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Equity Calculator: How to Work Out Your Usable Equity?

... vs. Home Package Plus Access Equity (line of credit)Head to head winner: Suncorp Access Equity (Line of Credit ... )In our Suncorp Home ...

Suncorp Home Loan Review

... home loan of $400,000 against it, your home equity is $100,000.Suncorp’s Line of Credit ... to a credit card✅ Access Equity Line of Credit can be covered under Home Package Plus ...

Renovation Loans [The Complete Guide for 2019]

... to streamline the process.The benefit of a home equity loan, is It allows ... Finance Work? Situation 3: Line of creditA line of credit is terrible, don’t use ...

CUA Home Loan Review

... offer?CUA has a range of home loan products on offer with ... compared to big banks 4. Equity Line of CreditThe Equity Line of Credit offers you an all-in-one ...

Using Equity to buy a second property [How to]

... an example of how equity works when buying a second home…Karen bought ... be employed ✅ Have a clear credit file Let's look at Karen's ...

Is it Time for a Home Loan Health Check?

... :Repay credit card bills and small debtsYou are paying for home loan ... got a mortgageYou are building equity while making regular loan repayments.You ...

Kitchen Renovations: The Definitive Guide (2020)

... mount keeps the lip of the sink in line with the benchtop ... home equity loans. So proceed with caution and do your research.Similar to credit ...

State Custodians Home Loan Review

... interest rate repayments. 3. Line of Credit Home Loan The Line of Credit product is suited for ... State Custodians’ Line of Credit Home Loan is good to access equity from your home, and ...

Bridging Loan: How Does Bridging Finance Work?

... per a regular home loan refinance✅ You have equity – This varies between ... Repayments During Bridging6-month termPeople Choice Credit UnionBridging LoanPurchaseHigher Interest RateNo Repayments ...

Family Tax Benefit Mortgage

... additional features, such as a line of credit, credit card, or an offset account. ... conditions:You have sufficient amount of equity or you already own a ...

House deposit QLD [All your questions answered]

... needs to be enough equity in their home, typically the guarantor will ... have high amounts of debt outstanding on their credit card will often ...

Home Loans Brisbane: The Definitive Guide

... out of every 10 home loan applications are being declined right now.Bottom line ... which waives the monthly costs of your credit card, offset account and ...

Loan Declined After Pre approval | 26 Ways to get Unconditional Approval ?

... considered substitutes for genuine savings:☑️ Equity held in property☑️ Rental History ... Any home loan application is subject to credit approval, and verification of all ...

How to Avoid Lenders Mortgage Insurance? | 5 Awesome Strategies

... this, including:Applicant conditions:✅ Satisfactory credit scores apply for all applicants ... help make your dream of buying a home, come true. How does ...

First Home Buyer Guide

... the 5 C's of Credit is at the core of these assessments. It ... Expert from Hunter Galloway, the home of home buyers. The information on this ...

What is a pre-approval?

... get assessed by the lenders credit department or lenders mortgage insurer.It ... obliged to formalise an approval of your application once you’ve ...

Tips for Purchasing Your Next Property

... your criteria – price range, number of bedrooms, location, etc.Location - Keep ... , knowing that there are plenty of other properties out that that ...

Credit Card Debt

Credit Card DebtYour Credit Card Got a Mind of Its Own? Is your credit card ... is an abundance of credit available. The humble credit card gives instant gratification. ...

How to Split House Repayments and Bills with your Partner

... very straight-forward yet simple way of splitting your expenses. No matter ... method comes with a lot of communication because the spouse providing ...

PRIVACY POLICY

... your credit needs, you consent to the collection and use of the ... with your credit needs, including the preparation and submission of loan applications. ...

How Did I Get a Bad Credit Score?

... following:Payment records of a personNumber of other credit applicationsFrequency of changing address, andWhether ...

Federal Budget 2017

... university fee rises, the first home buyers salary sacrifice, more hospital ... , and infrastructure upgrades, being aware of these changes will help you ...

What You Need to Know About Borrowing with a Trust

... is right for you. ✅Credit File of the Trust - Banks also ... your application. Most of these firms maintain a credit file and some ...

Mortgage Broker Ashgrove

... DirectorNathan Vecchio is the director of Hunter Galloway, and is passionate ... Broker’s Association of Australia, National Finance Broker of the Year for ...

Self Managed Super Funds

... property through an SMSF:ControlMany of our clients appreciate the certainty ... these costs.To make this sort of purchasing structure worthwhile, many advisors ...

Strata Title vs Body Corporate

... vs body corporate is that of ownership and legal responsibility.The owner's ... responsible to take care of a number of issues related to an ...

