A fresh alternative for Home Loan Help

Save this PDF as:

Size: px
Start display at page:

Download "A fresh alternative for Home Loan Help"

Transcription

1 A fresh alternative for Home Loan Help

2 Where the big lenders stop, Pepper begins. Pepper takes a personal approach to home loans. Whatever your circumstances, we ll work with your Pepper accredited mortgage broker to understand them and base decisions on discussions and supporting documentation, not data alone.

3 Sometimes getting the right home loan can be a challenge, especially if you have been knocked back by the banks, have a blemish on your credit report, are self-employed or don t have up-to-date tax returns. The way we see it, everyone has the right to achieve their financial goals. So Pepper s approach is based on flexible lending criteria to help you begin that journey and dedicated support for your mortgage broker to help them provide the best guidance. Importantly, we also offer the security and confidence you look for in a financial partner. All the right credentials Pepper is a well-established diversified non-bank lender, backed by funding partners such as Commonwealth Bank, National Australia Bank and Westpac. Since 2001, we ve been helping people who don t tick all the traditional boxes for home loans and also provide professional equipment and car loans. Headquartered in Australia, we have a global head count of over 1,200 staff spread across Australasia, Asia and Europe including Ireland, UK, Spain and Korea. That makes Pepper the perfect partner to help you get your foot on the property ladder and your key in the door or make your current situation more manageable. I ve banked with the same bank my whole life and built up hundreds of thousands of dollars in equity. But because I ve been self-employed for less than two years, they refused my home loan application. Nicola, Pepper customer We re here to change that. Pepper. People. Above all, we re people too. Helpful people who will listen to your story, talk you or your mortgage broker through any questions, and assess your home loan application on its merits, not on what the computer says.

4 Can you get home loan help? Absolutely... Pepper takes your circumstances personally

5 Pepper looks at individuals, not stereotypes To Pepper, you re more than a number. You re a person looking to buy or refinance a home or an investment property, but maybe your circumstances don t tick the big banks boxes. Where traditional lenders might be unable to help, Pepper will give you a warm welcome and work with your mortgage broker to help you achieve your financial goals. This means assessing every single application on its own merits, because a credit score doesn t always show the full picture. Flexible loans based on your needs, not ours Pepper s home loans are flexible, because everyone s circumstances are different. A one size fits all approach can t always help you achieve your unique goals. What s more, you only need to apply once; if you don t quite meet the criteria of the home loan you first apply for, your application is automatically reassessed to find the Pepper loan that best matches your circumstances without damaging your credit score. Pepper s flexible products may also help you reduce your interest payments, repay your loan faster and, if required, consolidate your debts. So if you want to refinance when you ve achieved even greater financial stability, ask your mortgage broker about how Pepper can assist as well. Dealing directly with a decision-maker At Pepper, your mortgage broker doesn t just take your application and feed it into a system or software. They ll have the support of a decision-maker at every stage, because we know the numbers are rarely a true reflection of your circumstances. And software can t give guidance or advice or negotiate. Life often deals an unexpected or unfair hand, so Pepper takes a wider view on your situation. By looking at your past, present circumstances and your likely future needs, we may be able to help where others may not. Part of this personal approach is making sure you re comfortable with the what, when and why of every part of the Pepper home loan process.

6 A closer look at who Pepper can help (It could be you) Banks have tightened their lending criteria since the Global Financial Crisis which means some borrowers who may have previously qualified for a home loan with a bank are being turned away. But Pepper is not a bank. Pepper is one of Australia s leading specialist providers of non-conforming loans. We approach credit risk analysis differently, which means you may have more home loan options than you first thought The differences between a non-conforming borrower and a prime borrower may be due to some challenging life circumstances: a poor financial decision made years ago, for example, or a default payment on a previous loan. If your income or employment history is irregular, or you have some credit defaults, it s a good idea to talk to us. At Pepper, we don t see why these factors mean you should miss out on being considered for finance. So long as we can apply our flexible lending criteria to your personal circumstances, you may still be able to achieve your financial goals. When we needed to refinance, our current lender wasn t interested. Pepper to the rescue! The process was simple and straightforward, with lots of follow up calls. I have never experienced such wonderful customer service! Kathleen, Pepper customer Fair go, for the employed Maybe you ve been on a good wage for a while now, and you d be in a strong position for a home loan from your bank if you didn t have a previous credit default. Or perhaps you ve been turned down by other lenders and you just want certainty about your options before you fill in any applications. or self-employed Perhaps you ve set up your own business fairly recently. You may be financially astute, but banks consider you a risk when it comes to a home loan because your income isn t as predictable. Alternatively, you might be confident of your long-term financial stability, but cash flow can make some months trickier than others. Whoever you are Pepper may be able to help where the banks would say no. We believe in people, and in your right to a fair go at home ownership. Together with your mortgage broker, we ll help you take that important first step.

7 Since 2001, we ve helped over 100,000 Australians achieve their financial goals Are you: Wanting to consolidate debts? A new business owner? On a stable income but undesirable to other lenders due to a poor credit history/bankruptcy? A customer who has been refused credit from your bank? Recently back in the workforce after suffering a temporary illness? Pepper can help.

