HabitatIreland.ie/homeowner
|
|
- Ella Atkins
- 8 years ago
- Views:
Transcription
1 HabitatIreland.ie/homeowner
2 Preparing for your home loan
3 Today... a 12 month view Managing your finances Income & Employment Raising a Deposit
4 Raising a Deposit GiRs / Inheritance / Windfalls / Share Equity 10% Deposit Minimum Solicitors Fees ValuaOon Fee Pre Purchase Survey Furnishing Repairs Stamp Duty
5 Remember QualificaCon Criteria Character Repayment Capacity Loan Security Income & Employment
6 Repayment History Take Control Mortgage Rent Loans Credit Cards Savings History Pay off debts? Or accumulate savings?
7 Current Account Conduct Hardcore overdrar Bouncers and Referrals Undisclosed repayments Spending habits Lifestyle Why is there so much month le1 at the end of the money? LOANS: THE PAYMENTS ON THIS HOUSING LOAN MAY BE ADJUSTED BY THE LENDER FROM TIME TO TIME.
8 Income & Employment ConOnuity & Permanency Employer stability Sector exposure Self employment Calcula&ng your affordability: - Stress test your repayment at an interest rate of 7% - Repayments sum should not exceed 35% of net disposal income
9 Case Study - Jack & Jill Couple, 30 s with one child RenOng in Dublin for paying 900 per month Savings of 12,000 Jack - Employed City Council Labourer 32k pa - Employed for 3.5yrs Jill Self Employed Mobile Hairdresser 18k pa - Established sole trader status 18 months ago 1 Car HP Loan 450 p/m, No other debts or credit cards s
10 Buying 100k 2 bed duplex Budget Asking Price Stamp Duty Legal Fees Mortgage ValuaCon Repairs Total Less 12k Deposit 100, , ,130 89,130
11 Approved Repayments on 89k over 20 = 691 pm Jack s net income = 2,594 Jill s net income = 0 (disallowed for qualificaoon) Less car loan of 450 p/m Income QualificaOon Repayment Net Disposable Income Security QualificaOon 691 Loan Amount 89,000 = = 32% = = 89% 2,144 Value/Purchase Price 100,000 Disposable income of 1,453 before adding 2 nd income which provides a comfort to the applicaoon * Stress tested at an interest rate of 7%, 2% above the standard variable rate
12 If Declined: Implement Approval AcCon Plan 6 months to: Repay car hp facility CerOfy Jill s self employed income Other AcOons to Improve QualificaOon: - Extend loan term (subject to age) - Reduce expenditure to increase deposit - Guarantor / Co Borrower
13 Understanding the Mortgage Process
14 The Mortgage Process What to expect when you start the mortgage applicaoon process... Terms of Business Reasons Why Gather documentaoon Make appointment with bank or broker Mortgage Interview Fact find Advisor conducts market research Advisor makes recommendaoons ICB Report ApplicaOon submired ApplicaOon underwriren U/W reverts with decision & condioons Gather & submit addioonal requirements Approval in Principle (AIP) 130 ValuaOon Fee Life Assurance ApplicaOon Contract Exchange Property valuaoon Lerer of Loan Offer Issued Sign offer with Solicitor Submit closing requirements Loan Cheque Issued Allow 3 months LOANS: THE PAYMENTS ON THIS HOUSING LOAN MAY BE ADJUSTED BY THE LENDER FROM TIME TO TIME.
15 QuesCons? Paula ter Brake Partner Weston and Wellington Ltd t/a Home Brokers The Glass House 11 Coke Lane, Smithfield Dublin 7 Head Office: (0) Direct Fax: (0) E: info@homebrokers.ie W: hrps://
A better way your parents can help you into your first home.
A better way your parents can help you into your first home. exclusively from You ll never need to ask your parents to guarantee your home loan. Almost half of first home owners get financial help from
More informationGUIDETHE. first home buyers GOLDEN RULES. Finding the right home loan. GRANTS, CONCESSIONS, LOAN TYPES, LMI & much more.
first home buyers GUIDETHE GOLDEN RULES GRANTS, CONCESSIONS, LOAN TYPES, LMI & much more Finding the right home loan Compliments of Let s Finance First Home Buyers Guide 1 Congratulations! You ve just
More informationEquity Release your essential guide
Equity Release your essential guide Welcome This guide has been put together to explain equity release, what it means and the options it can offer. We aim to give you as broad an overview as possible and
More informationEquity Release Guide. Helping you make the right decision. nationwide service all lenders available personal visits. www.therightequityrelease.co.
