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Looking for a Mortgage Broker in Canberra? Mortgage Choice has expert mortgage brokers located right across Canberra & surrounds. We offer you the choice of hundreds of great home loan deals from over 20 lenders, with appointments at the time and place that suits you.

Mortgage Choice brokers compare hundreds of home loans to find you the home loan that best suits your needs. Find a local mortgage broker now for expert advice at no cost to you.

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Yes! The cash rate has held at a record low in time for Christmas

November 2019

What a finish to the year, with the Reserve Bank of Australia (RBA) has announced its decision for December and kept the official cash rate at a tiny 0.75%.

With no further RBA rate decision before February 2020, we can plan for Christmas without worries about rising rates. And that’s good news for home buyers, owners and investors.

Why are rates so low?

Nationally, the economy is still seeing sluggish growth in jobs and wages.The RBA is hoping that super low interest rates will encourage household spending.

The catch, for the RBA at least, is that plenty of Australians are using low interest rates to get ahead on their home loan, rather than running the savings through cash registers. The RBA will now have to wait until February to see whether further cash rate cuts are needed to give the economy a boost.

Property values forge ahead
While the cash rate may be in a holding pattern, the latest figures from CoreLogic show property prices continue to head north.

October saw home values nationally rise by 1.2%, the fourth consecutive monthly increase since June. The gains were chiefly driven Melbourne (up 2.3%) and Sydney (up 1.7%) though markets Australia-wide are benefiting from low interest rates and improved access to credit.

How are lenders responding

A cash rate of 0.75% is uncharted territory for more leners, and we’re still seeing big differences between the home loan rates of different lenders. 

One thing is for sure though, home loans with rates below 3% are a reality.

If you’re a first time home buyer or you’re upgrading to your next home, or just want to be sure your home loan is still the right choice for you, get in touch with your local Mortgage Choice broker to know how you can benefit from the latest rate cut.

Even better, settle a home loan under $500,000 and go into the running to win 2 years’ worth of interest repayments on Mortgage Choice!

This means if you’re looking to buy a place, or even refinance your current home loan, there are opportunities to save out there.

We know how important it is for you to be able to trust the advice you are receiving from our experts.

Our home loan service comes at no cost to you because we get paid a commission by the lender when you settle a home loan. We then pay your broker but we do it differently from other mortgage brokers. Your Mortgage Choice broker gets paid the same rate of commission no matter which home loan you choose from our wide choice of lenders.

This makes sure they always have your best interests at heart.

We have local experts available to help you with all things finance related. They'll make complicated easy and provide you with the information and advice you need to make the right decisions with your money.

We can assist you with your personal finances including your home loan, car loan and insurances and our financial advisers can help you plan to achieve your financial goals now and in the future. We can also help you organise finance to start or grow your business and fund your assets.

Contact one of our local experts today to see how we can help you. 

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Mortgage Choice was founded by the Higgins brothers over 25 years ago. They believed in giving Australians access to a choice of home loans, backed by expert advice to help them make the right choice. They were pioneers in mortgage broking and we've since helped over 600,000 people with their home loans.

Over the years, our passion for offering choice and advice has been extended to other areas of personal and business finance, including our industry leading financial planning service.

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