Thursday, November 22, 2012

Win a $100 Christmas Wish Card!*



Homeloans is doing some research on Christmas spending habits. To help us do this, we have constructed a brief survey that will help us gain an insight into whether people will be changing their Christmas present spending habits this year - and if so, why. By completing the short survey, you could be in the running for a $100 Christmas Wish gift card.

Answering the following questions should only take a few minutes of your time. To begin the survey, please click on the link below.

And don’t forget you’ll be in the running for a $100 Christmas Wish gift card! If you’re the winner, with one simple swipe you could buy electronics, appliances, homewares, stationery, toys, groceries, petrol, liquor or cosmetics – to name but a few.

Please be assured that all the information you provide is confidential, results will be aggregated and no individual will be identified in any way.

BEGIN SURVEY

Win Gold Class Movie Tickets with Homeloans!



Thanks to Homeloans’ Customer Benefits partner Member Advantage, we’re giving away some great prizes!

  • First prize: four unrestricted gold class tickets
  • Second prize: double unrestricted adult pass with candy bar combo
  • Third prize x 5: double restricted adult passes

Simply 'Like' us on the Homeloans Facebook page and fill in the entry for your chance to win!

The prizes can be redeemed at Greater Union, Birch Carroll Coyle, Village, Event or Hoyts cinemas.

ENTER

Christmas presents on a budget



We look at some great gift ideas and practical suggestions to help reduce stress over Christmas presents without blowing your budget.

Read more

To fix or not to fix




They’re at their lowest level in around 20 years – so it’s not surprising that fixed interest rate home loans are becoming increasingly popular with Australian borrowers.

Read more

Monday, November 12, 2012



Never fear, gadgets are here!
The latest in high-tech security devices


Homes are becoming more and more-high tech – from lighting to music to security you can control with your iPad, to high-tech gadgets that make life a little easier, more comfortable and a lot safer. The connected homes you see in the movies are becoming a reality. In this e-newsletter issue, we take a look at some of the latest home security gadgets on the market today.

With a variety of high-tech home security gadgets to choose from, protecting your home from intruders is increasingly easy and inexpensive. And with a little research and planning, you can come up with an effective home security system to fit any budget.

Head of Policing at the University of Western Sydney (UWS), Dr Michael Kennedy, says a high-tech home security system is one of the best deterrents. “Home security systems deter criminals from attempting to rob your home. When they see you have a security device they usually move onto another dwelling,” says Dr Kennedy.

Here are some of the hottest high-tech gadgets you can get right now to move you one step closer to a wired and secure home.

The flow on effect



Rate cuts push house prices higher

AAP and Lisa Llewellyn

Capital city house values are on the up, with interest rate cuts from May and June continuing to kick in, according to the latest RP Data Rismark Home Values Index. 

Values rose two per cent in the September quarter, the biggest quarterly jump in two years. The Home Values Index revealed that house prices rose 1.4 per cent in September – the largest monthly increase since March 2010.

On a quarterly basis, house prices in Australia’s eight capital cities rose two per cent. Leading the way was Adelaide, with rises of 2.4 per cent, followed by Perth (1.6 per cent), Sydney (1.5 per cent), Melbourne (1.4 per cent) and Brisbane (1.1 per cent). Conversely, Hobart, Darwin and Canberra all reported falls – by 0.2 per cent, two per cent and 0.6 per cent respectively.

The result suggests that the weakness in the housing market from earlier in the year has since dissipated. 
According to RP Data research director Tim Lawless, improvements in the market since mid-year were linked to the Reserve Bank of Australia’s cash rate cuts in May and June.
“It’s no coincidence that housing market conditions bottomed out at the end of May, after the Reserve Bank cut the official cash rate by 50 basis points,” Lawless said. “A further cut of 25 basis points in June and the anticipation of further rate cuts in the pipeline appear to have instilled renewed confidence in the housing market, which has driven the growth in home values.”
CommSec economist Savanth Sebastian said he believed house prices would continue to rise. 
“Not only has there been a modest pick-up in activity across the sector, but rental vacancy rates remain low,' he said.
“In fact, total returns on residential property were up a healthy 3.1 per cent in the year to September despite the significant weakness in other asset classes like shares.
“While builders will continue to compete hard for available work, home owners are likely to see the value of their homes rise over the year.”

Thursday, July 19, 2012

Using energy efficient solutions for a greener way of life



Rising power bills, the carbon tax and ongoing debate about climate change make the thought of creating a sustainable home seem quite daunting, as householders look at ways to save. But it’s easy to start off small to create a sustainable and greener way of life.
Energy efficiency is about doing more with less – and Australians are certainly becoming increasingly aware of the many tools (small and large) that are now available.

