Post Tagged with: "HEM"

 

  • 2026 – The Year so Far

    In its 11th August 2026 meeting, the Reserve Bank of Australia retained the official cash rate at 4.35%. The financial regulator, APRA, still has the 3% interest rate buffer on […]

     
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  • Understanding HEM (Household Expenditure Monthly)

    What is the Household Expenditure Monthly? The HEM was developed by the Melbourne Institute of Applied Economics in 2011 as a measure to reflect a modest level of weekly household […]

     
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  • APRA Serviceability Buffer

    The Australian Prudential Regulation Authority (APRA) has conducted its final hearings for the inquiry into the financial regulatory framework and home ownership on 24th October 2024. In its remarks, APRA stood […]

     
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Testimonial by Edward & Laura

When looking for a broker, we wanted someone that we could trust to guide us through all the bank noise during this momentous decision. We had previously worked with another broker, and the level of advice and service was left rather wanting. A family member suggested we contact Paul to have a chat, and we were very impressed. We are so grateful that Paul was recommended to us, they couldn't speak more highly of him, and they weren't wrong. Ours was a long journey lasting for well over a year. Paul was with us from the beginning, guiding us with budgeting, managing our expectations and equipping us with the knowledge and confidence to pursue our dream home. After a nerve-wrecking journey and missing out on several properties, we eventually found our ideal home. We are so happy with our journey. Paul patiently kept us focused on our goals the entire time. His decades of experience and knowledge were conveyed to us through his professional, confident approach, which in turn filled us with the confidence we needed. Thanks Paul!