8 Sponsorship & awards Pepper is hot for the Western Sydney Wanderers Pepper loves supporting the NRMA Western Sydney Wanderers. We announced an ongoing partnership with them in December 2013, and less than a year later they became the sporting toast of our nation by winning the Asian Champions League. Pretty outstanding, considering the club only began a little over two years earlier. The Wanderers and Pepper share a strong belief in giving back to the community. The Wanderers and Pepper share a strong belief in giving back to the community. We re proud to be part of their supporters passion and their continued success. 2013/2014 CORPORATE PARTNER Take a seat at Pepper Stadium We re excited to be a part of Penrith Panthers history, and their iconic home ground. We re even more excited to get involved on game days with fun competitions and giveaways, as well as offer VIP experiences on the house for lucky supporters. Together, Pepper will continue to support local small businesses and provide opportunities for young people in Penrith and its surrounds.

9 Award-winning service Australian Lending Awards winner: Presented by RFi, the Australian Lending Awards are the only awards dedicated exclusively to awarding achievement within the mortgage lending industry. They are based on consumer and broker interviews and judged by an independent panel of industry experts. Best Specialist Lender 2015, 2014, 2013 Best Self-Employed Lender 2015 Non-Bank Lending Awards winner: Hosted by The Adviser magazine, the number one magazine for Australia s mortgage and finance brokers, the Non-Bank Lending Awards are chosen based on an independent survey of over 600 brokers. Best Customer Service 2015, 2014 Best Self-Employed Lender 2015, 2014 Best Investor Lender 2015, 2014 Most Innovative Products 2015, 2014 Best BDM Support 2015, 2014 Best Equipment and Leasing Finance Lender 2015 Best Broker Service 2015

10 Let s get started You re ready to start the next chapter in your life, but it s understandable that you might feel a bit overwhelmed and not know where to begin. That s where Pepper can help. Here s a quick overview of what you can expect from Pepper s service. How does the home loan process work? Pepper s home loan process has just four simple steps. Chat The first thing your mortgage broker will do is take the time to listen to understand your needs. Once those needs are identified they will discuss your personal finances to learn about your current financial position expect to talk about your income, expenses, assets and liability positioning, and your credit history. Check Next, your documentation will be reviewed and assessed to validate your financial position. Once that assessment is successful, you will be issued with an Approval in Principal letter and an independent valuer will inspect your proposed property to check the estimated value or purchase price. Seal Once these checks have been satisfied you will be issued with a Formal Approval. You ll be sent a copy of the loan agreement, which details the terms and conditions of the loan. Settle All that s left is for you to sign and settle. You ll need to review and sign your loan documents while your mortgage broker prepares and confirms your settlement date. The settlement day is the first day of your new home loan and it s when you officially start your financial journey with Pepper. If you d like to learn more about the Pepper home loan process please ask your mortgage broker and they can talk you through it.

11 We won t stand in your way Far from it if Pepper can help, we will Help is at hand Pepper has an online Help Centre which contains a library of tips, guides and expert insights designed to assist you at any stage of your home loan journey. You can find help on a range of topics including money management, bad credit, investing, refinancing, discharged bankruptcy and more. Visit pepper.com.au/help-centre To find out more Talk to your Pepper-accredited mortgage broker Learn more about Pepper at pepper.com.au Name Your Pepper-accredited broker: Company Phone All loans are subject to Pepper s normal credit assessment and loan suitability criteria. Terms, conditions, fees and charges apply. Pepper Group Limited ACN , Australian Credit Licence Number , is the servicer of loans made by Pepper Finance Corporation Ltd ACN

12 To find out more: Talk to your Pepper-accredited mortgage broker Visit us online at pepper.com.au Pepper Group Limited ACN , Australian Credit Licence Number , is the servicer of loans made by Pepper Finance Corporation Ltd ACN

The Pepper Home Loan Advantage

The Pepper Home Loan Advantage The Pepper Home Loan Advantage A CAN DO Approach to Lending. Reliable and Secure Pepper is a highly experienced home loan provider. Our underwriting philosophy, credit management and approach to loan servicing

More information

AUSTRALIA S TOP 30 HOME LOAN MYTHS BUSTED

AUSTRALIA S TOP 30 HOME LOAN MYTHS BUSTED AUSTRALIA S TOP 30 HOME LOAN MYTHS BUSTED Australia s Top 30 Home Loan Myths BUSTED! Fairer home loans for Australians Hi, I m Mark Bouris from Yellow Brick Road. Australia, it s time for a fairer deal

More information

Home Loan Refinancing Guide

Home Loan Refinancing Guide Home Loan Refinancing Guide Contents How refinancing works... 3 Steps to refinancing... 4 Choose the home loan that s right for you... 4 Give your loan a regular 'health check'... 9 Aussie is a trade mark

More information

Why choose LJ Hooker Home Loans?

