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For anyone who has applied for a loan in the last 18 months or so, you may have been surprised by the sheer amount of intrusion into what you feel are your private spending habits. In an existing era, it seemed as if just having a pulse was the pre-requisite for obtaining a home loan.…
Read MoreYou want to ask your parents to go guarantor for you, but what do you need to know? Guarantor loans are a handy way to get started on the property ladder. In an era of increasing property prices and the corresponding increase in deposit sizes needed, they are the quickest way to get your foot…
Read MoreIt seems patently unfair when you’re a successful business owner and you’re making decent money, and you go to the bank for a home loan only to be told that you don’t qualify. Then you learn about friends of yours who are employees (rather than self-employed), you suspect they earn less money than you do,…
Read MoreIt seems that in the broking industry, we have been steadily getting used to hearing bad news. Whenever there is industry change, instead of expecting something upbeat and positive, we automatically assume that any changes, particularly when it comes to lender policy, are going to make things more difficult, both for us, and for anyone…
Read MoreBuying a home is a stressful endeavour and the current climate is weighted heavily against buyers. There are a few things that all buyers can do to reduce the stress of this decision and be empowered in this competitive market. 1. Meet with a Mortgage broker to discuss a pre approval and confirm your borrowing…
Read MoreFor the last decade superheroes have been a big part of our world. They are everywhere in our pop culture, from ads to memes. However, each hero offers more than just a fun 2 hour movie or a quick joke in a Facebook meme. Every time we see these heroes’ stories, we see them go…
Read MoreApple’s announcement that it was entering into credit cards in the United States this winter was one of the most unexpected turns for the tech company. Equally unexpected was who they were partnering with, Goldman Sachs, who traditionally have not had a consumer focus. While to those in the tech industry it wasn’t an overly…
Read MoreAs a kid, one of the first pieces of financial advice I ever received revolved around credit cards. “Don’t get one, they ruin your life”, or something to that extent. Owning a credit card was really a sin which was up there between outright stealing and drinking coke and then going to bed without brushing…
Read MoreA broker doesn’t benefit if you pay a high interest rate, while a bank does. Brokers aren’t paid based on rate, while a banks’ earnings are directly related to the interest rate that you’re paying. Brokers are paid based on the total loan amount, so whether you pay 5.5% or 3.8% on your home loan,…
Read MoreMost Australians know that they want to own property at some point in their life. Very few Australians proudly say “I’ve done the numbers, and I’m better off renting my whole life”. Some buyers just want to get in as quickly as possible, and some people want to amass as many properties as possible before…
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