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		<title>Blog Entries tagged 'mortgage broker'</title>
		<description>Blog Entries tagged 'mortgage broker'</description>
		<link>http://www.mychoicefinance.com.au</link>
		<lastBuildDate>Sat, 04 Feb 2012 22:07:15 +0100</lastBuildDate>
		<generator>FeedCreator 1.7.2</generator>
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			<title>Why Use a Mortgage Broker</title>
			<link>http://www.mychoicefinance.com.au/myblog/why-use-a-mortgage-broker.html</link>
			<description>The main reason people go to mortgage brokers is to get access to a greater range of mortgage options, for better service and for the mortgage broker's ability to negotiate with lenders. A mortgage broker offers loans from a panel of financial institutions, including banks and non-banks. Using a mortgage broker is now an essential part of scouring the market for the right home loan. In simple terms, brokers evaluate your situation against secure banks and lenders on their panel for the best deal [...]</description>
			<author>Vicky Edema</author>
			<pubDate>Tue, 03 Feb 2009 00:00:00 +0100</pubDate>
		<category>mortgage broker</category>
 <category>home finance</category>
 <category>first home buyer</category>
		</item>
		<item>
			<title>Use a mortgage broker to save time and money </title>
			<link>http://www.mychoicefinance.com.au/myblog/use-a-mortgage-broker-to-save-time-and-money.html</link>
			<description>Usually clients are busy people who don't want to spend their precious time searching for the best mortgage deal but still want the best deals available. They do need a qualified professional such as a mortgage broker they can trust to review the market and to look in detail at their circumstances. A mortgage broker can  and provide them with full mortgage information, the most competitive and suitable loan product, especially in the atmosphere of today's mortgage market which is becoming increa [...]</description>
			<author>Vicky Edema</author>
			<pubDate>Tue, 03 Feb 2009 00:00:00 +0100</pubDate>
		<category>mortgage broker</category>
 <category>home finance</category>
 <category>first home buyer</category>
		</item>
		<item>
			<title>Mortgage broker the way to go in Australia</title>
			<link>http://www.mychoicefinance.com.au/myblog/mortgage-broker-the-way-to-go-in-australia.html</link>
			<description>If you are in the market for a home loan then your best course of action is to obtain assistance from an experienced mortgage broker who is also accredited with the national industry body, the Mortgage Finance Association of Australia (MFAA). By dealing with a mortgage broker who is a member of the MFAA you are not only assured of the knowledge, experience and training of the mortgage broker but you also have access to a free and independent dispute resolution process should, for any reason, the [...]</description>
			<author>Vicky Edema</author>
			<pubDate>Tue, 03 Feb 2009 00:00:00 +0100</pubDate>
		<category>mortgage broker</category>
 <category>home finance</category>
 <category>first home buyer</category>
		</item>
		<item>
			<title>Mortgage Brokers in Australia will save you time and money</title>
			<link>http://www.mychoicefinance.com.au/myblog/mortgage-brokers-in-australia-will-save-you-time-and-money.html</link>
			<description>A mortgage broker offers loan products of various lenders. Essentially, a mortgage broker is a loan provider who serves as a contact between borrowers and lenders. &lt;br/&gt;A mortgage broker will learn the needs of the borrower and start researching the market for the best loan deal from lenders offering that particular type of mortgage loan. Mortgage brokers usually work with numerous lenders, attempting to match the right lender with each individual client – be you a first home buyer, upgrading to a  [...]</description>
			<author>Vicky Edema</author>
			<pubDate>Tue, 03 Feb 2009 00:00:00 +0100</pubDate>
		<category>mortgage broker</category>
 <category>home finance</category>
 <category>first home buyer</category>
		</item>
		<item>
			<title>3 Fears Of The First Home Buyer in Australia</title>
			<link>http://www.mychoicefinance.com.au/myblog/3-fears-of-the-first-home-buyer-in-australia.html</link>
			<description>&lt;br/&gt;One of the biggest fears of first home buyers everywhere, is that they may never get on to the property ladder at all. This is a real social stigma in Australia where 70% of people own, or are buying their own homes. &lt;br/&gt;&lt;br/&gt;&lt;br/&gt;The Federal Government’s ‘First Home Owner’ grant that was increased in October 2008 has encouraged a flood of calls to mortgage brokers. Young hopefuls are looking to take advantage of the grant to make that first big step toward a place of their own. Unfortunately th [...]</description>
			<author>Vicky Edema</author>
			<pubDate>Tue, 03 Feb 2009 00:00:00 +0100</pubDate>