Why choose LJ Hooker Home Loans? Why choose LJ Hooker Home Loans? Welcome! Whether buying a first home, dream home or investing, for most of us the right lending product and structure is vital. In 2014 our lending specialists helped more

More information

HOME LOAN GUIDE. Call 1300 17 87 87 1ststreet.com.au

HOME LOAN GUIDE. Call 1300 17 87 87 1ststreet.com.au HOME LOAN GUIDE Call 1300 17 87 87 1ststreet.com.au CONTENTS FIND ALL YOU NEED TO KNOW 4 6 8 10 12 16 18 19 22 24 26 1st Street The Story Your 1st Street Mortgage Broker Lender Options The Plan Lenders

More information

YOUR GUIDE TO BUYING A NEW HOME.

YOUR GUIDE TO BUYING A NEW HOME. YOUR GUIDE TO BUYING A NEW HOME. THE ROAD TO YOUR NEW HOME STARTS HERE. Buying a new home is exciting, but there s a lot to think about. We re here to help, with practical tips and online tools that make

More information

Introduction 4. What is Refinancing? 5. Changing Home Loans 5 Changing Needs 6 Identifying Better Opportunities 6 Additional Home Loan Features 6

Introduction 4. What is Refinancing? 5. Changing Home Loans 5 Changing Needs 6 Identifying Better Opportunities 6 Additional Home Loan Features 6 Contents Introduction 4 What is Refinancing? 5 Changing Home Loans 5 Changing Needs 6 Identifying Better Opportunities 6 Additional Home Loan Features 6 What are the Advantages of Refinancing? 7 1. Consolidating

More information

Another way to describe the repayment of your debt. Over the term of the loan, your regular repayments are said to amortise the loan.

Another way to describe the repayment of your debt. Over the term of the loan, your regular repayments are said to amortise the loan. 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 information

The Pepper Advantage Suite of Home Loans

The Pepper Advantage Suite of Home Loans The Pepper Advantage Suite of Home Loans product guide Contents Pepper Flexi Advantage 2 Pepper Flexi Advantage PLUS 4 Pepper Self-Employed Advantage 6 Pepper Self-Employed Advantage PLUS 8 Pepper Easy

More information

An introduction to our Mortgage & Finance Broking service. We ll find the loan that s right for you

An introduction to our Mortgage & Finance Broking service. We ll find the loan that s right for you An introduction to our Mortgage & Finance Broking service We ll find the loan that s right for you We ve been helping Australians create secure financial futures since 1840 More than anything else, Australian

More information

Customer Charter. Version 1

Customer Charter. Version 1 Customer Charter Version 1 Welcome to Bluestone The Bluestone Group has been operating since 2000. In that time, Bluestone has developed a reputation in the industry as a high quality and innovative specialist

More information

Borrow Wisely with these Keys: Local servicing Pre-approvals Competitive interest rates Personal service Tailored loan programs*

Borrow Wisely with these Keys: Local servicing Pre-approvals Competitive interest rates Personal service Tailored loan programs* Your Home Financing Process Checklist As you prepare to purchase a home or refinance your loan, it s important to know what to expect along the way. Here, we ve outlined some of the general steps in the

More information

6 STEPS TO MORTGAGE APPROVAL AFTER BANKRUPTCY

6 STEPS TO MORTGAGE APPROVAL AFTER BANKRUPTCY 6 STEPS TO MORTGAGE APPROVAL AFTER BANKRUPTCY 2 3 A Message to You from Geoff Lee, President of GLM Mortgage Group Life sometimes brings us the unexpected. It is never comfortable to face financial crisis.

More information

GUIDETHE. first home buyers GOLDEN RULES. Finding the right home loan. GRANTS, CONCESSIONS, LOAN TYPES, LMI & much more.

GUIDETHE. 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 information

Access to Finance: Tips to Guide SMEs

Access to Finance: Tips to Guide SMEs Access to Finance: Tips to Guide SMEs CPA Australia Ltd ( CPA Australia ) is one of the world s largest accounting bodies representing more than 139,000 members of the financial, accounting and business

More information

Home loan check up. Reviewing the health of your home loan

Home loan check up. Reviewing the health of your home loan Home loan check up Reviewing the health of your home loan 2 3 Contents Debt consolidation & refinancing 3 Considering refinancing? 4 Benefits of refinancing 6 Know the costs of refinancing 12 It s natural

More information

DEBT HOLE TRAPPED IN THE. Daddy, why are you coming home late again?

DEBT HOLE TRAPPED IN THE. Daddy, why are you coming home late again? 2015 TRAPPED IN THE DEBT HOLE Daddy, why are you coming home late again? Jonathan is a typical American consumer. He works hard to provide for his family and enjoy his time off, but he never seems to have

More information

Let s work together. Intermediary product guide.

