those who did were knocked back. But you don\u2019t have to run the risk of rejection yourself.<\/p>\n

Get in touch with us and we can go in to bat for you.<\/p>\n

And if we don\u2019t think your lender is playing fair, we can help you look elsewhere. Which brings us to our next point\u2026<\/p>\n

2. What are competitor lenders offering?<\/h3>\n

Canstar research<\/a>\u00a0shows that 77% of mortgage holders may be paying more than if they switched loans.<\/p>\n

And\u00a0RBA data<\/a>\u00a0from November 2022 shows that on average, existing variable owner-occupier home loan rates were 5.29%, while new loans had an average rate of 4.79%.<\/p>\n

This is known as the \u201cloyalty tax\u201d \u2013 where banks often only pass on better interest rates and features to new customers.<\/p>\n

But we can help you out.<\/p>\n

Let us do the legwork and find suitable refinancing options so you can save.<\/p>\n

3. Avoid the mortgage trap<\/h3>\n

Before you refinance, it\u2019s good to get a picture of your debt-to-income and loan-to-value ratios.<\/p>\n

This can help you avoid being trapped in a mortgage without the ability to switch to a better interest rate.<\/p>\n

Your debt-to-income ratio is your total debt divided by your gross income. Lenders use this to assess how you manage money and to calculate your borrowing power.<\/p>\n

So if you\u2019re seeking to refinance a $700,000 home loan (and have no other debt), and you have $160,000 in gross household income, your DTI is 4.375 \u2013 a ratio most lenders would be very comfortable with.<\/p>\n

So make sure your other debts \u2013 such as car loans, and credit cards \u2013 are being managed, as well as your mortgage. It can help bolster your credit rating.<\/p>\n

Your loan-to-value ratio is the comparison between your loan amount and the assessed value of your home.<\/p>\n

This means that a drop in your property\u2019s value can affect your ability to refinance.<\/p>\n

And thus, if your equity drops below 20% some lenders may not accept your application to refinance. So refinancing at the right time (ie. before prices fall too low) can help you avoid being locked into your current mortgage.<\/p>\n

If all this sounds complex or you just don\u2019t have the time, we\u2019re only a phone call away.<\/p>\n

4. Track your spending<\/h3>\n

Like many of us, you\u2019ve probably cut back on spending already.<\/p>\n

But there\u2019s a popular saying that rings true: \u201cwhat gets measured gets managed.\u201d Track your spending and see where additional changes can be made.<\/p>\n

It can be a real eye-opener.<\/p>\n

You may think \u201cthey can pry my daily cafe-bought triple shot latte from my cold dead hand\u201d \u2026 but when the cost is tallied up, you may change your mind.<\/p>\n

And that streaming subscription you never use and forgot about is still coming out of your bank account like clockwork.<\/p>\n

5. Speak to us<\/h3>\n

Want a hand with all the above?<\/p>\n

We can help you to refinance, consolidate your debts, manage application processes, and much more.<\/p>\n

Get in touch today and we can help you through the refinancing process, even if there is possibly another rate rise or two to come.<\/p>\n

Disclaimer:<\/strong>\u00a0The content of this article is general in nature and is presented for informative purposes. It is not intended to constitute tax or financial advice, whether general or personal nor is it intended to imply any recommendation or opinion about a financial product. It does not take into consideration your personal situation and may not be relevant to circumstances. Before taking any action, consider your own particular circumstances and seek professional advice. This content is protected by copyright laws and various other intellectual property laws. It is not to be modified, reproduced or republished without prior written consent.<\/p>\n","protected":false},"excerpt":{"rendered":"

With every RBA rate rise announcement, mortgage holders brace themselves for impending repayment increases. Here\u2019s how to stay on top of your mortgage and feel financially secure. Let\u2019s face it, the RBA\u2019s rate rise cycle hasn\u2019t been easy for mortgage holders, with average monthly repayments now hundreds of dollars (and in some cases, thousands of […]<\/p>\n","protected":false},"author":23,"featured_media":5242,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"nf_dc_page":"","_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"_genesis_hide_title":false,"_genesis_hide_breadcrumbs":false,"_genesis_hide_singular_image":false,"_genesis_hide_footer_widgets":false,"_genesis_custom_body_class":"","_genesis_custom_post_class":"","_genesis_layout":"","_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[110],"tags":[],"class_list":{"0":"post-5241","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-home-loans","8":"entry"},"yoast_head":"\nTips to help stay on top amidst the rate hike cycle · FinancialPlus Mortgage Broker Gold Coast<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/finance-matters.info\/2023\/04\/26\/tips-to-help-stay-on-top-amidst-the-rate-hike-cycle\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Tips to help stay on top amidst the rate hike cycle · FinancialPlus Mortgage Broker Gold Coast\" \/>\n<meta property=\"og:description\" content=\"With every RBA rate rise announcement, mortgage holders brace themselves for impending repayment increases. 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