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201) Don't deal with just any mortgage broker - deal with a mortgage broker who is a member of the Mortgage Finance Association of Australia (MFAA)
Author:
EPicturePerfect
Category:
Finance
I am an Australian citizen based in the UK and have been looking to purchase a property in Australia in anticipation of my returning home over the next few years. I had initially thought I would apply to my own bank but after speaking with an expatriate friend who recommended I seek the services of a mortgage broker, I did exactly that.
I asked my buddy what one should look out for when retaining the services of a mortgage broker? His advice was to deal with a mortgage broker who is a member...
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202) In Australia, what does a mortgage broker offer you?
Author:
EPicturePerfect
Category:
Finance
While the banks have been trying hard to undermine the role of a mortgage broker in the new home loan application process, there is no doubt that borrowers who utilise the services of a mortgage broker are much better informed and invariably obtain a home loan that is better suited to their needs.
If a home loan borrower approaches their own bank for a home loan one would hope that the bank will offer them the best deal they have available for that customer. A mortgage broker can offer exac...
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203) Do not underestimate the value of a mortgage broker in Australia
Author:
EPicturePerfect
Category:
Finance
Many banks have recently taken advantage of the global credit crunch to reduce the commissions paid to a mortgage broker within a bank's mortgage broker distribution network. Over the past 15 or so years, the majority if not all of the banks have relied on mortgage brokers to generate a significant portion of their new business. Why did the banks cultivate this distribution channel so fervently? The banks paid commission to a mortgage broker only once a home loan had settled. This was seen to b...
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204) Options Offered by Banking in Jersey
Author:
Isla Campbell
Category:
Finance
Why is banking in Jersey different to anywhere else? Are there obvious benefits or drawbacks to placing your pounds in the largest of the British Channel Islands and if you do want to invest here, how do you go about it? These are just a few of the many questions you may have when considering where is the best place to secure your funds but fear not as help is at hand and more information on the subject will equip you with the knowledge you require to make an informed decision about your...
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205) Setting Budgets To Help Purchase A Pool
Author:
Mint
Category:
Finance
Somehow your children have finally convinced you to purchase a swimming pool for your house, they are ecstatic and can't wait for it to be finished, but all you can think about is how costly this project may end up being. The most important part of this process is allotting yourself a specific amount that you are willing to spend on the pool. The easiest way to do this is by setting up budgets for every aspect of the project. This includes the size, area, and type of pool that you want to purch...
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206) Do Budgets Affect Your Travels? Visit Massachusetts On Your Next Vacation
Author:
Mint
Category:
Finance
Massachusetts is one of the most interesting states to visit in the United States, with great area attractions like Cape Cod, Boston, and historical Plymouth Plantation there are endless possibilities of things to do. The only problem theses days are the threat of traveling burning a hole in your pocket. Many people are beginning to create budgets for their family vacations in order to keep their spending in order as a result of this, if you are planning on traveling to Massachusetts here are s...
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207) What you didn't know about owning a credit card
Author:
Paul McIndoe
Category:
Finance
If you were to ask yourself how many credit cards you have in your purse or wallet, the chances are it's more than one. As a nation, there is a staggering 67 million credit cards owned by consumers; on average that's 2.4 cards each.
Credit cards have in fact been around for more than 40 years, but it was only in the 1990s that the market became much more competitive. Although, in recent times a colossal amount of different cards have become available; at times the choice can som...
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208) Insurance and Foreign Currency: Your Vacation Essentials
Author:
Adam Singleton
Category:
Finance
It is a time of year that everyone looks forward to, which is heading off on holidays; whether it's a welcome chance to relax, to explore somewhere new or to return to a favourite destination. There's more choice about where to go than ever and since the arrival of the internet - and particularly broadband - it's much easier to find and book the holiday you really want. But before you head for the airport, it is important that you make sure you get a good deal on essentials, such as travel...
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209) Budgeting Your Money In The Kitchen
Author:
Mint
Category:
Finance
Budgeting money is the phase today, the more we can save, the more we can spend on other things right? One of the biggest places where we can save money is in the kitchen. Between the wasted water from the sink to the one time use of paper towels there are tons of ways where you can save money. Besides, many of the things that we can do to reduce the amount of money spent in the kitchen can also help cut down on the carbon footprint your home produces.
Millions of paper towels are thrown awa...
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210) Budgets during Economic Crisis
Author:
Mint
Category:
Finance
During this time of economic crisis budgets have become an essential part of almost every Americans life. With so many huge financial companies such as A.I.G and Frannie and Freddie Mac having trouble, it may seem like there is no end in sight. At a time like this, budgets for every aspect of your life may seem like a reasonable idea. Okay, that may seem like jumping to conclusions, but there are a few different aspects of your life where budgets can really help.
