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<title>Otto Dargan - EzineArticles Expert Author</title>
<link>http://EzineArticles.com/expert/Otto_Dargan</link>
<pubDate>Wed, 15 Feb 2012 01:34:13 -0600</pubDate>
<image><title>Otto Dargan - EzineArticles Expert Author</title>
<link>http://EzineArticles.com/expert/Otto_Dargan</link>
<url>http://EzineArticles.com/images/ea_logo.jpg</url>
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<language>en-us</language>
<copyright>Copyright 2012 EzineArticles.com - All Rights Reserved.</copyright>
<description><![CDATA[Otto is the director of Mortgage Broking firm the Home Loan Experts based in Sydney, Australia.  

The Home Loan Experts and its associated companies deal with over fourty lenders including the major banks. This diversity of funding gives the company several wide areas of expertise within the Australian finance & mortgage broking industry.

Otto's areas of expertise include non-resident loans, low doc loans and many other difficult or complex types of lending.

Do you need content for your website? Feel free to contact Otto if you would like a guest contribution.]]></description>
<lastBuildDate>Fri, 12 Aug 2011 08:51:48 -0500</lastBuildDate>
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<title>5 Essential Tips To Saving a Deposit For Your First Home</title>
<link>http://EzineArticles.com/6474035</link>
<guid>http://EzineArticles.com/6474035</guid>
<pubDate>Fri, 12 Aug 2011 08:51:48 -0500</pubDate>
<description><![CDATA[Trying to get into the property market and not having much of a deposit can be done, but those that have a good amount to contribute to their deposit usually are better off. Even though you can buy a home with less than a 20% deposit, it will be much more difficult to get a loan. However, people who can show that they are able to save their money will appeal more to lenders. If you prefer to have less interest to pay in the long run, it would be best to have more of a deposit rather than less.]]></description>
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<title>5 Essential Tips To Saving A Deposit For Your Home</title>
<link>http://EzineArticles.com/6468838</link>
<guid>http://EzineArticles.com/6468838</guid>
<pubDate>Wed, 10 Aug 2011 12:45:36 -0500</pubDate>
<description><![CDATA[What are the secrets to saving a large deposit quickly? With the right strategy and the determination to change the way you manage your money, you can achieve your dream of home ownership in no time!]]></description>
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<title>On An Australian Temporary Resident Visa And Looking For Property? Apply For A Mortgage Today!</title>
<link>http://EzineArticles.com/6381590</link>
<guid>http://EzineArticles.com/6381590</guid>
<pubDate>Fri, 05 Aug 2011 08:57:55 -0500</pubDate>
<description><![CDATA[Foreigners working in Australia are often here on temporary visas such as the 457 temporary long stay visa. Many decide to look for real estate and property and apply for a temporary resident mortgage. If you are in the market and have been working in Australia for over 12 months you should be eligible to apply. Read on to find out what you need to know!]]></description>
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<title>An Australian Provisional Skilled Regional Sponsored Visa Can Help You Move To Australia!</title>
<link>http://EzineArticles.com/6339110</link>
<guid>http://EzineArticles.com/6339110</guid>
<pubDate>Fri, 15 Jul 2011 08:02:00 -0500</pubDate>
<description><![CDATA[Do you want to move to Australia? Was your application for a permanent resident visa declined? As an overseas student or holder of a number of different Australian visas, you may be eligible to apply for the Provisional Skilled-Regional Sponsored Visa (subclass 487). This visa enables you to stay in specific regional areas of Australia whilst you build up the skills, qualifications and other criteria required to successfully apply for permanent residency.]]></description>
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<title>Mortgage Broking In The USA, UK and Australia - How Do They Differ?</title>
<link>http://EzineArticles.com/6381743</link>
<guid>http://EzineArticles.com/6381743</guid>
<pubDate>Wed, 06 Jul 2011 14:19:06 -0500</pubDate>
