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Rate City's data insights director Peter Arnold said, as overseas markets expect global rates to go up, it will become more expensive for Australian banks to borrow, trickling through to higher rates for consumers."There's a lot of talk on fiscal policy and investment infrastructure and pumping up the economy," he explained.The Rate City report found that owner-occupier home loan rates averaged around 4.3 per cent, compared to investor loans at 4.6 per cent."Rates are not necessarily moving up for everybody the same," observed Mr North."For investor mortgages, rates are moving faster, and that's because of the different risk profile that banks have for investor loans and also the regulator bearing down as well."So there are some changes there thanks to the regulatory framework that's just come through, so differentially, owner-occupiers are paying a little less than investors at the moment."Banks lifted some credit card rates during the December quarter, with hikes focussed on the lowest and highest rates - two out of three of the lowest rate cards on the market had their rates lifted, while the highest rate in the market increased by 1 percentage point to 24.5 per cent, the highest on record.PIPPA MIDDLETON Pippa - Kate's little sister - graduated from Edinburgh University in July with a degree in English.Currently "taking some me time" out (just like her sister).We are excited about a new Vixen Swingers web site and club currently in development.It will offer couples a world-first online club dedicated to Australian swingers.Many employers these days resort to Facebook to find out about a person’s lifestyle and personality.

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