		<category>mortgage broker</category>
 <category>home finance</category>
 <category>first home buyer</category>
		</item>
		<item>
			<title>First Home Buyers back in the market in Australia</title>
			<link>http://www.mychoicefinance.com.au/myblog/first-home-buyers-back-in-the-market-in-australia.html</link>
			<description>First Home Buyers back in the market in Australia&lt;br/&gt;&lt;br/&gt;All the signals are right if you are a first home buyer living in Australia. At no previous time has a first home buyer had access to a number of cash subsidies and savings that have resulted firstly from individual state government initiatives and secondly from initiative by the Federal Government to encourage first home buyers back into the market. By providing generous subsidies and grants it is hoped that more first home buyers will be out [...]</description>
			<author>Vicky Edema</author>
			<pubDate>Tue, 03 Feb 2009 00:00:00 +0100</pubDate>
		<category>mortgage broker</category>
 <category>home finance</category>
 <category>first home buyer</category>
		</item>
		<item>
			<title>Fabulous News For First Home Buyers</title>
			<link>http://www.mychoicefinance.com.au/myblog/fabulous-news-for-first-home-buyers.html</link>
			<description>What fabulous news for first home buyers, a whopping $21,000 towards deposit, expenses or even new furniture if you buy a brand new home before June 2009. So if you’re ready to take the plunge and sign up for what is likely to be the biggest commitment you’ve ever made, now, more than ever, seems to be the perfect time to get into the property market as a first home buyer. Even though your friends and family will be full of advice, as with any major decision in our lives, it’s always good to tak [...]</description>
			<author>Vicky Edema</author>
			<pubDate>Tue, 03 Feb 2009 00:00:00 +0100</pubDate>
		<category>mortgage broker</category>
 <category>home finance</category>
 <category>first home buyer</category>
		</item>
		<item>
			<title>The benefits of using a mortgage broker </title>
			<link>http://www.mychoicefinance.com.au/myblog/the-benefits-of-using-a-mortgage-broker.html</link>
			<description>There has been press recently concerning the benefits of using a mortgage broker when looking for home finance and car finance – yes, a mortgage broker will generally be able to assist you with your car finance as well as standard home finance and investment loans. &lt;br/&gt;&lt;br/&gt;&lt;br/&gt;The mortgage broker business boomed during the 1990s when there was a plethora of home finance and car finance loan products launched into the market. With increased competition from the non-bank sector and mortgage manage [...]</description>
			<author>Vicky Edema</author>
			<pubDate>Mon, 01 Dec 2008 00:00:00 +0100</pubDate>
		<category>new car finance</category>
 <category>mortgage broker</category>
 <category>home finance</category>
		</item>
		<item>
			<title>Where are home finance interest rates heading?</title>
			<link>http://www.mychoicefinance.com.au/myblog/where-are-home-finance-interest-rates-heading.html</link>
			<description>The good news is that home finance interest rates are heading south! The Reserve bank of Australia like other banks around the world has been effectively reducing the cost of home finance by cutting the Official Cash Rate over the past few months. Australia saw a drop of 1% in the cash rate in October and then another 0.75% in November and the likelihood is that the RBA will pass on a further rate cut in December. &lt;br/&gt;&lt;br/&gt;&lt;br/&gt;&lt;br/&gt;Some economists are forecasting that variable rate home finance will [...]</description>
			<author>Vicky Edema</author>
			<pubDate>Mon, 01 Dec 2008 00:00:00 +0100</pubDate>
		<category>new car finance</category>
 <category>mortgage broker</category>
 <category>home finance</category>
		</item>
		<item>
			<title>A mortgage broker can save you time and money</title>
			<link>http://www.mychoicefinance.com.au/myblog/a-mortgage-broker-can-save-you-time-and-money.html</link>
			<description>In Australia many lenders rely on a mortgage broker or mortgage brokers to generate new business for them. Many Australian banks closed their branch offices during the late 1980s as they turned to technology and internet banking to grow their businesses. The branch network was considered expensive to run. The banks believe it is far better to pay a mortgage broker to generate home finance loans and pay him a commission, only on success. The mortgage broker may interview and submit a number of ho [...]</description>
			<author>Vicky Edema</author>
			<pubDate>Mon, 01 Dec 2008 00:00:00 +0100</pubDate>
		<category>new car finance</category>
 <category>mortgage broker</category>
 <category>home finance</category>
		</item>
		<item>
			<title>A mortgage broker is worth his weight in gold</title>
