Borrowing capacities have decreased Do you have an existing home and/or investment loan and are considering buying further property? You will find your borrowing capacity has decreased. The effect is amplified the greater your existing lending and if you have a high proportion of interest only loans. Why is this happening? Banks and lenders have been […]
Unconditional contracts
The risks of signing unconditional contracts for property purchases In a tight property market the temptation to sign an unconditional contract to buy your dream home can seem necessary. A shortage of properties on offer and a tribe of buyers, can make this seem like your only option. If you need a home loan to […]
Which home loan should I have?
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 […]
Do you have a mortgage or a loan?
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