Loans & Mortgages

/Loans & Mortgages
Loans & Mortgages 2017-10-31T16:59:35+00:00
orange house

Home loans are changing with the times. You can now get home loans in a variety of different forms, all with different facilities and features. Deciding which home loan suits your needs can be quite daunting and that’s where sound advice from your professional credit adviser can be invaluable. We’re here to help you sort through all the different home loan options and help you choose the one that’s right for you. But where do you start? What features do you need to consider?

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Home loan lenders and banks have been making use of new APRA regulations/requirements to increase rates across the board. While in some cases this may be justified I remain sceptical. It’s all too easy for lenders to jump on the bandwagon and increase profits when an opportunity presents itself. If you would like more information or would like me to run a comparison for you to see if it will be worth your while – please do not hesitate to contact me anytime.

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We often get approached by self-employed clients and prospects enquiring about their home loan opportunities. And whilst many banks have tightened their credit policies when it comes to the self-employed, with the right help, there are still plenty of options available. What are some things you need to consider as a self-employed borrower?

home loan application form

What is pre-approval and what is subject to finance? Many first home buyers believe you don’t need pre-approval if you intend to use a subject to finance clause in the sales contract when you find a property to buy. But that’s not the case! In this article we explain why it’s a wise move to get pre-approval on your home loan and use a subject to finance clause as well if you can.

credit report

In March last year, an amendment was made to the Privacy Act 1988, which allowed regulation reforms to be applied to the way credit-related personal information can be collected about you by lenders. The new system is known as ‘Comprehensive Credit Reporting’ and has brought Australia in line with the rest of the world regarding the way consumers are assessed by lenders when applying for credit and home loans. This article looks at how Comprehensive Credit Reporting affects you and your capacity to borrow.

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