Australian Home Loans

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Debt Consolidation Information

2005-09-01T19:43:00.000-07:00

Debt consolidation information

Debt Consolidation can lower monthly loan repayments for borrowers with multiple loans.

A typical borrower in Australia is often needing to consolidate their mortgage, credit card debt, store cards, personal loan and and car finance into one loan. Consumers looking to consolidate debt comprise 11% of all finance applications in Australia.

If you have equity in your own property to borrow against it may be possible to use debt consolidation to reduce your collective payments by as much as 50%.

The key is to have sufficient equity in your home to cover the additional borrowings. It is this equity that provides your lender with security over the extra loans being folded into your mortgage.

For people lacking in financial discipline, debt consolidation is only part of the solution to their problems. The root cause of the initial problem also needs to be addressed (see below) or debt can still spiral out of control.

Spending less than you earn and only buying assets that increase in value, rather than liabilities that decrease in value, is the only true way to financial independence and wealth creation.

Home loan calculator Australia information

2005-06-07T05:05:00.000-07:00

Home loan calculator Australia

There are 2 types of home loan calculator program available depending on what you are trying to achieve.
1. The typical home loan calculator that you find on all banking websites for calculating loan repayment amounts and terms
2. A more specialised calculator that reviews financial records to locate errors and obtain refunds for borrowers
Taking a little bit of time to learn about and use these different calculators can save you thousands of dollars in future expenses or even gain you a refund from your lender (if you are an existing borrower). See below for more detailed information.

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Australian Home Loan Information

2005-05-31T04:47:00.000-07:00

Variable Rate Loans

Standard Variable rate loans and Basic Variable loans are the commonest type of home loan in Australia. Very popular over many years as the standard home loan, they are currently just above 20 year lows in terms of finance rates. Still a very good option for most home buyers. The Basic "no frills" loan is usually the cheapest type of loan on the market but lacks flexibility. Rates for both types are usually very competitive among lenders. Construction loans and renovation loans are examples of other types of variable loans.

Fixed Interest Rate Loans

Fixed interest rate loans are often used by investors to ensure costs do not exceed income on their investment properties. These days they are also used by ordinary house buyers who want to take a conservative approach in case of increased rates. The rate is higher than on a variable rate loan.

Split Loans

Split loans are a combination of variable and fixed rate loans. They are a compromise designed to minimize the impact of fluctuating lending rates. Good insurance in uncertain times with an each way bet.

Home Equity Loans

Home Equity loans allow you to borrow against the equity in your existing home. Funds are commonly used to improve an existing property by additions, alterations or renovations or as a deposit on an investment property. When funds are used in this way they can increase the value of your home or property portfolio, adding more equity. Used for vehicles, boats or holidays borrowed money can be a liability. Typically this is a variable rate loan.

Debt Consolidation Loans

Debt Consolidation loans are used to amalgamate various loans into a single loan resulting in only a single loan payment per month. Usually debts with higher credit charges are rolled into an expanded home loan, extending the term but reducing monthly payments. Consolidation loans need to be used correctly to achieve long term gains.

HOME LOAN CLUB for Free Loan Quotes

Ask the Home Loan Club for a free, no obligation quote on a Home Loan, Refinancing, Debt Consolidation, Line of Credit etc. You can apply online!

The Home loan Club is a unique organization that acts as a middleman with access to multiple brokers, maximizing the number and type of loans to select from. They have an intimate understanding of how the loan process works and the criteria used by the different lending institutions. This makes for a much smoother and faster loan application process, while guaranteeing you a better deal.

For your security, the Home Loan Club only use mortgage brokers who are members of the Mortgage Industry Association of Australia (MIAA).

Mortgage Calculator Australia Information

2005-04-26T04:22:00.000-07:00

Mortgage Calculator - PC based software

The banks do not want you to use this software because of the refunds they have had to make to users. If you have an existing mortgage then it will pay you to buy this particular mortgage calculator instead of using the free bank calculators. Not only can you do 'what if' scenario's but you can check whether the bank has been ripping you off with your existing mortgage and get a refund.

Visit the super Mortgage Calculator web-site and read the amazing stories of ordinary Australians who discovered they were being ripped off by their bank and how they obtained refunds in the thousands of dollars.

