{"id":20122,"date":"2020-07-13T16:56:54","date_gmt":"2020-07-13T06:56:54","guid":{"rendered":"https:\/\/www.purefinance.com.au\/?p=20122"},"modified":"2023-01-17T16:28:18","modified_gmt":"2023-01-17T05:28:18","slug":"annual-rate-review-summary","status":"publish","type":"post","link":"https:\/\/www.purefinance.com.au\/annual-rate-review-summary\/","title":{"rendered":"Annual Rate Review Summary"},"content":{"rendered":"<p><span style=\"color: #000000;\">The thing about taking out a great home loan is... it doesn't always stay great.<\/span><\/p>\n<p><span style=\"color: #000000;\">We believe that a loan should never be \u2018set and forget\u2019. Which is why we\u2019ve instituted our industry-first <strong>annual rate review process<\/strong> where we continually negotiate with the chosen lender of all our clients to ensure the lowest possible costs on their loan, year after year. It\u2019s just one of the ways we\u2019re doing finance better!<\/span><\/p>\n<p><span style=\"color: #000000;\">Here\u2019s a summary of the results we achieved for existing clients during the first half of 2020.<\/span><\/p>\n<p>&nbsp;<\/p>\n<h3><\/h3>\n<h3><span style=\"color: #000000;\">Annual rate review summary \/ January-June, 2020<\/span><\/h3>\n<p>&nbsp;<\/p>\n<h3><\/h3>\n<h4><span style=\"color: #000000;\">Total results:<\/span><\/h4>\n<p><span style=\"color: #000000;\">For the first six months of the year, we\u00a0reviewed <strong>132<\/strong> loan accounts, <strong>82<\/strong> of which were successful in securing a rate reduction. The average overall monthly saving was <strong>$85<\/strong>, or <strong>$1,020<\/strong> annually which is no chump change! We managed to save one particular customer <strong>$551<\/strong> a month, or <strong>$6,612<\/strong> annually. The average rate reduction was very high at <strong>0.31%<\/strong>.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<img decoding=\"async\" class=\"aligncenter size-full wp-image-20134\" src=\"https:\/\/www.purefinance.com.au\/uploads\/2020\/07\/5.png\" alt=\"\" width=\"1920\" height=\"1296\" srcset=\"https:\/\/www.purefinance.com.au\/wp-content\/uploads\/2020\/07\/5.png 1920w, https:\/\/www.purefinance.com.au\/wp-content\/uploads\/2020\/07\/5-300x203.png 300w, https:\/\/www.purefinance.com.au\/wp-content\/uploads\/2020\/07\/5-1024x691.png 1024w, https:\/\/www.purefinance.com.au\/wp-content\/uploads\/2020\/07\/5-840x567.png 840w, https:\/\/www.purefinance.com.au\/wp-content\/uploads\/2020\/07\/5-1720x1161.png 1720w, https:\/\/www.purefinance.com.au\/wp-content\/uploads\/2020\/07\/5-992x670.png 992w, https:\/\/www.purefinance.com.au\/wp-content\/uploads\/2020\/07\/5-768x518.png 768w, https:\/\/www.purefinance.com.au\/wp-content\/uploads\/2020\/07\/5-544x367.png 544w, https:\/\/www.purefinance.com.au\/wp-content\/uploads\/2020\/07\/5-400x270.png 400w\" sizes=\"(max-width: 1920px) 100vw, 1920px\" \/>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<h4><span style=\"color: #000000;\">Owner-occupied results:<\/span><\/h4>\n<p><span style=\"color: #000000;\">Of these reviews, <strong>89<\/strong> were for owner-occupied loans, with <strong>58<\/strong> of these resulting in a successful rate reduction. The average overall monthly saving was <strong>$77<\/strong>, or <strong>$924<\/strong> annually. The average overall rate reduction was an impressive <strong>0.30%<\/strong>.<\/span><\/p>\n<p><span style=\"color: #000000;\">The highest rate discount achieved was an incredible <strong>1.55%<\/strong>, with a largest individual monthly saving of <strong>$482<\/strong>, or <strong>$5,748<\/strong> annually. (Which is not bad, even if we do say so ourselves!)