tag:blogger.com,1999:blog-290763362026-07-24T15:55:53.705+10:00Mr Mortgage Home Loans provides mortgage finance information on home loans, mortgage refinancing and debt consolidation for homeowners, home buyers and investors. Whether you want to finance a new home or refinance an existing loans, Mr Mortgage is a great place to start your search for mortgage home loan finance.Rick Adlam, Mr Mortgagehttp://www.blogger.com/profile/16252476806260685932noreply@blogger.comBlogger378125tag:blogger.com,1999:blog-29076336.post-9413903573439344202013-08-20T17:15:00.003+10:002013-08-20T17:15:40.816+10:00

Australian interest rates predicted to fall lower. Australia's Central Bank, the Reserve Bank of Australia has hinted that they are not done with lowering the official interest rates, and that has caused the Australian DOllar to fall lower. The theory is that Australia's economy is in transition, as the China mining boom comes to an end, and other industries and sectors need to take up the slack

Rick Adlam, Mr Mortgagehttp://www.blogger.com/profile/16252476806260685932noreply@blogger.comtag:blogger.com,1999:blog-29076336.post-24865846637375905722013-04-03T08:20:00.000+10:002013-04-03T08:23:32.769+10:00

The Reserve Bank of Australia [RBA] in keeping rates on hold this week, with plenty in reserve to continue further easing of monetary policy if and when required. Interest rate easing and effect lag  The effects of interest rate reductions can take several months to filter through to a measurable response in the economy of Australia, and this in fact has shown to to true in this cycle of

Rick Adlam, Mr Mortgagehttp://www.blogger.com/profile/16252476806260685932noreply@blogger.comtag:blogger.com,1999:blog-29076336.post-25363715975015676352013-04-02T13:58:00.004+10:002013-04-02T14:00:18.399+10:00

The Reverse Bank of Australia has just decided in its monthly meeting to keep the official cash rate at 3%. The RBA in its monthly meeting has decided, as predicted by most financial experts, to keep the interest rates steady for the time being. The reasons have been muted as low unemployment, and stellar rise in new jobs of over 70,000 new jobs in February, and signs that property prices and

Rick Adlam, Mr Mortgagehttp://www.blogger.com/profile/16252476806260685932noreply@blogger.comtag:blogger.com,1999:blog-29076336.post-7954681944330289502012-09-23T15:48:00.002+10:002012-09-23T15:50:57.191+10:00

According to Westpac the Reserve Bank of Australia is getting ready to cut interest rates. That has to be good news for home buyers, homeowners and housing construction industry. But will it happen in October? Westpac is Australia's second largest home loan lender, and the biggest winner in mortgage growth in recent years since the GFC. It believes the RBA will start cutting interest rates at

Rick Adlam, Mr Mortgagehttp://www.blogger.com/profile/16252476806260685932noreply@blogger.comtag:blogger.com,1999:blog-29076336.post-76591747427497626082012-09-10T10:30:00.000+10:002012-09-10T10:30:08.065+10:00

Will the RBA Backflip to Lower Interest Rates? In September the RBA saw no reason to change interest rates. Now two weeks later the financial experts are saying that the Reserve Bank of Australia is preparing the markets for cuts to interest rates? It apparently won't need to see the inflation figures due in November to make the move. Obviously there are things that the RBA board members didn't

Rick Adlam, Mr Mortgagehttp://www.blogger.com/profile/16252476806260685932noreply@blogger.comtag:blogger.com,1999:blog-29076336.post-24964428319900827922012-09-10T08:32:00.000+10:002013-02-28T13:17:59.982+10:00

Ipswich homeowners mortgage repayment defaults  the highest in Australia says ratings agency Fitch RatingsAnd Queensland is the Worst performing State in Australia on mortgage repayments. So why is this?In a word, Floods. Queensland has has two major Cyclones hit in two consecutive  years in 2010 and 2011, and recovery is only half done. Many people and businesses will never recover. So