<description><![CDATA[A mortgage broker acts on behalf of an individual customer or business in the purchase of real estate, working as an intermediary between them and a lender. Industry regulations differ slightly from country to country leading to differences in how brokers work, how they are paid and consequently how much and how the borrower will pay. Read on to discover what differences there are between the UK, US and Australian markets and why they exist.]]></description>
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<title>Visiting Australia? Buy Real Estate Through A Mortgage Broker!</title>
<link>http://EzineArticles.com/6376623</link>
<guid>http://EzineArticles.com/6376623</guid>
<pubDate>Wed, 06 Jul 2011 11:34:53 -0500</pubDate>
<description><![CDATA[Factors to consider when applying for a mortgage whilst in Australia include the the nature of your visit - that is on a working visa or holiday, your length of stay and your employment status. To help you with this you can use the services of a Mortgage Broker. Brokers work with many different lenders meaning that regardless of your visiting situation, be it a temporary visa or just a family holiday, they will know a bank or lender that you are eligible to apply to. They remove much of the risk of being declined by assessing your application BEFORE they submit it to a lender.]]></description>
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<title>Buying Australian Mortgages While Overseas - Things You Need To Know!</title>
<link>http://EzineArticles.com/6387298</link>
<guid>http://EzineArticles.com/6387298</guid>
<pubDate>Wed, 06 Jul 2011 11:33:07 -0500</pubDate>
<description><![CDATA[Investing in Australian real estate can be done without setting your feet within its borders! Non-residents, temporary residents and Australian expatriates are all eligible to apply. From buyers agents to conveyancers, the real estate professionals are here to assist you in your purchase of an Australian home or investment property from anywhere in the word. Contact an Australian mortgage broker who works with many different lenders and you will be well on your way to financing an Australian Mortgage.]]></description>
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<title>Moving To Australia: Special Visas For Doctors And Nurses!</title>
<link>http://EzineArticles.com/6341556</link>
<guid>http://EzineArticles.com/6341556</guid>
<pubDate>Thu, 30 Jun 2011 13:05:46 -0500</pubDate>
<description><![CDATA[There are many options available for a doctor to get a Visa in Australia. DoctorConnect is an Australian Government program that has been developed by the Department of Health and Ageing for Australian medical employers and foreign doctors and nurses that have been trained outside of Australia. Australia has a significant shortage of qualified nurses, making this one of the easiest ways to gain entry into Australia. Visa applications from nurses are processed faster than normal visa applications, in attempt to fill this skills shortage.]]></description>
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<title>Work In Australia By Getting An Employer Sponsored 457 Temporary Business Visa!</title>
<link>http://EzineArticles.com/6340754</link>
<guid>http://EzineArticles.com/6340754</guid>
<pubDate>Thu, 30 Jun 2011 13:02:45 -0500</pubDate>
<description><![CDATA[This is the program where employers can sponsor or become a guarantor to an overseas worker who will be working in Australia temporarily. The visa will be processed by the employer so that the worker can legally work in the country. Qualified employees who have an Australian Businesses or Overseas businesses can acquire the Visa. They can apply for the Temporary - Standard Business Sponsorship for Employer Sponsored Workers (Subclass 457) and Long Stay Temporary Business Visa 457. There are new sponsorship obligations that employers need to know about.]]></description>
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<title>NRAS Investments - How Can You Benefit From The Tax Free Incentives?</title>
<link>http://EzineArticles.com/6384282</link>
<guid>http://EzineArticles.com/6384282</guid>
<pubDate>Thu, 30 Jun 2011 12:04:59 -0500</pubDate>
<description><![CDATA[The National Rental Affordability Scheme (NRAS) was launched in 2008 as a way to boost the market for lower-cost rental units while encouraging property investment through tax-free incentives. The goal is to increase the number of affordable rental properties across the country by 50,000 by the year 2014. Find out how NRAS works and if you can benefit by investing in an NRAS investment property...]]></description>
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<title>What Is A Guarantor? Get The Facts And Apply Today!</title>
