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SAVING MONEY ON HOME LOANS

•  Offset Accounts
•  Pay off your loan sooner
•  Refinancing or Dept/Loan Consolidation 
•  Bridging/Go Between Loan

 

 

 

Offset accounts

Looking to save on your interest without pouring all your available funds into your home loan? By setting up an offset account, you can use your savings to reduce the interest on your loan without actually having to have the money tied up. An offset account links your loan to a saving account so that any savings you accumulate reduces the amount of interest within your repayments.

 

By keeping your savings out of your home loan, you have the option of accessing the funds at all times. As an offset account can appear to be quite confusing for many people, please contact Bad Credit Loans Expert to discuss this product in further detail.

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Pay off your loan sooner

There are numerous tactics that can be used to save you money and allow you to pay off your loan earlier. With the experience the consultants at Bad Credit Loans Expert have in all areas of lending it can only benefit you to discuss some of these options.

Talk to one of our consultants about ways you can pay off your loan sooner by facilities such as an offset account or by making more frequent payments. We can also show you how much you will save in interest by paying as little as $10 a week extra off your loan.

OWN YOUR HOME SOONER!

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Refinancing or Debt/Loan Consolidation

Consolidating debts into one loan at the lowest rate possible can save a substantial amount of money and allow you to "breathe" financially during those tough periods.

Example:

Home Loan	$200,000	@	$1,274	per month
Personal Loan	$15,000	@	$379	per month
Car Loan	$15,000	@	$379	per month
Credit Cards	$10,000	@	$500	per month
Total Debts	$240,000	@	$2,532	per month
An alternative Consolidated Loan
$240,000	only $1,431 per month
A saving of over $1,100 per month or $13,200 per annum

That represents a saving of well over $200,000 over the life of the loan.

Do all lenders offer the same rates and conditions? No. We will show you that by re-financing or re-structuring your loan it is possible to get a better deal - possibly save tens of thousands of dollars off your loan. We negotiate the best rates and terms for our customers through our extensive range of financial institutions.

Interest rates are not the only reason you may choose to change your mortgage, there are a host of features that may not be available through your current lender. These may include 100% offset account, line of credit, a good redraw facility, no monthly fees and an ability to split the loan.

Need Extra Cash? Using the equity in your home and by refinancing your current mortgage you can raise capital for any worthwhile purpose, i.e.. Home renovations, debt consolidation, new car, shares or even a holiday around the world.

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Bridging / Go Between Loan

You may find yourself in the situation where you find a new home before you've sold your existing one. Its usually a dilemma. But with Bad Credit Loans Expert you can relax because we have a loan specifically for this situation called quite appropriately a Bridging Loan or Go Between loan.

You can get this loan facility by using both your new home and your existing one as security. With this facility you are able to capitalise interest onto the loan.

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