Bad Credit Home Loans | Non Conforming Loans

Home Loan Declined after Pre-Approval?

Where do I go if my Home Loan is Declined after Pre-Approval? Fortunately, there are non conforming lenders and credit providers who offer home loans to people who have been declined by mainstream lenders. Non conforming borrowers are also people who may have been previously rejected for a home loan for a number of reasons such as bad credit history, bankruptcy or unusual incomes (more information on non conforming areas below). Banks are normally quite reluctant to approve mortgages [...]

Home Loan Declined after Pre-Approval?Ray Ethell2023-06-12T12:30:27+10:00

95% Mortgages for Discharged Bankrupts

Can I get a 95% Mortgage if I am a Discharged Bankrupt? “If you’re discharged from bankrupt now or ever have been, there’s no way you can ever own your own home.” This has long been the belief of the greater public and we have the media, the big lenders to thank for it. With bankruptcy on the rise in Australia, along with bad credit, any wonder there are so many people around, feeling completely helpless when it comes [...]

95% Mortgages for Discharged BankruptsRay Ethell2023-06-12T12:37:05+10:00

How to Get Rid of Your Credit Card Debt with a Debt Consolidation Loan

Take Control of Your Finances with a Debt Consolidation Loan There is a type of financing arrangement that is extended to people who have multiple debts, allowing them to consolidate (or combine) all of their debts into "one" new loan. A Debt Consolidation Loan can be used to consolidate various types of personal debts however, the most common debt people experience is credit card debt. These people also hold multiple credit cards and they struggle with making their minimum monthly payments. [...]

How to Get Rid of Your Credit Card Debt with a Debt Consolidation LoanRay Ethell2023-06-12T12:42:47+10:00

What are Your Ramifications of Participating in a Formal Debt Agreement?

What is a Formal Debt Agreement? Participating in a formal financial obligation agreement can be one of the most effective methods for many people to handle debt that is unmanageable. Nevertheless, before becoming part of these sort of contracts, it is crucial to recognize exactly how they work so that you can manage your expectations and guarantee that it goes as intended. Part 9 Debt Agreements or the Part IX Debt arrangement is usually a binding contract in between the debtor [...]

What are Your Ramifications of Participating in a Formal Debt Agreement?Ray Ethell2023-06-28T10:11:26+10:00

Where to Apply for a Bankruptcy Home Loan in Australia

Bankruptcy Home Loan for Ex Bankrupts in Australia If you filed for bankruptcy, because, you were advised to do so by a business person such as a solicitor, you may have realised that Bankruptcy can stay on your credit file for up to 5 years. Bankruptcy can come back to haunt you when you are trying to get a home loan or refinance your existing loan from one of the major banks. But, do not worry if you are [...]

Where to Apply for a Bankruptcy Home Loan in AustraliaRay Ethell2023-06-28T10:38:22+10:00

Tips for improving your Credit Score before getting a Home Loan

How to improve your credit score before you apply for a home loan Here is a list of some quick tips to help you get the best possible credit score. While there is no guarantee that all of these options will immediately boost your credit score, they may help you establish habits that will strengthen your credit score. Lenders/credit both Prime and Non Conforming Lenders will want to see that you can repay a home loan on time so [...]

Tips for improving your Credit Score before getting a Home LoanRay Ethell2023-06-28T10:57:10+10:00

3 Things To Look out for With An Equity Release Mortgage

Are you looking for a way to fund your kids' college education? Do you imagine taking the holiday of a lifetime? Would you like to buy a brand-new car and possibly be able to deduct the interest from your federal taxes? Would you like cash for house improvements? Perhaps you are interested in having a method to buy your new dream house while your present home is still on the market waiting to be offered? You are probably believing [...]

3 Things To Look out for With An Equity Release MortgageRay Ethell2023-06-28T11:05:46+10:00

Manage your Debts by Refinancing your Current Home Loan

Refinancing Your Home Loan can Help you take Control of your Finances Are your debts getting out of hand and you want to take control of your finances? If you have answered yes, you should consider the possibility of refinancing your current home loan and combining your multiple debts with a debt consolidation home loan (e.g. credit cards and other personal loans) into one home loan. How does the process of Refinancing My Home Loan to Consolidate My Debts [...]

Manage your Debts by Refinancing your Current Home LoanRay Ethell2023-06-28T11:15:05+10:00

20 Effective Debt Consolidation Loans Tips with Bad Credit

Debt Consolidation Loans With the advent of COVID many Australians have been struggling with debt. Debt comes in many forms, there are previous loan installments, bills, payments and obligations that have piled up and end up becoming debt. One of the best ways to get out of the vicious cycle of debt can be by taking a debt consolidation loan. If you‘re considering a debt consolidation loan as a path forward, here are our expert tips for debt consolidation, [...]

20 Effective Debt Consolidation Loans Tips with Bad CreditRay Ethell2023-06-28T11:35:18+10:00

What is debt consolidation loan and what are the advantages of debt consolidation loan?

What are the advantages of a debt consolidation loan? A Debt Consolidation Loan can be a way to make the payment of your debts easier to manage. Instead of making several monthly minimum payments in various accounts, this payment strategy involves obtaining a new loan to combine and cover your other loans or debts. Then you can pay all your debts with a monthly payment. It is a great solution to reduce the amount to be paid monthly, although [...]

What is debt consolidation loan and what are the advantages of debt consolidation loan?Ray Ethell2023-06-28T11:46:28+10:00