Investment properties: not just for the rich and famous



According to the Australian Taxation Office, one in seven Australians owns an investment property. A common perception is that you need to be rich to own an investment property, but in fact more than two thirds of all investment properties held by Australians are done so by people earning less than $80,000 a year! [source: ATO April 2011]

Thursday, June 14, 2012

Win the ultimate 'His and Hers' prize pack!*

Go in the draw to win the ultimate 'his and hers' prize pack! Get behind the wheel of a V8 Supercar or relax with a pamper package*. You will win both experiences, but we'll let you decide who takes which prize! Enter

Grounded in style with nature at your feet

Floor coverings are more than just a finish. Connecting your home’s four walls, flooring can build character, create function and provide finesse. Here we take a look at on-trend options that offer sustainability and style in flooring for your abode. Read more

How the Eurozone crisis affects interest rates

What difference does the Eurozone crisis make to the hip pocket of Australians? We explore the impacts of Europe’s debt woes on interest rates for Australian homeowners.
Read more

Wednesday, March 14, 2012

Carbon Conscious Tip of The Month : March 2012


If you live in a two-car household, why not drive your smaller car to work on the week days and only use your larger vehicle for the weekends and shorter trips. This will save you at the fuel pump as well as reduce your carbon emissions.

Customer Benefits : March 2012

Magazine discounts from iSubscribe
Receive 8% off already reduced prices on subscriptions from iSubscribe. Choose from over 2,300 magazines and newspapers including Better Homes & Gardens, Men’s Health, National Geographic and Marie Claire. Read more

Save on package hotel deals
Best Western is currently offering great deals for 2, 3, 4, 5 and 7 night stays^ at selected hotels across Australia, New Zealand and Fiji. Homeloans customers also enjoy a standard 10% discount on all Best Western accommodation. Read more

$2,856 saved per new car purchase
Member Advantage helped members save on average $2,856 on new car purchases using the Private Fleet car buying service in February 2012. Save up to 20% on your next purchase, available for most makes and models. Request a quote

Lounging Around

By Belinda Hill
What are the hottest and most trendy hues and styles in lounges and sofas today? We give you some tips to help make your most lived in room a lounge-around sanctuary.
The lounge room – also known as the living room or drawing room – is where you entertain guests and relax at the end of a tiring day. So when decorating a lounge room, it’s important to keep in mind that it should be inviting, comfortable and welcoming all at the same time, thus creating a lasting impression in the minds of all who lounge there. Enter the humble (well not so humble these days) sofa.

FreedomGone are the lumpy sofas of yesteryear and seat cushions which looked great but went flat when you sat on them, and in their place are versatile, vibrant and super comfortable sofas and lounges in all shapes and sizes. And luckily in 2012, decorating with personality, originality, natural tones and longevity is a trend we can all enjoy.

Andrew Moricz, Head of Furniture - Freedom says: “It might be cold outside, but the new winter 2012 collection of lounges and sofas is set to warm up your home. This winter our sofas are all about classic modernism punctuated with statement pieces. Beautiful lines, enduring comfort and outstanding value.”

And in Andrew’s words, the new range of sofas “dial up classic Danish design in buttery leather and rich fabrics to offer the best seat in the house.”

“Put your feet up in style, from home-starter studio-sized sofas through to sprawling family modulars,” he says.

Buying a new lounge can be quite daunting, especially since there are so many options available to choose from. Some trends and styles to consider:

Earthy neutral territory
This style never goes out of fashion and is always evolving. Natural fabrics, especially in linen lounges and armchairs, the ubiquitous striped sofa or ottoman and the white and beige palette are always in the picture. Lounges are large - almost oversized - and deeply comfortable, as well as often being feather-filled and covered in cushions in many shades of white.

Feast of Euro chic elegance
Sectional, or modular, sofas may have been originally invented for apartment living since they can be taken apart and reassembled very easily, but the models on display in today's designer showrooms have taken the idea to a new level. Packaged in ultra-cool styles that reflect a European sensibility, these are sofas of distinction, which will accommodate a family or group and therefore suit living spaces that give plenty of room to showcase their features.

Colour up in bright and bold
Brightly coloured lounges are big news this year, but while the hues are strong, they are not pure – think burnt orange as opposed to a tangy citrus. Choose a sofa or armchair covered in these smouldering shades to get the look. This fashion-forward palette combines mustards, teal blues, khaki limes and dusty crimsons.

The chaise attachment for the L-shaped sofa is still popular, but there's also a move to buy less conventional additions to the lounge room in the shape of large ottomans, low-slung pouffes and beanbag-type seating inspired by 1970s designs. New stain-resistant fabrics are making their way into living rooms, too, making it easier for families to justify a big spend on a designer sofa when there are young children to consider.

