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Don't get a nasty surprise, check your Credit File ASAP and save yourself time!
Neomoney have a range of calculators to do all the number crunching for you!
Are you a New Business or Old Business who needs funds within 2 to 3 days, then take advantage of this New Business Loan product available for all business owners out there!
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As Credit Advisor's, will look at your financial position, your borrowing power, your life time goals and lifestyle requirements, research our lender base to find the best loan product in the market and negotiate the best deal possible for you.
Neomoney will save you time, to help you save money.
Surprisingly some lenders take on people who's Credit File isn't completely clean. If you have only a couple of defaults, example: $320 Telephone Bill & $400 Utilities Bill, certain lenders will accept an application. We will have to help put together a strong profile for you and look at what financials the lendor requires before lodging the application. The cleaner the better, but make sure to look at our Credit File Health Tips on how to rinse your Credit File.
LMI stands for Lenders Mortgage Insurance. Normally lenders offer an 80% mortgage borrow amount, but including LMI into your loan will allow a lender to raise the borrow amount to 95%. This means that you can get your home with a smaller deposit.
Who is insured? The lender is insured party. LMI does not insure you or any guarantor. LMI covers the lender incase the borrower can't make payment. Please don't confuse LMI for MPI (Mortgage Protection Insurance) which covers the borrower incase of death, sickness or unemployment.
When buying a house, some banks or lenders will prefer a 20% deposit however there are lenders that will accept a deposit on a loan of less than 10 percent, for example, a five (5%) percent deposit, and some will provide a no deposit home loan, depending upon the location and price of the property via a guarantor loan.
However, sometimes a deposit of less than 20 percent may mean additional loan insurance known as Lender Mortgage Insurance is required. An example where the bank may not require a deposit for a home loan is where you have enough equity in another property via a guarantor.
Expert property researchers are saying, "Across the country, it's now cheaper to buy than to lease (Rent) in 300 plus suburbs nationally in Australia." Over time you will find your income will increase, your repayments will be more affordable and the dream of owning your home will become more realistic due to the fact that if you take a look at current property prices, take a look at property prices back 10 years ago and if you look forward 10 years for now, what you pay for a property today will not be the same price in 10 years time.
Home Loan Finance made very easy! When buying your First Home or Second Home, we will assist you in owning your property sooner!
If you're buying your First Investment Property or your 10th Property, we will show you the benefits with minimal fuss!
Invest right, to save money!
Don't know where to start? Before you make any decisions to purchase or refinance a commercial property, talk to us first at Neomoney!
Wow! ..thanks so much for all of your help. You guys went above and beyond all expectations this time.
Neomoney ..any question asked was answered professionally & was considered a normal question to ask... made me feel unique & well informed.
Thank You ..for all your help getting us over the line! You rock! THANK YOU
Big Thanks ..to Neomoney as you guys are fantastic with great customer service. We look forward to using your services again in the future.