Exciting Developments for Borrowers: Now is the Time to Act We are witnessing a significant shift in the financial landscape, with mortgage, credit, and SARON rates on the decline. This trend presents new and strategic opportunities for both individuals and businesses. Here’s why you should be paying attention: Key Opportunities to Consider - Declining Mortgage Rates: Mortgage rates are dropping, making homeownership more affordable than ever. Whether you are a first-time buyer or considering refinancing, now is the ideal time to secure lower monthly payments and potentially realize your dream of owning a home. - More Accessible Credit: With personal loan and consumer credit rates decreasing, financing projects such as home renovations, car purchases, or debt consolidation has become more economical. These favorable conditions can significantly reduce the cost of borrowing. - Advantageous SARON Rates: The SARON (Swiss Average Rate Overnight) rate is also on a downward trend, benefiting variable rate loans. This presents a unique opportunity for both businesses and individuals to lower their borrowing costs, thereby enhancing cash flow management and investment potential. - Lombard Loans: In the current low-interest environment, Lombard loans offer an attractive option for leveraging investments. Whether for real estate or financial assets, Lombard loans enable you to borrow against your portfolio at favorable rates, amplifying your investment potential. However, it is crucial to maintain a sufficient safety margin and avoid overexposing yourself to risk. - Potential Rate Cut by the Swiss National Bank: Looking ahead, UBS projects that the Swiss National Bank (SNB) could further reduce interest rates in September 2024, from the current 1.25% to 1.0%. This anticipated move could create even more favorable conditions for borrowers in Switzerland, aligning with the expected gradual interest rate cuts in the USA and the Eurozone. At LM Capital, we are committed to helping you navigate these changes and understand how these rate decreases can positively impact your financial situation. Our expert advisors are here to assist you in making informed decisions that align with your financial goals. #PersonalFinance #MortgageRates #Credit #SARON #LombardLoans #Investment #Opportunity #FinancialAdvice
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The CURE for higher rates… might just be HIGHER rates! 😳 The 10 Year Treasury Yield is the rate of return when buying TREASURY BONDS! 💰 Treasury Bonds are the U.S. Governments DEBTS! During COVID years- the U.S. was funneling a LOT of money in, making the bond market strong in return, lowering mortgage rates! If we see investors start moving money into safer investments such as Treasury Bonds, which is common since our economy is a little rocky at the moment, it will HELP mortgage rates! So where im getting at is… higher rates means a rockier economy which causes a higher 10 Year Treasury Yield that will result in LOWER MORTGAGE RATES! If you found this helpful, give us a like! For more information: 📲Call or Text Us! 816.631.9687 📧dmcgowan@nexamortgage.com #mortgagebroker #homeloans #firsttimehombuyer #mortgageupdate #housingmarket #realestate #realtor #loanofficer #homebuyingtips #homeownertips #mortgagetip #economy #realestatetip #smartinvestor #titlecompany #mortgagelender #broker #wealth #housinginventory #housingmarketupdate #inflation #mortgagerates #housinginventory #economy #inflation #treasuryyield #investors
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📈 Q2 2024 Update: US CRE Debt Capital Availability Improving! 📈 Our latest survey highlights positive trends in the commercial real estate market: ⏹ Expectations for non-bank debt capital availability have surged. ⏹ Mortgage REITs, insurers, and securitizations show significant gains. ⏹ 80% of respondents plan to buy, sell, or both in the next six months. ⏹ Despite high interest rates, capital availability concerns are easing. Real-time data helps us provide actionable insights, ensuring informed decisions. Check out the full report for detailed findings 👉 https://lnkd.in/e9BJBY5K #CRE #RealEstate #DebtCapital #MarketTrends #Investment #AltusGroup #Finance #CommercialRealEstate #PropertyInvestment #EconomicTrends #RealEstateInvesting #CapitalMarkets #IndustryInsights
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[Free Webinar] Join us for an exclusive webinar on "2024 Interest Rate Reduction — U.S. Housing Market Insights." Gain expert perspectives on the latest interest rate reductions and their impact on the U.S. housing market, particularly for international investors. Join us for invaluable insights into mortgage trends, loan rates, and investment strategies in today's financial climate. Date: April 8, 2024 Time: 6:30 PM SGT Register now! https://lnkd.in/g_F5dXw7 www.gmg.asia . . . #RealEstateInvesting #PropertyInvestment #InternationalInvestors #InvestmentWebinar #HousingMarketInsights #InterestRateReduction #MortgageTrends #FinancialStrategies #InvestmentTips #RealEstateExperts #GlobalInvestment #PropertyOwnership #InvestmentSuccess #RealEstateEducation #InvestmentOpportunities #InternationalProperty #FinancialInsights #RealEstateProfessionals
