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WHY DO BANKS TAKE SO LONG AT CHRISTMAS TO APPROVE LOANS?

WHY DO BANKS TAKE SO LONG AT CHRISTMAS TO APPROVE LOANS?

blogBy Pat Cranshaw - North Brisbane Home Loans02/12/2015Leave a comment

Why Do Banks Take So Long At Christmas To Approve Loans? Some people including real estate agents seem disturbed when we tell our clients this time of the year to seek a longer than normal finance clause on any proposed property purchase. Why is this? Basically the banks get smashed with applications leading into December.…

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WHY DO BANKS TAKE SO LONG AT CHRISTMAS TO APPROVE LOANS?

WHY AN ENGAGEMENT RING WAS A DEAL BREAKER

blogBy Pat Cranshaw - North Brisbane Home Loans02/12/2015Leave a comment

  What Not to Do Before You Buy Your Next Home Picture this – newly wedded couple, buying their first home. We had discussed getting a pre-approval and they were coming back to complete the application however they found a home in the interim and were keen to buy it. So we submitted a loan…

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MAKING BUSINESS EASIER FOR SELF-EMPLOYED

MAKING BUSINESS EASIER FOR THE SELF-EMPLOYED

blogBy Pat Cranshaw - North Brisbane Home Loans25/11/2015Leave a comment

Making Business Easier For The Self-employed Running a small business can be challenging enough, without the worry of managing finances or sourcing additional working capital. I saw some recent statistics at a lender roadshow recently which has seen a dramatic fall in the number of low documentation loans being written by the major banks. Like…

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NEED TO PAY OFF ALL MY OTHER EXPENSES BEFORE APPLY HOME LOAN?

I NEED TO PAY OFF ALL MY OTHER EXPENSES BEFORE I CAN APPLY FOR A HOME LOAN?

blogBy Pat Cranshaw - North Brisbane Home Loans25/11/2015Leave a comment

  I Need To Pay Off All My Other Expenses Before I Can Apply For A Home Loan? This is a first home buyer myth. And it’s not true! You can still secure a home loan if you have an existing student study debt, or a car loan. When a lender is assessing your ability…

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What costs are there when I buy my first home?

What costs are there when I buy my first home?

blogBy Pat Cranshaw - North Brisbane Home Loans25/11/2015Leave a comment

What costs are there when I buy my first home? When buying your first home, you need to allow for additional costs that are over and above your deposit. Your deposit is there to provide the bank the comfort you have “some $$ in the game” or hurt money as some people call it. So…

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What costs are there when I buy my first home?

Are you settling for second best?

blogBy Pat Cranshaw - North Brisbane Home Loans25/11/2015Leave a comment

Are You Settling for Second Best? When looking for a home loan – it is normal to want to get the best rate possible on your mortgage. With many lenders now all chasing owner-occupied lending as opposed to investment lending due to recent APRA changes, it has become very competitive. If you are in the…

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WHAT DEPOSIT DO I NEED IF I AM A FIRST HOME BUYER?

WHAT DEPOSIT DO I NEED IF I AM A FIRST HOME BUYER?

blogBy Pat Cranshaw - North Brisbane Home Loans25/11/2015Leave a comment

What Deposit Do I Need If I am a First Home Buyer? We have had heaps of calls recently from first home buyers wanting to get out of the rental market and into a home of their own. The biggest hurdle most of them are faced with is how to come up with the deposit.…

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3 Credit Score of Lending

THE 3 C’S OF LENDING

blogBy Pat Cranshaw - North Brisbane Home Loans24/11/2015Leave a comment

Collateral, Capacity, and Character When I first started in lending many years ago – these were the pillars of any lending assessment made by a bank. And it has not changed. COLLATERAL Deposit – or how much skin have you got in the game? Harder to please when you have less than a 20% deposit.…

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NEED TO REFINANCE YOUR HOME LOAN?

DO YOU NEED TO REFINANCE YOUR HOME LOAN?

blogBy Pat Cranshaw - North Brisbane Home Loans14/09/2015Leave a comment

Do You Need to Refinance Your Home Loan If you’ve only taken out your home loan in the last few years, refinancing is probably the last thing on your mind. But having a set-and-forget attitude to your home loan is not ideal! Leaving your home loan unchanged for its entire term could mean you miss…

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CAN I USE FAMILY AS A GUARANTEE?

CAN I USE FAMILY AS A GUARANTEE?

blogBy Pat Cranshaw - North Brisbane Home Loans02/06/2015Leave a comment

With increasing property prices, and also the required 20% deposit to avoid mortgage insurance some young people are looking to the family for assistance to buy their first home. After all, it can take some time to save as well as pay rent. Normally a 5% deposit would be minimum to get into a property…

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At North Brisbane Home Loans, our award winning team of mortgage broker in Brisbane, QLD strongly believe that loan products should be clear to understand, easy to access, and provide you with peace of mind.

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