This is our preferred home loan simulator, but it is much more!

home loan australia | home loan australia information

2005-04-15T07:32:00.000-07:00

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home loan australia information and additional resources. See also the Home Loan Club on our web-site for assistance with obtaining a home loan especially if you have been knocked back by a bank or have special requirements.

As with all financial services and major purchases, you should obtain quotes from 3 different sources before committing yourself. In this way you can feel confident you have obtained the best possible deal.

Be sure to ask the mortgage broker why they are recommending a particular loan and get them to explain how they arrived at the decision. Some lenders pay higher commissions to the broker than others and an unscrupulous mortgage broker may try and steer you to the loan with the highest commission."

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2005-04-10T23:24:00.000-07:00

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Australian Debt consolidation information

2005-04-08T04:48:00.000-07:00

Debt consolidation in Australia

Debt consolidation information and additional resources. See also the Home Loan Club below for further assistance and a quote on consolidating your debt.

By consolidating high interest rate debts such as credit cards, store cards, car loans etc into a lower interest loan it is possible to restructure your debt so that repayments are more affordable. Usually this is accomplished by folding the debts into a home loan (providing you have enough equity) but sometimes a personal loan is used.

Be sure to try the Debt Consolidation Calculator and Accelerated Debt Payoff Calculator to explore your options.

Click here to use the calculators

Home Loan Calculator Australia

2005-04-05T05:12:00.000-07:00

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home loan calculator australia information and additional resources. See also the Home Loan Club below for free loan quotes once you have worked out what you require.

Click here for an excellent home loan calculator web-site with calculators for Australia, including variable, fixed, debt consolidation, refinancing etc. These calculators make it easy to do loan comparisons and also to print out results.

Mortgage Calculator - PC based software
The banks do not want you to use this software because of the refunds they have had to make to users. If you have an existing mortgage then it will pay you to buy this particular mortgage calculator instead of using the free bank calculators. Not only can you do "what if" scenario's but you can check whether the bank has been ripping you off with your existing mortgage and get a refund.

Home loan calculator Australia information

Mortgage Broker | Australia

2005-04-05T05:09:00.000-07:00

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Mortgage Broker
Mortgage broker information and additional resources. See also the Home Loan Club below for assistance with obtaining a loan whether you are a new buyer, existing home-owner or property investor.

The key to obtaining the right housing finance is to find a good mortgage broker who will properly assess your personal situation and then recommend a mortgage product from one or more lenders to suit your circumstances.

Unlike banks who only promote their own products, a mortgage broker has access to financial products from dozens of different lenders meaning that the chances of finding the ideal loan for your personal situation are very high.

Mortgage Finance Australia

2005-03-23T04:57:00.000-08:00

Mortgage finance in Australia information and additional resources.

See also the Mortgage Brokers below for assistance with obtaining a mortgage whether you are a new buyer, existing home-owner or property investor.

The key to obtaining the right housing finance is to find a good mortgage broker who will properly assess your personal situation and then recommend a mortgage product from one or more lenders to suit your circumstances.

Unlike banks who only promote their own products, a mortgage broker has access to financial products from dozens of different lenders meaning that the chances of finding the ideal loan for your personal situation are very high.

Continued here...: "

Mortgage Broker Australia

2005-03-22T05:05:00.000-08:00

Home Loan Club

Ask the Home Loan Club for a free, no obligation quote on any type of Home Loan, Refinancing, Debt Consolidation, Line of Credit etc. You can apply online whether you are in Sydney, Melbourne, Brisbane, Perth or Adelaide, or any State in Australia.

The Home loan Club is a unique organization that acts as a middleman with access to multiple brokers, maximizing the number and type of loans to select from. They have an intimate understanding of how the loan process works and the criteria used by the different lending institutions. This makes for a much smoother and faster loan application process, while guaranteeing you a better deal.

For your security, the Home Loan Club will only use mortgage brokers who are members of the Mortgage Industry Association of Australia (MIAA) when you fill out the Enquiry Form

Click here for more info...

Debt Consolidation Calculators

2005-03-22T04:59:00.000-08:00

debt consolidation | debt consolidation information:

"By consolidating high interest rate debts such as credit cards, store cards, car loans etc into a lower interest loan it is possible to restructure your debt so that repayments are more affordable. Usually this is accomplished by folding the debts into a home loan (providing you have enough equity) but sometimes a personal loan is used.

