For many borrowers, especially those navigating multiple loans or credit lines, credit utilisation ratio (CUR) is a key metric that influences both credit scores and overall financial health. But what is it exactly?
A solid financial plan helps set long-term goals, secure your future, manage money wisely, and achieve milestones like retirement or buying a home.
This is the all-in-one blog for moving house on a budget. We provide crucial tips & checklists to make your move as smooth & affordable as possible.
We explain the key factors to consider when deciding whether to refinance a home loan with bad credit. Find out if it’s a suitable option for you here.
Property flipping isn’t as easy as it sounds, but knowledge is power. Learn the 5 best property flipping tips to maximise returns…
As 2021 continues to challenge us, Aussies now face the hurdle of rising house prices. Find out about the increase and get help here.
Are you self-employed and worried that you don’t have the documentation required to get home loan approval? Learn how to get a home loan self-employed here.
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.
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.
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.
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.
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.
We discuss the consequences of facing a default on home equity loans and reveal 6 tips to help you maintain your financial health and your home.
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.
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.
Tapping a home equity is now more natural just like mowing the lawn. If you are a homeowner and you want to maximise your ownership
You may have heard a lot about the mortgage term ‘refinancing’. Used effectively, refinancning your home can be a great way to consolidate debt, release home equity and get a better interest rate.
Refinancing refers to the process of paying off your current loan with a second loan. If the timing is right for you, refinancing can be a very beneficial exercise and may ultimately save you thousands.
For over 30 years, the Australian Lending Centre has provided access to a wide range of financial solutions including Personal Loans, Debt Consolidation and Mortgage Refinance.
Applying with us has no impact on your credit score, so you could gain approval even if you’ve been rejected elsewhere.
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