Gold Ladder

Collection by Marlene Fernandez

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Marlene Fernandez
Are you presently in the midst of a bad credit mortgage loan with a higher monthly interest? If that’s the case, you are not by yourself. Many people are affected by their monthly #mortgageloan payments because of the high APR. Perhaps you might have acquired your #homeloan at the time when you possess bad credit or a poor credit score.

How to Refinance A Bad Credit Home Loan

Are you in the middle of a bad credit home loan with a high interest rate? Many people are struggling with payments because of high interest rates.

Self Employed Home Loan – using add backs to incease your borrowing capacity | Ocean Home Loans

When applying for a self employed home loan your taxable income isn’t the same as the actual income that can be used to assess your capacity to meet your commitments, including the repayments for any new loans, therefore some lenders add back any expenses incurred that reduced your taxable income. By adding back expenses you […]

What a mortgage broker can do for you | Ocean Home Loans

By staying up to date with lending criteria and products, a mortgage broker can make sure you get a loan that fits both your financial situation and your long-term goals, they can provide the answers you need and help you get the right mortgage products. In fact, half of all Australian mortgages are now arranged […]

With the new credit reporting legislation fully implemented, now is the time to make sure your credit history is as clean as can be. With credit providers now collecting and recording further information about your credit conduct, one small slip-up could mean the difference between the dream of home ownership and having to continue to rent for the forseeable future. Repayment history information is designed to give credit providers enough information about you to assess whether or not you…

Keeping your credit history clean | Ocean Home Loans

With the new credit reporting legislation fully implemented, now is the time to make sure your credit history is as clean as can be. With credit providers now collecting and recording further information about your credit conduct, one small slip-up could mean the difference between the dream of home ownership and having to continue to […]

How to pay your home loan off sooner | Ocean Home Loans

There has been plenty of discussion recently about whether we have seen the last cuts to home loan interest rates, so now more than ever it’s important to understand how to effectively manage your mortgage. With interest rates at their lowest levels for close to 40 years, the secret is to not sit back and […]

With rates so low, now is the time to look at a mortgage refinance | Ocean Home Loans

Cash rate stability, increased product choice and low interest rates have created the prime environment for consumers planning on a mortgage refinance of their home loan. Competition in the mortgage market is at an all time high. Major lenders are slashing rates and releasing some enticing mortgage products in a bid to win over your […]

As we move into yet another new year, it’s important to take some time to take stock of the year that was and what you want out of the year ahead. The start of the year marks an ideal time to review your personal financial plan, and with many of us fortunate enough to have some time off, summer can provide the perfect occasion to nut out some resolutions and a roadmap for success. Financial plan for success “If you fail to plan, you are planning to fail.” No true success comes without some…

Do you have a financial plan for 2015 | Ocean Home Loans

As we move into yet another new year, it’s important to take some time to take stock of the year that was and what you want out of the year ahead. The start of the year marks an ideal time to review your personal financial plan, and with many of us fortunate enough to have […]