Blog Category: Home Loans

Our news section is to help debunk myths around money, empower you financially and written by experts such as ALC CEO Christopher Riotto and his specialist team. Learn to save, spend wisely and get debt under control.

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ALC Blog
Buying your property at auction
Home Loans
Christopher Riotto

Top Tips for Buying Property at an Auction

If you’re not experienced in buying a house at an auction, this may turn into a roller coaster ride of hell that you’ll just wish you never got on in the first place. This is where some handy tips for buying your property at auction come into place.

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ways to refinance your home
Refinance and Refinancing
Jack Richings

5 Things To Consider When Refinancing Your Home

Ever got yourself in a circumstance where you need to replace your current home with a new mortgage? Well, home refinancing is precisely that – getting a new mortgage loan to replace the existing home loan.

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reasons why you have been denied a home loan
Debt Consolidation
Jack Richings

10 Reasons Your Home Loan Was Denied

Understanding the reason behind your loan denial is a valuable learning experience. This reason helps you to pinpoint the areas of your financial life that need to be polished. You can always improve on this and reapply for the funding.

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personal loan for arrears
Personal Loans
Diane Challis

Reasons to Pay Arrears with a Personal Loan

Understand the main reasons why you should pay your arrears even if it means getting a personal loan to do it. We will also discuss a few tips on how to use your loans wisely to avoid getting into debt all over again.

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low doc home loans
Low Doc Loans
Diane Challis

Fixed Low Doc Home Loan: Ins and Outs

If you’re in the least familiar with the financial terminology, you know that low doc loans refer to those loans that can be acquired with minimal paperwork. Because of this, they are mainly for self-employed people or entrepreneurs with small-sized businesses.

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Default On Home Equity Loans
Home Loans
Diane Challis

What Happens When You Default On Home Equity Loans?

If the value of your home, or the amount you paid for it, is higher than your first mortgage or the principal, it means that you have equity in your home. You can tap into your equity by applying for a loan, secured by it.

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car loan mortgage application||car loans||Car Loans||car loans
Mortgage
Diane Challis

Will My Car Loan Affect My Mortgage Application?

The short answer is that a car loan can influence mortgage applications and under certain circumstances, it can get your requests denied. But do not let yourself discouraged. Evaluate your possibilities, cut down on the unnecessary expenses and, if you can, try to pay ongoing debts before applying for a mortgage.

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no credit check loans australia||alc mortgage broker vs bank||alc mortgage broker vs bank
Personal Loans
Diane Challis

Mortgage Broker vs. Banks: Which Is Better?

Both have their advantages and disadvantages. If you have bad credit or you want a wider array of options, a mortgage broker is a perfect choice. If you have good credit and the offers of the financial institution would suffice, a bank would do as well.

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Rent VS Buy
Home Loans
Diane Challis

Do Rentals Mean Losing Money?

The general, common saying that living in rentals equals to throwing money away is certainly not new, is it? And at first, it would seem

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debt consolidation
Debt Consolidation
Diane Challis

Consolidate Debts Into A Home Loan

Australia’s interest rates have decreased drastically and now is the best time in years to consolidate debts into a home loan! Given the interest rate

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benefits of having a second mortgage
Home Loans
Diane Challis

Benefits of Second Mortgages

How do Second Mortgages Work? Many people are familiar with the idea of a first mortgage on a property. The idea is fairly straight forward.

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bad credit home loans||low doc home loans
Home Loans
Diane Challis

Affordable Homes in Australia

A recent property report has shown that home affordability is better now than a year ago. The Housing Industry Association and Commonwealth Bank First Home

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Discover your fresh start loan options

What we do

Australian Lending Centre is the country’s largest provider of alternative loan products, debt consolidation services and refinancing for over 30 years.

We’re not like your average bank. We don’t have extensive queues that make you wait weeks for funding and we don’t discriminate based on credit history.

Why choose ALC?

We’re not like your average bank. We don’t have extensive queues that make you wait weeks for funding and we don’t discriminate based on credit history.

call Australian Lending centre now

We can help

Our team understands that not everybody is struggling, some people just need a better loan term with the highest quality of service and transparency.

Frequently asked questions about Australian lending centre

FAQ's

Whatever your situation, you are bound to have questions about our process, products and services, which we've compiled together for you.