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Don't borrow to much. For first home buyers, purchasing their first home is an exciting experience and one that should be enjoyed. Dont turn it into a night mare buy borrowing to much. Regardless of how much the banks will try and give you keep things in perspective, think about how you will a\manage the repayments if you deceide to start a family and only have one income. Can you still afford to go out for a meal every now and then without breaking the bank. I have completed refinances for numerous clients who had the best house in the street and a mortgage to match but couldnt afford to go out for just a basic meal, this isnt a good way to live. So whilst we all want a castle so of us can afford smaller castles and some bigger, but please keep it within you comfort zone. For impartial advvice call Mark Wehse Home Loans today.
How to select a good Mortgage Broker With Mortgage Brokers now writing more than 30% of all home loans in Australia and growing, there are some brokers with questionable ethics. The following information will assist you in selecting a Mortgage Broker that has your best interest at heart, not theirs. The first step is to ask questions, find out from the broker how long they have been involved in the finance industry, ask them how many loans they write on average per month and if they can provide references from clients that they have completed loans for. You should also ask how many lenders they have access to, as this can be a good guide to their impartiality when providing you with advice. If a broker only has access to one or two lenders you would have to ask how impartial their advice is. Some real eastate companies are owned by major banks and have set up their own mortgage broking arms,as previously mentioned if you are being refered to the lender that owns the company you should compare thoroughly the advice and products being offerd. If the broker you are considering using has any concerns about about answering any of the above questions, you should consider going elsewhere. A good Mortgage Broker will be only to pleased to answer the above questions and offer references from past and current clients. Mark Wehse Home Loans prides it's self on the number of referrals we receive from existing clients. In summary when selecting your Motgage Broker ask questions, investigate some products prior to your appointment, ask for references from other clients, should the broker have any hesitation in answering your questions terminate the interveiw and go elsewhere. Moving your loan from one lender to another is expensive, by doing it right the first time and select a good broker even if they do charge a fee and generally speaking YOU WILL SAVE MONEY!!!. Do some home work and select a Good Mortgage Broker, it will be time well spent. Please take a few moments to veiw our testimonials, we are proud of what our clients say and the service standards we offer. After being involved in the finance industry for over 21years, our goal at Mark Wehse Home Loans is to ensure you get a home loan that meets your current, ongoing and forseeable lifestyle changes. Mark Wehse Home Loans "Giving Options Not Obstacles". First Home Owners Grant (FHOG) When you apply for your loan through Mark Wehse Home Loans, we will assist you in completing the FHOG application form and lodge your grant application with your chosen lender. We will also answer any questions that you may have regarding the grant. The First Home Owners Grant was introduced in line with the introduction of the Goods and Services Tax (GST), to assist first homebuyers cover the increase in costs associated with the purchase of their first home as a result of the introduction of GST. Initially the grant was for $7,000 regardless of whether you were building or buying an existing property, this was later changed to $14,000 to build and then later reduced to $10,000. A further change saw the grant increased to$14000.00 and if your building $21000.00 plus stamp duty assistance this ceased on the 31st September 2009. From the 1st October 2009 until the 31st December 2009 the grant has been reduced to $10,500.00 for the purchase of an existing home and $14,000.00 for the purchase of building of a new home. From the 1st January 2010 the grant will revert to $7000.00 regardless of whether you purchase a new home or buy an existing property. As a first home buyer there has never been a better time to get off the rental roundabout. When we have lodged your grant application the lender will be advised of your grant approval and the funds from the grant will be disbursed at settlement. Please ensure when completing the grant application all questions are answered correctly as there are severe penalties for false or misleading information. For more information contact Mark Wehse Home Loans " The trusted name in home finance" We hope this information is of assistance. |
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 Submit a Pre-Approval Form to see if you are eligible for a loan    PropertypointProperty AustraliaReal Estate |
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