How to cope with higher interest rates

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How to cope with higher interest rates
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While the Seeff Property Group continues to advocate strongly for lower interest rates as the higher rates are stifling the economy and property market, the reality is that the higher rate may be around for a while longer.

Recognising the impact and making some adjustments can go a long way. Start by reviewing your budget and making adjustments. Look at where you can cut by cancelling unnecessary subscriptions and shopping around for cheaper insurance premiums. You could also look at accessing surplus funds in your mortgage loan. If you have an access bond, you can access any surplus funds accumulated to pay off some debts. Seeff’s mortgage originator, ooba, says you could also refinance your home loan. This will require a new bond to be registered, which will be based on the latest value of your property.

Your home is vital. Avoid financial distress on your home loan by immediately contacting your mortgage bank if you are battling to keep up with the repayments so that you can make alternative arrangements.

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