Be sure to try the Debt Consolidation Calculator and Accelerated Debt Payoff Calculator to explore your options. "

Mortgage Finance Australia

2005-03-20T05:58:00.000-08:00

Mortgage finance Australia information and additional resources.

See the Home Loan Club below for assistance with obtaining a mortgage whether you are a new buyer, existing home-owner or property investor.

The key to obtaining the right housing finance is to find a good mortgage broker who will properly assess your personal situation and then recommend a mortgage product from one or more lenders to suit your circumstances.

Unlike banks who only promote their own products, a mortgage broker has access to financial products from dozens of different lenders meaning that the chances of finding the ideal loan for your personal situation are very high.

Continued here...

Australian Home Loan Articles

2005-03-14T19:32:00.000-08:00

Loan/Mortgage/Finance Articles

Debt Consolidation Australia
An overview of Australian debt consolidation

Interest Only Loan Australia
The benefits of Interest only loans

Low Doc Loans in Australia
An introduction to low documentation loans

Credit Card Debt Consolidation
4 Methods to reduce repayments by consolidating credit card debts

The Pros and Cons of Refinancing
To refinance or not to refinance

No Deposit Home Loans - Sound Finance or a Shortcut to Foreclosure?
Pros and Cons of no no-deposit loans

Australian Mortgage Choices
The major types of Residential Mortgage

Getting on Top of Your Mortgage
Mortgage Reduction Strategies

Choosing a Mortgage Broker
Guidelines for choosing a Mortgage Broker

Mortgage Application Tips
Preparing to Apply for a Mortgage

Mortgage Refinancing - A Fresh Start
Discussion on the benefits of Mortgage Refinancing

Debt Consolidation Quote
Obtaining a Debt Consolidation Quote Online

Is Refinancing necessary?
Why Refinancing your existing loan is not always the best option

Choosing a Home Loan
How to Choose a Home Loan to suit your circumstances

5 Steps to Getting out of Debt
Pay Off Debt Now: 5 Steps To Getting Your Finances in Order

Fixed or Variable Rate Loan?
Factors to Consider in Choosing a Fixed or Variable Rate Loan

Tips for Paying Off Your Loan Faster
Tips you can use to help you accelerate repayment of your home loan

Reasons for Refinancing
Mortgage Refinancing - 5 Reasons why it is so popular in Australia

Mortgage Terminology
Definitions of Common Mortgage Terms used in Australian Home Loan Contracts

Mortgage Insurance Australia
Information on Mortgage Insurance for Australian Borrowers

Loan to Valuation Ratio
The importance of understanding the Loan to Valuation Ratio (LVR) before taking out a Home Loan

Fixed and Variable - The Split Rate Loan
Factors to Consider in Choosing a Split Loan (Combination of Fixed and Variable Loans)

Fixed Rate Loan
Consider a Fixed Rate Loan now before you are under financial stress and it is too late

Do you need to Change your Loan?
Tips on changing your home loan when interest rates are rising

Fixed Rate Loans - Pros and Cons
Information on the pros and cons of Fixed Rate Home Loans in Australia

Click here to access the articles...

Home loan calculator Australia information

2005-03-14T07:06:00.000-08:00

Mortgage Calculator - PC based software

The banks do not want you to use this software because of the refunds they have had to make to users. If you have an existing mortgage then it will pay you to buy this particular mortgage calculator instead of using the free bank calculators. Not only can you do "what if" scenario's but you can check whether the bank has been ripping you off with your existing mortgage and get a refund.

We also show you where you can find free loan calculators for Australian loans.

Click here for more loan calculator info...

Refinance home loan Australia

2005-03-07T08:01:00.000-08:00

Refinance home loan Australia

Refinance home loan Australia information and additional resources. See also the Home Loan Club below for further assistance.

We also recommend you try the Refinancing Calculator

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Debt consolidation information Australia

2005-03-07T07:57:00.000-08:00

Debt Consolidation

Debt consolidation information and additional resources. See also the Home Loan Club below for further assistance.
Be sure to try the Debt Consolidation Calculator and Accelerated Debt Payoff Calculator.

