Chase Better Finance - Finance & Mortgage Brokers

Mortgage interest rates in Australia have experienced significant fluctuations over the past several decades. Here’s an overview of their historical trends:

1970s to 1980s: Interest rates began to climb, surpassing 8% in 1973. By March 1982, rates had risen to approximately 13%, continuing upward to reach a peak of 17% in June 1989.
STRATEGIC MORTGAGES PERTH

1990s: Following the 1989 peak, rates declined sharply, returning to around 10.5% by June 1995.
STRATEGIC MORTGAGES PERTH

2000s to 2010s: The Reserve Bank of Australia (RBA) adjusted the cash rate in response to economic conditions, influencing mortgage rates accordingly. For instance, in November 2010, the standard variable rate was 7.81% when the cash rate was 4.75%.
FINDER.COM.AU

2020s: In November 2020, the RBA reduced the cash rate to a record low of 0.10%, leading to mortgage rates dropping to around 2%. However, by November 2024, the average mortgage rate had increased to 6.11%.
TRADING ECONOMICS

Specifically, in Western Australia, the average owner-occupier home loan interest rate was approximately 6.36% as of November 2024.
STATISTA

*For the most current and detailed information on lenders’ interest rates, the Reserve Bank of Australia provides updated statistics.

First-time homebuyer duo? Let me show you how to team up and make your dream home a reality 🏡✨

A mortgage isn’t just a loan—it’s your pathway to homeownership! It’s how you finance your dream home, turning aspirations into reality, one step at a time. Whether you’re buying your first home, refinancing, or investing, understanding the basics is key to making informed decisions.Do you feel confident in your understanding of mortgages? 🤔🔘 Yes, I’ve got it covered!🔘 Not really, I could use some guidance.We’d love to know where you stand! Share your vote and feel free to drop your questions in the comments. Let’s break down the mortgage mystery together and empower you on your homeownership journey! 💡

New Year - New Home, New Goals 🎉🏡

Happy New Year! 🎆 2025 could be the year you finally achieve your dream of homeownership. Whether you’re planning to buy your first home, refinance for better rates, or invest in property, now is the perfect time to set your goals.

Let’s kickstart this year by making your homeownership dreams come true. Reach out to learn how I can help you achieve your goals in 2025!

🌟 As we wrap up an incredible year at Chase Better Finance, I want to take a moment to say THANK YOU. Your unwavering trust and support have been the backbone of everything we’ve achieved together. 💛

From helping you secure your dream homes to guiding your financial growth, every step of this journey has been meaningful because of YOU.

As we step into 2025, my commitment to helping you chase better financial opportunities remains stronger than ever. Let’s make the new year even more impactful and prosperous together! 🎉

Wishing you and your loved ones a blessed and joyful New Year! 🏡✨

2024, what a journey it has been!

🎉 From milestones to moments that shaped me, this year has been nothing short of extraordinary.

💫 Grateful for the challenges that made me stronger, the wins that inspired me, and the precious people who walked this path with me.

As we wrap up the year, I’m reflecting on 2024 and looking forward to the possibilities of 2025.
🌟 I’m ready to bring you my very best in 2025, with unwavering dedication and the top-tier service you deserve.

Here’s to growth, gratitude, and chasing better dreams together. Cheers to new beginnings! 🥂✨

As 2024 comes to an end, I want to express my heartfelt gratitude for being a part of my journey this year. Your trust and support mean so much, and I hope this festive season gives you time to rest, recharge, and enjoy special moments with your loved ones.

Broker Support:

Over the holiday season, our Broker Support hotline (08 - 6333- 0610) will be available from 9 am to 5 pm (Perth time) between 23 December 2024 and 6 January 2025, excluding weekends and public holidays.

I truly value our partnership and can’t wait to continue working with you towards more success in 2025. 🎄✨

🎄 This Christmas Eve, Dream of Your Future Home! 🏡 🎄

As we gather with loved ones to celebrate the season, it’s also the perfect time to dream about the future. Imagine next year’s Christmas in your very own home—a cozy living room filled with laughter, stockings by the fireplace, and a tree surrounded by presents.

Your journey to homeownership can start today. Whether it’s your first home, a refinance for a fresh start, or an investment for your future, I’m here to guide you through every step of the mortgage process.

✨ This Christmas, give your family the gift of a brighter tomorrow. Let’s make your dream home a reality in the new year! Drop a 🎁 in the comments to get started.

This Christmas, the best gift could be the keys to your dream home! 🎄 Whether you’re buying your first home or refinancing for a fresh start, let’s make your wishes come true. Ready to unwrap the possibilities? 🎁

Freedom

Did you know? Australians are planning to spend an average of $660 on Christmas gifts this year, with 76% intending to match or increase their spending compared to last year. This reflects a cautiously optimistic outlook despite economic challenges. Interestingly, 70% of shoppers are prioritizing discounts and sales promotions, and November has now overtaken December as the peak shopping period, especially during Black Friday and Cyber Monday.

Are you planning your holiday shopping early, or do you wait for last-minute deals? Let us know your strategy! 🎄🎁

(Source: CPM Australia and Retail Safari reports, 2024)

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🎄 Snapshots of Joy! 🎄

Here’s a glimpse into the festive magic this season brings:

1️⃣ Sparkling lights adorning our favorite corners. ✨
2️⃣ Sharing laughter and love with friends and family. ❤️
3️⃣ Cozy moments sipping hot cocoa by the tree. ☕🎄
4️⃣ Wrapping gifts and wrapping hearts with gratitude. 🎁💖

What are your favorite Christmas moments? Drop your stories or photos in the comments below!

Let’s celebrate the beauty of the season together. 🎅✨

As the holiday season unfolds, I’ve been reflecting on the joy and challenges this week has brought. Helping families prepare for their financial goals during Christmas is a reminder that this season isn’t just about giving—it’s also about planning for brighter tomorrows.

One key takeaway this week? 🎁 Small financial adjustments today can lead to significant long-term rewards. Whether it's saving for a home deposit, refinancing for better rates, or leveraging equity for your next investment, preparation is truly the best gift you can give to yourself.

This Christmas, let’s celebrate not only the season’s cheer but also the steps we’re taking toward financial stability and future dreams. What’s one financial lesson or success you’ve experienced this week? I’d love to hear it!