A Guarantor Loan, Family Pledge Loan, Limited Guarantee, or “Equity Guarantor” loan is one where the guarantor enables entry to the property market to a buyer by offering your own fully or partially-owned property as security. You are essentially co-borrowing without the …
When you apply for a home loan your lender will get an independent valuer to assess the bank valuation of the property you wish to buy. For the bank, property valuation risks are their main priority, so the bank valuation is a conservative estimate of the property’s value …
Selling your existing home and buying a new home simultaneously can be a little difficult in that the sale of your property, and finding a new property, rarely occur simultaneously. With a bridging loan, you can avoid the stress of matching up settlement dates, move quickly …
As listed on our FAQ on your Credit Score, a credit report may list overdue payments of any kind (by 14 days), unreliable or missed payments, or defaults. That report holds information on your profile as a credit risk and …
Your credit score is your credit history converted to a number between 0 and 1000 or 0 and 1200, depending on which credit score provider produced the credit score. The higher the score, the better your credit rating. It is one of the factors used by lenders to determine how …
The National Disability Insurance Scheme (NDIS) is a Federal Act developed in 2013 to allow people with a disability to exercise choice and control about matters that affect them – such as their housing. SDA housing is housing built to a standard …
A permanent injury or illness can make it difficult or impossible to return work. Total and Permanent Disability (TPD) Insurance can provide a financial safety net to help support you and your family, and pay for medical and rehabilitation costs, everyday living …
Income protection insurance pays a percentage of your income if you’re unable to work. The insurance can help pay your bills while you focus on your recovery. Income protection insurance generally pays you up to 85% of your pre-tax income for a specified …
Life insurance is cover that pays out to a beneficiary in the even of a death. Life Insurance can relive financial stress in your absence by providing sufficient finances to help your family pay bills, manage mortgage repayments, and provide general living expenses …
Private health insurance can help you pay hospital and medical costs not covered by Medicare. In some cases, you can receive treatment sooner by electing to be treated as a private patient. In Australia, private health insurance is ‘community rated’. This means …
Trauma Recover Insurance provides peace of mind that your family will not suffer financially in the event of a serious injury that makes it difficult for you to continue working. Trauma insurance can help support your family financially, and support you with medical …
Di you know that over 70% of Australians hold life cover through their superannuation fund? Before investing in various types of cover it’s worth looking at what sort of total and permanent disability, income protection, or other policies made available through your super fund …
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