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Bernadette Leahy, Authorised Credit Representative
- May 4
Variable rates have increased. Now we're seeing first of the fixed
Following the Reserve Bank increase to the cash rate on Tuesday, we have seen all big four banks increase their variable rates by 0.25%...

Bernadette Leahy, Authorised Credit Representative
- Apr 29
Are interest rates rising as early as next week?
Much has been talked about in regards to the likely increase in the cash rate by the Reserve Bank and flow on affect to bank home loan...

Bernadette Leahy, Authorised Credit Representative
- Apr 12
The election. First Home Buyers weigh in.
Now that a date has been set for the election, May 21, First Home Buyers have to decide whether their vote will be impacted by the first...

Bernadette Leahy, Authorised Credit Representative
- Mar 28
News flash! 35,000 places in the First Home Loan Deposit scheme announced by Liberal party
The Morrison Government has announced as part of tomorrow's budget that it will release 35,000 new places in the First Home Loan Deposit...

Bernadette Leahy, Authorised Credit Representative
- Mar 24
How to save a deposit when house prices are rising higher than wages
A report released by Domain into first home buyers has indicated that the time it takes a first home buyer couple to save a deposit has...

Bernadette Leahy, Authorised Credit Representative
- Feb 22
Lenders are increasing fixed rates....again
Following the wave of increases in fixed rates across many bank a couple of months ago, another round of increases in fixed rates is in...

Bernadette Leahy, Authorised Credit Representative
- Feb 16
First Home Buyers buying with as little as 5% deposit? The rush is on!
Bernadette Leahy, The Edge Mortgage Consultants, Thursday 17th February 2022 Places in the FHLDS or First Home Loan Deposit Scheme are...

Bernadette Leahy, Authorised Credit Representative
- Dec 22, 2021
Are home loan rates below 3% vanishing?
There has been a trend for the last month for fixed rates across the board to be increasing. Not only have we seen some banks increase...

Bernadette Leahy, Authorised Credit Representative
- Nov 11, 2021
Fixed rate hike...the run is on
In the blink of an eye, a large number of banks have lifted their longer term fixed rates. Up until recently, any rate hikes were not...

Bernadette Leahy, Authorised Credit Representative
- Sep 8, 2021
A little known fact about Variable Rates
Did you know that there are two types of variable rates? They’re known as standard rates and basic rates and choosing the right one could...

Bernadette Leahy, Authorised Credit Representative
- Aug 6, 2021
5 Tips for snaring a house at auction
It feels like a battle ground. Eager buyers pushing each other to the extreme, to fight to be the last person standing at many of our...

Bernadette Leahy, Authorised Credit Representative
- Jul 1, 2021
Government announces further support for home buyers July 1
From today, the Australian Government has released 30,000 new places under it's three home buying schemes; the First Home Loan Deposit...

Bernadette Leahy, Authorised Credit Representative
- May 27, 2021
Five banks offering $2k cash back to refinance!
Would $2k cash back be a big enough incentive for you to consider refinancing your home loan? What about $4k? Would it be enough to help...

Bernadette Leahy, Authorised Credit Representative
- May 20, 2021
Beware...the 'finance clause' when buying a property
'Subject to finance' has frequently been the default clause written into contracts by prospective buyers, in order to cover themselves in...

Bernadette Leahy, Authorised Credit Representative
- May 12, 2021
The BUDGET! What it means for home buyers
Last night the Government handed down its 2021 -22 Federal Budget which included home buyer initiatives targeted at specific groups. ...

Bernadette Leahy, Authorised Credit Representative
- May 4, 2021
Help, I bought at auction and my preapproval fell through
Putting your hand up at auction and being the last person standing can be both an exciting and stressful experience. It certainly will...

Bernadette Leahy, Authorised Credit Representative
- Apr 21, 2021
Preapprovals as rare as hen's teeth...
The best thing you can before you decide to stick your hand up at auction or sign a contract of any description is to have your...

Bernadette Leahy, Authorised Credit Representative
- Apr 6, 2021
Aussie home value index rises fastest in 32 years
In a Corelogic report just released 1 April, home values in Melbourne (and Australia wide) are at a record high post the short-lived...

Bernadette Leahy, Authorised Credit Representative
- Mar 23, 2021
Fixed rates below 2% - should I fix?
To say that a fixed rate below 2% is enticing is an understatement. With interest rates at such a low level, many people are diving in...

Bernadette Leahy, Authorised Credit Representative
- Mar 19, 2021
Would I refinance my loan if I was paid $2000?
Would you bat an eyelid if a bank offered you $2000 to refinance your home loan? Or how about $3000? As the Melbourne market seems to be...