Interest rates have been at historic lows for an extended period of time and no one is able to accurately predict when this cycle will end and when rates will rise. Historically the Reserve Bank dictated rate adjustments but in more recent times out of cycle rate adjustments have been greeted by public outrage, however we believe this will become more the norm rather than the exception
The number of home loans today that are approved with less than 20% deposit is dropping. Many more customers are approaching lenders with at least 20% available for a down payment on their homes. Is it possible to get in the door with a lender with less than 20% deposit?