Let s work together. Intermediary product guide. Let s work together Intermediary product guide. Launched in 2009, Aldermore champions Britain s businesses. We offer straightforward banking products and services to small and medium-sized businesses and

More information

Get Your Home Loan Approved

Get Your Home Loan Approved How To Get Your Home Loan Approved Everytime! Getting a home loan can be a murky affair especially if you don t fit into a lender s standard borrower profile. This article looks at the options available

More information

Overcoming Credit Obstacles

Overcoming Credit Obstacles Overcoming Credit Obstacles Ever wondered how your credit impacts your overall financial wellness? Let us tell you: It plays a starring role in many of your life s important financial endeavors! Whether

More information

Pepper Home Loan Product Guide

Pepper Home Loan Product Guide Pepper Home Loan Product Guide 2 November 2015 V4.1 Find out why a growing number of brokers are sold on specialist lending For information on specialist lending including videos, case studies and modules,

More information

How to Avoid The Five Biggest First-time Homebuyer Mistakes. Mistake #1

How to Avoid The Five Biggest First-time Homebuyer Mistakes. Mistake #1 How to Avoid The Five Biggest First-time Homebuyer Mistakes Mistake #1 Failure To Examine And Repair Any Credit Problems Prior To Applying For Your Loan Many potential new home buyers have no idea what

More information

HOME LOAN OPTIMISER. Call 6234 6400. Email info@lendme.net.au. Visit www.lendme.net.au HOW TO GET THE BEST OUT OF YOUR HOME LOAN

HOME LOAN OPTIMISER. Call 6234 6400. Email info@lendme.net.au. Visit www.lendme.net.au HOW TO GET THE BEST OUT OF YOUR HOME LOAN HOME LOAN OPTIMISER HOW TO GET THE BEST OUT OF YOUR HOME LOAN Visit www.lendme.net.au 2 3 CONTENTS Choose the right loan 3 Seek a mortgage broker to stay informed with competitive products 8 Maximize the

More information

lending Lending Advice.much more than just a Mortgage Broker

lending Lending Advice.much more than just a Mortgage Broker lending Lending Advice.much more than just a Mortgage Broker living a life well planned We rebate trail commissions it s our gift to you. We are very well known for our pioneering rebating of trail commission

More information

You won t find our home loans at a bank or through a broker.

You won t find our home loans at a bank or through a broker. You won t find our home loans at a bank or through a broker. Introducing Mortgageport We offer a range of specialist home loans designed to make it simpler and more affordable to turn your dream of building

More information

lending Lending Advice.much more than just a Mortgage Broker

lending 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 information

READY TO REFI? A SIMPLE GUIDE TO REFINANCING YOUR HOME

READY TO REFI? A SIMPLE GUIDE TO REFINANCING YOUR HOME READY TO REFI? A SIMPLE GUIDE TO REFINANCING YOUR HOME INTRODUCTION You ve had your home loan for a few years, but the rate you are currently paying is much higher than the near-historic low rates you

More information

PAGE 04/ ASSET FINANCE 06/ BRIDGING FINANCE 08/ DEVELOPMENT FINANCE

PAGE 04/ ASSET FINANCE 06/ BRIDGING FINANCE 08/ DEVELOPMENT FINANCE We understand PAGE 04/ ASSET FINANCE 06/ BRIDGING FINANCE 08/ DEVELOPMENT FINANCE WELCOME TO UNITED TRUST BANK is an established specialist lender providing a wide range of short to medium term secured

More information

Australian Credit Licence Number 392611 - A.C.N 140 178 383

Australian Credit Licence Number 392611 - A.C.N 140 178 383 Australian Credit Licence Number 392611 - A.C.N 140 178 383 WELCOME TO EZFINANCE We would like to introduce to you our company EZFinance, as a competent alternative option for your finance needs, we also

More information

Jade Education Award Story: Smart Loan Strategies Page 1. This is Jade.

Jade Education Award Story: Smart Loan Strategies Page 1. This is Jade. Jade Education Award Story: Smart Loan Strategies Page 1 This is Jade. Jade borrowed a lot of money to pay for her two degrees. She consolidated several smaller loans into one big one. She wants to use

More information

Borrowers Guide to Lending

Borrowers Guide to Lending Borrowers Guide to Lending Introduction The Borrowers Guide to Lending has been designed to assist consumers gain a better understanding on how the lending process works. The mortgage process can be confusing

More information

Refinancer Guide. Everything you need to know about refinancing your home loan

Refinancer Guide. Everything you need to know about refinancing your home loan Refinancer Guide Everything you need to know about refinancing your home loan If there s one financial product that has a key impact on our lives it s our home loan... It s good to know that today s home

More information

Your Mortgage Your Options. A home owners guide to refinancing a home loan

Your Mortgage Your Options. A home owners guide to refinancing a home loan Your Mortgage Your Options A home owners guide to refinancing a home loan CONTENTS Making the most of your mortgage 1 Refinancing to invest 3 Creating a better finance structure 5 Goal setting and key

More information

A finance guide for working life

A finance guide for working life A finance guide for working life Contents Introduction Planning your short, medium and long-term needs 3 4 Your needs - our solutions The freedom to enjoy your money Savings to help pay for the important

More information

Using Credit to Your Advantage

Using Credit to Your Advantage Hands on Banking Using Credit to Your Advantage Credit Reports, Credit Scores and Dealing with Debt The Hands on Banking program is a free public service provided by Wells Fargo. You may also access the

More information

We ll help make buying your first home easier

We ll help make buying your first home easier First Home Buyers We ll help make buying your first home easier First Home Buyer Award recognised in 2008 by CANNEX. 02 Buying your first home doesn t have to be complicated. We ll take the hassle out

More information

Your Personal Guide to Understanding Mortgage Financing Options for Small Business Owners and Entrepreneurs

Your Personal Guide to Understanding Mortgage Financing Options for Small Business Owners and Entrepreneurs Your Personal Guide to Understanding Mortgage Financing Options for Small Business Owners and Entrepreneurs By Travis Kulasekere, B.Comm Mortgage Consultant Self-Employment Specialist Phone: (403) 999-LEND

More information

Welcome to our Customer Newsletter. In this issue. Dear Customer. Thank you for reading our latest Customer Newsletter

Welcome to our Customer Newsletter. In this issue. Dear Customer. Thank you for reading our latest Customer Newsletter ffgeneral Friends First Life Customer Newsletter May. 2015 Welcome to our Customer Newsletter Dear Customer In this issue 10 Facts about Friends First and Achmea Thank you for reading our latest Customer

More information

Investing in mortgage schemes?

