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Choosing the Right Loan While Self-Employed

If you’re self-employed and looking to get into the property market or purchase a new car, chances are there will be a few extra hurdles you have to jump before you can obtain finance. While it may not feel like it, there are options for finance, even for those who are self-employed. Before you take the first offer on the table, make sure you’ve done your research and that you’re choosing the right loan for your circumstances both now and into the future. Finance for self-employed individuals Applying for finance can be daunting at the best of times, but even … Read more

Common Mortgage Terms Defined

If you’re a first home buyer, obtaining a mortgage can seem overwhelming and perhaps even confusing. Often, there’s jargon and terms you may not have heard of and, with something as important and serious as a home loan, you need to get your head around these mortgage terms quickly! We advocate for financial literacy and want our clients to feel empowered and informed at every step along the way. To help you understand mortgages like an expert, we’ve put our heads together and listed the most common terms people find confusing. Appraisal Is an assessment of how much a home … Read more

Different Types of Home Loans

Like anything in life, home loans aren’t always black and white. There are many types of home loans that you may have never even heard of! When deciding which type of home loan is right for you, a quick Google search will bring up a tonne of results; variable rate loans, fixed rate loans, construction loans…the list goes on. But, in reality, there are complexities and varying features that come with every loan that a Google search simply won’t reveal. At Inovayt, we have a dedicated team of experienced brokers who can assist you to determine which type of home … Read more

What You Need to Know About the New Credit Reporting Laws Before Applying for a Home Loan

Comprehensive credit reporting has been voluntary in Australia since 2014, however, the Australian Government has recently ordered the big four banks to participate from July 1 this year. What is Comprehensive Credit Reporting? Comprehensive Credit Reporting (CCR) is just that—a thorough view of your financial history, which is inclusive of all your ‘good’ and ‘bad’ financial behaviour for all future lending. This includes your mortgage, credit cards, home loans etc. With an unprecedented volume of information now being collected on individuals under the CCR, positive behaviour is also recorded against your name – no longer ignoring all the regular payments … Read more

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