Equity Release Guide 0800 612 5749 www.therightequityrelease.co.uk Helping you make the right decision nationwide service all lenders available personal visits 1 Welcome to The Right Equity Release Who
More informationApplication form Residential Mortgage
Application form Residential Mortgage Intermediary details This section requires details of any Broker, Packager, Sub broker, or Network who has an interest in this application. THIS PAGE MUST BE COMPLETED
More informationNational Margin Lending. Make your investment portfolio work for you
National Margin Lending Make your investment portfolio work for you Contents What is Margin Lending? 3 Why choose National Margin lending? 5 Why gear? 6 How much can you borrow with National Margin Lending?
More informationMortgage Concepts Associates. Innovative & Independent Mortgage Advice. Guide to Mortgage Services
Mortgage Concepts Associates Innovative & Independent Mortgage Advice Guide to Mortgage Services Mortgage Concepts Associates offer independent and innovative solutions to all of your mortgage requirements.
More informationKEY MORTGAGE INFORMATION & EXPLANATIONS
KEY MORTGAGE INFORMATION & EXPLANATIONS THE SOCIETY Within this document reference to we us and our refers to the Society, full details of which are: Tipton & Coseley Building Society, 70 Owen Street,
More informationAll you need to know about the. Seniors Money Lifetime Loan. Information for you, your family and your advisers
All you need to know about the Seniors Money Lifetime Loan Information for you, your family and your advisers 1 Contents This brochure from Ireland s only specialist Lifetime Mortgage provider highlights
More informationConveyancing Marketing Services Ltd
Conveyancing Marketing Services Ltd Remortgage Information Fixed Fee Remortgages from 95 (plus vat and disbursements) Terms and Conditions of Remortgage Conveyancing Applies to registered title only Local
More informationMORTGAGES. The easy guide for customers looking for a mortgage
MORTGAGES The easy guide for customers looking for a mortgage Introduction Buying a Home Your home is where you ll spend most of your life, and so it should be somewhere you really love. Whether buying
More informationIT S MORTGAGE REVERSE A SIGN OF THE TIMES
IT S A SIGN OF THE TIMES REVERSE MORTGAGE UNLOCK THE EQUITY IN YOUR HOME If you want the financial freedom to spend your retirement how you choose, with independence and dignity, you should talk to us.
More informationRemortgaging guide 1. Remortgaging guide. We re with you every step of the way
Remortgaging guide 1 Remortgaging guide We re with you every step of the way Remortgaging guide 2 With so many different mortgages out there to choose from, deciding which one is best for you can be a
More informationIT S LIFETIME LOAN A SIGN OF THE TIMES AUSTRALIAN SENIORS FINANCE. The Home Equity Release Specialist
IT S A SIGN OF THE TIMES LIFETIME LOAN AUSTRALIAN SENIORS FINANCE The Home Equity Release Specialist UNLOCK THE IN YOUR EQUITY HOME If you want the financial freedom to spend your retirement how you choose,
More informationWhat is a Financial Broker?
& Guidance Contents What is a mortgage? 02 How do I start the process of obtaining a mortgage? 03 Loan to Value (LTV) 06 What is a Financial Broker? 06 Why would I need to use a Financial Broker? 07 Terms
More informationFinancial Plan for Your 30s
Financial Plan for Your 30s 0 5 10 15 20 25 30 35 40 Number of years 40 years 30 years 35 years 25 years CIR116014 Getting Started In their 30s, many workers have an established job and cash flow. With
More informationBorrowing Solutions. 5 Principles for Better Borrowing
Borrowing Solutions 5 Principles for Better Borrowing Better borrowing lets you get more from your money Most people end up borrowing money at some point in their lives. But we know life isn t about borrowing
More informationShared Home Ownership
Shared Home Ownership Frequently Asked Questions Open your mind to the possibility of home ownership with Opening Doors Visit openingdoorswa.com.au Version: February 2016 Home Loans About the Opening Doors
More informationSufemissiots No,. Date Received...