<link>http://EzineArticles.com/6341572</link>
<guid>http://EzineArticles.com/6341572</guid>
<pubDate>Tue, 28 Jun 2011 11:28:39 -0500</pubDate>
<description><![CDATA[A guarantor is often used for another person that has challenged credit or does not make enough money to cover the amount requested for the loan or mortgage. This process allows a person to receive the items they desire. Banks are reassured that another party will be responsible in the event that the borrowing party cannot meet their responsibilities. The guarantor must have sufficient assets to cover the debt.]]></description>
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<title>Move To Australia On A Graduate Visa! Visas For Graduates Of A Foreign University</title>
<link>http://EzineArticles.com/6341458</link>
<guid>http://EzineArticles.com/6341458</guid>
<pubDate>Thu, 23 Jun 2011 11:05:02 -0500</pubDate>
<description><![CDATA[One of the ways in which foreign citizens can live in Australia temporarily is through the Recognised Graduate Visa (Subclass 476). This visa allows the holder, who must be a graduate of a qualified foreign university, to live and work in Australia for a period of up to 18 months in an under-served occupation. The 476 visa is often used as a pathway to permanent residency in Australia. A holder of this visa can apply to become a permanent resident at any point during their stay in Australia.]]></description>
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<title>How Can A Business Development Visa Allow Investors To Come To Australia?</title>
<link>http://EzineArticles.com/6340712</link>
<guid>http://EzineArticles.com/6340712</guid>
<pubDate>Tue, 21 Jun 2011 13:50:10 -0500</pubDate>
<description><![CDATA[There are several types of visas that are granted in Australia to people who are interested in investing in a business there. The first one we will discuss is the Investor (Provisional), also known as Subclass 162. This type of visa is for people who are not presently residing in Australia. We will take a look at a couple of different types of visas and explain what they are, how to apply for them, what the requirements are for getting one, and other issues involving these visas.]]></description>
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<title>Family Pledge Mortgages: Get The Facts And Apply Today</title>
<link>http://EzineArticles.com/6341907</link>
<guid>http://EzineArticles.com/6341907</guid>
<pubDate>Tue, 21 Jun 2011 13:33:19 -0500</pubDate>
<description><![CDATA[If your financial history does not allow you to receive approval for a home loan on your own, you might have more luck if you take advantage of the power of family pledge mortgages. This is when a family member agrees to offer support for your loan by putting up equity in their own property or providing income assistance. This can also be beneficial for people who want to apply for a loan on a home that is too expensive for them to apply for under normal circumstances.]]></description>
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<title>Can The Banks Accept Your Bonus Income? Learn How To Get Your Mortgage Approved!</title>
<link>http://EzineArticles.com/6341927</link>
<guid>http://EzineArticles.com/6341927</guid>
<pubDate>Tue, 21 Jun 2011 13:33:10 -0500</pubDate>
<description><![CDATA[Some home buyers are employed by companies that provide bonuses as incentives to their employees in addition to their regular salary. This form of income is inconsistent and cannot be counted on by banks as reliable income. Bonuses are paid for at the employer's discretion. Therefore, the bonuses are difficult to factor in how predictably a borrower can meet their financial obligations.]]></description>
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<title>Going Guarantor: Everything You Need To Know In A Nutshell</title>
<link>http://EzineArticles.com/6341936</link>
<guid>http://EzineArticles.com/6341936</guid>
<pubDate>Tue, 21 Jun 2011 13:29:57 -0500</pubDate>
<description><![CDATA[A guarantor is somebody who agrees that they will be held partially or entirely responsible for a loan if the borrower is unable to make the payments. If you are thinking about becoming a guarantor for somebody, you should realize that you are performing a massive favor for them. You are making it possible for them to apply for a loan that they would not otherwise be able to apply for, and you are doing so at your own risk. So what do you need to know before you guarantee a mortgage?]]></description>