La vie en rose
Romance in home decor needn't be saved for the bedroom. A living room that includes French-inspired furniture, rich textures, antique heirlooms and glamorous accessories will add a playful sophistication to the most popular room in the house. Wing chairs are right on trend in this style of decor and although they may look quite formal, they are actually very comfortable.

FreedomUrban Mix
Leather lounges are all the go in this decor style, especially well-worn vintage ones, or at least those that replicate an aged patina. Combine dark and moody colours with something bright and glimmering, such as a spotlight, or splash a graphic mural across a feature wall to add depth and drama.


Mid-century modern

Lounges and armchairs are a key feature of this style, upholstered in bright block colours of coral, lime, mustard and plum, as well as graphic floral prints. The prevalence of rosewood and teak in a living room complements the sunny-coloured upholstery of seating.

Read more!

Has the RBA lost its power?

By Will Keall & Lisa Llewellyn

Last month was both frustrating and confusing for many Australian homeowners. One week the media were all but promising a rate cut; the next we had lenders increasing the interest rates on home loans. The question that many are asking is: why does the Reserve Bank of Australia (RBA) make monthly decisions on ‘interest rates’ if lenders just do their own thing anyway?

We spoke to Homeloans general manager of funding and investments, Scott McWilliam, on the topic of the correlation (or lack thereof) between the RBA target cash rate and the rate the home loan borrower pays. In our discussions with Scott, we went back to the basics, as it is important to explain some of the fundamentals behind lenders’ cost of funds.

“Australian lenders have reasonably diverse funding bases, but the two major contributors are deposits and debt raised in domestic and foreign capital markets,” Scott explains.

“This debt that the financial institutions raise is at a cost that is influenced by a number of factors, one of which is, indirectly, the cash rate that is set by the RBA.

“Put simply, the cost of this debt is determined by a base rate plus a margin which generally reflects the perceived level of risk to an investor. The most commonly used base rate is the bank bill swap rate which is influenced by the cash rate, although not exclusively.”

Since the financial crisis of 2008/09, the rate to the borrower had mainly moved in line with the RBA-defined cash rate, but it seems that this trend is changing. So what is driving this change? read more...

Wednesday, February 15, 2012

Kitchen Trends

A quality kitchen with a good design can add thousands in value to your home. And for those looking to renovate, improving your kitchen can do wonders for the functionality of your home. We look at what’s hot in 2012 in kitchen design.
By Katie Adema

Good design adds value
Originally a little room used purely for cooking and hemmed off from the social areas of the house, the kitchen has sure come a long way in terms of design! Today’s modern kitchens predominately work with an open plan to accommodate their new role as the social hub of the home.

LaminxJenny O’Connell, head of kitchen products and design at Taste Living, says: “One should not view kitchen design in isolation; rather they should reflect your lifestyle and personal style while working harmoniously with other spaces – even outdoor areas.”

Jenny suggests that prospective renovators really think about how they use their kitchens and not be too committed to what they think a kitchen should look like. “Explore all possibilities and find a designer that really takes the time to understand your lifestyle requirements,” she says.

So what are the current trends?

At the moment, we are seeing two different overall styles in kitchen design. The predominant trend is a very modern and sleek look, with minimalistic detailing on surfaces and smooth finishes. The other is a more traditional style, with French-provincial style cupboards and benchtops and ornate handles, but still with modern elements of storage solutions and open layout.

Here is a breakdown of the most recent kitchen innovation ideas.
Read more...

Why the RBA didn’t move

...and took economists by surprise

By Lisa Llewellyn & Will Keall

How could 24 out of 27 economists have gotten it so wrong? The odds were on for the Reserve Bank to cut interest rates at the February Board meeting, but the decision to keep rates on hold certainly had people scratching their heads.

There are a number of reasons why the Reserve Bank defied expectations.

In the absence of a Reserve Bank Board meeting in January, a rate cut this month would have meant a hat trick of rate cuts. But this would have sent a message about the state of affairs in the Australian economy that the RBA did not want to be sending – despite it seeming to be open to further cuts in the near future.
Read more..

Monday, January 23, 2012

Carbon Conscious Tip of The Month

Use fluorescent tubes. They last up to eight times longer than ordinary light bulbs and only use a quarter of the electricity.
For more information about the Homeloans Carbon Conscious program, click here

Time to cut the grass!

With the warmer temperatures and, in many parts of Australia, good rainfall, lawns around the country are no doubt growing at a rapid rate of knots. 

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Resolving to save in the New Year

It’s the New Year, a time when resolutions are top of mind – and managing debt is often on the top of people’s lists, particularly after a splurge at Christmas and during the sale season.

Read more