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Vicky Edema's Blog
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boat loan, auto loan	19 Sep 2008 12:00 AM
Looking for a boat loan or an auto loan? Check the market before committing to finance by Vicky Edema

When you are in the market to purchase a new car or boat, you are generally pretty excited about the prospect, and often to speed up the process will take up the auto loan or boat loan offered by the dealer with whom you are negotiating. As a general rule this will not be the best available auto loan or boat loan and you will invariably save yourself a lot of money if you take a little extra time

boat loan, auto loan	19 Sep 2008 12:00 AM
Boat loan? Auto Loan? Caravan Loan? There is a heap of choice out there! by Vicky Edema

I was recently looking to buy a new car (with a tow bar) so that it could tow either the new boat or caravan I was also hoping to purchase. I did not have enough cash to buy outright so checked out the availability of an auto loan as well as a boat loan and caravan finance.

Initially I had expected that an auto loan from the car dealership and the boat and caravan retailers would be the most

investment loan, debt consolidation	19 Sep 2008 12:00 AM
What the best investment loan should offer you Part 2 by Vicky Edema

As discussed in Part I there are many astute property and share investors in Australia who often fail to ensure that the investment loan they take offers the best available features and most tax efficient investment loan structure for them.

When considering an investment loan you should ensure that you maximise your investment loan and that the interest rate is competitive (but not necessarily

mortgage rates	19 Sep 2008 12:00 AM
Looking for a boat loan? Make sure you know the “ins and outs” of boat loan finance by Vicky Edema

Boat loans are generally sought to purchase a boat for either personal or commercial purposes. Just like an auto loan, a boat loan can be structured to meet your particular cash flow. The average boat in Australia costs around $20,000 – although you can get started for a lot less than this – a boat loan for $2500 can get you into a $3000 aluminium runabout which can give you hours of delight (and

mortgage, investment loan	4 Sep 2008 12:00 AM
A good investment loan can make a good investment better by Vicky Edema

If you have a home loan but also equity in your home property and are wanting to purchase an investment property to build wealth, then it is important to research the investment loan market to make sure that you apply for an investment loan that really works for you. When you apply for an investment loan, most lenders will simply offer you their standard term investment loan. Quite often they

first home buyer	4 Mar 2008 12:00 AM
So… you are in the market to purchase your first home by Vicky Edema

Many first home buyers are both excited and daunted by the prospect of purchasing their first home property in Australia. Like everything else though, it is not such a difficult process provided you do your research and make use of professional and experienced people along the way. Purchasing your first home will be your biggest financial transaction to date – it’s much more important that

refinance, mortgage rates, mortgage	3 Feb 2008 12:00 AM
Why Refinance? by Vicky Edema

Should I finance in the current interest rate environment?

The number of borrowers looking to refinance their home loans has increased over the past six months because of the uncertainty of interest rates in Australia. Currently the Reserve Banks' Official Cash Rate (OCR) is at an 11 year high. Interest rates have increased in Australia for both international and national reasons, and all

refinance, mortgage rates, mortgage calculator, mortgage, loan calculator	21 Jan 2008 12:00 AM
To Refinance or Not to Refinance …That is the question by Vicky Edema

There is supposedly a lot of refinancing of home loans going on at the moment mainly prompted by early media reports on the claims by banks that they were some how unaffected by rising interest rates resulting from the credit squeeze in the US.

The banks’ initial claims that they had little if any exposure to the problems in the US resulted in borrowers perceiving them to be a safer bet on

Untagged	10 Jan 2008 12:00 AM
The benefits of using Repayment mortgage calculator and payment analyser calculator by Vicky Edema

A mortgage calculator is a great help when someone needs to find out how much he can borrow. This is quite often is a complex and at times daunting task for a lot of people as they do not always know what criteria the lender applies when calculating serviceability. Another mortgage calculator that is often worthwhile checking out is the comparison mortgage calculator – this is invaluable when

refinance, mortgage rates, mortgage calculator, mortgage, loan calculator	8 Jan 2008 12:00 AM
Mortgage Rates Stress by Vicky Edema

The number of households suffering "mortgage rates stress" may double within six to 12 months - sending tens of thousands bankrupt – as all lenders are forced to increase mortgage rates in response to the global credit crisis.

Mortgage rates are predicted to jump by as much as 1 percentage point on some loans and up to 20 basis points on most standard mortgages.

This is on top of any movements by

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