Sufemissiots No,. Date Received...!y """' ~ ~* < ~~ * i OtC 2006 1 1 December 2006 ie Secretary of the Committee House Standing Committee on Legal and Constitutional Affairs By email: Iaca.reps@aph.gov.au
More informationA brief guide to Financial Planning Guide financial planning
A brief guide to Financial Planningplanning Guide financial Table of Contents Financial Planning The Process of Financial Planning Why do I need a Financial Plan? Do I need a Financial Advisor? Tips to
More informationplain talk about life insurance The right life insurance can have an enormous effect on your life and the lives of those you love.
plain talk about life insurance The right life insurance can have an enormous effect on your life and the lives of those you love. Thinking about life insurance? You re not alone. Canadians generally agree
More informationIntermediary Guide to Lending Criteria
Intermediary Guide to Lending Criteria This Guide is for Owner Occupied Mortgages Only FOR INTERMEDIARY USE ONLY February 2016 version 3.0 re: Lending Policy version 4.0 CONTENTS INTRODUCTION PURPOSE OF
More informationPaying for the costs of major works to your property
Paying for the costs of major works to your property Introduction We are responsible for thousands of homes and are committed to keeping those homes in a good state of repair. This means that from time
More informationPrepared For. Wednesday, October 22, 2014. Prepared By
Protection Fact Find Prepared For Prepared By 1 Protection - Life Cover - Mortgage Protection - Income Protection - Specified Illness - Inheritance Planning Topic Review Priority Time Frame Comments and
More informationPRIVATE WEALTH. Client Questionnaire and Risk Profile
PRIVATE WEALTH Questionnaire and Risk Profile Important Notice to The Australian Corporations Act (2001) requires that an Adviser making personal advice recommendations must have reasonable grounds for
More informationGuide to buying your first home. January 2015
Guide to buying your first home January 2015 Guide to buying your first home Buying a home is the largest purchase most people are likely to make and for first time buyers securing a mortgage for the first
More informationReverseMortgages.com, Inc. A Guide to Reverse Mortgages
ReverseMortgages.com, Inc. A Guide to Reverse Mortgages Table of of Contents Introduction Our Commitment to You Is a Reverse Mortgage Right for You? Getting Your Reverse Mortgage: Questions & Answers How
More informationGet the facts. What every homeowner who is at least 62 years of age should know about reverse mortgage loans
Get the facts What every homeowner who is at least 62 years of age should know about reverse mortgage loans Dino Guadagnino Reverse Area Sales Manager PHL Federal Reserve Meeting December 1, 2010 1 What
More informationIT S MORTGAGE REVERSE A SIGN OF THE TIMES
IT S A SIGN OF THE TIMES REVERSE MORTGAGE UNLOCK THE EQUITY IN YOUR HOME If you want the financial freedom to spend your retirement how you choose, with independence and dignity, you should talk to us.
More informationHelpful Information for a First Time Mortgage
Helpful Information for a First Time Mortgage Getting Started Many people buying their first home are afraid lenders don't really want to work with them. But that's simply not true. Without you, there
More informationRefinancing may be an option for you to consider if your loan is adjusting to an interest rate that's higher than the current market rates.
