How to get a home loan when you're a discharged bankrupt?

AAA Bankrupt   Bankruptcy can be life-changing, but it doesn’t mean you can never get a home loan.

Bankruptcy is not designed as a punishment. It is more like a financial “reset button.” It is there to help Australians who, through no fault of their own, find themselves in a position where they will never be able to repay their debts. 

This means that once your Bankruptcy has been discharged you can start building a brand new finanical life.. and leave the past behind

Here are some ways you can still buy a home despite being a discharged bankrupt...

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8 things to consider when choosing a Construction Loan

AAA - Constrution

If you want to update your existing property or you want a house customised to your needs and preferences, building a house instead of buying one can be a good choice.

If you’re looking to do this, then a construction loan is the finance tool you need.

 

What is a construction loan?

A construction loan is a type of loan that is used to pay for the cost of building a new house or a major renovation. It has a different payment scheme than a traditional home loan because it has progressive payments or draw-downs where the lender releases funds throughout the stages of construction.

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Buying your First Home - Where do you start?

We outline six steps worth taking in your home buying journey so you can purchase your first home with confidence.

AAA FHOB

For many people, buying their first home will be the biggest purchase they ever make. And not knowing just where to start can feel a bit overwhelming.

From scouring the internet to checking for cockroaches, here are a few steps to take before you get the keys in your hands so you can buy your first home with confidence.

 

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Borrowers & Brokers rocked by ‘messy’ mortgage market

AAA Not so sure  Tighter credit and changing lending policies are creating confusion and complexity in the third-party channel as brokers receive conflicting messages from bank BDMs and credit assessors on prime mortgage deals.

Fears are growing about a potential “credit crunch” that has largely been driven by the cross currents of regulatory measures, changing bank appetites and greater scrutiny of the mortgage industry from a series of inquiries, reports and most notably the Hayne royal commission.

These factors have had a significant impact on the credit policies of the major banks in particular. While APRA has removed its 10 per cent cap on investor lending, the big four are still very much under the watchful eye of the regulator and have shifted to far more conservative home lending strategies.

Award-winning Queensland-based broker Xavier Quenon told The Adviser that within the banks there is now “conflict” between BDMs, credit and sales.

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Go Mortgage wins at the 2018 Australian Broking Awards

ABA 2018 - Pic

The Australian Broking Awards are the benchmark for excellence in mortgage broking.

Since 2011, the awards have celebrated professionalism, best practice and innovation in mortgage broking, and are the most sought-after award for Australia’s brokers, brokerages, aggregators and mortgage industry leaders. 

Go Mortgage is excited to announce that we took home the title of ‘Regional Office of the Year’ at the 2018 Australian Broking Awards.

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Award Winning Mortgage Broker.

  • 2010
    Number
    1
    FAST Excellence Awards
  • 2014
    Finalist
    FAST Excellence Awards
  • 2015
    Number
    1
    FAST Excellence Awards
  • 2016
    Number
    1
    FAST Excellence Awards
  • 2014
    Finalist
    Australian Mortgage Awards
  • 2016
    Finalist
    Australian Mortgage Awards
  • 2011
    Finalist
    Australian Broker Awards
  • 2015
    Finalist
    Australian Broker Awards
  • 2010
    Top
    100
    MPA Top 100 Brokers
  • 2015
    Top
    100
    MPA Top 100 Brokers
  • 2016
    Top
    100
    MPA Top 100 Brokers
  • 2016
    Finalist
    Broker of the year
    Better Bussiness Awards
  • 2016
    Finalist
    Best Loan Administrator
    Better Bussiness Awards
  • 2017
    Finalist
    Loan Administrator of the Year
    Australian Broker Awards
  • 2017
    Finalist
    Regional Office of the Year
    Australian Broker Awards
  • 2017
    Finalist
    Customer Service of the Year
    Australian Broker Awards
  • 2018
    Finalist
    Customer Service of the Year
    Australian Broker Awards
  • 2018
    Finalist
    Regional Broker of the Year
    Australian Broker Awards
  • 2018
    Winner
    Regional Office of the Year
    Australian Broker Awards
  • 2017
    Finalist
    Best Independence Office
    Better Business Awards
  • 2017
    Finalist
    Best Customer Service
    Better Business Awards
  • 2018
    Finalist
    Best Branded Office
    Better Business Awards
  • 2018
    Finalist
    Best Customer Service
    Better Business Awards
  • 2018
    Finalist
    Best Loan Administrator
    Better Business Awards
  • 2018
    Finalist
    Best Residential Broker
    Better Business Awards
  • 2018
    Winner
    Best Regional Office
    Better Business Awards
  • 2018
    Finalist
    Best Regional Broker
    MFAA
  • 2018
    Finalist
    Customer Service of the Year
    MFAA
  • 2017
    Top
    100
    MPA Top 100 Brokers

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