Rick Adlam, Mr Mortgagehttp://www.blogger.com/profile/16252476806260685932noreply@blogger.comtag:blogger.com,1999:blog-29076336.post-91979929658340399312012-09-08T07:47:00.000+10:002013-02-28T13:06:18.672+10:00

Credit cards and students don't always mix well, mostly because easy money is too soon spentBut if students avoid these mistakes then they will have an enjoyable experience with money. This applies to any first time credit card user, but students are can also be away from home and that puts them at greater risk.The Five biggest mistakes students make with credit cards are:1. Getting a credit card

Rick Adlam, Mr Mortgagehttp://www.blogger.com/profile/16252476806260685932noreply@blogger.comtag:blogger.com,1999:blog-29076336.post-32619759273560712052012-09-07T13:26:00.004+10:002012-09-07T13:42:15.706+10:00

Some experts are now saying that the Reserve Bank might be edging toward a rate cut in October. But its too early to tell from here The other thing you have to question these days is "who said interest rates will fall in October and why they said it."  There are a lot of self interested groups out there spreading baseless rumours about everything these days, from job cuts, asylum seekers

Rick Adlam, Mr Mortgagehttp://www.blogger.com/profile/16252476806260685932noreply@blogger.comtag:blogger.com,1999:blog-29076336.post-35447349350085036132012-09-07T10:15:00.002+10:002012-09-07T10:15:31.992+10:00

CBA aims to torpedo competition with big drop in mortgage fixed interest rates The Commonwealth Bank of Australia is feeling the heat from the NAB and pressure about their margins and have dropped their fixed interest rates on many of their home loans to the lowest in 9 years The Commonwealth Bank of Australia overnight cut its 1 year fixed rate, 3 year fixed rates, 4 year fixed mortgage

Rick Adlam, Mr Mortgagehttp://www.blogger.com/profile/16252476806260685932noreply@blogger.comtag:blogger.com,1999:blog-29076336.post-25353506738692444442012-09-07T08:36:00.000+10:002013-02-28T13:06:18.685+10:00

Credit card interest rates are rising relative to the RBA cash rate here in Australia, if you haven't noticed, but you can win with interest free credit cards in the US. So where's the catch you might ask?       US consumers are using credit cards less.Keeping their debt levels lower when it comes to credit cards is the current focus for Americans nationwide since the

Rick Adlam, Mr Mortgagehttp://www.blogger.com/profile/16252476806260685932noreply@blogger.comtag:blogger.com,1999:blog-29076336.post-3482234554311971612012-08-27T08:11:00.000+10:002013-02-28T13:18:00.002+10:00

Home Buyers and Refinance: US Home buyers and refinance applicants will soon find mortgages harder to setFannie Mae gets tough with Home Loan Borrowers and Mortgage Lenders Fannie Mae is the largest source of money for the U.S mortgage industry and has warned mortgage lenders it will be raising some of its qualification standards for people buying homes, whether first homes or second

Rick Adlam, Mr Mortgagehttp://www.blogger.com/profile/16252476806260685932noreply@blogger.comtag:blogger.com,1999:blog-29076336.post-61782850157611804002012-08-26T08:33:00.000+10:002012-08-26T08:33:00.105+10:00

Easy mortgage money including interest only mortgage loans, short term mortgage lending and home loans for 100 per cent of the property's valuation might soon be curtailed  Boom and bust in house prices: is easy finance the driver?  Nobody wins in boom and bust property markets, with the exception of savvy property investors, those getting out of real estate during a boom, and maybe

Rick Adlam, Mr Mortgagehttp://www.blogger.com/profile/16252476806260685932noreply@blogger.comtag:blogger.com,1999:blog-29076336.post-5086070960120588622012-08-18T10:07:00.000+10:002013-02-28T13:18:00.099+10:00