Bad Credit History Brisbane

... Creditors use automated credit scoring to assess the level of risk you ... you a great chance of purchasing that dream home. Sometimes the unexpected ...

Location, Location! Tips When Buying A House

... ideal suburb to buy a home. Consider the Location Where You ... that is in line with your lifestyle and preferences. Of course, it ...

Refinance Your Mortgage

... paying your new home loan within the first month of settlement.Important ConsiderationsWhen ... a lower interest rate? Release equity to purchase another property or ...

How to Buy Property Through Your Self-Managed Super Fund?

... out a regular home loan. There are a number of requirements you ... made in property is in line with your strategy in order ...

Cross Collateralized Loan: What is it, how it works?

... limit your overall equity from increasing.So it's kind of like a chain ... Often, buyers separate their loans home loans and investment loans splitting ...

How to Overcome a Poor Property Valuation

... and is affecting around 35% of home buyers today.This article is going ... THE BLACK PILLYou can use equity from another property to support ...

Save Big

Save BigAny first home owner will know that saving ... for a better deal. Half of the Australian population have agreed ...

Financial Freedom

... surprise expense on a credit card because of your 0% payment obligation. ... out touring homes on a Sunday afternoon. The bottom line here is ...

Mortgage Broker Kedron

... out about suitable loans or credit packages and arrange special deals ... for your first home, wishing to use the equity in your current ...

What is Lenders Mortgage Insurance?

... up with a home loan deposit of 20%. The cost of LMI varies ... 689For more information on bad credit and renovation tips.

Property Trends in Australia

... the majority of people wanting to work near their home, which means ... following reasons:Tighter lending policies of financial institutions for local investors ...

How Can I Use Super to Buy A House?

... you or not.The pros of the First Home Super Saver Scheme✅Save ... guarantor are:The guarantor has equity in their current propertyThey have ...

ChoiceLend Home Loan Review

... ⛔ Loan processing fee $250ChoiceLend Line of CreditThe ChoiceLend Line of Credit option provides you with ... split.✅ The Line of Credit can be combined with a ChoiceLend home loan.⛔ Loan ...

What is Lenders Mortgage Insurance? ☂️

... , such as✅ Loan amount✅ Level of home equity✅ Whether you are a first-time ... the right source of finance that is in line with your financial ...

What is lenders mortgage insurance

... than 80% of the property value when taking a home loan.Essentially it ... when the net proceeds of an enforced sale of the security property ...

What do Mortgage Brokers in Australia do?

... to interest rates and home loansCentral point of informationCan confirm the guidelines ... setting up guarantor loans, bad credit loans and default loans.How much ...

Should I Buy a Granny Flat?

... Granny FlatBelow are some of the benefits of having a granny flat ... ideal add on for new home owners . Tenants also don't always ...

AMP Home Loan Review

... a home loan, which allows you to get an approved line of credit with ... ⛔ No fixed rate option or line of credit available⛔ No offset account available ...

Rentvesting: Strategy to go from Zero to 3 Properties [In 3 Years]

... situation to situation:Home equity - If you have equity in property that ... loanIf you have a bad credit history or are having difficulty ...

Will Housing Prices Spike or Drop After the Commonwealth Games?

... addition to that, the ratio of home ownership is quite high, i.e. ... comes to cash flow and equity growth, the units carry higher ...

GET READY FOR YOUR BIG PURCHASE

... and down during the life of your home loan.Understand what benefits you're ... report today). Inspect a number of homes to compare features and value..You'll ...

First Home Loan Deposit Scheme [Buy with a 5% Deposit, No LMI]

... scheme with $500 million in equity allocated to the National Housing ... it comes to types of properties first home buyers will be looking ...

Removing a Guarantor from Mortgage

... % LVR.✅ Your income, employment and credit history need to meet the ... have less than 20% equity in your home you will need to ...

How to Challenge a Bank Valuation?

... related to your home loan and decreases the equity amount that you ... placing a large number of inquiries on your credit file.There are some ...

Equity Calculator: How to Work Out Your Usable Equity?

... vs. Home Package Plus Access Equity (line of credit)Head to head winner: Suncorp Access Equity (Line of Credit ... )In our Suncorp Home ...

Suncorp Home Loan Review

... home loan of $400,000 against it, your home equity is $100,000.Suncorp’s Line of Credit ... to a credit card✅ Access Equity Line of Credit can be covered under Home Package Plus ...

Renovation Loans [The Complete Guide for 2019]

... to streamline the process.The benefit of a home equity loan, is It allows ... Finance Work? Situation 3: Line of creditA line of credit is terrible, don’t use ...

CUA Home Loan Review

... offer?CUA has a range of home loan products on offer with ... compared to big banks 4. Equity Line of CreditThe Equity Line of Credit offers you an all-in-one ...

