Sarcha Sagisaka

Part five – What about the Perth property market? Despite forecasts of a tough 2023 for the Australian economy and certain Eastern states housing markets, the outlook for Perth is a strong market in both rents and price increases. Australia has always had a two-speed economy, but now this is combined with a housing shortage […]

Part four – What next for rates and inflation? Inflation is still above target and the RBA has committed to prioritising inflation above all else, so that bodes for more interest rate increases in the short term. However, there could be a natural brake on the economy coming up in 2023 which will likely put

Part three – Should I fix my interest rate now? In most cases, no. Individual advice cannot be provided in an article, but we can provide some food for thought below. Of course, there are always exceptions. On one income for one year and can afford the repayments on a 3-year fixed rate? Then if

Part two – Why are rates rising? One of the main directives of the Reserve Bank of Australia (RBA) is to keep inflation within the target band of 2% to 3%. Generally speaking, they will increase the cash rate when inflation is too high and decrease it when inflation is too low. The idea is

Part one – Why are prices rising? Inflation and rate rises are the flavour of the month. Everyone has a prediction. What is really going on? What is the cause, and what does it all mean. Follow our five-part series to understand the facts without the hype. We have all heard it, we have certainly

Fixed rates from 2.14% !? Variable from 2.59% !? With so many cheap interest rates around, many are wondering why they missed out. Here, we explained what has been happening and how you can qualify for a lower rate. For the average borrower, there is currently excellent opportunity to secure low fixed rates and negotiate

When is a repayment holiday NOT a repayment holiday? When the interest is capitalising! There has been much fuss made over the covid19 relief packages and the relief they offer home and property owners. It is important to note that this is not really a holiday. The missed repayments will be added to the loan