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<title>Australian Religious Worker Visa: Get The Facts And Apply Today!</title>
<link>http://EzineArticles.com/6341470</link>
<guid>http://EzineArticles.com/6341470</guid>
<pubDate>Tue, 21 Jun 2011 13:28:31 -0500</pubDate>
<description><![CDATA[Are you a clergyman who will be travelling overseas to assist your sponsoring religious organization? Are you interested in a visa that can also help you obtain great mortgage deals? Then the Religious Worker Visa (Subclass 428) is right for you! The Religious Worker Visa allows a religious worker (such as spiritual leaders, ministers and priests) from abroad to relocate to Australia so that you may do just that. This visa enables you to stay in Australia for a maximum of two years during which you must be actively pursuing your position's duties.]]></description>
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<title>Visas For International Students and Graduates Living In Australia</title>
<link>http://EzineArticles.com/6341438</link>
<guid>http://EzineArticles.com/6341438</guid>
<pubDate>Tue, 21 Jun 2011 13:23:50 -0500</pubDate>
<description><![CDATA[There are many different visas available to foreigners wishing to live and work in Australia on a temporary basis or for those who wish to move to Australia temporarily as a stepping stone to permanent citizenship. Each visa is geared toward a specific demographic of applicants that must meet certain qualifications. This visa, known as the Graduate visa (485), is intended for students from countries other than Australia that meet certain conditions.]]></description>
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<title>Provisional Business Development For Business Owners Visa: Get The Facts And Apply Today!</title>
<link>http://EzineArticles.com/6340690</link>
<guid>http://EzineArticles.com/6340690</guid>
<pubDate>Tue, 21 Jun 2011 13:12:54 -0500</pubDate>
<description><![CDATA[If you've been dreaming of launching a business venture in Australia, there are two different provisional visa subclasses you'll need to choose from. To be eligible for either of these provisional visas, you'll need to prove that you are already leading a successful business career. Both visas are very similar in nature, with just a few key differences.]]></description>
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<title>Travel To Australia On A Film Or Media Visa!</title>
<link>http://EzineArticles.com/6339058</link>
<guid>http://EzineArticles.com/6339058</guid>
<pubDate>Tue, 21 Jun 2011 13:07:50 -0500</pubDate>
<description><![CDATA[If you're looking to relocate to pursue a career in media or film, Australia is the perfect destination. The Australian government has made it easy for foreign film and media staff members to apply for a visa and to become residents. The visa you need is called the Media And Film Staff Visa (Subclass 423). This visa covers foreign journalists, filmmakers, and their support crews who will be temporarily working in Australia.]]></description>
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<title>Get An Australian Sport Visa Today!</title>
<link>http://EzineArticles.com/6339045</link>
<guid>http://EzineArticles.com/6339045</guid>
<pubDate>Tue, 21 Jun 2011 13:07:31 -0500</pubDate>
<description><![CDATA[The government doesn't hand out visas to just anyone, but if you're an athlete or are involved in a sport, then you may have found your way into the country. The Sport Visa (Subclass 421) is designed to help improve the sports scene in Australia by having non-citizens participate in high-level competition and to train with Australian residents. The government will issue Sport Visas upon approval to athletes, judges, adjudicators, and coaches.]]></description>
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<title>How Can A Mortgage Broker Help You To Get Approved?</title>
<link>http://EzineArticles.com/6341900</link>
<guid>http://EzineArticles.com/6341900</guid>
<pubDate>Tue, 21 Jun 2011 13:04:39 -0500</pubDate>
<description><![CDATA[Mortgage brokers are growing ever more popular as the process of finding and obtaining a mortgage becomes increasingly complicated. Acting as your personal contact with the lending community, they keep you informed about and updated about the latest financial products to hit the market. A bank is unlikely to lie to you, but they certainly aren't going to tell you where you can find a better deal. This is where mortgage brokers come in.]]></description>