How does an adjustable rate mortgage (ARM) work? Like many homebuyers, you may have been attracted to the low initial interest rate of an adjustable-rate mortgage (ARM). While adjustable-rate mortgages
More informationSecuring a Conventional Business Loan
Passaic County Department of Economic Development Securing a Conventional Business Loan October 16, 2013 Our Mission To Pull Back the Curtain We want to show you how we operate and what we look for Common
More informationNew Business Application Form
The Specialist Whole of Market Commercial & Business Finance Broker New Business Application Form National Association of Commercial Finance Brokers Association of Bridging Proffessionals 1 Arlington Court,
More informationGuide to Buying Your House
Guide to Buying Your House Choosing a mortgage is one of the biggest financial decisions you're likely to make. Each lender has its own set of rules and guidelines. These vary for products and your individual
More informationEquity Finance Mortgage (EFM)
Introducing the award-winning Equity Finance Mortgage (EFM) Best New Product of the Year 2007 Best New Product of the Year 2008 What is an EFM? An Equity Finance Mortgage (EFM) is an award-winning home
More informationUnderstanding and dealing with Debt A guide from KBC Bank Ireland
Home Mortgages Understanding and dealing with Debt A guide from KBC Bank Ireland 1850 930 235 kbc.ie KBC Bank Ireland plc is regulated by the Central Bank of Ireland. 1 - Your Mortgage with KBC Bank Ireland
More informationThe Help to Buy: equity loan scheme What you need to know before you go ahead
Page 1 of 5 The Help to Buy: equity loan scheme What you need to know before you go ahead What is the Help to Buy: equity loan scheme? The Help to Buy: equity loan scheme is a Government backed programme
More informationRecommended for review. Understanding Business Insurance. Understanding Investment Concepts
Recommended for review o Understanding Business Insurance Understanding Investment Concepts Page 1 Understanding Business Insurance Version 1.0 Preparation Date: 1 st July 2009 This document has been published
More informationBusiness Loan Application Form
Business Loan Application Form For all enquiries contact 1300 658 108 Mail to New Accounts - Business Banking, ME Bank, Reply Paid 1345, Melbourne VIC 8060 Visit mebank.com.au Section 1 Applicant Details
More informationClient Needs Analysis
Date: YOUR DETAILS: Client Needs Analysis Full name (Client 1): Full name (Client 2): If Company and/or Trust: Company/Trust name: ABN/ACN: Registered address: Business address (if different from above):
More informationIMPORTANCE OF CREDIT HISTORY AND SUCCESSFUL SAVING
IMPORTANCE OF CREDIT HISTORY AND SUCCESSFUL SAVING From America Saves and Experian WHAT IS A CREDIT REPORT AND SCORE? A credit score is a three digit number that measures how likely you are to repay a
More informationMortgages Things You Should Know
Mortgages Things You Should Know Moving and Money So you re starting to talk about moving out of London or perhaps you ve made the decision already and you ve started the search in earnest. One of the
More informationReverse Mortgages. An investment research policy for using reverse mortgages
Reverse Mortgages An investment research policy for using reverse mortgages Table of contents Table of contents... 2 At a glance... 3 Introduction... 4 What is a reverse mortgage?... 4 Advantages and disadvantages...
More informationClient Needs Analysis
YOUR DETAILS: Full name (Client 1): Date: Client Needs Analysis / / Full name (Client 2): If company and/or Trust: Company/Trust name: ABN/ACN Registered address: Business address (If different from above)
More informationWhat is a Remortgage and Why Do You Need One?
A simple guide for Barr Financial Services is regulated by the FSA. FAS no. 506976. INTRODUCTION This guide hopes to help you understand what a remortgage is and why it may be right for you. If you own
More informationMybudget.ie. Budgeting for a better life - Ireland. Debt Prevention - Financial Education
European Consumer Debt Network Conference Tackling Household Over-indebtedness Mybudget.ie Budgeting for a better life - Ireland Debt Prevention - Financial Education Michael Mulhall Athens, 21-23 November
More informationMortgage Arrears Resolution Process
Mortgage Arrears Resolution Process AIB Mortgage Arrears Resolution Process A practical guide for AIB mortgage customers. Drop in to any branch 1890 252 008 www.aib.ie Working together to find resolutions.
More informationFinance Company of Ireland
Finance Company of Ireland mortgages.ie Nationwide mortgage specialists Mortgage Application Form Details of Introducing Intermediary: Name Telephone E-mail Fax Authorisation. Disclosure of Intermediary
More informationHelp to Buy Buyers Guide
Help to Buy Buyers Guide Homes and Communities Agency http://www.homesandcommunities.co.uk/helptobuy Page 1 of 27 Key information Buyers using this scheme must provide security in the form of a second
More informationPartnering with you to buy your home or investment property. Finding the right loan, how much to borrow and approval steps
Partnering with you to buy your home or investment property Finding the right loan, how much to borrow and approval steps Contents 04 Finding the right loan 08 Saving and borrowing for your home 12 Five
More informationright up your street.