Investing in mortgage schemes? Investing in mortgage schemes? Independent guide for investors about unlisted mortgage schemes This guide is for you, whether you re an experienced investor or just starting out. Key tips from ASIC about

More information

The business now helps customers Australia wide. We assist customers with Residential, Business, Commercial and Chattel Mortgages, and also Leasing.

The business now helps customers Australia wide. We assist customers with Residential, Business, Commercial and Chattel Mortgages, and also Leasing. Priority Home Loans was established in 2001 by Bryan and Lorraine Coleman. Priority Home Loans has helped many people into new and established homes over that time. Our aim is to provide you with a professional

More information

Keeping Things Nice & Simple...

Keeping Things Nice & Simple... Keeping Things Nice & Simple... At Motordepot, it s all about you... We try to do things a little bit differently here at Motordepot. Every member of our team understands the importance of good old fashioned

More information

Why is a broker a better financial choice than going to my bank? Here are the first 18 reasons... www.mortgageaustralia.com.au

Why is a broker a better financial choice than going to my bank? Here are the first 18 reasons... www.mortgageaustralia.com.au Why is a broker a better financial choice than going to my bank? Here are the first 18 reasons... Reason #1 Choice = a cheaper loan for you The biggest advantage of a broker over a bank is choice. When

More information

How to Stop and Avoid Foreclosure in Today's Market

How to Stop and Avoid Foreclosure in Today's Market Solutions Home Buyers, Inc. 800-478-9213 ext. 700 SolutionsHomeBuyersFL.com How to Stop and Avoid Foreclosure in Today's Market This Guide Aims To Help You Navigate the foreclosure process [Type the company

More information

Want. to make. your. home. your. own? Find out if this could be the right time to consider buying. Your Right to Buy

Want. to make. your. home. your. own? Find out if this could be the right time to consider buying. Your Right to Buy Council or Housing Association tenants Want Your Right to Buy to make your home your own? Find out if this could be the right time to consider buying 1 Contents Why you might like to buy Why you might

More information

Love and loans. Connie agreed to guarantee a business loan for her son. How does being a guarantor work? How does being a co-borrower work?

Love and loans. Connie agreed to guarantee a business loan for her son. How does being a guarantor work? How does being a co-borrower work? Factsheet August 2011 Has a family member or friend ever asked you to be a co-borrower or to guarantee a loan for them? Before you agree to be a guarantor or co-borrower on a loan, think carefully you

More information

WHICH IS FOR ME? HOME LOANS MADE EASY

WHICH IS FOR ME? HOME LOANS MADE EASY WHICH IS FOR ME? HOME LOANS MADE EASY About this booklet At ING DIRECT, we try to make finding the right home loan as easy as possible. That s what this booklet is all about. All our home loans are described

More information

business loans? let s get to work

business loans? let s get to work business loans? let s get to work 2 we hear you Our versatile, award-winning loans have helped australian small and medium SIzed businesses grow. Liberty Financial is a recognised leader in financial services

More information

What Will Keep Me From Getting A Mortgage Right Now?

What Will Keep Me From Getting A Mortgage Right Now? What Will Keep Me From Getting A Mortgage Right Now? Why can t I get a mortgage? Why was my mortgage application denied? What s keeping me from getting a mortgage right now? Page 2 of 11 What Will Keep

More information

BORROWING. A guide to borrowing. Overdrafts, credit cards, loans

BORROWING. A guide to borrowing. Overdrafts, credit cards, loans BORROWING A guide to borrowing Overdrafts, credit cards, loans Three ways to borrow that can work for you All of us need a little extra help at times. So if you want to borrow money for a new car or kitchen

More information

HOME LOAN HOUSE. Are you a homeowner looking for a loan? If so, and you live in the UK, Home Loan House can help.

HOME LOAN HOUSE. Are you a homeowner looking for a loan? If so, and you live in the UK, Home Loan House can help. 1 Home loans + uk, house loan HOME LOAN HOUSE Are you a homeowner looking for a loan? If so, and you live in the UK, Home Loan House can help. We specialise in providing home loans for the things you desire

More information

The default rate leapt up because:

The default rate leapt up because: The financial crisis What led up to the crisis? Short-term interest rates were very low, starting as a policy by the federal reserve, and stayed low in 2000-2005 partly due to policy, partly to expanding

More information

Plan, Build, Enjoy! Everything you need to know about funding a new build or renovation

Plan, Build, Enjoy! Everything you need to know about funding a new build or renovation Plan, Build, Enjoy! Everything you need to know about funding a new build or renovation From foundations to fit out a construction loan can help you get there... Building a brand new home or completing

More information

We ll help you open the door.

