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According to Professor Asha Rao, while many individuals don’t consider their data “important” enough to feel vulnerable to cyber security threats, it’s precisely that attitude that is preyed upon by cyber criminals.

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The associate dean of mathematical sciences at RMIT University joins host Grace Ormsby on this episode of The nestegg Podcast to discuss the recent cyber attacks affecting the Australian government, the importance of remaining vigilant around cyber security, and the common scams that people should be wary of.

Professor Rao explains how automated technology makes cyber crime more profitable, why the pandemic has increased our exposure risk to such threats, and what to do if you think you’ve compromised your cyber security.

Thanks Professor Rao, for sharing your insights with the nestegg podcast team!

Have an investment story to share? Get in touch at [email protected] and you might get featured on the next episode.

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CBA slashes mortgage serviceability rate

By Charbel Kadib

November 08 2019
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Borrow

CBA slashes mortgage serviceability rate

By Charbel Kadib
November 08 2019

The big four bank has lowered its interest rate floor for home loan serviceability assessments for the second time in less than four months.

CBA slashes mortgage serviceability rate

By Charbel Kadib

November 08 2019
Share

The big four bank has lowered its interest rate floor for home loan serviceability assessments for the second time in less than four months.

The Commonwealth Bank of Australia (CBA) has announced that it will be lowering its interest rate floor for mortgage serviceability assessments from 5.75 per cent to 5.40 per cent, effective from Saturday, 9 November.

The major bank added that applications submitted prior to Saturday, 9 November, that have not yet been formally approved will be assessed using the new floor rate.

The 2.5 per cent interest rate buffer will remain unchanged.

A CBA spokesperson told nestegg sister publication Mortgage Business that in making the decision, CBA sought to balance its regulatory obligations with the interest of its customers and the broader economy.

“In delivering this change, we have ensured we continue to meet our regulatory commitments while remaining focused on delivering great customer outcomes and supporting the Australian economy,” the spokesperson said.

CBA joins Auswide Bank, Heritage Bank and Westpac in revising its interest rate floor twice in response to the Australian Prudential Regulation Authority’s (APRA) changes to its home lending guidance.

In early July, the prudential regulator scrapped its requirement for a 7 per cent interest rate floor and raised its recommended buffer rate from a minimum of 2 per cent to 2.5 per cent.

APRA chair Wayne Byres said the regulator’s amendments were “appropriately calibrated”, stating that a serviceability floor of more than 7 per cent was “higher than necessary for ADIs to maintain sound lending standards”.