The Commonwealth Bank's chief executive Ian Narev has ruled out a rate cut independent of the Reserve Bank in the short-term.The major banks have increased mortgage rates relative to the Reserve Bank's cash rate since the onset of the financial crisis, by lifting rates when the Reserve has kept them on hold, increasing them by more than the RBA's cash rate rises, or not passing on the same

Rick Adlam, Mr Mortgagehttp://www.blogger.com/profile/16252476806260685932noreply@blogger.comtag:blogger.com,1999:blog-29076336.post-88185860377154385952012-08-18T07:50:00.000+10:002013-02-28T13:06:18.693+10:00

Australian Police are investigating a breach of half a million credit card numbers by the same gang that struck the Subway restaurant chain in the United States.The credit card hacking intrusion occurred at an unidentified merchant in Australia and is being blamed on Eastern European hackers who installed keystroke-logging software on point-of-sale terminals (POS) and siphoned card data from the

Rick Adlam, Mr Mortgagehttp://www.blogger.com/profile/16252476806260685932noreply@blogger.comtag:blogger.com,1999:blog-29076336.post-84439287561832622642012-07-26T11:25:00.001+10:002012-07-26T11:34:32.980+10:00

I have been accepting as "fact" for 8 years that Australia has a housing shortage. But what if that was not the case. Would you still buy a home? Is that the question? Investment Banker Mortgage Stanley recently released research that pointed to Australia actually having a glut of housing, rather than the much touted housing shortage we have all heard about that keeps growing like an evil magic

Rick Adlam, Mr Mortgagehttp://www.blogger.com/profile/16252476806260685932noreply@blogger.comtag:blogger.com,1999:blog-29076336.post-57561672995127035892012-07-26T06:33:00.000+10:002013-02-28T13:06:18.699+10:00

What appeared to be a clean 'n' sweet credit card fees deal may have opened a can of worms, in some States, and with convenience stores [low value transactions.] Stores and e-tailers may not find it easier to charge shoppers fees for paying by credit card as a result of a $7.25 billion class action settlement with Visa and MasterCard, which might delay or sabotage its approval, an analyst said

Rick Adlam, Mr Mortgagehttp://www.blogger.com/profile/16252476806260685932noreply@blogger.comtag:blogger.com,1999:blog-29076336.post-680944697619902942012-07-19T08:27:00.000+10:002012-09-07T10:17:18.859+10:00

My first question is how come the 40th richest man in the World needs a mortgage home loan in the first place?  My second question is why is his mortgage interest rate so low? The answer to the first question may be that he is paper money rich?  Many of super rich count money that is not fold-able, see-able or actualized yet. An example is shares that have never been bought or sold

Rick Adlam, Mr Mortgagehttp://www.blogger.com/profile/16252476806260685932noreply@blogger.com1456 Edgewood Dr, Palo Alto, CA 94301, USA37.4539199 -122.1393337.4523444 -122.1417975 37.455495400000004 -122.1368625tag:blogger.com,1999:blog-29076336.post-51910648097889525172012-07-18T14:51:00.000+10:002013-02-28T13:06:18.709+10:00

Entrepreneur Mitch Goldstone lead fight with credit card giants Visa and MasterCard for 7 years to help reach a $7.2-billion settlement over transaction fees.Mitch Goldstone of ScanMyPhotos was a lead plaintiff in antitrust litigation against Visa, MasterCard and the banks that issue their cards over credit card "swipe fee." Visa, MasterCard to pay $6 billion to settle retailers' lawsuitMost

Rick Adlam, Mr Mortgagehttp://www.blogger.com/profile/16252476806260685932noreply@blogger.comtag:blogger.com,1999:blog-29076336.post-34461929355725708152012-07-18T14:08:00.000+10:002013-02-28T13:06:18.717+10:00

The new rules for getting credit card fraud at bay. Never let that card out of your sight, and check your account constantly for suspect charges.Think twice before using your credit cards for low cost transactions where low paid workers serve you.A Chicago man pleaded guilty Tuesday to organizing an ATM “skimming” ring that stole more than $200,000 from diners using bank or credit cards at

