Call: 1800 24 23 24 | Email us at enquiries@hlc.com.au
The negative news out of Europe & USA has weighed heavily on consumer and business confidence and encouraged creditors to tighten lending standards. BIS Shrapnel economic forecasters have predicted credit hunger to reawaken in 2012 particularly with investors after low…
Timeline to getting a home loan approval can vary. An example can be where valuations are required. Usually take 48 hours but can be delayed where the valuer has to gain access to the property e.g. there may be tenants…
Timeline to getting a home loan approval can vary. Requests for further information can arise where it becomes out of date as part of the process e.g. currency of pay slips, loan statements or bank accounts. Also where a search…
We strongly urge you to obtain a pre-approval before searching seriously for a property. This gives you greater certainty and obtaining the formal approval (which should be obtained before committing to the contract) will then take less time. These typically…
Timeline to getting a home loan approval can vary. An example can be where Lenders Mortgage Insurance (LMI) is required usually if the loan to valuation is above 80%. LMI’s have their own assessment criteria and sometimes additional questions arise…
When you arrive at your new home it can be hectic. Pack a kit for essentials like snacks, tea / coffee, sandwiches, toiletries, a change of clothes, kitchen essentials, soap and toilet paper. The home loan market is very competitive…
If you have time, plan to clean the new house, and complete any painting or repairs before moving in. The home loan market is very competitive at the moment with interest rates changing every week. If you would like a…
Pack the house room by room. Use a numbering system or colour code boxes and furniture room by room. It will be quicker and easier to unpack when removalists and friends are moving things around for you. The home loan…
Redirect your mail including your bank, schools, church, associations, clubs, your employer newspaper and magazines. The home loan market is very competitive at the moment with interest rates changing every week. If you would like a no obligation free home…
If you are transferring or cancelling services yourself like internet, phone, gas, water and electricity, plan at least a week in advance to have your address changed and services connected for the day you move in. The home loan market…
