Vicky Edema's Blog
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Oct 20

Car finance in Australia – don’t go with the dealership until you have checked out other car finance

Published in new car loannew car financemortgage broker by Vicky Edema |
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
Oct 19

Don’t deal with just any mortgage broker – deal with a mortgage broker who is a member of the Mortga

Published in new car loannew car financemortgage brokerhome loan financehome financecheap home loan by Vicky Edema |
I am an Australian citizen based in the UK and have been looking to purchase a property in Australia in anticipation of my returning home over the next few years. I had initially thought I would apply to my own bank but after speaking with an expatriate friend who recommended I seek the services of a mortgage broker, I did exactly that.

I asked my buddy what one should look out for when
Oct 19

In Australia, what does a mortgage broker offer you?

Published in new car loannew car financemortgage brokerhome loan financehome financecheap home loan by Vicky Edema |
While the banks have been trying hard to undermine the role of a mortgage broker in the new home loan application process, there is no doubt that borrowers who utilise the services of a mortgage broker are much better informed and invariably obtain a home loan that is better suited to their needs.

If a home loan borrower approaches their own bank for a home loan one would hope that the bank
Oct 19

Do not underestimate the value of a mortgage broker in Australia

Published in new car loannew car financemortgage brokerhome loan financehome financecheap home loan by Vicky Edema |
Many banks have recently taken advantage of the global credit crunch to reduce the commissions paid to a mortgage broker within a bank’s mortgage broker distribution network. Over the past 15 or so years, the majority if not all of the banks have relied on mortgage brokers to generate a significant portion of their new business. Why did the banks cultivate this distribution channel so fervently?
Sep 25

Mortgage Brokers In Australia

Published in mortgage brokerhome loan financehome financecheap home loan by Vicky Edema |
Mortgage Brokers In Australia most people go to mortgage brokers 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. In Australia there are literally hundreds of lenders with many options, that were
Sep 25

Mortgage Broker – Take the stress out of finding the right loan for you

Published in mortgage brokerhome loan financehome financecheap home loan by Vicky Edema |
It became apparent to me after weeks of researching lenders, products, rates, etc, that I was fighting an uphill battle to find a loan that best suited my particular needs. It was then I decided to contact a mortgage broker, and for some strange reason, I had felt hesitant about contacting a mortgage broker in the past because I just didn’t know exactly what they were capable of doing for me.
Sep 25

A mortgage broker named Mark

Published in mortgage brokerhome loan financehome financecheap home loan by Vicky Edema |
A mortgage broker named Mark
Wrote home loans from dawn til dark
He would visit at home
Could arrange any loan
Was polite and bright as a spark!

But a mortgage broker named Dan
Was a devious and shifty man
If you went with his loan
You’d risked losing your home
Plus your family, your car and the can!

Yes, there is quite a difference between a dedicated and experienced mortgage
Sep 07

A new car loan from the dealer is not always the best choice for your new car finance

Published in new car loannew car finance by Vicky Edema |
When purchasing a new car it is always very easy to be swept away in the excitement of it all and want to take delivery as quickly as possible. To do this it is simply a matter of agreeing on the price of your new car and signing the necessary documents for a new car loan. All done and dusted. But just how much more have you paid for your new car and your new car loan because of your “want it
Sep 07

Found the perfect new car – now find the perfect new car loan!

Published in new car loannew car finance by Vicky Edema |
If you are lucky enough to be looking for a new car then make sure that before signing up for the new car and the new car finance you check out the price competitiveness and the options available for a new car loan.

While most buyers believe they are in the box seat when negotiating the purchase price of a new car and the terms of a new car loan the reality is that more often than not a better
Sep 07

What to look for in a mortgage broker

Published in mortgage brokerhome loan financehome financecheap home loan by Vicky Edema |
I recently needed the services of a mortgage broker and decided to check out the best way of going about finding a reputable one. Here are some tips:

  • If you want to track down a good mortgage broker ask your friends if they have had any dealings with one that they could recommend. I asked around and was surprised to find how many of my mates used a mortgage broker when looking for home
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