Rick Adlam, Mr Mortgagehttp://www.blogger.com/profile/16252476806260685932noreply@blogger.comtag:blogger.com,1999:blog-29076336.post-48420846236293334822012-07-16T20:35:00.000+10:002013-02-28T13:06:18.724+10:00

The Reserve Bank of Australia is urging business owners and operators to get ready for the ban on excessive credit card fees, to come into effect in January 2013Taxis, Restaurants, Tourism and e-tailers are the worst offenders of credit card excessive chargesA Reserve Bank of Australia ruling to limit credit card surcharges to a "reasonable cost of card acceptance" will come into force on January

Rick Adlam, Mr Mortgagehttp://www.blogger.com/profile/16252476806260685932noreply@blogger.comtag:blogger.com,1999:blog-29076336.post-64249409327147358582012-06-18T07:51:00.000+10:002013-02-28T13:18:00.109+10:00

Since the sub-prime home loan bubble burst in 2007 causing house prices to fall 40%, Americans have suffered a record decline in household wealth to 1992 levelsAccording to a Federal Reserve report on the recent recession, the median family's net worth dropped nearly 40 per cent during the three-year period, and this is linked directly to declines in house prices. This was the biggest drop

Rick Adlam, Mr Mortgagehttp://www.blogger.com/profile/16252476806260685932noreply@blogger.comtag:blogger.com,1999:blog-29076336.post-18711105489848454172012-06-15T10:30:00.000+10:002013-02-28T13:14:32.869+10:00

Australian unlicensed payday Lender get 5 year ban from the Industry by ASICThe Australian Securities and Investments Commission [ASIC] has handed a five-year ban to an unlicensed payday lender, saying unlicensed lending poses a risk to the public.Banned payday lender namedVictorian payday lender Victor Manatakis has been banned by the regulator after an investigation uncovered that his business

Rick Adlam, Mr Mortgagehttp://www.blogger.com/profile/16252476806260685932noreply@blogger.comtag:blogger.com,1999:blog-29076336.post-3675298603783074652012-06-14T10:03:00.000+10:002013-02-28T13:14:32.888+10:00

Australian Government Announces reduction in broker compliance burden at FBAA conferenceWhat I like about the FBAA is that they get results that benefit Mortgage and Finance Brokers, not just lenders.As an ex-Mortgage broker, I have been lobbying the Federal Government Ministers, including the Minister for Small Business [ The HON Brendan O'Connor, whom I consider a real asset to small business

Rick Adlam, Mr Mortgagehttp://www.blogger.com/profile/16252476806260685932noreply@blogger.comtag:blogger.com,1999:blog-29076336.post-61512135830315135422012-06-14T09:37:00.003+10:002012-09-07T10:21:34.015+10:00

Is the RBA right on the money with interest rates? A lot of the Australian media is pushing the story that  interest rates are too high. But is the RBA on the money on this one? Everybody seems to have a fixation and an opinion on interest rates these days, and you would think that lower interest rates would fix everyone's problems the way the media is attacking the RBA [Reserve

Rick Adlam, Mr Mortgagehttp://www.blogger.com/profile/16252476806260685932noreply@blogger.comtag:blogger.com,1999:blog-29076336.post-76014542352972787882012-06-14T07:49:00.000+10:002013-02-28T13:06:18.730+10:00

Credit Card Surcharge: Reverse Bank to bring the fair and reasonable test to surcharges of credit cards  Australia's central bank, the Reserve Bank of Australia seems to be coming more proactive in the regulation of the business of banking RBA is targeting excessive credit card surcharges. The ripoff off merchants include big brands such as Qantas, Virgin, and CabchargeThe Reserve Bank

Rick Adlam, Mr Mortgagehttp://www.blogger.com/profile/16252476806260685932noreply@blogger.com