buy to let landlords guide right up your street. More and more people are renting. As a landlord you ve got enough to think about, without worrying if you ve made the right financial choices. Our advisers
More informationSeniors Money Ireland Limited t/a Seniors Money 60plus Loan Seniors Money is a joint venture company equally owned by IFG Group plc and Sentinel
Seniors Money Ireland Limited, Beech House, Beech Hill Office Park, Clonskeagh, Dublin 4. LoCall 1890 73 64 67 (1890 SENIOR) or email info@seniorsmoney.ie www.seniorsmoney.ie Seniors Money Ireland Limited
More informationIt Is In Your Interest
STUDENT MODULE 7.2 BORROWING MONEY PAGE 1 Standard 7: The student will identify the procedures and analyze the responsibilities of borrowing money. It Is In Your Interest Jason did not understand how it
More informationFinancial Assessment Process. Step by Step Guide to your Financial Assessment Meeting
Financial Assessment Process Congratulations you ve been provisionally offered a property subject to a financial assessment. To prepare you for your assessment and to answer any questions you may have,
More informationHome Equity Loans and Credit Lines HELOC
Home Equity Loans and Credit Lines HELOC If you re thinking about making some home improvements or looking at ways to pay for your child s college education, you may be thinking about tapping into your
More informationA GUIDE TO OUR OWNER OCCUPIER MORTGAGE CRITERIA
A GUIDE TO OUR OWNER OCCUPIER MORTGAGE CRITERIA Issued: 17 May 2016 Contents Introduction. 3 Summary 3 Purpose of borrowing. 3 Status... 4 Foreign nationals.. 4 Impaired credit 4 Income 5 Age 5 Mortgage
More informationStandard Financial Statement
Standard Financial Statement 2 of 12 EBS Standard Financial Statement The information provided in the Standard Financial Statement (SFS) is vital in helping both EBS and our customers to understand their
More informationto vote on borrowing Member s resolutions. This is further explained in the Society s Rules (a copy is available on request).
Mortgages Explained 2 This brochure answers some of the more common questions that you may have about how your mortgage works and the relationship between the Society and its borrowers. Please read it
More information[19.02.10A] Cost of Acquisition / Enhancement Where Debt Released Restriction of Allowable Cost for CGT purposes
[] Cost of Acquisition / Enhancement Where Debt Released Restriction of Allowable Cost for CGT purposes 1. Introduction Section 552 of the Taxes Consolidation Act 1997 sets out the rules for determining
More informationFirst Steps to Getting a Mortgage for Owner Occupiers
First Steps to Getting a Mortgage for Owner Occupiers Mortgages Your Mortgage step by step 1 Meet with your AIB Mortgage Consultant to discuss your Mortgage requirements. You can also get a You quote for
More informationt: +44 (0) 1708 206 498 e: info@turkishmortgagesplus.com w: turkishmortgagesplus.com
t: +44 (0) 1708 206 498 e: info@turkishmortgagesplus.com w: turkishmortgagesplus.com Turkish Property Finance Your Mortgage Guide YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP PAYMENTS ON YOUR MORTGAGE.
More informationDEFERRED PAYMENT AGREEMENT. Information Pack for our service users and their families or representatives
12 WEEK PROPERTY DISREGARD PERIOD AND THE DEFERRED PAYMENT AGREEMENT Information Pack for our service users and their families or representatives What is the 12 week Property Disregard Period? The Council
More informationEQUITY LOAN HOME STAY WHERE YOU BELONG. Seniors Finance
STAY WHERE YOU BELONG. HOME EQUITY LOAN Seniors Finance Welcome If you want the financial freedom to spend your retirement how you choose with independence and peace of mind knowing that unexpected costs
More informationStatement of Financial Circumstances (Child support reviews)
Statement of Financial Circumstances (Child support reviews) Your financial circumstances are relevant to the AAT s decision. This form must be completed and returned to the AAT within the timeframe specified
More informationModule 8: Reverse Mortgages and Other Private Financing Options for Long-Term Care. Posted 5/31/05
Module 8: Reverse Mortgages and Other Private Financing Options for Long-Term Care Posted 5/31/05 Answers to Key Questions What LTC financing options are available other than insurance? What are the differences
More informationYour guide to Shared Ownership
Your guide to Shared Ownership 2 If you need this document in another format please contact us. Your Guide to Shared Ownership Delivering Affordable Housing This guide gives you information about buying
More informationLooking for the Best Mortgage?
Looking for the Best Mortgage? Shop, Compare, Negotiate Shopping around for a home loan or mortgage will help you to get the best financing deal. A mortgage whether it s a home purchase, a refinancing,
More informationTRANSFER OF EQUITY APPLICATION FORM. This form should be used for Buy to Let and Let to Buy applications only.