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home loan calculator australia

2005-03-07T07:52:00.000-08:00

Home loan calculator Australia

Home loan calculator australia information and additional resources. See also the Home Loan Club below for free loan quotes.

Click here for an excellent home loan calculator web-site with calculators for Australia, including variable, fixed, debt consolidation, refinancing etc. They make it easy to do loan comparisons and also to print out results.

Click on the bank names below to go directly to the loan calculator webpages of the 4 major Australian banks

National Australia Bank
ANZ Bank
Westpac Bank
Commonwealth Bank

Click here for live links...

Australian Home Loans - Loan Enquiry Form

2005-02-25T07:07:00.000-08:00

Fast No Obligation Loan Enquiry Form

Step 1: Please fill in the no obligation enquiry form.
Step 2: It is in your best interest to provide accurately completed information. This enquiry will assist the Home Loan Club with Club Financial Services to tailor a package to your needs.
Step 3: A consultant will contact you within 24 hours to discuss the best home loan options and help you process your loan application.
Your personal advisor will work with you over the telephone and or internet - Please enjoy the 24/7 convenience, cost savings and speed of business online.

Click here to access the Home Loan Enquiry Form: "

Home Loan Calculator Australia Information

2005-02-22T01:27:00.000-08:00

Mortgage Calculator - PC based software

This is our preferred home loan calculator/simulator, but it is much more!

The banks do not want you to use this software because of the refunds they have had to make to users. If you have an existing mortgage then it will pay you to buy this particular mortgage calculator instead of using the free bank calculators. Not only can you do 'what if' scenario's but you can check whether the bank has been ripping you off with your existing mortgage and get a refund.

Get more information on the Calculator here... There are also links to the loan calculator webpages of the 4 major australian banks.

Australian Home Loans

2005-02-14T02:59:00.000-08:00

Professionals who are involved in any way in buying and selling real estate are doing so to earn an income. However in some cases they are more interested in looking after their own interests, rather than their customers.

This page mainly highlights the problems involved in the financial industry, but there are many professionals who maintain high standards and strong ethics. Our target is poor practices, and those who give the industry a bad name in Australia.

1. Mortgage Brokers
Problem: Some lenders pay higher commissions than others to mortgage brokers. There is a temptation to recommend the loan that earns the broker the highest commission.

Solution: Get quotes from 3 brokers and ask why they selected the loan and what benefits it offers you. Alternatively locate a mortgage broker business that pays its brokers a flat fee or standard commission rate regardless of lender.
2. Banks
Problem: Banks generally only recommend their own products and they have a limited range to select from.

Solution: Get a quote from the bank then 2 more quotes from brokers and compare them all to find the best loan. Be sure to compare apples with apples.
3. Real Estate Agents
Problem: Agent promises the earth but delivers considerably less.

Solution: Consider selling your house yourself. There is low cost help available if you need assistance.

Problem: Agent wants to sell by auction.

Solution: Auctions may be OK in a rising market where the market price is uncertain. However this method can also be the "lazy agents" way of ensuring a quick commission. You call the shots, set a realistic reserve, and don't be talked out of it.

Myth: The Real Estate Institute of Australia (REIA) and its State branches will safeguard the interests of Vendors in Real Estate transactions.

Truth: The REIA exists to look after the interests of its members, not vendors. I found this out the hard way when I wrote to the REIA complaining about an Agent, and never received an acknowledgement or reply.

Australian Home Loan Information

2005-02-03T02:13:00.000-08:00

AUSTRALIAN HOME LOAN INFORMATION

Problem: Some lenders pay higher commissions than others to mortgage brokers. There is a temptation to recommend the loan that earns the broker the highest commission.

Solution: Get quotes from 3 brokers and ask why they selected the loan and what benefits it offers you. Alternatively locate a mortgage broker business that pays its brokers a flat fee or standard commission rate regardless of lender. "

Home loan calculator Australia information

2005-01-24T17:45:00.000-08:00

home loan calculator information

Which Calculator should I use?

All of the major banks and building societies usually have a loan calculator somewhere on their web-site. Most of the calculators are very similar in function. It is not necessary in most cases to restrict yourself to using the calculator from the lending institution where you are considering applying for a loan.

