Lending conditions change continuously-what it means to you Our largest lender the Commonwealth Bank (CBA) recently announced a number of changes to it’s lending policy. At face value this implies a tightening of who, how and when the bank will lend money. Looking deeper we see the bank simply responding to changing lending conditions. Lending policies are […]
Top three borrower questions
Three questions every borrower asks (and needs answered) In my experience working with many, many clients, writing hundreds of loans over more than 15 years there are three burning questions that every home loan borrower asks; Will you lend me the money? How long will it take? What will it cost per week, fortnight or […]
Home Loan-Useful stuff to know
Ten things to know about your home loan A home loan is both simple and complex. The overall concept is easy to understand. You borrow money and buy a property. You pay the loan back in small amounts over a long period of time. Within this simplicity are a million complexities. Here’s ten to think about: […]
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 […]
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