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Home Loans - Reduce Monthly Home Loan
Repayments
Do you have a impaired credit file and is
this stopping you from getting a home loan.
There are now lenders that will loan you money at very
competitive interest rates even if you had credit problems in
the past and even if you have defaults today.
At Bad Credit Loans Expert, we can help you if you are in the following position:
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Have defaults, judgements or court writs on your credit rating report;
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Are a discharged bankrupt;
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Refused finance from the banks;
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Recently divorced;
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Outstanding tax debt/bill (ATO), including
serious arrears;
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Forgot to pay your telephone bill/electricity
bills & credit cards
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Arrears on your current home loan with your
current bank/finance lender;
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Self employed (With or without financials)
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Recent immigrant
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Non Resident - Investment/Business Use Only
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Short Term Employment
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Favourable Purchases (see below);
Imperfect Credit? Not a problem at
Bad Credit Loans Expert!
Had a setback? Looking to re-establish your credit? Bad Credit
Loans Expert can
help with your home financing needs even if you have imperfect
credit. Consolidate high interest and credit card debt
To us, your future is more important than your past.
Different types of
Income
Do you get income from any of these sources:
Click here to apply
now
What is a Favourable Purchase?
Are you purchasing a house from a family member or housing trust? If
so, this may be considered as a favourable purchase which means.
Example:
Purchase Price: $200,000
Value of House: $250,000
Amount of loan required: $200,000 plus costs (stamp
duty, conveyancing fees etc)
In the above example, the lender
would base the maximum loan amount available on the valuation of the
house ($250,000) rather than the purchase price ($200,000).
Therefore, the lender is using the higher amount resulting in a
higher loan amount available.
What are the benefits of an
"all in one" debt consolidation loan.
Significant savings can be achieved by the consolidation of your
finances under the one umbrella. Home loan rates are generally lower
than those of credit cards, personal loans, car loans or overdrafts.
By consolidating these loans into one home loan you are reducing the
amount of interest you pay and it will allow you to "breathe" a
little easier.
Click here to apply
now
Are you struggling with
a financial position like this?
Real Life Case Study:
Below we have listed a real life case study of a couple with an
existing home loan and other loans such as a personal loan, car loan
and credit cards.
There position was as
follows:
There position NOW!
The team at Bad Credit Loans Expert sat down with the couple and reviewed
there situation and refinanced there home loan, personal loan, car
loan and credit card all into one, therefore providing them with
debt consolidation.
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Home Loan |
$250,000 |
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TOTAL DEBT |
$250,000 @ 7.04% per annum
over 30 years |
$1,670 per month |
A saving of over $671 per month
or $8052 per year.
That represents a saving of well over $200,000 over the life of
the loan.
Important information about advice
As the advice on this website has
been prepared without considering your objectives, financial
situation or needs, you should, before acting on the advice,
consider the appropriateness to your circumstances.
How to apply for a Home Loan
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Salary
Applicants - First Home Buyers
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Passport or Birth Certificate
Drivers license, ID card, Student Card
Medicare card, Bank card, Telephone account |
70 Points
40 Points
25 Points |
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Last 2 most recent payslips;
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Last copy of group certificate;
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Centrelink statements (if any);
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Copy of contract of sale (if any);
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3 months bank statements of all
savings account;
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Print and fill in the first home
owners grant application form
GET YOUR
MORTGAGE
With OUR Proven Mortgage Broker Services........
..Without
Time Consuming Office Visits
We offer the following:
- Great comparison rates
- No monthly or annual fees
- No fee for extra repayments
- No fees for unlimited redraw facility
- Principle and interest or
interest only
repayments
- Monthly, fortnightly or weekly loan
repayments
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My Money Now
Personal Loans, Car Loans,
Cash Advance, Home Loans, Credit Cards, Internet, Mobile, Home &
Car Insurance, Foxtel, Holidays, Accommodation, Car Rental &
Hire, Competitions, Shopping, Motor Bike Loans, Boat Loans and
much much more !
www.mymoneynow.com.au |
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Salary
Applicants - Refinancing
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Passport or Birth Certificate
Drivers license, ID card, Student Card
Medicare card, Bank card, Telephone account |
70 Points
40 Points
25 Points |
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GET YOUR
MORTGAGE
With OUR Proven Mortgage Broker Services........
..Without
Time Consuming Office Visits
We offer the following:
- Great comparison rates
- No monthly or annual fees
- No fee for extra repayments
- No fees for unlimited redraw facility
- Principle and interest or
interest only
repayments
- Monthly, fortnightly or weekly loan
repayments
| |
My Money Now
Personal Loans, Car Loans,
Cash Advance, Home Loans, Credit Cards, Internet, Mobile, Home &
Car Insurance, Foxtel, Holidays, Accommodation, Car Rental &
Hire, Competitions, Shopping, Motor Bike Loans, Boat Loans and
much much more !
www.mymoneynow.com.au |
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Self Employed
First Home Buyers
(includes applicants in company names
& trusts)
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Passport or Birth Certificate
Drivers license, ID card, Student Card
Medicare card, Bank card, Telephone account |
70 Points
40 Points
25 Points |
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Self Employed -
Refinancing
(includes applicants in company names & trusts)
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Passport or Birth Certificate
Drivers license, ID card, Student Card
Medicare card, Bank card, Telephone account |
70 Points
40 Points
25 Points |
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The Bad Credit Loans
Expert Network at a Glance
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Fixed rates v's Variable
