{"id":15315,"date":"2018-09-19T05:53:13","date_gmt":"2018-09-19T05:53:13","guid":{"rendered":"https:\/\/timesnewsgroup.com.au\/bellarinetimes\/?p=15315"},"modified":"2018-09-21T01:27:07","modified_gmt":"2018-09-21T01:27:07","slug":"what-can-you-do-to-fight-increasing-interest-rates","status":"publish","type":"post","link":"https:\/\/timesnewsgroup.com.au\/bellarinetimes\/real-estate\/what-can-you-do-to-fight-increasing-interest-rates\/","title":{"rendered":"What can you do to fight increasing interest rates"},"content":{"rendered":"

WITH VIEW.COM.AU<\/strong><\/p>\n

Three out of the four major banks have increased their interest rates in the last few weeks, forcing mortgage holders to find a few hundred extra dollars every year.<\/p>\n

While the increases aren\u2019t massive, Westpac will raise rates by 14 basis points, CommBank by 15 basis points and ANZ by 16 basis points.<\/p>\n

With all increases coming into effect over the next month, it is enough to cause borrowers a moment of concern. The most worrying part of the rate hikes is they were not linked to any action by the Reserve Bank of Australia, which has kept rates on hold for several years.<\/p>\n

That doesn\u2019t seem to be getting in the way of lenders lifting their loan rates, however.<\/p>\n

Following this interest rate spike, many homeowners and investors are taking a much-needed look at their finances and their mortgage to check in with the current state of play.<\/p>\n

If you have a home loan, what are some of your options to combat rising interest rates?<\/p>\n

1. Call your lender<\/strong>
\nA simple phone call can save you hundreds, sometimes even thousands of dollars over the life of your loan.<\/p>\n

Just ask to speak to someone about your loan, and when you\u2019re connected to the right person tell them you\u2019re thinking of refinancing unless they can offer you a better deal.<\/p>\n

Mortgage holder Sam, 37, called his bank when he saw their online advertisement offering \u2018new borrowers\u2019 an interest rate 0.3% lower than he was paying.<\/p>\n

While the bank couldn\u2019t quite match the full discount, they did offer a reduction of 22 basis points. On his loan of $620,000, he instantly saved over $1,300 per year, or more than $100 per month.<\/p>\n

2. Refinance<\/strong>
\nIt\u2019s true that banks have ramped up their loan criteria in recent times in response to APRA guidelines and the Royal Commission, which make it harder to get loan approval.<\/p>\n

However, keep in mind that this means their bottom lines are taking a hit, too. Banks are in the business of lending money and they actively want to lend you money because it\u2019s how they make a profit.<\/p>\n

So, if your current lender isn\u2019t willing to come to the party, shop around for a better deal with another bank.<\/p>\n

When refinancing, consider working with a mortgage broker who can review a number of different loan products and best match you with a lender who suits your situation, whether you\u2019re self-employed, on maternity leave, have expanded your family or have recently changed jobs.<\/p>\n

3. Make extra payments<\/strong>
\nMost borrowers don\u2019t fully appreciate how much money they can save by paying even a very small additional amount, we\u2019re talking the equivalent of one coffee per day, into their home loan.<\/p>\n

Let\u2019s start small. Say you are able to pay an extra $10 per week into your home loan.<\/p>\n

Based on a $500,000, 30-year loan at an interest rate of 4% and assuming you started making these $10-per-week payments 2 years into your loan term, you would save almost $12,000 in interest over the life of your loan and you\u2019ll also pay the loan off 10 months sooner.<\/p>\n","protected":false},"excerpt":{"rendered":"

WITH VIEW.COM.AU Three out of the four major banks have increased their interest rates in the last few weeks, forcing mortgage holders to find a few hundred extra dollars every year. While the increases aren\u2019t massive, Westpac will raise rates by 14 basis points, CommBank by 15 basis points and ANZ by 16 basis points. […]<\/p>\n

Read More…<\/a><\/p>\n","protected":false},"author":26,"featured_media":15343,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"categories":[19],"tags":[],"post_folder":[],"class_list":["post-15315","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-real-estate"],"acf":[],"yoast_head":"\nWhat can you do to fight increasing interest rates - Bellarine Times<\/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:\/\/timesnewsgroup.com.au\/bellarinetimes\/real-estate\/what-can-you-do-to-fight-increasing-interest-rates\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"What can you do to fight increasing interest rates - Bellarine Times\" \/>\n<meta property=\"og:description\" content=\"WITH VIEW.COM.AU Three out of the four major banks have increased their interest rates in the last few weeks, forcing mortgage holders to find a few hundred extra dollars every year. While the increases aren\u2019t massive, Westpac will raise rates by 14 basis points, CommBank by 15 basis points and ANZ by 16 basis points. 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