My favourite set of calculators are the ones provided by the ANZ Bank (see link above)."

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2005-01-20T22:00:00.000-08:00

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MELBOURNE MORTGAGE BROKERS

2005-01-17T19:35:00.000-08:00

Find a Mortgage Broker in Melbourne

Mortgage Brokers in Melbourne

Mortgage Brokers generally specialise in finance for the various types of home loans but some can arrange personal loans too.

According to the Australian Bureau of Statistics, Victorian home-buyers are almost $20,000 further into debt than a year ago. The average new home loan in Victoria grew from $185,000 to $203,400 in the 12 months to August 2004, before dropping back to $201,600 in September. In October the average loan was $202,500 increasing in November to $203,400.

Home Loan Club - for Melbourne Mortgages
The Home Loan Club (HLC) is an emerging online exchange that connects interested consumers to various Lenders and financial services companies in its network. Currently, there are over 80 participants in their continually expanding national network. The Home Loan Club was developed to empower consumers with a choice in evaluating the right financial program for their needs. The HLC system takes the stress out of finding the right financial service institution.

The advantage for borrowers is that loan applications submitted through the Club can be submitted to more than one mortgage broker in order to access the largest possible range of lenders and loans. This is a unique service that benefits the borrower, especially those who may have been rejected by other lenders.

Most of the mortgage application process takes place on the Internet and over the phone. There is no cost to the borrower and most areas of Victoria are serviced including Melbourne.

More information on finding a Mortgage Broker in Melbourne

Mortgage Broker Australia

2005-01-17T19:27:00.000-08:00

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Finding a Mortgage Broker in Australian capital cities

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Visit our web-page for recommended brokers

Home loan calculator Australia

2005-01-16T17:15:00.000-08:00

Home loan calculator Australia information

Which Home Loan Calculator should I use?

All of the major banks and building societies usually have a loan calculator somewhere on their web-site. Most of the calculators are very similar in function. It is not necessary in most cases to restrict yourself to using the calculator from the lending institution where you are considering applying for a loan.

Each Bank has a slightly different group of calculators, so visit each one to see what they have on offer. My favourite set of calculators are the ones provided by the ANZ Bank (see link above).

Australian Home Loan Information

2005-01-13T16:35:00.000-08:00

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Mortgage Finance Australia

2005-01-12T17:54:00.000-08:00

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Refinance a home loan in Australia

2005-01-11T04:55:00.000-08:00

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Debt Consolidation Loan Australia

2005-01-08T07:59:00.000-08:00

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Home Loan calculator Australia

2004-12-29T07:17:00.000-08:00

h
Home loan calculator Australia: "Which Calculator should I use?
All of the major banks and building societies usually have a loan calculator somewhere on their web-site. Most of the calculators are very similar in function. It is not necessary in most cases to restrict yourself to using the calculator from the lending institution where you are considering applying for a loan.

My favourite set of calculators are the ones provided by the ANZ Bank"

AUSTRALIAN HOME LOAN

2004-12-27T03:59:00.000-08:00

Australian Home Loan Information:

"Mortgage Brokers
Problem: Some lenders pay higher commissions than others to mortgage brokers. There is a temptation to recommend the loan that earns the broker the highest commission.

Solution: Get quotes from 3 brokers and ask why they selected the loan and what benefits it offers you. Alternatively locate a mortgage broker business that pays its brokers a flat fee or standard commission rate regardless of lender."

Home Loan Enquiry

2004-12-23T21:37:00.000-08:00

Home Loan Enquiry Form:

"Fast No Obligation Loan Enquiry Form

Step 1: Click on the link above and fill in the no obligation enquiry form.
Step 2: It is in your best interest to provide accurately completed information. This enquiry will assist the Home Loan Club with Club Financial Services to tailor a package to your needs. For additional detailed information to help you complete the form please click here.
Step 3: A consultant will contact you within 24 hours to discuss the best home loan options and help you process your loan application.
If you do not hear from us in that time please email support@home-loan-club.com.au
Your personal advisor will work with you over the telephone and or internet - Please enjoy the 24/7 convenience, cost savings and speed of business online.

