THE 3 C’S OF LENDING
Collateral, Capacity, and Character When I first started in lending many years ago – these were the pillars of any lending assessment made by a bank. And it has not…
DO YOU NEED TO REFINANCE YOUR HOME LOAN?
Do You Need to Refinance Your Home Loan If you’ve only taken out your home loan in the last few years, refinancing is probably the last thing on your mind.…
CAN I USE FAMILY AS A GUARANTEE?
With increasing property prices, and also the required 20% deposit to avoid mortgage insurance some young people are looking to the family for assistance to buy their first home. After…
WHAT DO RECENT BANK POLICY CHANGES MEAN TO ME?
You may have heard about recent changes to major bank policies and interest rates etc. These are big changes that are affecting buyers and investors all over Australia. Basically APRA…
WHAT IS A MORTGAGE BROKER?
Mortgage brokers are professionals in the home loan industry. They work with you to determine your borrowing needs and how much you can borrow. Brokers help ensure you don’t take…
SHOULD I USE A MORTGAGE BROKER?
Should I Use A Home Loan Mortgage Broker In Brisbane? There are many reasons why people need a credit or to borrow money. And there are many different types of…
WHAT ARE BEST LOANS FOR SELF-EMPLOYED?
What Are Best Loans For Self-employed? When you’re self-employed and want to obtain a loan, for example for the purchase of your new home, there are certain restrictions and additional…
WHAT DO CHANGING BANK POLICIES MEAN FOR YOU?
What Do Changing Bank Policies Mean For You? In our lives, we are often assaulted by a battery of policies and rules. There are government policies governing the way we…
REFINANCING – THE STORY AND WHY YOU SHOULD CONSIDER IT
Refinancing is the option for you to convert one or more existing debts into one consolidated long-term debt. Essentially it allows you to treat your debts as Playdoh – You…
HOW DO I APPLY FOR A HOME LOAN?
How Do I Apply For A Home Loan? Home loans can be a daunting thing to do, especially for first time home buyers, or people who have never dealt with…