I recently arranged a mortgage loan for a client to purchase their own home, with a variable annual interest rate of 4.68%, linked Mortgage 100% Offset Account, and NIL Application Fee. The lender has now confirmed this special rate offer will be extended to Friday 30 January 2015. This loan rate is not an introductory rate, and is based on a margin discount to the standard variable rate, which means the interest rate will be lower than the standard rate during the entire loan term - a...

I have had several recent enquiries from clients requiring home loans, but have not been able to obtain a mortgage loan as part, or all, of their deposit had been 'gifted' to them by their family. Some lenders won't accept the family 'gift', so below is a summary of a solution I recently developed for one of my clients. ??Scenario The client wanted to buy their first home, with a purchase price of $316,000 The client demonstrated their ability to meet ...

Today, I started the process of acting for a client for the proposed purchase of a commercial property. Following is a list of reasons why appointing an independent representative to act on your behalf, when negotiating the purchase of a property, may help you make the whole process a lot less stressful: The independent representative usually does not have an emotional or financial stake in the transaction, which may increase your chances of achieving your budgeted purcha...

We've received notice from one of our Financiers confirming some special finance rate offers for vehicles and equipment (new and used). Term Interest Rate 3 Years 5.05% 4 Years 5.29% 5 Years 5.52%         The offer is only for the next two weeks, and some conditions apply, so if you're in the market for a new car, or...