Sometimes We Need A Fresh Start
We cannot dwell on the past, but unfortunately the banks often do and penalise us for years after we have had something go wrong. A default will stick on our credit reports for 5-years after being listed and when the banks see this “bad credit” they will typically decline lending applications. We say typically because […]
You Can Get Bad Credit Mortgages
Bad credit mortgages are possible, but not from your bank. If you have some bad credit you may leave the bank disappointed that they cannot help, even when you have banked with them for many years. They don’t ask why … they just say “NO” your application is declined and your dream is over. Don’t […]
Direct to the Bank or go to a Mortgage adviser?
We hear this debated on social media all the time – people saying go directly to the bank for a home loan while others say you should use a mortgage adviser. To help answer this we decided to do a short article and to focus on just the one main reason why going directly to the […]
What Makes A Good Home Loan?
One of the key roles for a good mortgage adviser is to provide people on what makes a good home loan. There are other things that advisers do like arranging the home loan and getting competitive interest rates, but probably the most important role is to know what makes a good home loan for a […]
Low Deposit Options For Your First Home
What low deposit options are there? Most first home buyers do not have a 20% deposit and so ask if it’s worth making the effort to buy with a low deposit now or wait and save more. For first home buyers, the deposit is generally one of the biggest issues, and especially in the larger […]