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Archive for the Category ‘Offset Mortgages’

Qualifying For A Bad Credit Mortgage – An Inside Look

Qualifying For A Bad Credit Mortgage – An Inside Look


Knowledge is, indeed, that which, next to virtue, truly and essentially raises one man above another – Joseph Addison
There is little doubt that purchasing a new home is one the biggest financial decision most people face but finding the right house that you can call home is becoming an increasingly difficult task.
Step one in the [...]

The Global Effect of the US Meltdown on Non Conforming Lending on the Australian Mortgage Market

The Global Effect of the US Meltdown on Non Conforming Lending on the Australian Mortgage Market


Following the recent US sub-prime issues and Global Capital Market events the flow on effects have placed increasing pressure on interest rates for Australian housing loans. The funds holders are nervous and are increasing the costs of funds to hedge their investment. So trying to understand where the Australian Capital Markets are going [...]

A Close Look at an Accelerated Mortgage Loan

A Close Look at an Accelerated Mortgage Loan


There are a few things that make a mortgage acceleration loan different from a standard mortgage loan and the first one is that the total interest owed on the loan is calculated with regards to exactly how much you have remaining on the balance of the loan. His means that every time you make a [...]

Buy Down Mortgages

Buy Down Mortgages


If you are looking to get lower payments on a mortgage for a few years and still be able to secure a sizable mortgage loan a buy down mortgage may be a good choice for you. This type of loan comes in three different forms; a temporary buy down loan, a compressed buy down mortgage, [...]

Reverse Mortgages Can Reverse your Luck!

Reverse Mortgages Can Reverse your Luck!


Looking after an aging parent in their own home often seems to be a good solution to an awkward problem. However, depending on the type of financing on the property in question, things could get difficult.

It is certainly a solution that needs to be thoroughly investigated before it is set into place. Many parents [...]

An Introduction to Mortgage Grading (quality)

An Introduction to Mortgage Grading (quality)


Residential Mortgage Backed Securities (whether Agency or Non-Agency) are also called RMBS or simply MBS. MBS are a type of security called a bond whose coupon and principal payments are paid for by the cash flows of a pool of individual mortgages. The individual mortgages back (or support) the payments on the bonds therefore they [...]

Mortgages, Just a Question of Punching in Numbers on a Calculator?

Mortgages, Just a Question of Punching in Numbers on a Calculator?

Financial institutions are wary to extend loans now more than ever before. The stability of the economy plays an important role in whether one would even be considered for a mortgage approval. Another role is the financial situation of the institution [...]

Home Mortgage Refinance – Getting the Best Deal Possible

Home Mortgage Refinance – Getting the Best Deal Possible

Choose your broker

Selecting a broker is much more than just using the Yellow Pages and finding a mortgage broker. When you are going for a home mortgage refinance, you should look for a broker or lender who specializes in this type of loan. In addition, your broker should be willing to work with you in [...]

Budget 2008 – What Impact on Mortgages in Ireland?

Budget 2008 – What Impact on Mortgages in Ireland?


Galway, Ireland, October 13th 2008: With the most difficult budget in decades facing us today, it will be interesting to say the least to see what will happen with mortgages in Ireland.
While the recent half of one percent cut in mortgage interest rates was very welcome, the likely increase in personal income taxes along with [...]

Mortgages And Interest Rates

Mortgages And Interest Rates


Interest rates can affect the type of mortgage you choose and dictate when it’s wise to make a change. Here are a few of the factors that can be affected by a swing in interest rates:
Choosing a mortgage
When interest rates are rising, a fixed-rate mortgage is usually a good choice, since it locks in the [...]

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