			<link>http://www.mychoicefinance.com.au/myblog/a-mortgage-broker-is-worth-his-weight-in-gold.html</link>
			<description>A mortgage broker is worth his weight in gold&lt;br/&gt;&lt;br/&gt;I recently decided to refinance my home loan and my investment loan  and it was suggested to me that there was little need for a mortgage broker because it was easier enough to go direct to a bank and apply for a loan. I thought that I would speak with my own bank. The first frustration was I could not actually contact my branch direct. I had to phone a 1300 number which was a call centre operation outside of Australia. No one could assist me imme [...]</description>
			<author>Vicky Edema</author>
			<pubDate>Mon, 01 Dec 2008 00:00:00 +0100</pubDate>
		<category>new car finance</category>
 <category>mortgage broker</category>
 <category>home finance</category>
		</item>
		<item>
			<title>Australian Mortgage Broker</title>
			<link>http://www.mychoicefinance.com.au/myblog/australian-mortgage-broker.html</link>
			<description>I read an article recently that suggested that borrowers who use a mortgage broker pay more for their loan than if they go direct to the bank. It is extraordinary when this sort of poorly researched misinformation is published in a magazine. &lt;br/&gt;&lt;br/&gt;&lt;br/&gt;&lt;br/&gt;I have been involved ion the mortgage industry in Australia for over 25 years and during that time I have seen the growth of the mortgage broker market. In the early 1980s a mortgage broker was often affiliated with a stock or share broker. Pri [...]</description>
			<author>Vicky Edema</author>
			<pubDate>Mon, 01 Dec 2008 00:00:00 +0100</pubDate>
		<category>new car finance</category>
 <category>mortgage broker</category>
 <category>home finance</category>
		</item>
		<item>
			<title>Home finance interest rates getting lower by the day in Australia</title>
			<link>http://www.mychoicefinance.com.au/myblog/home-finance-interest-rates-getting-lower-by-the-day-in-australia.html</link>
			<description>First home buyers, investors and those looking to upgrade their property by way of home improvements or the purchase of a bigger home are all in a better position to do so than they were some six months ago when home finance interest rates were looking like hitting 10% p.a. In mid-2008 the Reserve Bank of Australia was lifting interest rates to curb inflation knowing that an increase in the Official Cash Rate would soon be passed on to home finance and investment loans. Home finance interest rat [...]</description>
			<author>Vicky Edema</author>
			<pubDate>Mon, 01 Dec 2008 00:00:00 +0100</pubDate>
		<category>new car finance</category>
 <category>mortgage broker</category>
 <category>home finance</category>
		</item>
		<item>
			<title>HOME FINANCE BENFITS FROM WORLDWIDE CREDIT CRUNCH</title>
			<link>http://www.mychoicefinance.com.au/myblog/home-finance-benfits-from-worldwide-credit-crunch.html</link>
			<description>There are not too many benefits coming out of the world wide credit crisis, but one at least, is the reducing home finance interest rates that we are now experiencing in Australia. Home finance is becoming more affordable as the Reserve Bank of Australia (RBA) drops interest rates. In October interest rates reduced by 1% p.a and then in November they reduced again by a further 0.75%. While the banks and other lending institutions may not always pass on the full rate reduction to their home finan [...]</description>
			<author>Vicky Edema</author>
			<pubDate>Mon, 01 Dec 2008 00:00:00 +0100</pubDate>
		<category>new car finance</category>
 <category>mortgage broker</category>
 <category>home finance</category>
		</item>
		<item>
			<title>Car finance becoming increasingly scarce in Australia</title>
			<link>http://www.mychoicefinance.com.au/myblog/car-finance-becoming-increasingly-scarce-in-australia.html</link>
			<description>The world economic global crisis has had a huge and negative impact on the car finance industry in Australia because the major suppliers of car finance here have recently withdrawn from the car finance market.  GE Money and GMAC who are believed to have had at least 60% of the car finance market in Australia have suddenly withdrawn from this market. While GE Money has continued to play in the credit card market where it has been increasing interest rates in Australia (as have many other lenders) [...]</description>
			<author>Vicky Edema</author>
			<pubDate>Mon, 01 Dec 2008 00:00:00 +0100</pubDate>
		<category>new car finance</category>
 <category>mortgage broker</category>
 <category>home finance</category>
		</item>
		<item>
			<title>Home finance – yes it is still available in Australia and at good rates</title>
			<link>http://www.mychoicefinance.com.au/myblog/home-finance-yes-it-is-still-available-in-australia-and-at-good-rates.html</link>
