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In this episode of the nestegg podcast, David Stratford has a chat with Aberdeen Standard Investments’ head of retirement and product strategy for Australia, Jason Nyilas to discuss all things retirement.

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Investors will learn the importance of financial advice in retirement, since the default pension options available don't always match up with personal expectations.

Jason also weighs in on whether the impending retirement income covenant goes far enough in supporting individual member needs.

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

You can keep up to date with what Jason is up to HERE.

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Saturday, 19 October 2019

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Is loyalty to your bank costing you $35,000?

By Cameron Micallef · July 04 2019

Reading:

Is loyalty to your bank costing you $35,000?

By Cameron Micallef · July 04 2019

Reading:

Shopping around can save investors upwards of $35,000 on their mortgage repayments, according to new market research.

Data from Finder suggests there is a 46-basis-point difference between the lowest rate in the market and the lowest rate from the major banks.

Armed with this information, savvy investors are saving $35,000 over the life of a mortgage if they shop around.

According Finder insights manager Graham Cooke, investors that are willing to shop around can now get sub-3 per cent variable home loans.

“Last month, a couple of lenders broke the mould with sub-3 per cent fixed loans. This month, we’re already seeing this extend in the variable home loan space with Reduce Home Loans leading the pack with a never-before-seen 2.89 per cent rate.

“The question on everyone’s lips now is, how low will lenders go? This latest rate cut shows smaller lenders are setting the benchmark with rates that start with a ‘2',” said Mr Cooke.

Aussies willing to break up with the big 4

According to comparison site Finder, there has been a surge in Australians trying to leave their fixed loans, with a 408 per cent increase in those seeking more information about fixed rate home loan break costs.

Furthermore, Australians are searching for better value with a 313 per cent uptick in variable rate home loans over the same period.

Following the royal commission into the finance sector, borrowers are becoming increasingly likely to leave the big four banks.

By the numbers:

The new average standard variable rate for the big four banks is 4.94 per cent
The new average lowest variable rate for the big four banks is 3.42 per cent
The lowest variable rate on market is 2.89 per cent (Reduce Home Loans)
The lowest variable rate of the big four banks is 3.35 per cent (NAB, CBA)

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About the author

Cameron Micallef

Cameron is a journalist for Momentum Media's nestegg. He enjoys giving Aussies practical financial tips and tricks to help grow their wealth and achieve financial independence. As a self-confessed finance nerd, Cameron enjoys chatting with industry experts and commentators to leveraging their insights to grow your portfolio.