Category: Uncategorised

We’re pleased to announce Johanna Brown as the ‘Fun Fund’ competition winner! Congratulations Johanna and enjoy your fun fund!

Amid all the noise of the interest rate increase by ANZ last week, we now have 2 rate cuts at the 3 year fixed level. A special from St George sees their 3 year rate back at 5.99% p.a. which can also help clients tight on finance borrow more because they will also use the…

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 building activity for some time. This under investment has created pent up investment demand. Household…

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 to liaise with or a remote location. On the other hand this process can sometimes…

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 Requests for further information can arise where it becomes out of date as part of the process e.g. currency of pay slips, loan statements or bank accounts.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 reveals a company or directorship further information will be requested by the lender to check…

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 last for 90 days but can be renewed.

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 which is an additional assessment process usually taking up to 48 hrs. If you can…

Don’t let the hectic nature of the move let you forget your purpose. Take a moment to enjoy your new home as you open the front door as a family. 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…

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 at the moment with interest rates changing every week. If you would like a no…

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 no obligation free home loan check, The Home Loan Company will compare home loans for…