			<description>If you are in the market for home finance then the best bet is to speak with a mortgage broker who will have access to a wide range of home finance product and will be in a position to recommend the right home finance for you. Once an experienced mortgage broker has discussed your home finance needs with you and ascertains whether you prefer home finance with all the “bells and whistles” or rather just a basic home finance loan then he or she will be better able to suggest a few good home financ [...]</description>
			<author>Vicky Edema</author>
			<pubDate>Tue, 11 Nov 2008 00:00:00 +0100</pubDate>
		<category>mortgage broker</category>
 <category>home loan finance</category>
 <category>home finance</category>
 <category>cheap home loan</category>
		</item>
		<item>
			<title>A good mortgage broker may soon be hard to find!</title>
			<link>http://www.mychoicefinance.com.au/myblog/a-good-mortgage-broker-may-soon-be-hard-to-find-21.html</link>
			<description>What is happening in the mortgage broker space in the Australian finance market? With the global credit crisis continuing, the face of the home finance sector of the market is changing. Until recently Australians enjoyed sound competition between the banks, credit unions and non-bank sector. Because of the myriad of home finance packages and investment loans available a role developed for the mortgage broker. By securing the services of a good mortgage broker, a borrower could be pretty confiden [...]</description>
			<author>Vicky Edema</author>
			<pubDate>Tue, 11 Nov 2008 00:00:00 +0100</pubDate>
		<category>mortgage broker</category>
 <category>home loan finance</category>
 <category>home finance</category>
 <category>cheap home loan</category>
		</item>
		<item>
			<title>Car Finance under threat in Australia but there is still good car finance available</title>
			<link>http://www.mychoicefinance.com.au/myblog/car-finance-under-threat-in-australia-but-there-is-still-good-car-finance-available.html</link>
			<description>Car dealers and lease brokers are anxious as a result of GE Money’s withdrawal from the Australian car finance market. Only in September GE Money was reassuring business partners that it was “here for the long term” was “funded for 2008”&lt;br/&gt;and had “liquidity” at “competitive rates”. This all went out the window recently when GE Money announced that it was withdrawing from the car finance markets in Australia and New Zealand. GE Money claims that the cost of funding car finance has become too expe [...]</description>
			<author>Vicky Edema</author>
			<pubDate>Tue, 11 Nov 2008 00:00:00 +0100</pubDate>
		<category>new car loan</category>
 <category>new car finance</category>
 <category>mortgage broker</category>
		</item>
		<item>
			<title>The emergence of the mortgage broker in the Australian mortgage industry?</title>
			<link>http://www.mychoicefinance.com.au/myblog/the-emergence-of-the-mortgage-broker-in-the-australian-mortgage-industry.html</link>
			<description>&lt;br/&gt;During the 1990s there was huge growth in the number of mortgage brokers providing services to borrowers looking to purchase, refinance or endeavouring debt consolidation. This came about because of a number of factors prior to this time &lt;br/&gt;&lt;br/&gt;&lt;br/&gt;1. the choice of mortgages available to borrowers was pretty limited. You didn’t really need a mortgage broker if the decision was simply whether to take an interest only investment loan or a principal and interest home loan. The features within mo [...]</description>
			<author>Vicky Edema</author>
			<pubDate>Tue, 21 Oct 2008 00:00:00 +0100</pubDate>
		<category>mortgage broker</category>
 <category>home loan finance</category>
 <category>home finance</category>
 <category>cheap home loan</category>
		</item>
		<item>
			<title>Car finance in Australia – don’t go with the dealership until you have checked out other car finance</title>
			<link>http://www.mychoicefinance.com.au/myblog/car-finance-in-australia-don-t-go-with-the-dealership-until-you-have-checked-out-other-car-finance.html</link>
			<description>The mistake many buyers make when they are looking to purchase a new car is to settle their car finance with the dealership. Certainly there may be times that the car finance offered by the dealer is competitive but as a general rule you will find a better car finance package through other financiers in the car finance space. All too often, buyers of a new car are swept up in the emotion of driving that beautiful vehicle out of the car lot as soon as possible and think that the quickest way to d [...]</description>
			<author>Vicky Edema</author>
			<pubDate>Tue, 21 Oct 2008 00:00:00 +0100</pubDate>
		<category>new car loan</category>
 <category>new car finance</category>
 <category>mortgage broker</category>
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