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What do the Banks look for when Lending Money?

So you are thinking about actually getting a loan? What is it that the Banks are going to be looking for in terms of being able to lend you money for a mortgage? There's actually 5Cs that allow them to do that. Character, Capacity, Conditions, Collateral and Common Sense. So let's explore all five! The first one is Character. When they are talki...

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How much Money can you borrow?

So how much money can I borrow? It's a question we all ask ourselves from time to time and it's a good question to ask and from a Lender's point of view it's a question around serviceability. So when they're talking about serviceability they're actually saying that here's the household income coming in, here's the expenditure that we've got associa...

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What does AFL, NRL and Mortgages Have in Common?

We love our sports; all the competitiveness and excitement that comes with it.  Have you ever wondered if the same spirit of sportsmanship also applies to scoring a good mortgage? Over the weekend we have seen the two major sporting codes Grand Finals.  These sporting contests are all about making ground on your opposition and putting scoreboa...

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