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<title>Travel To Australia With An Entertainment Visa!</title>
<link>http://EzineArticles.com/6338978</link>
<guid>http://EzineArticles.com/6338978</guid>
<pubDate>Tue, 21 Jun 2011 12:50:19 -0500</pubDate>
<description><![CDATA[The subclass 420 visa is also known as the Entertainment Visa, designed to protect those Australians employed in Australia's entertainment industry while still allowing the Australian community to experience a variety of cultural activities and social events. The 420 visa is intended for those foreign citizens that wish to work temporarily in Australia's entertainment industry.]]></description>
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<title>Are You An Executive Looking For A Visa? Apply For A Provisional Business Development Visa Today!</title>
<link>http://EzineArticles.com/6340698</link>
<guid>http://EzineArticles.com/6340698</guid>
<pubDate>Tue, 21 Jun 2011 12:48:16 -0500</pubDate>
<description><![CDATA[Professional and executive business people working in Australia are receiving more supports now, than ever. The Australian government is making it very simple to access home loans and mortgages so international business people and those who want to make temporary business re-locations to Australia can also buy a home. The rules and financial requirements have been tailored to support this process.]]></description>
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<title>What Is A Foreign Government Agency Visa? Get The Facts Today!</title>
<link>http://EzineArticles.com/6339021</link>
<guid>http://EzineArticles.com/6339021</guid>
<pubDate>Tue, 21 Jun 2011 12:42:19 -0500</pubDate>
<description><![CDATA[Most people don't realize that there are many different types of visas. The foreign government agency visa, or 415 visa, is designed for people who are entering the country of Australia on behalf of their government. People considering moving to Australia can use this time to learn all they can about the culture and lifestyle before making a permanent decision.]]></description>
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<title>Family Guarantees: Get The Facts And Get Your Mortgage Approved</title>
<link>http://EzineArticles.com/6196776</link>
<guid>http://EzineArticles.com/6196776</guid>
<pubDate>Wed, 20 Apr 2011 16:14:21 -0500</pubDate>
<description><![CDATA[A family guarantee allows family members to secure a loan or act as a guarantor on behalf of another family member. Parents or siblings may offer assets to back the loan and provide assurance to the bank that the loan will be paid according the terms provided in the guarantee. Family guarantees are used for first time home buyers, vehicle loans and other investment properties. Personal investment loans may also qualify for a family guarantee. Find out how to qualify for a loan and get your approval!]]></description>
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<title>What Is A Guarantee? What Are The Dangers Of Being A Guarantor?</title>
<link>http://EzineArticles.com/6180553</link>
<guid>http://EzineArticles.com/6180553</guid>
<pubDate>Mon, 18 Apr 2011 08:27:43 -0500</pubDate>
<description><![CDATA[A guarantee is usually signed by a guarantor that will serve as a financial backer for a loan. Guarantors are usually obtained for a home loan, vehicle loan or business loan. The extra security gives the bank assurance that the loan will be paid and not default. Having a guarantor will help you get your loan approved, however, being a guarantor can be dangerous. Find out more with this essential guide to becoming a guarantor.]]></description>
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<title>Working In Australia As A Temporary Resident: 457 Visas Explained</title>
<link>http://EzineArticles.com/6132639</link>
<guid>http://EzineArticles.com/6132639</guid>
<pubDate>Wed, 06 Apr 2011 13:51:04 -0500</pubDate>
<description><![CDATA[Have you ever wanted to pack up and move to Australia? How does it all work? Find out the terms and conditions of employment in Australia as a Foreign Citizen and how to apply for your visa.]]></description>
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<title>457 Visa Mortgage: How A Temporary Resident Can Get A Home Loan</title>
<link>http://EzineArticles.com/5970997</link>
<guid>http://EzineArticles.com/5970997</guid>
<pubDate>Thu, 17 Mar 2011 15:13:52 -0500</pubDate>