Your enquiry is FREE with no obligation and confidential. "

AUSTRALIAN HOME LOAN

2004-12-15T17:50:00.000-08:00

AUSTRALIAN HOME LOAN:

"Australian Banks

Problem: Banks generally only recommend their own products and they have a limited range to select from.

Solution: Get a quote from the bank then 2 more quotes from brokers and compare them all to find the best loan. Be sure to compare apples with apples. "

Debt consolidation loans in Australia

2004-12-09T18:30:00.000-08:00

"The Home Loan Club provide Debt Consolidation Loans through Mortgage Brokers in all Australian capital cities. Apply online now for a free quote.

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Australian Debt Consolidation Information

2004-12-09T18:26:00.000-08:00

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Australian Mortgage Brokers

2004-12-09T18:23:00.000-08:00

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About Renovation Loans

2004-12-06T03:26:00.000-08:00

RENOVATION LOAN: "Most renovations are of a non-structural nature and may or may not require council approval depending on the scale and nature of the work, and council by-laws. As a rule, structural changes always require engineering design and council approval.

Renovation loans are commonly used to repair or upgrade the family home or investment property in order to increase lifestyle and/or add value.

If you have have an existing loan with a redraw facility and have paid it down, you may find it cheaper to redraw rather than take out a new loan."

Renovation Loan Information

2004-12-06T03:25:00.000-08:00

RENOVATION LOAN: "A Renovation Loan enables homeowners to stay in their own home and enjoy an improved lifestyle. It is usually cheaper to renovate than to buy a another home of the required standard and lose money through selling and moving, due to the fact that house prices have doubled in Australia over the last 3 years.

Some lenders will secure the loan against a current valuation of your home while others will accept a valuation based on the value after renovations.

Financing the renovation by redrawing on your existing loan is usually the cheapest option. If you have to increase your existing loan then there is likely to be a new credit assessment and valuation required, which means additional costs. "

What is a Renovation Loan?

2004-12-06T03:23:00.000-08:00

RENOVATION LOAN: "A Renovation Loan is typically made to fund internal improvements to an existing home. Due to the high costs of purchasing a new home in Australia at present, many existing homeowners are choosing to renovate instead."

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2004-12-05T06:35:00.000-08:00

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Home Equity Loan Australia Information

2004-12-05T06:34:00.000-08:00

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Morgage Australia Information

2004-12-05T06:26:00.000-08:00

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2004-11-29T19:40:00.000-08:00

home loan calculator australia | home loan calculator australia information: "Click on the bank names below to go directly to the loan calculator webpages of the 4 major australian banks

National Australia Bank
ANZ Bank
Westpac Bank
Commonwealth Bank"

home loan australia | home loan australia information

2004-11-29T19:39:00.000-08:00

home loan australia | home loan australia information: "home loan in australia
home loan sydney
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home loan adelaide
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mortgage broker | mortgage broker information

2004-11-29T19:37:00.000-08:00

mortgage broker | mortgage broker information: "home loan broker australia
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debt consolidation | debt consolidation information

2004-11-29T19:07:00.000-08:00

debt consolidation | debt consolidation information: "Home Loan Club

Ask the Home Loan Club for a free, no obligation quote on a Home Loan, Refinancing, Debt Consolidation, Line of Credit etc. You can apply online! "

AUSTRALIAN HOME LOAN

2004-11-29T19:06:00.000-08:00

AUSTRALIAN HOME LOAN: "Debt-Consolidation
Home Loan
Mortgage Lenders
Refinance Loan
Finance Brokers
Mortgage Finance
Equity Loans
Mortgage Broker
Loan Calculator
Morgage Loans
Home Loans
Loan Enquiry Form"

Why use a Mortgage Broker?

2004-11-29T03:34:00.000-08:00

The main reason Mortgage Brokers have become so popular in Australia over the last 15 years is because they simplify the task of finding the best loan. Often they have a computer program that can search through hundreds of competing loan products from dozens of lenders in just a few seconds. This saves borrowers a significant amount of time and effort.

Also, Mortgage Brokers have an intimate understanding of how the loan process works and the criteria used by the different lending institutions. This makes for a much smoother and faster loan application process, while guaranteeing the borrower a better deal.

http://www.loanadvice.com.au