We ll help you open the door. We ll help you open the door. The Citizens Guide to Home Financing Lori Customer Table of Contents Before you look 4 The costs of purchasing a home 4 Getting a head start: Pre-approval 6 Choosing a mortgage

More information

Foreclosure Prevention Guide

Foreclosure Prevention Guide Foreclosure Prevention Guide 8 Ways to Stop Your Foreclosure in Today s Challenging Economy About Foreclosure Foreclosure begins when a Homeowner is unable to make their mortgage payments on the scheduled

More information

Foreclosure Rescue. You Have Options! Inside: Powerful Strategies to Avoid Foreclosure. Are You at Risk of Losing Your Home in Foreclosure?

Foreclosure Rescue. You Have Options! Inside: Powerful Strategies to Avoid Foreclosure. Are You at Risk of Losing Your Home in Foreclosure? inside >>> The Foreclosure Process Your Options: - Negotiate a Loan Modification - Work out a Forbearance Plan - Obtain A Deed in Lieu of Foreclosure - Refinance Your House - File for Bankruptcy - Sell

More information

FHA Home Loans 101 An Easy Reference Guide

FHA Home Loans 101 An Easy Reference Guide FHA Home Loans 101 An Easy Reference Guide Updated for loans on or after January 26, 2015 Congratulations on Starting Your Journey to Home Ownership This guide offers a quick look at vital information

More information

Home and Investment Loans. Be ready to make your move.

Home and Investment Loans. Be ready to make your move. Home and Investment Loans Be ready to make your move. We ve got what you need to make things happen. Whether you re thinking of buying your first home, your next home, an investment property, switching

More information

A guide to releasing tax-free cash from your home. Age. Partnership. R e t i r e m e n t S p e c i a l i s t s

A guide to releasing tax-free cash from your home. Age. Partnership. R e t i r e m e n t S p e c i a l i s t s A guide to releasing tax-free cash from your home With equity release you can release tax-free money from your home with no monthly repayments to make. Thank you for your enquiry Thank you very much for

More information

PNC Financial Education FINANCIAL OPS. Banking Solutions for Military Personnel. Credit: Self study Guide

PNC Financial Education FINANCIAL OPS. Banking Solutions for Military Personnel. Credit: Self study Guide PNC Financial Education FINANCIAL OPS Banking Solutions for Military Personnel Credit: Self study Guide Revision Date: 11/2012 PNC Financial Education:FINANCIAL OPS Understanding Credit We all have financial

More information

A resource to help you get control over your debt. Remember you could be using the money you spend on interest on something else!

A resource to help you get control over your debt. Remember you could be using the money you spend on interest on something else! Deal with debt A resource to help you get control over your debt. Remember you could be using the money you spend on interest on something else! Information given is of a general nature only and does not

More information

Deutsche Bank UK Banks Conference 07 April 2011 Chris Lucas, Group Finance Director

Deutsche Bank UK Banks Conference 07 April 2011 Chris Lucas, Group Finance Director Deutsche Bank UK Banks Conference 07 April 2011 Chris Lucas, Group Finance Director Slide: Name Slide Thanks very much, it s a great pleasure to be here today and I d like to thank our hosts Deutsche Bank

More information

How to Cut Your Interest Rates

How to Cut Your Interest Rates 1 How to Cut Your Interest Rates 2 Table of Contents Contents Page Number Overview 3 Chapter 1: Unsecured Debt Consolidation Loans 4-6 Chapter 2: Mortgages 7 12 Chapter 3: Consumer Proposals 13 15 Chapter

More information

Allegiance Home Loans Pty Ltd Credit Representative Number: 397806 Trina Phillips Credit Representative Number: 400596

Allegiance Home Loans Pty Ltd Credit Representative Number: 397806 Trina Phillips Credit Representative Number: 400596 Credit Guide ABOUT US ( we, us, our ): Credit Representative Allegiance Home Loans Pty Ltd Credit Representative Number: 397806 Trina Phillips Credit Representative Number: 400596 Contact details: Allegiance

More information

Seeing you through refinancing

Seeing you through refinancing REFINANCING GUIDE Seeing you through refinancing hether you re moving home, renovating, or simply looking for a different home loan, refinancing doesn t need to be complicated. At QuickSelect we are interested

More information

WANT TO MAKE YOUR HOME YOUR OWN?

WANT TO MAKE YOUR HOME YOUR OWN? WANT TO MAKE YOUR HOME YOUR OWN? 1 Your Right to to Buy Buy FOR COUNCIL AND HOUSING ASSOCIATION TENANTS CONTENTS 3 Why you might like to buy 4 Do you have the Right to Buy? 6 What discount could you get?

More information

Financial Planning Growing a better future

Financial Planning Growing a better future To make an appointment with a Financial Planner: Go to hsbc.com.au/financialplanning Visit in branch Call 1300 308 008 All testimonials listed in this brochure are sourced from Sue, an HSBC financial planning

More information

WANT TO MAKE YOUR HOME YOUR OWN?

