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Listen "Rate Cuts, Christmas Deadlines & How to Get Finance Fast"
Episode Synopsis
In this Finance Friday edition of Wealth Coffee Chats, we dive into the latest interest rate movements, lender behaviour, and what the lead-up to Christmas means for anyone trying to secure finance. With rate cuts now unlikely for the rest of the year—and mixed predictions for 2025—Alex breaks down what banks are really signalling through their fixed-rate pricing.
With Christmas just weeks away, lenders and solicitors are heading into their busiest season, meaning turnaround times are blowing out. If you need finance approved before the break, you’ll need to act now. This episode also covers the essential documents required, new refinancing products, and how borrowers can potentially access equity quickly under simplified assessment rules.
Episode Highlights:
Why some lenders are increasing 1-year fixed rates—and what that suggests about possible rate rises next year.
Christmas finance crunch: why lenders slow down, and why December applications won’t settle until February.
Key documents you need to prepare now for PAYG, self-employed, refinance, or investment loans.
How open banking speeds up approvals and reduces paperwork.
New full-doc-rate refinance products that don’t require full-doc paperwork—just your 12-month repayment history.
How you may be able to access up to 3% equity as part of a quick refinance for debt consolidation or cash needs.
Why acting before month-end is critical if you want finance sorted before Christmas shutdowns.
Whether you're purchasing, refinancing, or just planning ahead, this episode gives you the timing, tools, and insights needed to stay ahead of the holiday slowdown.
With Christmas just weeks away, lenders and solicitors are heading into their busiest season, meaning turnaround times are blowing out. If you need finance approved before the break, you’ll need to act now. This episode also covers the essential documents required, new refinancing products, and how borrowers can potentially access equity quickly under simplified assessment rules.
Episode Highlights:
Why some lenders are increasing 1-year fixed rates—and what that suggests about possible rate rises next year.
Christmas finance crunch: why lenders slow down, and why December applications won’t settle until February.
Key documents you need to prepare now for PAYG, self-employed, refinance, or investment loans.
How open banking speeds up approvals and reduces paperwork.
New full-doc-rate refinance products that don’t require full-doc paperwork—just your 12-month repayment history.
How you may be able to access up to 3% equity as part of a quick refinance for debt consolidation or cash needs.
Why acting before month-end is critical if you want finance sorted before Christmas shutdowns.
Whether you're purchasing, refinancing, or just planning ahead, this episode gives you the timing, tools, and insights needed to stay ahead of the holiday slowdown.
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