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How Are Interest Rates Determined? 🤔📈 💡 Did you know that the Federal Reserve's federal funds rate plays a pivotal role in setting interest rates in the United States? It's true! This rate, along with broader economic conditions and inflation levels, significantly impacts interest rates on loans and mortgages. 🏠 But what about individual borrowers? Lenders assess your creditworthiness, the type of loan you're applying for, and other risk factors like your credit score and income stability. Generally, the higher the perceived risk, the higher your interest rate might be. 📊 Considering a home purchase and curious about how rates could affect you? Let's crunch some numbers together! Call or send a message for personalized insights and guidance. 🏡✨ Anthony Beharry SRS, PSA, ABR Operations Manager / Realtor, EXIT Right Realty ☎️ 240.554.4003 📲 301.675.8722 🌐www.anthonybeharry.com 📧 abeharry@exitrightrealty.com 📍 8730 Cherry Ln, Laurel, MD 20707 Download my Business Card https://lnkd.in/e48xSBRi #experiencematters #exitrightrealty #exit2021 #exitrealtyinternational #Realtors #militaryhomebuyer #exitrealty #LOVExit #allinforexit #Realtors #realestate #exitrealty #howardcounty #howardcountymd #washingtondc #allinforexit #EXITRealty #spiritofEXIT #thinksmartthinkexit #EXITRealtyIsGrowing #realestatehimanized #thinkresiduals #exitrightrealty
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In the dynamic realm of personal finance, it's vital to make smart choices.💸 In this blog, Walshs Investment Analyst Tim McAllister, explores the intriguing debate between paying down mortgages and embracing the stock market's potential🏡📈 Discover why, amidst rate cuts, stocks may still outshine mortgage offsets. 🚀 #FinanceInsights #InvestingWisdom #FinancialGoals
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[Free Webinar] Join us for an exclusive webinar on "2024 Interest Rate Reduction — U.S. Housing Market Insights." Gain expert perspectives on the latest interest rate reductions and their impact on the U.S. housing market, particularly for international investors. Join us for invaluable insights into mortgage trends, loan rates, and investment strategies in today's financial climate. Date: April 4, 2024 Time: 6:30 PM SGT Register now: https://lnkd.in/g_F5dXw7 www.gmg.asia . . . #RealEstateInvesting #PropertyInvestment #InternationalInvestors #InvestmentWebinar #HousingMarketInsights #InterestRateReduction #MortgageTrends #FinancialStrategies #InvestmentTips #RealEstateExperts #GlobalInvestment #PropertyOwnership #InvestmentSuccess #RealEstateEducation #InvestmentOpportunities #InternationalProperty #FinancialInsights #RealEstateProfessionals
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"For all the deserved attention on the Federal Funds rate, it seems that many have overlooked an important principle: the Federal Funds rate does not directly impact mortgage rates." Insightful article in which David Frosh highlights crucial considerations for CRE investors. Mortgage rates are influenced by various economic factors... not solely the anticipated Fed funds rate drops. Key Takeaway: Investors must pivot towards understanding capital availability amidst over $900 billion in maturing debt in 2024. Despite challenges, high real estate equity and regulatory measures provide stability. Actionable Advice: Prompt refinancing may be prudent, as waiting for rate drops may not yield desired outcomes amidst potential capital scarcity from the tradition debt providers. As always, it is imperative to have informed decision-making in navigating evolving market dynamics. Call me to discuss! #investmentsales #capitalmarkets #commercialrealestate #realestateinvestment #realestateinvesting https://lnkd.in/ef_dnXXW
Interest Rate Drops Will Not Solve CRE Problems | GlobeSt
globest.com
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If you are a saver I am sure you would like to see higher rates on cash but if the FCA is successful in forcing banks to pay more interest one has to speculate on the impact on mortgages and other credit. Building Societies and niche lenders know only too well the correlation between mortgage rates and the cost of funds. The question is whether making banks pay more will force them to charge borrowers more? If anyone within a large bank has the answer please let me know!
The Times & The Sunday Times
thetimes.co.uk
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[Free Webinar] Join us for an exclusive webinar on "U.S. Housing Market Masterclass - Strategies for Rate Reductions & Market Outlook" Gain expert perspectives on the latest interest rate reductions and their impact on the U.S. housing market, particularly for international investors. Join us for invaluable insights into mortgage trends, loan rates, and investment strategies in today's financial climate. Date: April 8, 2024 Time: 6:30 PM SGT Register today! https://lnkd.in/g59UHakA www.gmg.asia . . . #RealEstateInvesting #PropertyInvestment #InternationalInvestors #InvestmentWebinar #HousingMarketInsights #InterestRateReduction #MortgageTrends #FinancialStrategies #InvestmentTips #RealEstateExperts #GlobalInvestment #PropertyOwnership #InvestmentSuccess #RealEstateEducation #InvestmentOpportunities #InternationalProperty #FinancialInsights #RealEstateProfessionals
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RBA holds cash rate at 4.35%➡️ The announcement to hold rates coincides with predictions from the big four banks that the RBA won’t move to reduce rates in the near future, with the earliest estimate of a rate cut from that cohort being November 2024. Today’s decision underscores the importance of staying informed about economic developments and their potential impact on your finances. Whether you’re considering buying a new home, refinancing your mortgage to secure better terms or exploring avenues for property investment, now could be an advantageous time to review your financial strategy. If you’d like to have a chat about what today’s news means for you and your finances, get in touch. 📧 hello@oraclelend.com.au ☎️ 08 8151 0400 #makingfinancesimple #sahomeloans #financebrokers #refinanceloans #samortgagebroker
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