<description><![CDATA[Now you're living here, you are wanting to buy a property and make this beautiful country seem more like home - am I right? Well guess what - you can! You don't have to wait until you apply for your Permanent Residency before buying a home, and you won't have to pay a cent more in interest than an Australian Citizen! Read on to find out how temporary residents can get approved for a mortgage...]]></description>
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<title>What Is a Family Pledge Mortgage? No Deposit Required!</title>
<link>http://EzineArticles.com/6010083</link>
<guid>http://EzineArticles.com/6010083</guid>
<pubDate>Wed, 16 Mar 2011 11:14:47 -0500</pubDate>
<description><![CDATA[A Family Pledge (or Guarantor) Home Loan is basically a mortgage which is supported by a family members equity in their property; this allows you to purchase a home where you would otherwise not be eligible for a home loan with a financial institution. You can now borrow 100% without the need for a deposit! Find out how to get your mortgage approved!]]></description>
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<title>Mortgage Options For A Contractor Or Freelancer</title>
<link>http://EzineArticles.com/5972110</link>
<guid>http://EzineArticles.com/5972110</guid>
<pubDate>Fri, 04 Mar 2011 14:46:07 -0600</pubDate>
<description><![CDATA[Are you a self employed contractor? Freelancers, consultants, or contractors find it difficult to locate mortgages that offer the best value and a lower interest rate. Banks and financial institutions often consider the income of these individuals to be unreliable, because the income is not as regular as it is for normal PAYG employees. Find out if you qualify for a home loan and how to get approved!]]></description>
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<title>Temporary Resident Mortgage - How To Get Your Australian Home Loan Approved!</title>
<link>http://EzineArticles.com/5958891</link>
<guid>http://EzineArticles.com/5958891</guid>
<pubDate>Sat, 26 Feb 2011 12:06:52 -0600</pubDate>
<description><![CDATA[You may not be an Australian national, however that does not mean you should be denied the right to own property within Australia. There are a number of ways you may go about obtaining a mortgage when you are not an actual citizen of Australia, although there are some ways that will increase your chances of obtaining an approval. Temporary residents in Australia may be living within the country for a number of reasons such as for university, employment, or even relationships. For those of you that may be looking at an extended stay, you may be interested in purchasing a property instead of renting. Find out how to get your mortgage approved!]]></description>
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<title>New Job and On Probation Mortgages - Find Out How to Get Approval!</title>
<link>http://EzineArticles.com/5955960</link>
<guid>http://EzineArticles.com/5955960</guid>
<pubDate>Fri, 25 Feb 2011 18:53:09 -0600</pubDate>
<description><![CDATA[It can be difficult to get approval for large loans of any kind if you have only been employed for a short time. A six month minimum employment is what most banks and other lenders require. You may have a fantastic salary and can easily afford the repayments, however new jobs, especially those including a probationary period are considered higher risk. Find out how you can get approved, regardless of your short term employment!]]></description>
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<title>Expatriate Australian Home Loans: How To Get Mortgage Approval While Living Overseas!</title>
<link>http://EzineArticles.com/5588609</link>
<guid>http://EzineArticles.com/5588609</guid>
<pubDate>Thu, 30 Dec 2010 21:31:36 -0600</pubDate>
<description><![CDATA[Did you know that expat Aussies can still qualify for an Australian home loan? The secret to approval is to apply with a bank that has credit policies that are favourable for non-resident borrowers. Find out how to apply for a mortgage, provide identification, provide income evidence and get your loan offer witnessed when you are overseas. Most importantly, find out how to get approved!]]></description>
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<title>Home Loans For Doctors! How To Negotiate A Low Interest Rate!</title>
<link>http://EzineArticles.com/5381784</link>
<guid>http://EzineArticles.com/5381784</guid>
<pubDate>Mon, 22 Nov 2010 14:23:50 -0600</pubDate>
