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When Should I Find A Credit Adviser?

Saving for a home? If you haven’t met with a credit adviser yet, it may cost you. Here’s why. When saving a deposit to buy a home, many people have a goal amount in mind that they need to save before they meet with a credit adviser who will help them

How To Buy A Home When You’re Self-Employed

Self-employed borrowers come up against the challenge of not being able to simply present payslips and tax returns to back up their loan applications. But this need not stop you buying your dream home. Many lenders offer loans for self-employed borrowers who can’t hand over payslips and employment records. This means

Six Ways To Fund A Renovation

Any renovation project, large or small, can be all-consuming in terms of your energy and money. Here are six loan types that can help you with the latter. Considering transforming your home from ‘blah’ to ‘brilliant’, but lacking the funds to support your major makeover? Never fear, we’ve rounded up a

Reserve Bank of Australia leaves cash rate on hold

The official cash rate was left at a record-low 2.5 per cent for the 11th consecutive month, as most experts had forecast. At its July board meeting the RBA again stated that the most likely course of action over the coming months would be a period of stable interest rates sighting how the Australian economy

Have you got equity in your home?

Peninsula Home Loans will be able to review your current home mortgage and help you find the funds to complete your projects based on the value of your home. Assessing your finance position now could help you to: • Increase cash flow / rental returns • Access lower interest rates • Repackage your finance for maximum

Are you ready to buy?

Buying a home is an exciting process but you do need to be prepared. Arranging your finances first helps you set your own limit and better positions you for a successful negotiation. Peninsula Home Loans can help you: • Find out how much you can borrow • Apply for a home loan pre-approval • Arrange finance

Five steps to buying your home

Once a decision has been made to take out a home loan, borrowers will commence the loan application process which is quite similar across lenders. The time frame for loan approvals can range from a few days to a couple of weeks, depending on your particular loan. As a general rule, the

To fix or not to fix: fixed rate loans explained

Noticed that several of the big banks are offering particularly attractive fixed rate home loans? With the cash rate staying at 2.5% since August 2013, and few indicators that official interest rates will move significantly in the short-term, why consider fixing your home loan’s interest rate? We walk you through