Using Equity to buy a second property [How to]

... an example of how equity works when buying a second home…Karen bought ... be employed ✅ Have a clear credit file Let's look at Karen's ...

Is it Time for a Home Loan Health Check?

... :Repay credit card bills and small debtsYou are paying for home loan ... got a mortgageYou are building equity while making regular loan repayments.You ...

Kitchen Renovations: The Definitive Guide (2020)

... mount keeps the lip of the sink in line with the benchtop ... home equity loans. So proceed with caution and do your research.Similar to credit ...

State Custodians Home Loan Review

... interest rate repayments. 3. Line of Credit Home Loan The Line of Credit product is suited for ... State Custodians’ Line of Credit Home Loan is good to access equity from your home, and ...

Bridging Loan: How Does Bridging Finance Work?

... per a regular home loan refinance✅ You have equity – This varies between ... Repayments During Bridging6-month termPeople Choice Credit UnionBridging LoanPurchaseHigher Interest RateNo Repayments ...

Family Tax Benefit Mortgage

... additional features, such as a line of credit, credit card, or an offset account. ... conditions:You have sufficient amount of equity or you already own a ...

House deposit QLD [All your questions answered]

... needs to be enough equity in their home, typically the guarantor will ... have high amounts of debt outstanding on their credit card will often ...

Home Loans Brisbane: The Definitive Guide

... out of every 10 home loan applications are being declined right now.Bottom line ... which waives the monthly costs of your credit card, offset account and ...

Loan Declined After Pre approval | 26 Ways to get Unconditional Approval ?

... considered substitutes for genuine savings:☑️ Equity held in property☑️ Rental History ... Any home loan application is subject to credit approval, and verification of all ...

How to Avoid Lenders Mortgage Insurance? | 5 Awesome Strategies

... this, including:Applicant conditions:✅ Satisfactory credit scores apply for all applicants ... help make your dream of buying a home, come true. How does ...

First Home Buyer Guide

... the 5 C's of Credit is at the core of these assessments. It ... Expert from Hunter Galloway, the home of home buyers. The information on this ...

What is a pre-approval?

... get assessed by the lenders credit department or lenders mortgage insurer.It ... obliged to formalise an approval of your application once you’ve ...

Tips for Purchasing Your Next Property

... your criteria – price range, number of bedrooms, location, etc.Location - Keep ... , knowing that there are plenty of other properties out that that ...

Credit Card Debt

Credit Card DebtYour Credit Card Got a Mind of Its Own? Is your credit card ... is an abundance of credit available. The humble credit card gives instant gratification. ...

How to Split House Repayments and Bills with your Partner

... very straight-forward yet simple way of splitting your expenses. No matter ... method comes with a lot of communication because the spouse providing ...

PRIVACY POLICY

... your credit needs, you consent to the collection and use of the ... with your credit needs, including the preparation and submission of loan applications. ...

How Did I Get a Bad Credit Score?

... following:Payment records of a personNumber of other credit applicationsFrequency of changing address, andWhether ...

Federal Budget 2017

... university fee rises, the first home buyers salary sacrifice, more hospital ... , and infrastructure upgrades, being aware of these changes will help you ...

What You Need to Know About Borrowing with a Trust

... is right for you. ✅Credit File of the Trust - Banks also ... your application. Most of these firms maintain a credit file and some ...

Mortgage Broker Ashgrove

... DirectorNathan Vecchio is the director of Hunter Galloway, and is passionate ... Broker’s Association of Australia, National Finance Broker of the Year for ...

Self Managed Super Funds

... property through an SMSF:ControlMany of our clients appreciate the certainty ... these costs.To make this sort of purchasing structure worthwhile, many advisors ...

Strata Title vs Body Corporate

... vs body corporate is that of ownership and legal responsibility.The owner's ... responsible to take care of a number of issues related to an ...

Bad Credit History Brisbane

... Creditors use automated credit scoring to assess the level of risk you ... you a great chance of purchasing that dream home. Sometimes the unexpected ...

Location, Location! Tips When Buying A House

... ideal suburb to buy a home. Consider the Location Where You ... that is in line with your lifestyle and preferences. Of course, it ...

Refinance Your Mortgage

... paying your new home loan within the first month of settlement.Important ConsiderationsWhen ... a lower interest rate? Release equity to purchase another property or ...

How to Buy Property Through Your Self-Managed Super Fund?

... out a regular home loan. There are a number of requirements you ... made in property is in line with your strategy in order ...

Cross Collateralized Loan: What is it, how it works?

... limit your overall equity from increasing.So it's kind of like a chain ... Often, buyers separate their loans home loans and investment loans splitting ...

How to Overcome a Poor Property Valuation

... and is affecting around 35% of home buyers today.This article is going ... THE BLACK PILLYou can use equity from another property to support ...