The first aspect of your lif...
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211) Budgeting Your Money in College
Author:
Mint
Category:
Finance
Budgeting money is one thing that all students deal with during their college years. Many college age students do not work during the school year and as a result they end up spending all of the money they have saved up working during the summer. Even with many stores that sell goods for very low prices such as Wal-Mart or Dollar General surrounding many campuses many students still have problems deciding what they should and shouldn't spend their money on. Many students have never lived on thei...
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212) Teens Guide to Opening Your First Current Account
Author:
Adam Singleton
Category:
Finance
Opening a current account is usually a straightforward process, but if you are considering opening one there are a few things that can make the application process run smoother.
First of all, consider what you really want to use the account for. It might simply be having a place for your money that you can access 24 hours a day, or you might want to be able to set up standing orders and direct debits so you don't have to worry about missing a bill payment such as your mobile pho...
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213) Planning a Vacation on a Budget
Author:
Mint
Category:
Finance
Using a budget can be very useful when trying to plan a family vacation. If you work hard enough you can save a ton of money booking on your trip, and you will feel much more relaxed during it because you won't be worrying about how expensive your trip is. The most important step when beginning to start to plan your Budget for your family vacation is to plan ahead. This is very important because the further out you book any flight, or e...
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214) Presents That Won't Hurt Your Budget
Author:
Mint
Category:
Finance
With the holidays approaching many people are overwhelmed with the amount of presents they are going to have to purchase for friends and family. During this trying economic time many people don't have a ton of money to purchase presents. Here are a few tips that can help any holiday shopper stay within their budget.
One of the most important things that holiday shoppers can do is to sit down and create a budget on how much money they are able and willing to spend on presents. Credit card bil...
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215) All You Would Ever Want To Know About Personal Budgets
Author:
Mint
Category:
Finance
You just graduated college, started a new career, got married, had a child, bought a house, bought a boat, whatever the case may be budgets are used at every stage of life. Budgets are used as a planning tool to set financial goals. Budgets are used to plan for the future to be allocating the proper resources today. Setting up a budget is very uneasy and uncomplicated, there are even online tools that will do it all for you. The harder part of the equation is determining what percentage of your...
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216) What is the basic home loan?
Author:
David Mayer
Category:
Finance
In a repayment mortgage, the interest rate may be fixed through some or all of the term of the loan, or it may be variable. A fixed rate is a double-edged sword. If it's high when you start, you are stuck unless you can refinance. If you borrow when the rate is low, you can smile when higher rates inflict pain on everyone else. Why might the initial rate be high? Some lenders add a risk premium because you have a poor credit score. They think you're more likely to default. Equally, the rate may...
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217) How do you release some of the capital tied up in your home?
Author:
David Mayer
Category:
Finance
Although there are problems in the real estate market right now with resale prices falling, let's focus on the general principles making the mortgage market work. The word you need is "equity". This is the difference between what you owe on the home loan or other debts secured on the property, and the resale price. At present, you're likely to have negative housing equity where you owe more than the property is worth. When the housing market recovers, the equity becomes positive and can be used...
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218) Home improvement loans give you two-way value
Author:
David Mayer
Category:
Finance
Let's say you've found the perfect location for your new home but there are no good properties on the market. All you can find are fixer-uppers - properties in a "distressed" condition - but, if you renovate, you will have a great place to live. More importantly, money well spent is stored in the higher resale price your home will command. Alternatively, your existing home may now feel cramped with a growing family, or just need improvement. Moving to another house is not going to be easy given...
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219) Is this the right time?
Author:
David Mayer
Category:
Finance
When the leading lights of Wall Street are suddenly dropping into bankruptcy or being sold off, you are right to ask the question, "Is this the right time to be looking to refinance or borrow some more money?" The answer is always to look at what is right for you. Ignore what seems to be happening to others and take the decisions that protect your interests.
Whilst the headlines now seem to be spelling out doom and gloom for the economy, the most powerful effect is at the top of the system....
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220) Refinancing your mortgage. Can you really save money?
Author:
David Mayer
Category:
Finance
The article considers when it makes economic sense to renegotiate your mortgage. When you add in all the costs and charges of refinancing, it often better to stay on the current terms.
Well, there you are with a loan secured on your home. Every month, you pay the instalment out of your income. What's the problem? Why should you want to refinance? For most, it could not be more simple. Because you want to pay a lower monthly instalment! When prices for all the basic necessities of life keep g...
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