Mortgage & Debt

Guidelines to Fix Bad Credit Effectively Through Dispute
By Ray Ethell · 6 months ago
How to Fix Bad Credit Is it possible to live with bad credit? Yes, but it’s going to be tough. Having a bad credit score can make things impossible, pricier and a lot more complicated. ...
Guidelines for obtaining 95% LVR Mortgage Loans in Australia
By Ray Ethell · 6 months ago
Lenders/Credit Providers carefully judge you for the 95% LVR Loan If you are considering applying for a Prime Home Loan with a 95% LVR, it is extremely important that you put forward an impeccable loan ...
What You need to know about Investment Property Financing in Australia
By Ray Ethell · 6 months ago
Are you looking at buying a unit, house, land or commercial property? When it comes to arranging suitable investment property finance, you should explore many different strategies and options. You cannot just jump on the ...
Understanding Different Types of Land Titles in Australia
By Ray Ethell · 6 months ago
What is Land Title? Each state and territory has a central register of all the land in the respective state and territory which, shows the owner of the land. Each state and territory Land Titles ...
How Does Off The Plan Property Purchase Work in Australia
By Ray Ethell · 6 months ago
Off The Plan Purchasing of Property in Australia Australia is currently experiencing a massive boom in apartment developments, and the boom is anticipated to continue for a number of years. Where once off-the-plan apartments were ...
Capital Gains Tax on Property in Australia – Your Quick Guide
By Ray Ethell · 6 months ago
Capital Gains Tax on Property in Australia Capital Gains Tax (CGT) was introduced in Australia on 20th September 1985. The tax applies only to assets acquired on or after that date. Gains (or losses) on ...
What Housing Options are Available in Australia
By Ray Ethell · 6 months ago
Each year, thousands of Australians buy a home or house to live in or to rent out, and lenders/credit providers are quite happy to lend the money to assist them to buy the properties. So, ...
Your Guide to Vacant Land Loans in Australia
By Ray Ethell · 6 months ago
Vacant Land Loans Some people prefer to buy a vacant block of land released for sale in new housing estates or sub-divisions and then have a home built on the vacant land according to their ...
A Guide for First Home Buyers in Australia
By Ray Ethell · 6 months ago
First-Time Home Buyer Guide Currently, Australia is experiencing a great construction boom with Queensland and Western Australia becoming biggest contributors to the boom. The current property market, together with the First Home Owners Grant (FHOG) ...
A Guide to Property Valuations
By Ray Ethell · 6 months ago
What is a Property Valuation? A property valuation is often conducted by a qualified and certified valuer on the request of a lender/credit provider who is looking to fund the purchase of a property. The ...
Your Guide to Being a Property Investor in Australia
By Ray Ethell · 6 months ago
Property Investment Guide Investing in property market has always been a popular option because of its lucrative returns. If you are new to property investment and are not aware of exactly what is required, be ...
What do Lenders Consider when Assessing Your Home Loan Application?
By Ray Ethell · 6 months ago
Factors That Assessors Consider in Approving You for a Home Loan Home loans are a secured loan, which means they have to be taken against collateral instead of unsecured loans that do not require any ...
When is the right time to Refinance My Home Loan?
By Ray Ethell · 6 months ago
Home Loan Refinance Some people tend to ‘secure and forget’ their home loan, just paying attention to monthly repayments only related with that. As the financial sector is a very volatile one and the rules ...
Tips to Buying a New Home Off the Plan in Australia
By Ray Ethell · 6 months ago
6 tips in buying a first home off the plan Many buyers get swept up on a wave of rising property prices when they hand over their deposit in exchange for a floor plan. Historically, ...
Home Loans for Doctors and Other Medical Professionals
By Ray Ethell · 7 months ago
Medico Home Loans are available for Doctors and Other Medical Professionals Are you a doctor? Do you want to buy a home? Do not worry about high interest rates and costly home loan packages. There ...
Your Guide to Finding the Right Investment Property
By Ray Ethell · 7 months ago
Property Investment Checklist In recent times, I have found that when people are researching new suburbs and locations for possible areas of property investment, the majority of these people are unaware of the right questions ...
Alt Doc Home Loans for the Self Employed Australian
By Ray Ethell · 7 months ago
Understanding Alt Doc Home Loans Alt doc home loans (also known as low doc loans) are a very flexible lending solution for self-employed people, property investors, people who do not work regular jobs or for ...
Will Real Estate Prices Drop In 2022 Australia?
By Ray Ethell · 9 months ago
The housing market in Australia is going through a difficult period. The combination of high mortgage rates and stricter lending standards have made the market almost unaccessible for first-time buyers. In addition, the lack of ...
Can you buy a house with bad credit?
By Ray Ethell · 10 months ago
How Is Credit Score Calculated? Your credit score is calculated by Equifax based on the information filed in your credit report at a specific point in time. There are several important contributing factors that are ...
What does a Mortgage Broker do?
By Ray Ethell · 10 months ago
Brokers complete the work that used to be done by the banks, guiding the borrower through the process, ensuring that the product they recommend is in line with their goals and meets their requirements and ...