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Michelle Kour's Blog
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Untagged	19 Aug 2008 12:00 AM
Investing In Property and looking for an investment loan by Michelle Kour	Comment (0)

Why invest and why take out an investment loan?

People’s needs for investment are as varied as the investment vehicles themselves. Some want to own their home outright, pay the kids’ university fees, or take world trips; while others want to start their own business or retire on a comfortable income.

The reality for most of us is that we won’t be able to afford these things on our salary alone

mortgage, investment loan	19 Aug 2008 12:00 AM
Direct Investment in property in Australia through a good investment loan by Michelle Kour	Comment (0)

An investment property is becoming a more popular choice for those seeking to create a revenue stream and also achieve capital growth through the investment property value increasing over time.

This can also be part of a strategic financial plan and should be considered by investors as part of a diversified portfolio. When considering an investment purchase you should also source the best

mortgage, investment loan	19 Aug 2008 12:00 AM
My little nest egg – an investment loan helps me secure my investment property in Australia by Michelle Kour	Comment (0)

I recently decided the time was right to utilise some surplus cash I had available and began looking to purchase an investment property. Whilst it would have been easy to just dive in and find something that I could afford regardless of the location or potential growth, I thought it best to do some research knowing that my investment property was more than likely going to be a long term property

mortgage, debt consolidation	12 Aug 2008 12:00 AM
Guide to Debt Consolidation by Michelle Kour	Comment (0)

Australia’s borrowing at an all-time high, with each member of the population having an average debt of around $50,000 – twice the level of five years ago. Thankfully, total personal assets have also risen, drawn up by substantial rises in house prices, superannuation and the share market.

Nevertheless, with ever-increasing levels of household debt it's no wonder that debt consolidation personal

mortgage, debt consolidation	12 Aug 2008 12:00 AM
Drowning in Debt! Why not think about debt consolidation? by Michelle Kour	Comment (0)

A few years back prior to buying my first home, I bought my first car and also at around the same time applied for my first credit card. Whilst this was my only alternative at the time due to a lack of savings, it wasn’t such a big deal as it was my only financial commitment. Things have now changed and with the rising home loan interest rates, I have suddenly found my overall level of monthly

mortgage, debt consolidation	12 Aug 2008 12:00 AM
DEBT CONSOLIDATION IN AUSTRALIA by Michelle Kour	Comment (0)

With ever-increasing levels of household debt it's no wonder that debt consolidations are gaining popularity. Debt consolidation is a real option for most borrowers regardless of their circumstances in that interest rates on personal loans, car leases or other unsecured debt is always higher that that payable on a mortgage secured over real estate. Most borrowers however only consider debt

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

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