Low Doc Loans

Low Doc Loans If you’re self-employed and are interested in taking out a home loan for property, you may be wondering what to do if you are unable to provide all the necessary financial documents for a loan. By ROB WALMSLEY Most banks require proof of income by way of two years financials and tax […]

Finance Pre-Approval

Finance Pre-Approval When first thinking about entering the property market, there are so many things to consider that it’s easy to overlook one of the most fundamental. By ROB WALMSLEY A finance pre-approval for your mortgage can make the whole experience far less stressful and a more streamlined process. The knowledge that your finance is […]

Your Credit Report

Your Credit Report Applicants looking to borrow for a new home need to be sure their credit rating is as good as it can be to ensure approval and make sure they aren’t charged a higher interest rate. By ROB WALMSLEY Banks use credit ratings as a tool to determine applicant’s credit worthiness. If they […]

Low Documentation Loans

Low Documentation Loans If you’re self employed and looking at either refinancing or purchasing a property, you may be left wondering what your options are if you don’t have all the necessary paperwork. By ROB WALMSLEY Normally, self employed applicants need to supply financials and tax returns for the past two years for both the […]

Rate Cuts May Be Coming To An End

Rate Cuts May Be Coming To An End The Reserve Bank of Australia has been indicating that the days of rate cuts may be coming to an end. By ROB WALMSLEY Maybe it’s time to have a look at your situation and consider fixing part or all of your loan while fixed rates are so […]

It May Be Time To Re-Assess

Tips for Renovations With rates at an all time low and suggestions from the Reserve Bank that rate cuts may be over, perhaps it’s a good time to re-assess your current loan to make sure you’re getting the best deal. By ROB WALMSLEY Fixed rates are attractive because you have the certainty of what your […]

Finance Pre-approval

Finance Pre-approval When purchasing a property, don’t think that just because your offer has been accepted that it’s all done and dusted. By ROB WALMSLEY When purchasing a property, don’t think that just because your offer has been accepted that it’s all done and dusted. An offer is not legally binding until the contract has […]