Mortgage Experts Blog

Best Home Loan Discounts

Marty McDonald - Wednesday, August 03, 2011

At present there are incredible never been seen before home loans discounts on offer from a wide range of lenders. Competition between lenders is really heating up. Here’s what home loan discounts and rates we can source for you at present (most of these offers are not published by the lenders). Read more >

Savings and Loans - how it can affect your home loan chances

Marty McDonald - Friday, July 08, 2011

Another factor that lenders look at when considering you for a loan is your net asset position i.e. the difference between your assets, savings and loans. Read more >

Exit fees are officially banned

Marty McDonald - Friday, June 24, 2011

The proposed legislation to ban home loan exit fees was officially passed by the senate yesterday (23/06/2011). There were 35 senators for and 35 against the ban, with the deciding vote going to Senator Fielding who voted in favour of the ban.  It will now become law from the 1st of July 2011.  Read more >

Home Loan Fees

Marty McDonald - Monday, June 20, 2011

What are the most common home loan fees and how much are they? While every lender is slightly different and has different names for their fees I have summarised the most common home loan fees payable by borrowers below.  Read more >

No savings home loans

Marty McDonald - Friday, June 03, 2011

When buying a property most lenders require that you have "genuine" savings of at least 5% of property's value. There are however alternatives to the 5% genuine savings rule which I will outline below. There are no deposit options as well as no genuine savings options. Read more >

Minimum deposit for a home loan

Marty McDonald - Tuesday, May 24, 2011

What is the minimum deposit required for a home loan? This depends on a number of factors such as whether you are eligible for stamp duty concessions and the first home owner grant (FHOG).. Read more >

Mortgage Experts your local North Shore mortgage broker now in Willoughby

Marty McDonald - Monday, May 16, 2011

Mortgage Experts haved moved to Willoughby! We are so confident that we can assist local  borrowers get a better deal on their home or investment loans that we will happily pay you $100 if we can't. Call 1300 711 054 to book a no obligation appointment with our principal broker Marty McDonald before the end of 2011 to be eligible for this offer. If you are not completely satisfied with our service we will also pay you an additional $100. Some conditions apply...  Read more >

85 percent loans with no lenders mortgage insurance (LMI)

Marty McDonald - Friday, May 13, 2011

I have had a lot of enquiry about this lately so I thought I would write about who’s offering this, what the benefits and pitfalls are and what the general lending guidelines are. Read more >

To cross collateralise or not?

Marty McDonald - Wednesday, April 13, 2011

Last week I posted about how to gain access to your properties equity to assist with investing. That lead to the topic discussed here of how best to structure your loans when accessing equity. Read more >

Using Equity - To Purchase An Investment Property

Marty McDonald - Wednesday, April 06, 2011

While using equity to buy an investment property is a simple idea for many seasoned investors it is a question I have been asked a lot over the years by many first time potential investors. So I will discuss why investors use equity and how unlocking equity can be done in two ways, by cross collateralisation or by the stand alone security method.

 Read more >

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