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refinance, mortgage	8 Apr 2008 12:00 AM
Refinance to reduce mortgage stress by Michelle Kour	Comment (0)

A record number of Australians will suffer mortgage stress and will face difficulty in paying their mortgages this year with a percentage of those risking repossession of their homes. A refinance of your loan may be an option that will assist in relieving this stress. As a matter of course you should review your home loan terms and conditions each year to check that they are the most suitable for

refinance, mortgage	8 Apr 2008 12:00 AM
Common reasons why people refinance by Michelle Kour	Comment (0)

People refinance by moving to another loan but on new terms. Mortgage refinancing is something which can also enable a borrower to borrow more money to consolidate debts or for other purposes taken that they can afford to meet the repayments on the larger loan amount.

Here are some of the common reasons why people refinance:

1. To save money

2. To refinance to a lower monthly repayment – this is

refinance, mortgage	8 Apr 2008 12:00 AM
What is a refinance and what do I need to consider when thinking of a refinance? by Michelle Kour	Comment (0)

A refinance is the process whereby you repay your existing home loan by taking out a new loan. When they refinance borrowers take out a new loan to completely pay out early and thus replace their existing/previous loan.

With home loans being the most significant financial commitment of a lifetime for a lot of people, and with home loans rates being on the move, a lot of borrowers start

refinance, mortgage	8 Apr 2008 12:00 AM
SHOULD YOU REFINANCE YOUR LOAN? by Michelle Kour	Comment (0)

As the global credit crisis continues to play havoc with interest rates in Australia many borrowers are scurrying for relief by seeking to refinance their home and investment loans.

However this refinance strategy does not always achieve its objective and borrowers can often be left in a worse position than that which was the status quo.

It is important that proper research be conducted before a

refinance, mortgage	8 Apr 2008 12:00 AM
Refinance – I took the plunge! by Michelle Kour	Comment (0)

Recently, I embarked on a household budget plan. I began in the usual manner such as accounting for daily, weekly, monthly and to a lesser extent annual expenses and how I could save a ‘buck’ or two or even just trim costs by changing my payment methods. What amazed me the most about my strategic plan was that once I had listed what I thought were my main expense items, I had overlooked the most

refinance, mortgage	8 Apr 2008 12:00 AM
When would I refinance my Mortgage? by Michelle Kour	Comment (1)

Whenever it makes financial sense to do so.

Mortgage Refinancing? In the past, most people who took out a Mortgage continued with it until they had paid it off. These days, people refinance their Mortgage much more frequently. The average duration of a Home Loan in Australia now is just 4-5 years. Here we look at some of the reasons people in Australia refinance their Home Loan.

Mortgage

refinance, mortgage	8 Apr 2008 12:00 AM
Refinance – not always the right decision by Michelle Kour	Comment (0)

Many borrowers in Australia are experiencing mortgage stress for the first time because of the increase in interest rates over the last 2 years. When rates are increasing borrowers often consider a refinance of their existing mortgage because they see lower rates advertised in the newspapers and on TV. The fact is that all lenders obtain funds form much the same sources and certainly the majority

mortgage broker, mortgage	27 Mar 2008 12:00 AM
A good mortgage broker can be of great help to you with your mortgage application by Michelle Kour	Comment (0)

The mortgage financial market now offers such a great variety of mortgage options and products that it becomes really vital for potential borrowers to prepare themselves, do some research, obtain some general knowledge about just what is involved in applying for a mortgage in NSW and Australia, and what one can do to ensure a prompt and positive outcome.

If NSW based potential borrowers do not

mortgage broker, mortgage	27 Mar 2008 12:00 AM
Mortgage Broker – What you should look for by Michelle Kour	Comment (0)

A mortgage broker, we all know what they do….don’t we? How much do we really know about the role of a mortgage broker and what we should look for when seeking the services of a mortgage broker? Whilst we may understand the basic functionality of a mortgage broker, what should we really know about them before engaging in a relationship with a mortgage broker? In other words, as it would apply to

mortgage broker, mortgage	27 Mar 2008 12:00 AM
Good mortgage brokers do it differently. by Michelle Kour	Comment (0)

As we are all aware there are thousands of mortgage brokers operating in NSW and Australia wide, all of whom offer access to a good range of mortgage products. Most mortgage brokers are accredited and trained to discuss with you the features and costs of a number of mortgage facilities and their aim is to help you select the most suitable loan product for your purposes.

A good mortgage broker

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