WANT TO MAKE YOUR HOME YOUR OWN? WANT TO MAKE YOUR HOME YOUR OWN? July 2015 1 Your Right to to Buy Buy FOR COUNCIL AND HOUSING ASSOCIATION TENANTS CONTENTS 3 Why you might like to buy 4 Do you have the Right to Buy? 6 What discount could

More information

Debt Solutions. A Fox Symes Publication

Debt Solutions. A Fox Symes Publication Debt Solutions A Fox Symes Publication Contents About Debt... 3 Where Do You Stand?... 3 What should I do?... 4 It looks like I might need help... 5 What are my options?... 5 Debt Agreement... 5 Personal

More information

The. Path. Refinancing. www.totalmortgage.com October. totalmortgage.com 877-868-2503

The. Path. Refinancing. www.totalmortgage.com October. totalmortgage.com 877-868-2503 The Path Refinancing totalmortgage.com 877-868-2503 www.totalmortgage.com October 1 2012 The Path Refinancing Over time, many things change and need adjustment, and the reality is your home financing is

More information

A better way your parents can help you into your first home.

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 information

Refinancing Your Home Guide

Refinancing Your Home Guide Refinancing Your Home Guide 2015 Edition Get the extra edge and find a better deal, with our Refinancing Your Home Guide Contents Introduction 4 What is Refinancing? 5 Changing Home Loans 5 Changing Needs

More information

www.businessoviso.co.uk 0333 321 0060 info@businessoviso.co.uk Key Person Insurance for you and your business Key Person Insurance

www.businessoviso.co.uk 0333 321 0060 info@businessoviso.co.uk Key Person Insurance for you and your business Key Person Insurance for you and your business 1 People are important in my business As a business owner you know what you need to make your business a success. Suitable premises, machinery and your computer systems may all

More information

Renewing and Renegotiating Your Mortgage

Renewing and Renegotiating Your Mortgage ABCs of Mortgages Series Renewing and Renegotiating Your Mortgage Smart mortgage decisions start here Table of Contents Overview 1 The renewal process 2 Renegotiating your mortgage agreement: breaking

More information

Other publications available from the Homeloan Guru:

Other publications available from the Homeloan Guru: Other publications available from the Homeloan Guru: The A-Z of Home Purchase Financing your Home Purchase A Guide to the Cost of Home Purchase Debt Consolidation, how does it work? Home Buyer s Checklist

More information

Equity Finance Mortgage (EFM)

Equity 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 information

AWARD REPORT. Fixed Rate Home Loans

AWARD REPORT. Fixed Rate Home Loans 2015 AWARD REPORT Fixed Rate Home Loans Fixed Rate Home Loans September 2015 Foreword To fix or not to fix: it s a question that many home buyers struggle with. On the one hand, locking in an interest

More information

Mortgage Broking Services

Mortgage Broking Services Mortgage Broking Services Page 2 2014 Buying property is not just about the dollars and cents, it is often a very emotional and exciting experience. There is no reason why your mortgage experience should

More information

Credit Repair Made Easy

Credit Repair Made Easy Credit Repair Made Easy A simple self help guide to credit repair By Don Troiano Introduction My name is Don Troiano and I spent over 15 years in the mortgage industry. Knowing how to guide customers in

More information

Personal Loans. Everything you need to get you moving.

Personal Loans. Everything you need to get you moving. Personal Loans Everything you need to get you moving. Start with Suncorp Bank If you ve found something you love, and you just can t wait to make it yours, a Suncorp Bank Personal Loan can help. Whether

More information

Save Thousands Save Years Save Yourself

Save Thousands Save Years Save Yourself Save Thousands Save Years Save Yourself 3 CONTENTS 4 MESSAGE FROM THE CEO. A bold new future 5 VISION and MISSION 7 MORTGAGE SUPPORT COMPANY CLIENT OUTCOMES 8 MORTGAGE PLANNING AT A GLANCE 10 YOUR HOME

More information

How to STOP Foreclosure

How to STOP Foreclosure 1 How to STOP Foreclosure A Free Report from KentuckySolutions.com Kentucky s Real Estate Problem Solvers (Press Control-P to Print) 2 Introduction As Local Investors experienced in the Kentucky foreclosure

More information

What Are My Options When My Home Is. Scheduled For A Sheriff Sale

What Are My Options When My Home Is. Scheduled For A Sheriff Sale What Are My Options When My Home Is Scheduled For A Sheriff Sale 1. What is a sheriff sale? Once the lender has a judgment in its foreclosure case against you, it can then order your home to be sold at

More information

Home and Investment Loans

Home and Investment Loans Head Office 117 Camberwell Road Hawthorn East VIC 3123 PO Box 338 Camberwell VIC 3124 Branch Office 687 Mt Alexander Road Moonee Ponds VIC 3039 PO Box 210 Moonee Ponds VIC 3039 victeach.com.au 1300 654

More information

VA LOANS. things you absolutely. need to know about. From chris birk, Home Loans. our national VA Loan expert and author of The Book on VA Loans

VA LOANS. things you absolutely. need to know about. From chris birk, Home Loans. our national VA Loan expert and author of The Book on VA Loans things you absolutely need to know about VA LOANS From chris birk, our national VA Loan expert and author of The Book on VA Loans Home Loans Veterans United Home Loans NMLS ID #1907 (www.nmlsconsumeraccess.org).

