Is it Risky to Get Your Mortgage Through a Small Lender?

Big Small3When searching for a mortgage, it’s important to look at all the home loans available to you. This can mean exploring second and third tier lenders so that you have a full scope of your options.

When looking at these smaller institutions the biggest concern seems to be related to their stability and how this might impact you, your house or your home loan. We explore these potential risks by taking a look at the history and impact of lender failures in Australia, along with the considerations of borrowing with a smaller lender.

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6 Questions to ask yourself when investing in property

investor Investing in property is something many people have on their to-do lists, but actually taking the leap can be difficult.

Before you jump in, there is research you should do and questions you should ask yourself. If you are yet to start investing (or even if you are buying your 10th property,) talking over the following questions with an experienced broker could help set you up for the future and avoid costly mistakes.

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YES! You Can Still Buy Your First Home With Little or No Deposit

Young-parents-to-be-holding-piggy-bank-holding-piggy-bank-upside-downWith the property prices where they are today, it could be a good time to buy your first home.  But getting onto the property ladder is still hard for first home buyers.

Many think that they need 20% of the purchase price as a deposit before they can get a loan and whilst this is true if you want to avoid paying mortgage insurance, there are still ways to buy your first home with little or no deposit.

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Are you using the ATO as a Bank?

ATOThe ATO will disclose to credit reporting bureaus the tax debt information of businesses who have not effectively engaged with the ATO to manage these debts and initially only apply to businesses with Australian Business Numbers and tax debt of more than $10,000 that is at least 90 days overdue.

From 1 July 2017, the ATO will be allowed to disclose tax debt information of any business that hasn’t effectively engaged with them to manage those debts to credit reporting bureaus.

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Interest-only home loan customers paying higher interest rates

IO_VS_PI_.jpgCustomers with interest-only loans are likely to be charged an even higher premium by banks compared with those who are also paying back principal.

Interest-only loans are the prime targets of a crackdown by regulators intent on cooling the mortgage market.

In March the Australian Prudential Regulation Authority - APRA - ordered banks to lower the proportion of new interest-only lending to 30 per cent; and since then banks have invreased the cost of interest-only loans by up to 0.56%.

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Mortgage Broker Gold Coast, Mortgage Brokers Gold Coast, House Deposit Percentage, How Much Deposit do I Need to Buy a House
Mortgage Broker Gold Coast, Mortgage Brokers Gold Coast, House Deposit Percentage, How Much Deposit do I Need to Buy a House
Mortgage Broker Gold Coast, Mortgage Brokers Gold Coast, House Deposit Percentage, How Much Deposit do I Need to Buy a House
Mortgage Broker Gold Coast, Mortgage Brokers Gold Coast, House Deposit Percentage, How Much Deposit do I Need to Buy a House
Mortgage Broker Gold Coast, Mortgage Brokers Gold Coast, House Deposit Percentage, How Much Deposit do I Need to Buy a House
Mortgage Broker Gold Coast, Mortgage Brokers Gold Coast, House Deposit Percentage, How Much Deposit do I Need to Buy a House
Mortgage Broker Gold Coast, Mortgage Brokers Gold Coast, House Deposit Percentage, How Much Deposit do I Need to Buy a House
Mortgage Broker Gold Coast, Mortgage Brokers Gold Coast, House Deposit Percentage, How Much Deposit do I Need to Buy a House
Mortgage Broker Gold Coast, Mortgage Brokers Gold Coast, House Deposit Percentage, How Much Deposit do I Need to Buy a House
Mortgage Broker Gold Coast, Mortgage Brokers Gold Coast, House Deposit Percentage, How Much Deposit do I Need to Buy a House
Mortgage Broker Gold Coast, Mortgage Brokers Gold Coast, House Deposit Percentage, How Much Deposit do I Need to Buy a House
Mortgage Broker Gold Coast, Mortgage Brokers Gold Coast, House Deposit Percentage, How Much Deposit do I Need to Buy a House
Mortgage Broker Gold Coast, Mortgage Brokers Gold Coast, House Deposit Percentage, How Much Deposit do I Need to Buy a House
Mortgage Broker Gold Coast, Mortgage Brokers Gold Coast, House Deposit Percentage, How Much Deposit do I Need to Buy a House
Mortgage Broker Gold Coast, Mortgage Brokers Gold Coast, House Deposit Percentage, How Much Deposit do I Need to Buy a House
Mortgage Broker Gold Coast, Mortgage Brokers Gold Coast, House Deposit Percentage, How Much Deposit do I Need to Buy a House
Mortgage Broker Gold Coast, Mortgage Brokers Gold Coast, House Deposit Percentage, How Much Deposit do I Need to Buy a House
Mortgage Broker Gold Coast, Mortgage Brokers Gold Coast, House Deposit Percentage, How Much Deposit do I Need to Buy a House
Mortgage Broker Gold Coast, Mortgage Brokers Gold Coast, House Deposit Percentage, How Much Deposit do I Need to Buy a House
Mortgage Broker Gold Coast, Mortgage Brokers Gold Coast, House Deposit Percentage, How Much Deposit do I Need to Buy a House
Mortgage Broker Gold Coast, Mortgage Brokers Gold Coast, House Deposit Percentage, How Much Deposit do I Need to Buy a House
Mortgage Broker Gold Coast, Mortgage Brokers Gold Coast, House Deposit Percentage, How Much Deposit do I Need to Buy a House
Mortgage Broker Gold Coast, Mortgage Brokers Gold Coast, House Deposit Percentage, How Much Deposit do I Need to Buy a House
Mortgage Broker Gold Coast, Mortgage Brokers Gold Coast, House Deposit Percentage, How Much Deposit do I Need to Buy a House
Mortgage Broker Gold Coast, Mortgage Brokers Gold Coast, House Deposit Percentage, How Much Deposit do I Need to Buy a House
Mortgage Broker Gold Coast, Mortgage Brokers Gold Coast, House Deposit Percentage, How Much Deposit do I Need to Buy a House
Mortgage Broker Gold Coast, Mortgage Brokers Gold Coast, House Deposit Percentage, How Much Deposit do I Need to Buy a House

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