<description><![CDATA[Who, you might ask, is applicable? Any medicine doctor, given the right position & circumstance, can apply for a discounted loan. Whether your position ends in -eon, -cian, -trist, or -gist, guess what? You can qualify! The exact list of qualifying professions varies between lenders, please check with your mortgage broker to see if you qualify with a particular bank. Negotiate a lower rate, you would be surprised how low the banks can go!]]></description>
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<title>Home Loans For Medical Professionals - How Doctors Can Negotiate A Red Hot Interest Rate</title>
<link>http://EzineArticles.com/5355156</link>
<guid>http://EzineArticles.com/5355156</guid>
<pubDate>Wed, 10 Nov 2010 10:57:41 -0600</pubDate>
<description><![CDATA[As a doctor, you know that many businesses will consider you to be a special customer and will offer you additional discounts that are not available to the general public. Did you know that this applies for mortgages as well?]]></description>
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<title>Over 55's Housing - New SEPP 5 Investments Can Be Financed!</title>
<link>http://EzineArticles.com/5139644</link>
<guid>http://EzineArticles.com/5139644</guid>
<pubDate>Mon, 11 Oct 2010 10:09:50 -0500</pubDate>
<description><![CDATA[Borrowing to buy an investment property isn't easy. However financing a house or unit in an Over 55's independent living estate is even harder! Most banks can't approve a mortgage for you, however there are some new innovative ways to finance housing for the older generations. Read on to find out how.]]></description>
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<title>Failed Credit Score - When The Bank Says No, You Can Fight Back!</title>
<link>http://EzineArticles.com/5109286</link>
<guid>http://EzineArticles.com/5109286</guid>
<pubDate>Tue, 05 Oct 2010 14:49:11 -0500</pubDate>
<description><![CDATA[There is nothing worse than being told that your loan has been declined because of some silly score in the banks system. Don't be a number, don't be a victim, learn how the system works and fight back! With the right knowledge and some simple changes to your credit behaviour you can pass the credit scoring system and get approved!]]></description>
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<title>8 Essential Rules Of Home Design - Build The Perfect Home For Less</title>
<link>http://EzineArticles.com/5108782</link>
<guid>http://EzineArticles.com/5108782</guid>
<pubDate>Tue, 05 Oct 2010 13:36:39 -0500</pubDate>
<description><![CDATA[Have you lived in a house with a layout that just wasn't quite right? Designing the right floor plan & layout is critical, yet most Architects don't understand what your family's specific needs are. If you want your dream home, without the castle in the sky price, then you need to know the essential rules of good home design.]]></description>
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<title>National Rental Affordability Scheme (NRAS) - Incredible Tax Breaks For Investors</title>
<link>http://EzineArticles.com/5108870</link>
<guid>http://EzineArticles.com/5108870</guid>
<pubDate>Tue, 05 Oct 2010 13:29:04 -0500</pubDate>
<description><![CDATA[The National Rental Affordability scheme is an incentive from the government to stimulate the rental market in Australia with the aim to increase supply of rental properties by 50,000 new dwellings by 2012. The government understands that rental affordability affects the ongoing living and savings of renters in the market place which makes it harder for renters to purchase their own home. The tax incentives for investors are incredible! Find out how the program works and how your can slash your tax bill while making money from your investment property!]]></description>
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<title>Lenders Guidelines Revealed: The Truth About How Banks Assess Loan Applications!</title>
<link>http://EzineArticles.com/5108513</link>
<guid>http://EzineArticles.com/5108513</guid>
<pubDate>Tue, 05 Oct 2010 13:09:31 -0500</pubDate>
<description><![CDATA[Have you ever wondered what the banks are looking for? Why is it that some applications are declined without any good reason. Find how how the banks assess mortgage applications and what you need to do to get your loan approved!]]></description>
</item>
<item>
<title>Home Financing - Low Rate Home Loans Are Back!</title>
<link>http://EzineArticles.com/5074889</link>
<guid>http://EzineArticles.com/5074889</guid>
<pubDate>Wed, 29 Sep 2010 09:06:10 -0500</pubDate>