More information

Debt Freedom. Primerica Canada Debt Freedom System

Debt Freedom. Primerica Canada Debt Freedom System Debt Freedom Primerica Canada Debt Freedom System To receive a SMART Loan referral fee, the new associate must introduce the client to the certified field trainer to make the referral. New associates must

More information

How Much Is Your Credit Score Costing You?

How Much Is Your Credit Score Costing You? How Much Is Your Credit Score Costing You? In the past, the credit report was instrumental in determining whether a consumer had the ability to purchase big-ticket items such as homes, cars, and appliances.

More information

Step 1: Decide to Buy

Step 1: Decide to Buy Step 1: Decide to Buy Do you really want to pay someone else's mortgage? If you re renting and have a stable job with some savings, and a credit score in the high 600 range, you can likely qualify for

More information

After Bankruptcy: What You Need to Know

After Bankruptcy: What You Need to Know After Bankruptcy: What You Need to Know The Path to Creditworthiness Bankruptcy offers some resolution to your financial worries. However, it also carries negative consequences and major responsibilities

More information

Your Step-by-Step Mortgage Guide. From Application to Closing

Your Step-by-Step Mortgage Guide. From Application to Closing Your Step-by-Step Mortgage Guide From Application to Closing Table of Contents In this guide, you will learn about one of the most important steps in the homebuying process obtaining a mortgage. The materials

More information

Getting a Difficult Business Loan Is Easy

Getting a Difficult Business Loan Is Easy Getting a Difficult Business Loan Is Easy Learn How Easy IT Is To Get a Business Loan Even IF You Have Bad Credit And Have Been Turned Down Before Every Winner Has A Coach! John P Fazzio, Your Coach www.winning-advantage.com

More information

WHAT IS REFINANCING? WHY REFINANCE?

WHAT IS REFINANCING? WHY REFINANCE? REFINANCING This fact sheet is for information only. It is recommended that you get legal advice about your situation. WHAT IS REFINANCING? Refinancing is simply replacing a loan you already have with

More information

Which Home Loan? ACN 122896477 Australian Credit Licence Number 385888

Which Home Loan? ACN 122896477 Australian Credit Licence Number 385888 Which Home Loan? Finconnect (Australia) Pty Ltd Level 19, 1 Alfred Street, Sydney NSW 2001 T: 1300 650 431 F: (02) 9241 7342 E: lending@finconnect.com.au www.finconnect.com.au ACN 122896477 Australian

More information

Your home financing process checklist

Your home financing process checklist Darrin R Van Loo Home Mortgage Consultant Phone: 231-439-1119 Cell: 231-675-5833 Fax: 866-443-0471 3890 Charlevoix Ave, Suite 360 Petoskey, MI 49770 www.wfhm.com/wfhm/darrin-vanloo/index.page darrin.r.vanloo@wellsfargo.com

More information

Chapter 1 The Financial Assessment

Chapter 1 The Financial Assessment Chapter 1 The Financial Assessment 64 P leasant S treet P hon e: ( 415) 830-52 44 Copyright 2007-2009 Harrison Lazarus Advisors, Inc. All Rights Reserved Page 1 of 15 It doesn t matter where you are in

More information

Declaring Personal Bankruptcy

Declaring Personal Bankruptcy Declaring Personal Bankruptcy DECLARING PERSONAL BANKRUPTCY A declaration of personal bankruptcy doesn t carry the stigma it once did but it is, nonetheless, an admission that one is no longer able to

More information

Mortgage Secrets. What the banks don t want you to know.

Mortgage Secrets. What the banks don t want you to know. Mortgage Secrets What the banks don t want you to know. Copyright Notice: Copyright 2006 - All Rights Reserved Contents may not be shared or transmitted in any form, so don t even think about it. Trust

More information

Understanding Credit BY Sallie Mae and FICO

Understanding Credit BY Sallie Mae and FICO Understanding Credit BY Sallie Mae and FICO Lisa Mitchell, Sallie Mae Brad Riebel, Sallie Mae April 2015 Session Focus Overview FICO and Sallie Mae partnership on ways to help students understand why credit

More information

INVESTING IN MORTGAGE FUNDS?

INVESTING IN MORTGAGE FUNDS? INVESTING IN MORTGAGE FUNDS? Independent guide for investors about unlisted mortgage funds Mortgage funds can also be called mortgage trusts or mortgage schemes. About ASIC The Australian Securities and

More information

Loans for just about everything

Loans for just about everything Bankwest s Loans for just about everything I could use a holiday. Happy Banking What do you need money for? Are you thinking about a new car or starting home renovations? Perhaps a holiday on a tropical

More information

WESTPAC FLEXI LOAN. You call the shots.

WESTPAC FLEXI LOAN. You call the shots. WESTPAC FLEXI LOAN You call the shots. Westpac Flexi Loan at a glance. Apply in as little as 15 minutes Get a response in under 60 seconds 1 Choice of flexible s Make withdrawals at any time up to your

More information