Monday, 23rd April 2018
You might be surprised at what really drives interest rates

You might be surprised at what really drives interest rates

  • Jennifer M Schelbert
  • 8th September, 2017
Mortgage Opinions and Views

Lenders are increasing interest rates irrespective of the RBA Board’s decisions on the cash rate. Many investors and mortgagees may not fully understand why this is happening and how it might affect the current low rates – and their loans - in the future. This article explains as simply as possible what drives interest rates and why they’re increasing.

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The relationship between interest rates and housing affordability

The relationship between interest rates and housing affordability

  • Jennifer M Schelbert
  • 7th June, 2017
Mortgage Opinions and Views

This article uses a comparison between 2011 and 2016 to determine the effect of falling interest rates on average property prices in Australia. It also takes into account wage changes over that time and what could lead to mortgage stress.

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Preapproved: What Mortgage Shoppers Need to Know & Understand

Preapproved: What Mortgage Shoppers Need to Know & Understand

  • Jennifer M Schelbert
  • 7th June, 2017
Mortgage Opinions and Views

Getting approval for a mortgage loan is a process with no shortage of moving parts.

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Lenders Mortgage Insurance 'makes all the difference'

Lenders Mortgage Insurance 'makes all the difference'

  • Jennifer M Schelbert
  • 20th November, 2016
Mortgage Opinions and Views

Many years ago, if you did not have a big deposit and you needed to borrow more than sixty or seventy percent of the value of your home, the answer was either “No” or you were forced to take an expensive second mortgage to make up the difference

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Entering the investment property market

Entering the investment property market

  • Jennifer M Schelbert
  • 28th July, 2016
Mortgage Opinions and Views

Entering the investment property market

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A different 'End of Financial Year Sale'

A different 'End of Financial Year Sale'

  • Jennifer M Schelbert
  • 11th June, 2016
Mortgage Opinions and Views

As June 30 fast approaches, there is still time to consider the strategies available to you this financial year to build your wealth, some of which are discussed below.

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Joint tenancy! What is it?

Joint tenancy! What is it?

  • Jennifer M Schelbert
  • 16th May, 2016
Mortgage Opinions and Views

It has nothing to do with renting a property, it the decision that needs to be made when two or more people are buying a property together. It refers to how they own the property. This will ultimately determine how the property is dealt with if one of the owners passes away.

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A guide to 'Insurance for a Mortgage'

A guide to 'Insurance for a Mortgage'

  • Jennifer M Schelbert
  • 7th May, 2016
Mortgage Opinions and Views

It’s important for borrowers to understand there are two types of mortgage insurance: the one you pay to protect your lender, the other you pay to protect yourself, your family and your home. Understanding the two types will ensure you’re not caught thinking you’re protected when you’re not.

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About the Author

Mrs Mortgage is, in fact, a real, live person better known to her friends as Jennifer Schelbert.

Jennifer is a director of Mrs Mortgage and is also a licensee of Choice Aggregation Services - she is also a full member of the Mortgage and Finance Association of Australia (MFAA).

Jennifer Schelbert Credit Representative number 398747 of Mrs Mortgage Corporate Credit Representative number 396742 (ACN 063 827 216) of BLSSA Pty Ltd (Australian Credit License No. 391237)

Disclaimer: This document is for information purposes only, and must not be relied upon as a substitute for professional services or legal advice.


Blog Categories

Case Studies and Testimonials

Real people sharing their stories - good and bad - about their experience in the Australian mortgage market.


Legislation and Regulatory Updates

News and updates on changes to legislation and other regulatory updates


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All recent news and updates concerning Mortgages in Australia


Mortgage Opinions and Views

Opinions and views about mortgages and the state of the market in Australia


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Miscellaneous and other articles


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