Save Big

Save BigAny first home owner will know that saving ... for a better deal. Half of the Australian population have agreed ...

Financial Freedom

... surprise expense on a credit card because of your 0% payment obligation. ... out touring homes on a Sunday afternoon. The bottom line here is ...

Mortgage Broker Kedron

... out about suitable loans or credit packages and arrange special deals ... for your first home, wishing to use the equity in your current ...

What is Lenders Mortgage Insurance?

... up with a home loan deposit of 20%. The cost of LMI varies ... 689For more information on bad credit and renovation tips.

Property Trends in Australia

... the majority of people wanting to work near their home, which means ... following reasons:Tighter lending policies of financial institutions for local investors ...

How Can I Use Super to Buy A House?

... you or not.The pros of the First Home Super Saver Scheme✅Save ... guarantor are:The guarantor has equity in their current propertyThey have ...

ChoiceLend Home Loan Review

... ⛔ Loan processing fee $250ChoiceLend Line of CreditThe ChoiceLend Line of Credit option provides you with ... split.✅ The Line of Credit can be combined with a ChoiceLend home loan.⛔ Loan ...

What is Lenders Mortgage Insurance? ☂️

... , such as✅ Loan amount✅ Level of home equity✅ Whether you are a first-time ... the right source of finance that is in line with your financial ...

What is lenders mortgage insurance

... than 80% of the property value when taking a home loan.Essentially it ... when the net proceeds of an enforced sale of the security property ...

What do Mortgage Brokers in Australia do?

... to interest rates and home loansCentral point of informationCan confirm the guidelines ... setting up guarantor loans, bad credit loans and default loans.How much ...

Should I Buy a Granny Flat?

... Granny FlatBelow are some of the benefits of having a granny flat ... ideal add on for new home owners . Tenants also don't always ...

AMP Home Loan Review

... a home loan, which allows you to get an approved line of credit with ... ⛔ No fixed rate option or line of credit available⛔ No offset account available ...

Rentvesting: Strategy to go from Zero to 3 Properties [In 3 Years]

... situation to situation:Home equity - If you have equity in property that ... loanIf you have a bad credit history or are having difficulty ...

Will Housing Prices Spike or Drop After the Commonwealth Games?

... addition to that, the ratio of home ownership is quite high, i.e. ... comes to cash flow and equity growth, the units carry higher ...

GET READY FOR YOUR BIG PURCHASE

... and down during the life of your home loan.Understand what benefits you're ... report today). Inspect a number of homes to compare features and value..You'll ...

First Home Loan Deposit Scheme [Buy with a 5% Deposit, No LMI]

... scheme with $500 million in equity allocated to the National Housing ... it comes to types of properties first home buyers will be looking ...

Removing a Guarantor from Mortgage

... % LVR.✅ Your income, employment and credit history need to meet the ... have less than 20% equity in your home you will need to ...

How to Challenge a Bank Valuation?

... related to your home loan and decreases the equity amount that you ... placing a large number of inquiries on your credit file.There are some ...

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We appreciate our customers’ feedbacks!

Here’s what some of our customers say about our work.

My mortgage was not your typical simple loan; it required a lot of attention and out of the box thinking. All of this was provided by the team. Both Nathan and Josh worked tirelessly to get the result and outcome that I needed. They are incredibly personable, professional and a joy to work with.

Michael Cooper

Thank you so much to Nathan, Josh, Jared and the team for everything that they did for us in the process of buying our first house. They truly made it a seamless process. The team were always so on top of everything and kept us in the loop every step of the way. We will recommend Hunter Galloway to everyone we know! Thanks again boys!

Melissa Allison

I would recommend Nathan team to everyone. They are very professional and efficient. I previously had unpleasant experience when dealt with bank directly. Lucky, found Nathan, Josh and Jared just on time. Through them, bank even offered the loan more than I need. I could not settle this investment without Nathan's help!

Jessie Zhang

These gentlemen came recommended and I was genuinely impressed; the personalized service and very rapid reply to queries and constant updates was impressive as well as the ease with which they performed all the necessary work. They are very thorough and whilst collating paperwork is never much fun, they make it easy and explain why having all in place first is the best method. Very impressed!

Charles Phillis

We had a really great experience with Nathan from Hunter Galloway. Would definitely recommend him to anyone who is looking for a finance broker. He certainly knows his stuff, and his constant communication during the loan approval process was incredible.

Bianca Smith

After being stuffed around for over two weeks by another broker - got in touch with Nathan and had a first-home loan approval within 48 hours of speaking with him. First-class customer service and demonstrated wealth of experience. Can't recommend Hunter Galloway enough.

Irene Diocares

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