Home Loan Warehouse Mortgage Brokers Finance Help Blog

What is LVR in finance & why is it so important?

What is LVR in finance & why is it so important?

Like most professions your credit adviser works in an industry that has a specific language. If your broker mentions a word or phrase that you are not clear on feel free to ask for a better or fuller explanation. It is their job to communicate your options clearly. They will appreciate your question. LVR is simply […]

How to remove genuine savings hurdle for first home buyers

How to remove genuine savings hurdle for first home buyers

What is Genuine Savings? Funds held in an account ( at least 5% of purchase price)  in the name of the borrower for 90 days or more or saved over that time is best. Once 5% is saved evidence that you have continued to save is even better. This evidence makes it easier for the […]

Why the new fixed rate loans are almost like a variable loan – or are they?

Why the new fixed rate loans are almost like a variable loan – or are they?

We all want the best deal possible and that often means looking for the best rate out there that fits our circumstances. However, at what point do we begin to forward plan and treat our finances a bit more like a business would. Rates are low now and they have been for many many months. […]

How to turn No into Yes!

How to turn No into Yes!

Often, customers who have been told no still qualify for a home loan. The problem is they have not spoken to the correct bank or lender for their circumstances. Even before a credit check is conducted you can sit with your broker and talk about why you were told no and how you can turn […]

Does a home loan health check cost anything?

Does a home loan health check cost anything?

At Home Loan Warehouse all our services are free to you. Mortgage brokers across the industry receive commissions from banks when they successfully arrange a loan for you and place you with a lender, the loan and lender that is most suitable to your needs. The health check is a great way to meet your […]

Bank offers no Lenders Mortgage Insurance to 90% LVR

Bank offers no Lenders Mortgage Insurance to 90% LVR

One of our banks has a spring promotion where no LMI is payable on loans up to 90% LVR ( loan to valuation ratio ).  This significant discount is open to host of professions and government employees. Usually, banks reserve this for Doctors and other specialist professionals. If you are in the market for a […]

How to Get a Granny Flat Construction Loan

How to Get a Granny Flat Construction Loan

Granny flat Finance (The Granny Flat Home Loan) Cash is king. It’s a phrase you would have heard many times. In the world of property investment “Cash flow” is king, at least to some investors. Perhaps not every property is suitable for a granny flat but those who have done it make compelling arguments in […]

40 banks to choose from

40 banks to choose from

Home Loan Warehouse has a significant panel of trusted banks and lenders. With up to 40 to choose from we believe we can find you the home loan that is right for you.   Home Loan Warehouse brokers will never charge you a mortgage broker fee or a fee for service for a residential property. […]

September 17, 2014 | By | Reply More
Case Studies

Case Studies

See exactly how we can help you get the home loan that is right for you.

September 17, 2014 | By | Reply More
Can Self-Employed Get A Home Loan With No Or Low Financials?

Can Self-Employed Get A Home Loan With No Or Low Financials?

Most banks require two years full financials as evidence of the income stated by a self-employed applicant. Each of these banks on our panel will apply different approaches to how they assess the income items in the financial statements. In turn this will determine  how much can be borrowed and if the applicants qualify at all. […]

September 15, 2014 | By | Reply More
Why use us for granny flat loans in NSW

Why use us for granny flat loans in NSW

Lowest Home Loan Rates In Years Means Cash flow Potential From Minor Dwellings It makes sense to use a Home Loan Warehouse mortgage broker. Home Loan Warehouse has a growing panel of 40 Plus trusted banks and lenders so rather than shop around going from bank to bank all you need to do is make […]

Bad Credit

Bad Credit

In the current climate bad credit finance is cheaper than it has been for some time and therefore available to more customers. As brokers we have mainstream and well respected lenders on our panel that will consider finance to applicants with defaults that are paid or unpaid or who have been discharged from either a […]

Commercial property and self managed super fund finance.

Commercial property and self managed super fund finance.

Compliant self managed super funds that remain compliant enjoy significant taxation concessions. 15% tax on the income of the fund 10% tax on the realised capital gains of the fund (held for more than 12 months) All borrowing activity must meet the following criteria: Funds should be borrowed to acquire an asset The asset should […]

Investment Property & Investment Property Refinance Options

Investment Property & Investment Property Refinance Options

Investing – we are specialists in investment property refinance and restructure. We often see clients who believe they are stuck and do not have capacity to make further investment. When this happens we consider whether investment property refinance is suitable for them. Whether you’re new to the investment mortgage market, interested in investing, or you’re […]

No bas low doc home loan – how to overcome the paperwork rules

No bas low doc home loan – how to overcome the paperwork rules

If you are self-employed you will most likely have heard of low doc finance or low doc home loans. There are many valid reasons you would need to opt for a low doc home loan that is specifically a no bas low doc home loan. Here is an example: You have saved a 20 % […]

Terry Ryder on FHB Stats

Terry Ryder on FHB Stats

The truth is starting to be revealed about first-home-buyer numbers. I have been writing, for the past year, that FHB numbers from the ABS were a miscount – indeed, a gross under-estimation. Now, after an internal investigation, the ABS has confirmed this. Earlier data indicating FHBs were only 10% of residential sales has now been […]

Cheaper Interest Rates (what is negotiated pricing) ?

Cheaper Interest Rates (what is negotiated pricing) ?

There a no tricks. It’s all about you (and your team). Interest rates or the price you pay for your money are mostly a reflection of how you are viewed by a lender in terms of risk. The higher the risk the more you pay. At some risk levels finance is very expensive and at […]

Low and no deposit loans – real options

Low and no deposit loans – real options

Low Deposit? What real options are there? If you have no or a low deposit you may have been getting conflicting advice about your options. Part of the reason for this is that every bank or lender has a slightly different policy when it comes to the are of low deposit home loans. Let’s Get […]

$1 LMI – whats the catch?

$1 LMI – whats the catch?

Lenders Mortgage Insurance can be a massive cost. This cost will be reducedto $1 up to 90% given that certain conditions are met. Note that this lender is still applying the qualifying criteria of LMI (which is generally stricter in terms of who can borrow) but just picking up the tab. Who get this deal? […]

FSI Says Remove the exception to the general prohibition on direct borrowing for limited recourse borrowing arrangements by superannuation funds.

FSI Says Remove the exception to the general prohibition on direct borrowing for limited recourse borrowing arrangements by superannuation funds.

Article Source FSI.gov,au Recommendation 8 Remove the exception to the general prohibition on direct borrowing for limited recourse borrowing arrangements by superannuation funds. Description Government should restore the general prohibition on direct borrowing by superannuation funds by removing Section 67A of the Superannuation Industry (Supervision) Act 1993 (SIS Act) on a prospective basis.74 This section […]

Refinancing Your Home Loan

Refinancing Your Home Loan

Refinancing can be used to reduce weekly repayments, reduce your interest rates, release cash or restructure your loans to right way. The process of refinancing is simple. However, in order to get a great refinancing deal it makes sense to use a mortgage broker. Home Loan Warehouse has a growing panel of lenders so rather than […]

To fix or not to fix

To fix or not to fix

John Symond, the founder of Aussie Home Loans, has revealed he has taken five-year fixed loans for his Sydney investment property portfolio. The refinancing was done this week. “I’ve never been a proponent of fixed rates,” he told Ross Greenwood’s 2GB Money News (27.30 minute mark of recording) last night. “But I’ve gotta fess up, […]