A creditor is someone that is owed money. A secured creditor is someone who is owed money and has taken some sort of security for that loan....
Just wondering how existing debt from a joint investment loan with my wife is counted when assessing my borrowing capacity. Is it all counted or...
Hello all, i have decided to leave our property after separation and i will need to sign discharge papers to remove myself from our mortgage as my...
i am in my annual "winter/summer" break at the northern hemisphere, and seen an interesting ad: "Buy now, and any further increase in rates is on...
I have paid off my mortgage with CBA bank. I am thinking about closing the homeloan account, but NOT discharge the mortgage (i.e. safer to keep...
I'm considering neo-lenders like Unloan or Tic Toc, and although each of them are backed by a bank, the recent collapse of other neo-banks suggest...
Why ‘uneconomic’ mortgages are forcing a rethink at the big banks About 15 years ago, returns on a mortgage were as high as 30 per cent. But that...
As a property specialist with decades of experience I'm looking to open up discussions and improve general understanding around NSW property...
We only have a couple of thousand left in one of our mortgages and we want to pay it out. Is there a good time to do this? We have removed all the...
Do lenders generally avoid residential property borrowers who have ATO payment plan / have previously arranged an ATO payment plan? Interested...
Scenario - you buy a property and grant a mortgage on that property (ie as security for the loan) to the lender. If you then subdivide the...
Hi all I am a director of a small company which is currently breaking even and has about $2M debt secured against $3.5M assets. The most recent...
My sis has 2 properties and I'm encouraging her to go for #3. They both work and would have further borrowing capacity. 1. IP: Val $900k, loan...
As titled, who offers mortgages to folks close to 70 who doesn't speak an ounce of English, with no local credit history, Australian-based assets...
Our broker has recommended using Connective Select. Does anyone have any more information on them or past experience using them?
Hi Guys. I am trying to get a monthly loan/mortgage calculator that takes into account funds in an offset account. By using the PMT on the total...
Hi all, Have hit a bit of a snag on a 1 into 2 build I'm doing that I want to keep at the end. Property has been demolished, build contracts...
Hi all Joining this great forum! Mortgage broker from Melbourne South East. Very excited to Learn / Share & Help each other! Regards Chad.
Does anybody who has been through a bankruptcy have any tips I can share with somebody who is just about to go through it? They live in an...
These past three months I've been hit with some unexpected medical bills (several issues happening at once coincidentally). I don't foresee these...
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