MORNE LOMBARD BLOG

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    Market begins recovery, but borrowers are being caught unawares.

    “We’re very confident the housing market has bottomed,” proclaimed Australia’s largest property developer last week. But loans are still an issue, needlessly. Make sure your spring buyer clients are prepared sooner rather than later.

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    What do mortgage brokers and gardeners have in common?

    ​If you’re a green thumb: you know one plant species from the next, you have a sense of landscaping styles, as well as the skill, equipment and time, then you don’t necessarily need a gardener. But if you’re lacking time, knowledge, the requisite skill or maybe just don’t want to get your hands d...

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    Warning for first time buyers! Don’t bid until you’ve done these three things

    If you’re buying your first home or helping a family member enter the property market, make sure you’re ‘bid ready’ by doing the following before raising a bidder paddle or making an offer.

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    5 reasons buyers are in the driver’s seat this winter

    Winter traditionally brings with it a lull in the property market, yet this winter is like no other. What’s in it for you if have plans to buy? They say property cycles are seasonal in Australia: in winter we hibernate (owners don’t look to sell and buyers are less active), then in Spring bidders...

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    A new financial year presents a whole new world for borrowers

    ​It feels like everyone’s champing at the bit to see change in the sluggish property and lending sectors in Australia. The central bank consecutively cut cash rates to new lows, banks have quickly responded, the regulator has relaxed the serviceability floor for borrowers, non-bank lenders are b...

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    Are your clients “bid ready” for this unconventional Spring selling season?

    ​As positivity reemerges in the property market, and banks lower the testing rate on serviceability criteria, more of your clients may be planning on buying soon. Indeed, how much they can borrow today is likely vastly different to last month.

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    The good, the bad and the interest only

    The RBA regularly disappoints audiences who prefer their fiscal performances feisty! Same costumes, dreary music, monotone actors. But this month’s curtain revealed a rate cut of 0.25%—the first variation in three years…

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    Is it a bird? Is it a plane? No, it's a pre-approval!

    Your x-ray vision has showed you some properties you’d like to buy. And you’re ready to move faster than the speed of light. But, even your sharp senses aren’t telling you just how much you can borrow… And, uncertainty and lack of confidence are a buyer’s kryptonite! Enter your super power in the...

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    Dinner table convo; nail the Aus economy in 3mins

    The RBA regularly disappoints audiences who prefer their fiscal performances feisty! Same costumes, dreary music, monotone actors. But this month’s curtain revealed a rate cut of 0.25%—the first variation in three years…

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    5 reasons your referral partner should be your BFF in business

    The American alligator balances sticks and branches on its head to entice birds in search of nesting material. The margay jungle cat mimics the cries of baby monkeys. Fortunately, attracting new clients is nowhere near as difficult. One sure-fire way to grow your business is to find referral part...

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    RBA historic cut will spur renewed optimism

    Consumer confidence will be spurred by the ‘perfect three’; political certainty post the federal election, APRA easing credit guidelines and now, the Reserve Bank of Australia’s (RBA) decision to cut interest rates to a historic low today, according to Australia’s largest 100% family and owned mo...

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    Borrowers breathe as banks exhale!

    If you’ve struggled to get a pre-approval/home loan for the amount you’d hoped lately, you probably blamed the bank. It’s frustrating, upsetting, alienating, unfair, infuriating… Since 2014, a high percentage of people have had their applications rejected.

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    The Coalition wins - What do the results mean for your customers?

    In a surprise win, the Coalition has prevailed! After a time of political uncertainty, it’s a relief to know the outcome of the election and what it means for you and your customers. I make it my job to be across these things, and understand what any policy changes include, and how they will assi...