Articles Tagged ‘home loan’

Are you ready for refinancing?

Part of making sure it’s a good time to refinance is determining that you’re ready to do it. As home loans are a significant financial commitment, you’ll need to be sure you can cope with the changes.

Fix or float? That is the question

Many industry experts are now expecting an interest rate rise in March and further rises to follow throughout 2014. So with this in mind, people are starting to ask me ‘should I fix my home loan now?’

Are you ready for refinancing?

There are lots of reasons to refinance your home loan. Part of making sure it’s a good time to refinance is determining that you’re ready to do it. As home loans are a significant financial commitment, you’ll need to be sure you can cope with the changes.

Debt the Halls

Christmas is a time when spending is on everyone’s mind and saving is far from it. Saving your pennies throughout the year is the ideal way to have extra cash by Christmas, but for the less organised, there are other ways to find extra money if you’ve left your run too late.

Make the most of current interest rates

It’s easy to become comfortable with your home loan over a long period of time. While this can be a good sign to show that you’re happy with the loan you have, it can also lead you to miss out on other things. For instance, you might become a little lazy when it comes to […]

Consolidating your debt into your home loan

Dealing with debt can be stressful. You might be managing multiple payments to different lenders or paying various interest rates across accounts. You may just have an outstanding credit card debt hanging over your head. Many people choose to consolidate their debt into their home loan to simplify the process by making one regular payment […]

Getting Home Loan Approval

There are many ways to put yourself in a better position to get the right home loan for your needs. With the Reserve Bank looking at introducing loan-to-value (LVR) restrictions it’s never been more important to put your best foot forward when applying for a home loan. The Reserve Bank see these restrictions as a […]

Home equity loan basics

When buying real estate, you’ll be taking on one of the biggest investments of your life. But your property is likely to also be your biggest asset. While the brunt of these purchases are usually felt through repayment of home loans and mortgages being paid back across several years, a house is also an investment […]

Get your home loan approved faster

Recently banks and lenders have seen a huge increase in home loan applications which is causing some frustration for buyers. So whilst the demand for home loans is high, here are some of my tips on how you can place yourself in the best position to be approved faster. The greatest opportunity to speed up […]

Have you had difficulty getting a home loan?

Low documentation home loan (Low Doc) solutions are designed to suit self-employed customers and small business owners. Low doc loans allow you to apply for the finances you need without the financial statements or tax returns that are usually required. Low doc home loans are now provided mostly by non-bank lenders up to 75% or […]