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Typical steps involved to refinance – SUBMIT A DISCHARGE AUTHORITY

Typical steps involved to refinance – SUBMIT A DISCHARGE AUTHORITY

I recommend getting your broker to send a discharge authority to your existing lender.

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Typical steps involved to refinance – Speak to your lender

Typical steps involved to refinance – Speak to your lender

Most banks allow brokers to apply for higher discounts via online platforms

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When to start considering your loan options

When to start considering your loan options

Typically, you should start 2 to 3 months prior to any fixed rate or the interest-only term expiration

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ANZ, has hiked its fixed rates for the second time in the last few weeks

ANZ, has hiked its fixed rates for the second time in the last few weeks

All four big banks have now hiked fixed rates following the RBA meeting 10 days ago.

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How investors end up in ‘mortgage prison’

How investors end up in ‘mortgage prison’

APRA’s recent increases to banks’ loan serviceability expectations are intended to cool rapidly rising prices, but industry experts warn that there could be unintended consequences.

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How the new 3% mortgage stress test will affect property buyers from 1st November 2021

How the new 3% mortgage stress test will affect property buyers from 1st November 2021

New lending rules are about to kick in, which will limit the amount people can borrow from the bank.

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A simple, but significant change to the lending rules

A simple, but significant change to the lending rules

The Australian Prudential Regulation Authority (APRA), has made a simple, but significant change to the lending rules for banks and other authorised lenders.

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Questions a Lender Will Ask You and What You Should Prepare For - What deposit do you have?

Questions a Lender Will Ask You and What You Should Prepare For - What deposit do you have?

The bigger the better. Ideally, you will have about 20 percent of the house purchase price saved up. This is a good idea for a couple of reasons.

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Questions a Lender Will Ask You and What You Should Prepare For - How much do you spend?

Questions a Lender Will Ask You and What You Should Prepare For - How much do you spend?

The lender may ask for three to six months of bank statements for your transactional accounts so they can identify incomings and outgoings.

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Questions a Lender Will Ask You and What You Should Prepare For - How much do you earn?

Questions a Lender Will Ask You and What You Should Prepare For - How much do you earn?

Pulling together the information for a loan application can seem daunting, and may even feel a little invasive.

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