<\/span><\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<img decoding=\"async\" class=\"aligncenter size-full wp-image-20127\" src=\"https:\/\/www.purefinance.com.au\/uploads\/2020\/07\/2.png\" alt=\"\" width=\"1920\" height=\"1296\" \/>\n<img decoding=\"async\" class=\"aligncenter size-full wp-image-20135\" src=\"https:\/\/www.purefinance.com.au\/uploads\/2020\/07\/6.png\" alt=\"\" width=\"1920\" height=\"1296\" srcset=\"https:\/\/www.purefinance.com.au\/wp-content\/uploads\/2020\/07\/6.png 1920w, https:\/\/www.purefinance.com.au\/wp-content\/uploads\/2020\/07\/6-300x203.png 300w, https:\/\/www.purefinance.com.au\/wp-content\/uploads\/2020\/07\/6-1024x691.png 1024w, https:\/\/www.purefinance.com.au\/wp-content\/uploads\/2020\/07\/6-840x567.png 840w, https:\/\/www.purefinance.com.au\/wp-content\/uploads\/2020\/07\/6-1720x1161.png 1720w, https:\/\/www.purefinance.com.au\/wp-content\/uploads\/2020\/07\/6-992x670.png 992w, https:\/\/www.purefinance.com.au\/wp-content\/uploads\/2020\/07\/6-768x518.png 768w, https:\/\/www.purefinance.com.au\/wp-content\/uploads\/2020\/07\/6-544x367.png 544w, https:\/\/www.purefinance.com.au\/wp-content\/uploads\/2020\/07\/6-400x270.png 400w\" sizes=\"(max-width: 1920px) 100vw, 1920px\" \/>\n<p><span style=\"color: #000000;\"><strong>\u00a0<\/strong><\/span><\/p>\n<h3><\/h3>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<h4><span style=\"color: #000000;\">Investment results:<\/span><\/h4>\n<p><span style=\"color: #000000;\">A further <strong>38<\/strong> reviews were for investment loans, with <strong>24<\/strong> of these resulting in a successful rate reduction. The average overall monthly saving was <strong>$105<\/strong>, or <strong>$1,262<\/strong> annually. The average rate reduction overall was an again impressive <strong>0.31%<\/strong>.<\/span><\/p>\n<p><span style=\"color: #000000;\">For the investment loans on principal + interest repayments, the highest rate discount achieved was <strong>0.95%<\/strong>, with a largest individual monthly saving of <strong>$506<\/strong>, or <strong>$6,072<\/strong> annually.<\/span><\/p>\n<p><span style=\"color: #000000;\">For those on interest only repayments, the highest rate discount achieved was <strong>0.45%<\/strong>, with a largest individual monthly saving of <strong>$190<\/strong>, or <strong>$2,280<\/strong> annually.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<img decoding=\"async\" class=\"aligncenter size-full wp-image-20136\" src=\"https:\/\/www.purefinance.com.au\/uploads\/2020\/07\/7.png\" alt=\"\" width=\"1920\" height=\"1296\" srcset=\"https:\/\/www.purefinance.com.au\/wp-content\/uploads\/2020\/07\/7.png 1920w, https:\/\/www.purefinance.com.au\/wp-content\/uploads\/2020\/07\/7-300x203.png 300w, https:\/\/www.purefinance.com.au\/wp-content\/uploads\/2020\/07\/7-1024x691.png 1024w, https:\/\/www.purefinance.com.au\/wp-content\/uploads\/2020\/07\/7-840x567.png 840w, https:\/\/www.purefinance.com.au\/wp-content\/uploads\/2020\/07\/7-1720x1161.png 1720w, https:\/\/www.purefinance.com.au\/wp-content\/uploads\/2020\/07\/7-992x670.png 992w, https:\/\/www.purefinance.com.au\/wp-content\/uploads\/2020\/07\/7-768x518.png 768w, https:\/\/www.purefinance.com.au\/wp-content\/uploads\/2020\/07\/7-544x367.png 544w, https:\/\/www.purefinance.com.au\/wp-content\/uploads\/2020\/07\/7-400x270.png 400w\" sizes=\"(max-width: 1920px) 100vw, 1920px\" \/>\n<p><span style=\"color: #000000;\"><em>\u00a0<\/em><\/span><\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"color: #000000;\"><em>Got a home loan, but haven\u2019t got the time (or patience) to review it? We hear you, and we want to help! <strong><a style=\"color: #000000;\" href=\"https:\/\/www.purefinance.com.au\/contact\/\">Get in touch with us here.<\/a><\/strong><\/em><\/span><\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Take a look at the numbers (and savings!) from the first half of 2020<\/p>\n","protected":false},"author":90,"featured_media":20125,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[33],"tags":[325,288,326,153,187,182,140,38],"financial_goals":[],"class_list":["post-20122","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-finance","tag-annual-rate-review","tag-finance-for-good","tag-home-loan-review","tag-home-loans","tag-interest-rate","tag-mortgage-advice","tag-mortgage-broker","tag-pure-finance"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin 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