Sydney Online Lending Centre

Lending tips & tricks to help you realise your property goals sooner!

Top 10 Energy Saving Tips


Instead of providing ways to save money on your loans, I thought it would be an appropriate time to include some ways to save money on your energy bills...and of course save the planet at the same time. For more detailed info go to http://www.sustainable.energy.sa.gov.au

An energy efficient home incorporates common sense design principles, selection of the most appropriate fuel sources, energy efficient appliances & technology, and the minimisation of our energy use - resulting in;
A reduced need for expensive heating & cooling appliances and systems
reduced appliance and system running costs, and therefore energy bills
reduced energy related greenhouse gas emissions

Our top 10 energy saving tips are:

1. Insulation: heat entry and exit in your home can be greatly reduced by installing appropriate "R" value insulation in the ceilings and external walls (if possible). This will result in a lower need for heating and cooling.

2. Thermostats: set any heating and cooling thermostat temperatures as low as you feel comfortable with during winter (suggest 19-20oC) and as high as you feel comfortable with during summer (suggest 25-26oC). Each 1oC above during winter and below during summer will increase energy use by around 10%.
3. Shading: shade all windows, other than those that face south, with fixed shading devices e.g. awnings and pergolas. An unshaded square metre of glass will let in almost as much heat as a one-bar radiator.

4. Fans: are relatively inexpensive to run at around 2c/hr. While they do not cool the air they can reduce the need to switch on other higher energy consuming appliances and systems.

5. Water Efficient Shower Heads: install AAA rated shower heads which dispense water at 9litres/minute compared to 20-25litres/minute in a more traditional shower head. The less water needed the less energy required to heat. For more information on AAA rated shower heads click here.

6. Solar Hot Water: consider installing a solar hot water system. If you live in Adelaide the sun can contribute 60-70% of your hot water. This will significantly reduce the need to heat water using electricity or gas.

7. Refrigerators: try and get by with only one fridge/freezer. If you have a second fridge and/or freezer only turn it on when required, or better still dispose of it.

8. Fluorescent Lighting: replace incandescent lighting in frequently lit rooms with fluorescent lighting, either tubes or compact fluorescent globes. This lighting uses approx one fifth the energy of incandescent globes and can last up to 10 times longer. Compact fluorescent globes are available at most supermarkets.

9. Standby Power: this is energy used by an appliance/item while plugged in but not performing it’s primary function e.g. the red standby light on your TV/VCR. If an appliance has a standby mode, where and when appropriate switch off these appliances at the power point when not in use or when you are going away for a few days or more.

10. Energy (Star) Ratings: where applicable use appliance Energy (Star) Ratings to select energy efficient appliances. The more stars the more efficient.

posted by Daniel Serratore @ 12:52 pm, ,

Movement in Fixed Rates

Its seems that most of the major lenders have had a crack of the fixed rate market of late.

AMP started the trend with a suprising 5 year fixed at 7.09% while the others remained around 7.30%. Bankwest then entered the 5 year fixed scene at 6.99% and CBA followed up at 7.09% for a 3 year fixed. These rates have since increased.

Well, now its St George's turn...and they are turning up the heat!
For a limited time they are offering a 3 and 5 year fixed rate at 6.95%.

Do the banks know something about the future of interest rates that we don't??

posted by Daniel Serratore @ 12:37 pm, ,

The Author

Daniel Serratore

Daniel is heading up the new generation of Finance Brokers in Sydney. With his fresh approach and "can do" attitude, Daniel has developed relationships with key people within the Sydney lending market which enables him to source great deals for his clients. Daniel is big on customer service and has built his business purely by referrals from clients and other businesses. You can catch him via the email link on the top of this page

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This blog was developed as a resource for our clients and the general public. Although the internet will provide you with many lending providers, I am still to find a resource that shares ideas, tips and general useful info to assist borrowers make the right decisions. Hence this blog was born!

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    I'm Daniel Serratore From Sydney, New South Wales, Australia
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