TRANSFER OF EQUITY APPLICATION FORM This form should be used for Buy to Let and Let to Buy applications only. Account Number Please complete Names of Existing Borrowers: Title Mr Mrs Miss Ms Other First
More informationCalculator Descriptions and Assumptions: Updated 18/10/2013. Basic Loan Repayments
Calculator Descriptions and Updated 18/10/2013 Basic Loan Repayments This calculator compares 4 different loan scenarios using the minimum required inputs. The end statement compares the least expensive
More informationYour guide to ANZ Home Loans. Be certain about your choice
Your guide to ANZ Home Loans Be certain about your choice C O N T E N T S 3 The more you know, the easier it is 4 What do you need the loan for? 5 How much can I borrow? 7 Home loan choices for everyone
More informationEQUITY LOAN HOME HOWDO WE STAY IN OUR FAMILY HOME?
HOWDO WE STAY IN OUR FAMILY HOME? HOME EQUITY LOAN Welcome If you want the financial freedom to spend your retirement how you choose, with independence and dignity, you should talk to us. A Heartland Home
More informationFirst Time Home Buyer
First Time Home Buyer What we ll need to get started on your pre-approval Verification of employment income: most recent T4 / Tax Return / Notice of Assessment and either a Pay Stub or Letter of Employment
More informationSelf Managed Super Fund (SMSF) Limited Recourse Loans
Self Managed Super Fund (SMSF) Limited Recourse Loans Memorandum Ever since the Superannuation Industry (Supervision) Act 1993 (SIS Act) was amended in late 2007, SMSF Lending has been arranging Super
More informationA guide to mortgages
A guide to mortgages Contents An Introduction to mortgages 3 What is a mortgage? 4 Choosing a mortgage - where to start 5 What to consider before getting a mortgage? 6 Mortgage and repayment types 8 Interest
More information7 Reasons Why Property
7 Reasons Why Property Investment can t be ignored. Know your options before it s too late. What is in this report? This report is a must read for anyone looking to improve their lifestyle and enjoy greater
More informationSmart strategies for using debt 2012/13
Smart strategies for using debt 2012/13 Appreciating the value of debt William Shakespeare wrote, Neither a borrower nor a lender be, but the fact is debt can be a very useful tool when used properly.
More informationA GUIDE TO. reverse mortgages. Live the retirement you dreamed
A GUIDE TO reverse mortgages Live the retirement you dreamed Guide Content 14What Is A Reverse Mortgage? 24How Do I Qualify? 34 What Can A Reverse Mortgage Be Used For? 44How Much Money Could I Qualify
More informationHousing Opportunities for Native Americans & Alaska Natives NativeNatives
Housing Opportunities for Native Americans & Alaska Natives NativeNatives The Section 184 Indian Home Loan Guarantee program is a home loan product for federally recognized tribal members, tribes, and
More informationYour Home Buying Guide
Your Home Buying Guide What s involved in buying a home? The steps in the buying process. How do I apply for a loan and what do I need to provide? T. 1300 857 557 W. eselectfinance.com.au Your Home Buying
More informationFees we charge for consumer mortgage lending products
Fees we charge for consumer mortgage lending products Effective October 2009 This booklet provides information on the fees we may charge when you purchase any of the following consumer mortgage lending
More informationReverse Mortgage. That s what we re here for. Financial freedom to do the things you ve always wanted. Here for good.
