Match the type of home loan to your needs There are a number of different types of loans to choose from. How do you decide which is the home loan for you? The best place to start is to consider what you need from a loan. Then select the type of loan that fits those […]
Specialist Lenders
Specialist lenders-solutions when the bank says no. There are times when a persons situation doesn’t match the lending policies of standard banks and lenders. In these cases specialist lenders may have the answer. There are many reasons why: A persons income type, ie heavily reliant on government payments or casual employment Self employed for less than two […]
Refinance trap
Avoid this refinance trap One of the main reasons we refinance our home loan is to reduce the amount of interest we pay to the bank. The normal process is to calculate the interest we currently pay and compare it with the new loan. Allow for the costs of refinancing, calculate the difference and see if it’s worth […]
Buying property after divorce
Buying another property after divorce or separation A situation often arises post divorce or separation where a person finds themselves with a lump sum of money from the property settlement. Either the previous family home was sold and the proceeds split between the two parties, or one person has been “cashed” out of their equity share. […]
Guarantor Home Loan
Guarantor offering cash rather than property to guarantee a home loan A typical scenario is a first (or subsequent) home buyer wanting to buy a home. They have enough cash saved to pay the purchase costs such as stamp duty, but not the deposit. A close family member, often a parent is willing to go guarantor by offering a property […]
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