When was you last home loan health check?

  • Posted by alohaloans_admin
  • On December 10, 2017
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Circumstances can change, leaving your home loan less suitable than it was originally. A home loan health check can reveal if you’re paying too much. What’s involved?  Your finance broker can do a full home loan health check for you either in person or over the phone. They will check if your loan is still competitive and still suited to your individual needs. Having an expert do this for […]

How do lenders assess applications?

  • Posted by alohaloans_admin
  • On December 10, 2017
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The Finance Broker Advantage Brokers can help connect you to the lender better fit to serve your mortgage needs by shopping around on your behalf. In order to decide whether or not to provide you with a loan, lenders will generally assess you against five qualities. Your ability to repay the loan. To establish your […]

The Secret to Avoiding a Loan Default

  • Posted by alohaloans_admin
  • On December 10, 2017
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How to avoid a loan default Late payments and loan defaults leave marks on a credit history that can complicate any effort to refinance or secure a loan in the future. Default can also lead to a home being repossessed and sold by the lender, so it’s very important to act quickly to avoid it. […]

What Comes First: the Property or the Loan?

  • Posted by alohaloans_admin
  • On December 10, 2017
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The significance of sorting out your finances It’s easy to get carried away with the fun part of buying a property – looking at houses – but delaying the less compelling task of arranging finance will weaken your negotiating position on both the property and the loan. Looking for a property to purchase is an […]

The Added Cost of Purchasing Property

  • Posted by alohaloans_admin
  • On December 10, 2017
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What are the additional costs when purchasing a property? Buying a property carries more costs than just the purchase price. In addition to moving costs, council rates, strata fees, renovations and furniture, homebuyers face additional fees to complete their property purchase. Stamp duty Stamp duty must be paid in order for mortgage documents to be […]

How to Successfully Obtain a Loan for an Investment Property

  • Posted by alohaloans_admin
  • On November 20, 2017
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  Steps to Obtaining a Loan for an Investment Property    Step 1: Speak to Aloha Loans When considering an investment property, your first port of call should be your finance broker.  The first thing we will do is to review your income, assets and liabilities to determine how much you can borrow, which will […]

Investment Lending Caps

  • Posted by alohaloans_admin
  • On November 2, 2017
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  What are investment lending caps? In late 2014 the Australian Prudential Regulation Authority (APRA) attempted to curb the high competition in the Australian housing market, that locked out many first home buyers, by keeping a close eye on a suite of concerns, including the levels of residential lending to investors. APRA’s communications at this […]

Lenders Mortgage Insurance: Buying Without a 20% Deposit

  • Posted by alohaloans_admin
  • On October 30, 2017
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    • 0 likes
  Lenders Mortgage Insurance How to Buy a Property Without a 20% Deposit   How to buy without a 20% deposit When you consider that a small flat in Sydney could set you back half a million dollars at the moment, saving a 20% deposit to buy that flat ($100,000) can seem an insurmountable task. […]

Improving the Return on Your Investment Property

  • Posted by alohaloans_admin
  • On October 30, 2017
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    • 1 likes
  Tips to improve ROI on an investment property   When purchasing an investment property, there are a number of factors that could increase or reduce your potential return on investment (ROI). In this case it’s not just location, location, location. When considering a property for investment purposes, an important question to ask is “will […]

What counts as genuine savings in a loan application?

  • Posted by alohaloans_admin
  • On October 16, 2017
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What counts as genuine savings in a loan application?   If you apply for a home loan, particularly if the loan is for more than 80 per cent of a property’s value, you’ll more than likely have to prove to lenders that you have a satisfactory amount of savings. This is to demonstrate your ability to funnel a portion […]

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