The BEST Life Insurance in Fennell Bay NSW for 2023

cld2jf0se000b08mhfvdvfzeo We are now members of CAFBA!

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We are now proud members of the Commercial & Asset Finance Brokers Association of Australia. Is your business purchasing a commercial premises or equipment?

clcqx69ye000d08jq6w72gkmh Pro's & Con's to Refinancing

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Thinking about refinancing? Not sure if it will benefit you in the long term? Speak to our Mortgage Broker, Beth about your scenario.

clcqwxkvu000b08jo8pcp9deq What is Serviceability?

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You may have heard Banks and Brokers talk about your Serviceability, Borrowing Capacity/Power or Servicing Results, but what does it all mean? In basic terms, it means a response to if you can afford a loan or not. To determine your borrowing capacity, we need to know your income, liabilities, and living expenses.

clcqw80g3000b08ml8rf04ph7 Loan to Value Ratio - LVR

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What is it? It’s the amount of the loan divided by the value of the security property, expressed as a percentage. So, if you were getting a $400,000 loan to purchase a $500,000 home, the LVR would be 80%, as $400,000 is 80% of $500,000

clcqw0hoc000b08l4fwt4g57q What is a Guarantor?

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A Guarantor is a person who can help a consumer secure their home loan by agreeing to offer their own property as additional security for the consumers loan.

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There’s been a lot of discussion lately around offset accounts and how they can shorten the length of your home loan and save you money. How does this work?

clcqvjn1z000x08jygokc1tgo How to pay off your Home Loan sooner

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Are you struggling with the thought of having a huge debt over 30 years? Worried about the interest rate rises? Here are three questions to ask yourself about your home loan.

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A redraw facility holds any extra/additional repayments you have contributed to your loan above your minimum repayments.

clcqv5rlw000v08me3sw1anub Struggling with Mortgage Stress?

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Mortgage stress is commonly defined as a household spending more than 30 per cent of their (pre-tax) income on home loan repayments. It is estimated that 948,000 mortgage holders (21.1%) were at risk, and another 611,000 (14.1%) were at extreme risk of mortgage stress in the three months to September 2022. If you are currently finding yourself with mortgage stress, here are some things that may help you.

clcqv289n000g08l9alyn5vj2 What is a Bridging Loan?

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Have you found your new home but haven’t sold your old one yet? You should consider a bridging loan.

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Thinking about upgrading your car, but need a car loan? Come see Beth at Grace Loans, she can compare lenders for you, and guide you through the process.

clcqukki7000f08l9bgsl02rh Working for You

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Want the most competitive interest rate? Do you want to know which bank will offer you the most borrowing capacity? Want to compare all the banks side-by-side to see which is actually a better fit for you? This is what Grace Loans is all about. We work for you, not the bank.

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What kind of loan do you need? How much can you borrow? Check out our calculators on our website.

clcqub9m4000y08k40h7sbl8k Is you current interest rate too high?

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We can refinance Home & Investment Loans, to ensure you've got the most competitive rate. Send Beth an email to enquire today, it pays to come to Grace.

clcqu3mtb000x08k4d6xu1v8t What types of loans can we help with?

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Here at Grace Loans, we can assist you. Check out below, what type of loans we help with.

clcqtqhg4000s08l46qwg6kko Lender's Mortgage Insurance (LMI)

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Not sure what LMI is? How much does it cost? Do I need it? Click the link below, to see our article on LMI.

clcpsu26y000q08l3dltw9yye Is it time to Purchase an Investment Property?

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No matter what type of property investor you strive to be, it’s important to remember that property investment is available to everyone in all walks of life. The data already shows us that you don’t have to be among Australia’s richest to be within a chance of creating your own property portfolio.

clcpsnojz000b08l89ngmcdrw The Difference Between a Variable & Fixed Interest Rate

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Not sure whether to proceed with a Variable or Fixed Interest Rate? Not even sure what the difference is?

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If you’re in the market for a new home or to purchase a car, you may be considering whether its better to go to a mortgage broker or directly to a bank.

clcpruw8f000r08jk73tr2jiq First Home Buyer Schemes

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Are you a First Home Buyer? Not sure where or how to start? Here at Grace Loans, we will guide you through the home buying process, even after you settle!