Category Archives: mortgage refinance

Mortgage Lenders Biased Against People With Children

Mortgage lenders believe that if you have children you are more likely to default on your home loan repayments. Following the new responsible lending rules that came into effect on January 1 2011, banks and other mortgage lenders have slashed … Continue reading

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Mortgage Exit Fees

With all the talk recently regards “Mortgage Exit Fees”, I feel compelled to add my penny’s worth. Specific mortgage exit fees have always been very reasonable. Most lenders charge a standard fee to tidy up their book work. My experience … Continue reading

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Landlord Insurance

Landlord Insurance or Landlords Insurance as some call it, is a necessary cover for all rental property owners who are serious about making a success of their chosen asset investment. The rental property road is littered with obstacles, none more … Continue reading

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Home Loan Rate Cut In June 09

Can we expect another cut in official interest rates in June 2009? Or has the Australian economy hit its bottom. These vext questions will only be answered in the fullness of time. But, Australia’s major lenders have raised their fixed … Continue reading

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Check Your Mortgage Documents

Check Your Mortgage Documents Unfortunately, I know someone who is having to sell their home at the behest of a Lender. This is real mortgage stress. The lender has demanded a loan be repaid or refinanced within 30days. So much … Continue reading

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What is a basic home loan?

Basic Variable Home Loan. Basic Variable Home Loans are generally the most inexpensive home loans available. They are inexpensive as they generally do not have all the bells and whistles that Banks and other Lenders add to their more profitable … Continue reading

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Property Value Correction Looming

Government stimulus package and historically low lending interest rates will buy some time, but the risk of a massive correction in Australian house and commercial property prices is as high as it has ever been since the great depression. Over … Continue reading

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Australian Property Bubble Ready To Burst

A drop in Australian house and property values is imminent, it is not an if but a when the bubble will burst. Four years ago the OECD (The Organisation for Economic Co-operation and Development) released a report revealing that: “AUSTRALIA … Continue reading

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Mortgage Stress Relief For Some!

Variable rate home loan borrowers are rejoicing the recent rate cuts, but fixed rate home loan borrowers may need a new plan. The Housing Industry Association (HIA), Australia’s peak housing construction body reports that home loan borrowers with a $250,000 … Continue reading

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Are House Prices Going To Fall?

With 70% of all housing stock in the hands of owner occupiers and home loan interest rates moving in the right direction, I seriously doubt it. Home owners will generally do what ever it takes to keep their home, so … Continue reading

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