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That little snip is worth sooooooooooooo much in life in general as well as the context here . ta rolf

ANZ are problematic for a number of reasons, their current IO to IO anything process is painful, with a full loan app needed in most cases. 3 weeks is long t arolf

Ubank were doing 6 on call and 6.14 on Mortgages pre blip ( I think) hardly a sensible sustainable thing I would have thought ta rolf

cough ................ Its called cannibalising your own business. Funny how FM needs to raise its rates ........... Its probably good for FM that LOANS is only a small volume operation.........otherwise something would have to give somewhere. 1. Either we break our RBA link...

Which is why some lenders have a hard time getting rid of brokers..........with up to 50 plus plus % of their NTB client base coming from brokers, its no surprise interestingly at least one lender is currently pursuing an active policy to increase their proportion of direct business rather...

and ING are on the bandwagon as well 10 pts ta rolf

tis not very different to an SME where 2 stakeholders have the same 50 % shareholding..........little moves fwd . Thats why I often suggest one party have the controlling interest and if the minority party isnt prepared to do that, the biz is often doomed from the start, since then its not...

Leadership ? Guts to go it alone ? Stuff what the media and polls say ? Whether they have it right or wrong.........................because often history has often shown that politically "wrong" has an interesting habit of morphing to "right" over time. ta rolf

Its a spin doctor exercise by the lenders: ), and its a good thing that the lenders are independent of the RBA, and the RBA is independent of Gov of the day ( in theory at least) While I have rarely agreed with RBA policy, im not on their board, and they have their logic for doing what they...

Despite all the talk of "lack of competition" and rumours of collusion amongst our big 4 that now control more than 80 % of the market, I truly believe there is still sufficient market force to hold them accountable as long as borrowers are willing to make it so. ta rolf

there is a little more behind the scenes while I just sell the stuff and don't price it, most lenders margins on fixed rates are considerably better than they had been on variable rates for quite a while now. I don't so much that the lender wants to lock clients away with a fixed rate per...

I don't think that would put you into a minority per se. My view is obviously different. The government has trouble running its books on a normal basis, and should stick to its core business. In my view that applies both on a state and federal level. When governments start meddling in...

Hi DK In most cases DEFs were only 700 or so. Grantedt, the occasional non bank was a joke at 2 % or more, but they had a small market share ta rolf

im grateful for the free advertising for my business :) so much spin doctor dust, makes makes for a storm in a tea cup in reality, but places great doubt in people's mind, so much doubt that they look to move......... ta rolf

not surprising when you look at three-year and five-year bond rates believe three-year bond rates have gone up quite a bit in the last two weeks. Seeing that Citibank have one of the best three-year rates its not surprising that they have moved those rates are especially seeing they can't...