Reverse Mortgage Financial freedom to do the things you ve always wanted That s what we re here for. Here for good. Contents 2 The freedom of a Reverse Mortgage 3 Product overview 4 About Reverse Mortgages
More informationOptional Life insurance Get to know your benefits
Optional Life insurance Get to know your benefits Contents 01 What is Optional Life insurance? 03 Why opt for Optional Life coverage? 04 How to apply for Optional Life insurance? What is Optional Life
More informationEnhance Your Financial Security. With a Home Equity Conversion Mortgage
Enhance Your Financial Security With a Home Equity Conversion Mortgage 1 Call for Additional Information 888.732.1005 1 Unlock Your Home s Equity We understand that you want to transition easily into the
More informationClient Needs Analysis
Date: YOUR DETAILS: Client Needs Analysis Full name (Client 1): Full name (Client 2): If Company and/or Trust: Company/Trust name: ABN/ACN: Registered address: Business address (if different from above):
More informationEBS Guide To Managing Your Mortgage
EBS Guide To Managing Your Mortgage Our guide aims to help you review your mortgage and provide support information should your circumstances change. Budgeting, money management and savings tips are all
More informationHouse Purchase Loan Application Form. Housing and Residential Services
House Purchase Loan Application Form Housing and Residential Services Dublin City Council, House Purchase Loan Section, Block 2, Floor 2, Civic Offices, Wood Quay, Dublin 8. Opening hours: 9.30am 4pm Tel:
More informationHow To Understand The Laws Of Korea
A Additional Payment The method of significantly reducing your home loan with extra payments to your mortgage. Even paying fortnightly rather than monthly can have a big impact. Amortisation Another way
More informationConveyancing Guide. We welcome you as a client of Tyndallwoods and thank you for your instructions. Conveyancing has two basic stages
Conveyancing Guide We welcome you as a client of Tyndallwoods and thank you for your instructions. This guide is part of the Tyndallwoods commitment to quality of service. We are well aware that moving
More informationlending Lending Advice.much more than just a Mortgage Broker
lending Lending Advice.much more than just a Mortgage Broker Notes: living a life well planned General Advice Warning: Any advice in this publication is of a general nature only and has not been tailored
More informationA Beginner s guide to Bridging Finance
A Beginner s guide to Bridging Finance Tel: 023 8045 6999 bridging-booklet-v4.008022016 Contents Introduction What is a bridging loan? How do bridging loans work? Why are people using them? When would
More informationA Professional Approach to Short Term Lending Secured against Land or Property
A Professional Approach to Short Term Lending Secured against Land or Property 2012 Edition A Professional Approach to Short Term Lending Secured against Land or Property Introduction The members of the
More informationHelp to Buy Buyers Guide. Homes and Communities Agency http://www.homesandcommunities.co.uk/helptobuy August 2014
Help to Buy Buyers Guide Homes and Communities Agency http://www.homesandcommunities.co.uk/helptobuy August 2014 What is Help to Buy? Help to Buy is equity loan assistance to home buyers from the Homes
More informationTips for First Time Home Buyers
Tips for First Time Home Buyers Thinking about buying your first home? Andrew L. Jaloza & Associates will help you understand the process of home ownership so you can make informed decisions about your
More informationEQUITY HOME. HowDO. we stay in. our family. home?
HowDO we stay in our family home? HOME EQUITY loan Welcome If you want the financial freedom to spend your retirement how you choose, with independence and dignity, you should talk to us. A Heartland Home
More informationThe straight forward way to a mortgage makeover, with EBS
Mortgage Makeover The straight forward way to a mortgage makeover, with EBS All you need to know about switching your mortgage all together better Relax. It s easy to switch with EBS QuickSwitch Even if
More informationA simple guide to getting more from your future with. Aviva Equity Release. Best Equity Release Lender
A simple guide to getting more from your future with Aviva Equity Release Best Equity Release Lender J4602_PF011120_1015.indd 1 09/10/15 8:06 pm Contents An introduction to Aviva Equity Release What is
More informationClient Needs Analysis
Date: YOUR DETAILS: Client Needs Analysis Full name (Client 1): Full name (Client 2): If Company and/or Trust: Company/Trust name: ABN/ACN: Registered address: Business address (if different from above):
More informationQPCU Credit Card Application
QPCU Credit Card Application Level 1, 231 North Quay, Brisbane Qld 4000. PO Box 13003, George Street Qld 4003. : 13 77 28 Fax: (07) 3211 3683 Email: info@qpcu.com.au Website: www.qpcu.com.au Australian
More informationThe majority of Canadians own their homes, and the number keeps growing. But some people believe they could never own a home.
Is home ownership right for you? The majority of Canadians own their homes, and the number keeps growing. But some people believe they could never own a home. Could this be you? Maybe you are not sure
More informationTariff of Mortgage Charges
MORTGAGES Tariff of Mortgage Charges Where home matters principality.co.uk Principality Building Society is closely involved in the mortgage industry s initiative with the Council of Mortgage Lenders
More information