Can You Pay Off a Car Loan Early and What Should You Check First
You can often pay off a car loan before the scheduled end of the loan term, but the cost and process depend on your credit contract and lender. Before making…
How Does a Rental Appraisal Affect an Investment Loan Application
A rental appraisal can affect an investment loan application because lenders may use expected rental income when assessing whether a borrower can service the proposed loan. A lender will not…
Do You Need a New Property Valuation When Refinancing
A new property valuation is commonly required when refinancing because the new lender needs to assess the property’s current value and calculate the loan-to-value ratio. The lender may use an…
Does HECS or HELP Debt Affect How Much You Can Borrow for a Home
Yes, a HECS-HELP or other HELP debt can affect how much you may be able to borrow for a home because compulsory repayments can reduce the income available for servicing…
Deposit Bond vs Bank Guarantee: What’s the Difference
A deposit bond and a bank guarantee can both provide a form of financial guarantee, but they work differently. A deposit bond may be used instead of paying a cash…
Can You Refinance If You Have Less Than 20% Equity
You may be able to refinance a home loan with less than 20% equity, but the available options can be more limited. A lender will generally consider your loan-to-value ratio,…
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