Sam Hunt
speaker
323 appearances
1 recordings
1 series
first heard Aug 2026
last heard 3 Aug
Sam Hunt’s voice in public audio — every appearance, attributed to the second.
Trend
recordings per month · last 12 monthsRecordings per month over the last 12 months — 1 in all, peaking in Aug 2026 with 1.
Appearances
Yeah, it will.
So you're going to get into the routine of monthly amounts coming out of your UBank account to cover the mortgage.
And then if interest rates go up,
The banks are usually pretty quick to pass on that rate rise.
Yeah, you'll get notification, you'll get an email from the bank and they'll say it's going to go up by, I don't know, let's call it a quarter of a percent.
They're going to go up to 6.34%.
Straight away?
Typically within a few weeks.
All right, so then they'll tell you what your new monthly mortgage amount will be and then it's up to you to make sure there's sufficient money in that offset account or in that bank account.
Okay, and then on the reverse side, if the RBA starts cutting interest rates, the bank's
Typically pass on all the rate cuts, stress the word typically.
Sometimes if there's a quarter of a percent rate reduction, they might only pass on a 0.2% reduction.
And they sometimes just delay that a little bit longer than if interest rates are going up.
Yeah, yeah, absolutely.
So my wife and I, we recently refinanced.
We changed lenders.
We took our initial mortgage with one particular bank and we've changed probably about three or four months ago now.
There tends to be a bit of loyalty tax involved.
When you're a mortgage holder and there's people that say, oh, I've had the same mortgage or the, you know, I've been with the same bank with my mortgage for the last 10 or 20 years.
If you don't shop around, the bank is going to potentially charge you a higher interest rate than maybe other lenders may.
Showing 281–300 of 323 · page 15 of 17
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