How Will A Mortgage Lender Assess My Living Expenses?
HEM Living Expenses and How These Affect Loan Assessments What are HEM living expenses and why are they important when you’re considering taking out a home loan? Will your living…
Patrick Cranshaw, a Certified Mortgage Professional for over 21 years, founded North Brisbane Home Loans in 2002. His career began with ANZ Bank in New Zealand, where he progressed over 16 years to a Business Banking role in Virginia. After moving to Brisbane in 2000, Patrick led the QLD market for a home loan agency, helped set up the REMAX Real Estate Finance division, and practiced as a broker.
Should You Refinance Your Home Loan? Top 10 Benefits Of Refinancing
For Brisbane homeowners who have bought property in the past few years, you may be wondering if it is too early to refinance your home loan. Are you experiencing what…
3 Ways cash rate hikes affect interest rates for investment property
3 Ways cash rate hikes affect interest rates for investment property Investment property owners need to be aware of how cash rate hikes can impact their investment home loans as…
Refinancing a fixed rate home loan: should I do it?
Refinancing a fixed rate home loan: should I do it? Is your current mortgage term about to end, and are you considering refinancing it? Refinancing a fixed rate home loan…
How Do I Calculate My Borrowing Capacity When Refinancing?
Patrick CranshawPatrick Cranshaw, a Certified Mortgage Professional for over 21 years, founded North Brisbane Home Loans in 2002. His career began with ANZ Bank in New Zealand, where he progressed…
Your Guide To Australia’s Family Home Guarantee Scheme
Patrick CranshawPatrick Cranshaw, a Certified Mortgage Professional for over 21 years, founded North Brisbane Home Loans in 2002. His career began with ANZ Bank in New Zealand, where he progressed…
How can I prevent mortgage stress?
What is mortgage stress and how to prevent it in Australia? It’s not uncommon to feel a measure of finance-related stress in Australia from time to time. When you’re planning…
What to do when your fixed rate mortgage ends?
My fixed rate mortgage is coming to an end. The rates are insane right now; what can I do? If you’re feeling the pressure of the successive cash rates thus…
Home loan application rejected — now what?
Attention Brisbane first home buyers! Have you had one too many home loan application rejections? Don’t worry, you’re not alone. Many people face the same dilemma and are left wondering…
Buying a second home? Here are 5 tips
Buying a second home can be an exciting and rewarding experience, but it can also come with its own set of challenges. Whether you’re looking for a vacation home, a…