Lower interest rates for Fixed loans

In recent days, the home loan rates for fixed term three and five year loans have been reduced. The ING Bank, St George Bank, Westpac and Credit Union Australia have all cut their interest rates. This reflects the latest monthly fall of 100 points in the professional Futures Interest rates markets, as the world adjusts to a slower growth outlook. The St George Bank three year rate is now 6.39%, CUA 6.34%, ING 6.29%, Suncorp 6.29%, Citibank 6.29% Westpac 6.64%. Banks are making many less home loans, given the volume of home sales has fallen by between close to 60% for 2011, compared to 2010 and 2009.
The direct application websites, offer attractive rates direct over the Internet at U Bank, One Direct, Homepath, Westpac and the Commonwealth Bank, also have direct loan application websites. Direct application eliminates the margin of the Mortgage Broker, of close to 30 points. Recent cut in November of the cash rate from 4.75% to 4.5% and Futures markets indicate likely future falls in interest rates of 100 points over the coming 2012 year. The prospect of slower economy growth in Europe suggest interest rates will remain weak to falling, for lower levels in 2012.
Latest news from Europe indicates a slower economy in Italy, Greece and Spain.

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National Banks,U Bank,via easy home renovating

National Bank’s U bank, is offering Standard Variable loans, at 6.59% through its direct Internet application process. I have flagged this before. This development of the Internet application process shall lower the cost of banking, particularly for home loans. So while Westpac is offering loans at 7.86%, National has loans via the U bank has highly competitive loans at 6.59%. All the big banks have these direct Internet application loans, Commonwealth’s is Netbank, ANZ is ANZ Direct, Westpac is Westpac Online an RAMS. So while, some commentators see a fall in home prices, due in part to higher interest rates. I expect this will be partly offset by lower rates available from the direct application process over the Internet. Many expect interest rates will rise by close to 50 points over the year, while a direct loan application can save you 120 points. Given the recent slowing in retail sales the interest rises mooted, may well be abated.Westpac, are even saying interest rates will fall a whole 100 points over the coming year of 2012.Futures markets are heralding a fall in interest rates.

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More ways to build capital before Home renovating

Let me count the ways. All of these have been real life experiences for some of my pals.

1   Subdivide land for profit, as large blocks are usually worth more, once divided into several smaller blocks.
2   Buy in a temporarily depressed area, like a tourist town or beach area, at the end of a recession.
3   Buy a Master franchise for all of Australia, then subdivide it, to on sell, for each State.
4   Build your own family home, under an Owner Builders Certificate, as a DIY home builder.

Building a Kit home will save you heaps.
5   Build your family home, working as the Project Manager, coordinating the builders tradesmen.
6   Buy depressed Farmland, after a major long term commodity collapse.
7  Convert your Family home into a development of villa units.

8  Convert a Factory or Warehouse into New York style apartments.
9  Buy your Family home on a corner block and build a town house on the subdivided backyard.

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Second jobs, an income ideas

1   Review your friends and network for ideas, like group gardening, book keeping, cleaning, collecting cars wrecks for scrap, renovating sportcars fro collectors.
2   Try a second income, like vending machines, ATM machines or sell products at Sunday markets.
3   Write ebooks, reports or critics, for the world market to sell on the Internet.
4   Transfer your skills into Internet products, like DVDs, Youtube videos, or reports: in order to convert them to passive streams of income.

5   Build a business based on a growing Database via Facebook, Clickbank, Craigslist, backpage, lorque, Kuji, Gumtree or Ebay.
6   Trade shares,or options for profit. A lower risk strategy might be hold mutual funds.
7   Invest in high income, Industrial property, or Short stay apartments or car parks.

8  Joint venture with a Capital partner, by buying double block and earning via subdivision.
9  Consult clients as a business coach, an learn from your clients.
10 Use the Internet to buy and sell websites.
11 Find raw developmental or tumble down houses land for developers, and earn a finders fee. Over time you might learn thebusiness of development from your clients.

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Work,as a way to build Savings for your home Renovating.

Here, I note several ways many of my pals have designed their careers, to build the Initial capital to get into Home Renovating.
1  Work as a geologist to discover minerals, find $6Bn goldmine.
2  Work at a remote mine, where many living expenses and rent are paid by the company.
3  Work in Africa, for the U.S. government, thus most expenses are covered and at a reduced tax rate.
4  Put wife out to work, in a highly paid medical field.
5  Work for a major listed company, and take all bonuses an part salary, as cheap options for big tax advantages.
6  Work as a Financial Planner, thus studying all the best investments all day.
7  Work for a listed company, that gets taken over.

8   Work part-time as Fund Manger for the family wealth.
9  Work overseas in a low tax area, like Hong Kong or Africa.
10  Work as a tax agent, thus meet and learn from, the business people.
11  Work part-time as a local councillor, thus meet the business people, learn about the future growth of your suburb.
12  Work as a Property Manager and thus learn from investors.

13  Work as Building Property Management rights owner and find discounted units for sale.
14  Work at two jobs, not recommended,unless one builds capital.
15  Work in a capital gains protected area,building capital, like home builders.

16  Work at a big Mutual society an get takeover, by a listed company.

17 Work as a Mortgage Broker, an learn from your clients an deals all day long.
18  Work as a successful real estate agent and discuss deals all day!
I have drawn worked in six of these careers, others are my pals,so they are all real cases.

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