<description><![CDATA[The banks saw the global crisis as an opportunity to play games with our interest rates. Now a few select lenders have seen the opportunity to offer lower rates to gain market share. Find out how you too can access a cheaper mortgage!]]></description>
</item>
<item>
<title>Home Loan Features - Mortgage Jargon Explained!</title>
<link>http://EzineArticles.com/5041680</link>
<guid>http://EzineArticles.com/5041680</guid>
<pubDate>Tue, 21 Sep 2010 13:48:10 -0500</pubDate>
<description><![CDATA[Has mortgage jargon left your head spinning? Cut through the confusion with this easy to understand guide that explains the common features of a mortgage & how they can help you to repay your loan sooner!]]></description>
</item>
<item>
<title>Australian Mortgage - How To Borrow To Buy Real Estate In Australia</title>
<link>http://EzineArticles.com/5011410</link>
<guid>http://EzineArticles.com/5011410</guid>
<pubDate>Mon, 20 Sep 2010 10:49:47 -0500</pubDate>
<description><![CDATA[Can you get a mortgage in Australia while living outside of Australia? Yes! Find out how to avoid the pitfalls of applying for a loan in the land down under and ultimately to get approval with a major lender at a great rate.]]></description>
</item>
<item>
<title>Australian Home Loan - How Can New Migrants Get Approved?</title>
<link>http://EzineArticles.com/5011596</link>
<guid>http://EzineArticles.com/5011596</guid>
<pubDate>Wed, 15 Sep 2010 15:42:16 -0500</pubDate>
<description><![CDATA[Have you recently migrated to Australia? Or are you planning to migrate? Australian lenders are tough on temporary residents & people on work or spouse visas. Read on to find out how can you get approved for a home loan at a great interest rate!]]></description>
</item>
<item>
<title>Equity Mortgages - How to Cash Out Your Equity!</title>
<link>http://EzineArticles.com/4625120</link>
<guid>http://EzineArticles.com/4625120</guid>
<pubDate>Mon, 13 Sep 2010 10:41:12 -0500</pubDate>
<description><![CDATA[The equity in your home is likely to be the biggest asset you have. Did you know that you can release this equity to be used to buy a car, boat, consolidate your debts or to invest? Find out how to get approved for an equity mortgage!]]></description>
</item>
<item>
<title>Bad Credit Home Loans - Can You Get a Loan With Impaired Credit?</title>
<link>http://EzineArticles.com/4078783</link>
<guid>http://EzineArticles.com/4078783</guid>
<pubDate>Sat, 10 Apr 2010 06:39:05 -0500</pubDate>
<description><![CDATA[Did you know it is still possible to get a home loan if you have blemishes on your credit file? Find out how the banks assess your credit history and how to get approved!]]></description>
</item>
<item>
<title>Guarantor Home Loans - How to Borrow 100 Percent With the Support of Your Parents</title>
<link>http://EzineArticles.com/2983430</link>
<guid>http://EzineArticles.com/2983430</guid>
<pubDate>Tue, 27 Oct 2009 11:11:31 -0500</pubDate>
<description><![CDATA[Is it still possible to borrow 100% of the purchase price in todays post GFC world? Yes it is! Find out the secrets to getting your mortgage approved if your parents or another relative can put up their home as additional security.]]></description>
</item>
<item>
<title>SMSF Loans - How to Borrow in a Superannuation Trust</title>
<link>http://EzineArticles.com/3008443</link>
<guid>http://EzineArticles.com/3008443</guid>
<pubDate>Thu, 08 Oct 2009 15:27:58 -0500</pubDate>
<description><![CDATA[Applying for a loan in a trust can be a nightmare for the uninitiated. If you have set up your own super fund then read on to find out how to get approval for your mortgage.]]></description>
</item>
<item>
<title>Australian Banks Avoided the Crisis - How Did They Do It?</title>
<link>http://EzineArticles.com/2554345</link>
<guid>http://EzineArticles.com/2554345</guid>
<pubDate>Thu, 09 Jul 2009 09:49:38 -0500</pubDate>
<description><![CDATA[While the world sinks further into economic turmoil Australia has remained relatively unscathed. This is the result of Australia's strong banking system and clever government policies. Read on to find out why they were spared...]]></description>
</item>
<item>
<title>Lenders Mortgage Insurance Secrets Revealed</title>
<link>http://EzineArticles.com/2543325</link>
<guid>http://EzineArticles.com/2543325</guid>
<pubDate>Mon, 06 Jul 2009 14:26:21 -0500</pubDate>
<description><![CDATA[LMI is one of the largest fees you will pay when buying a home. Yet most home buyers don't know how it is calculated or how to get the lowest possible premium!  Read on to find out inside secrets from the mortgage industry that can help you to save thousands!]]></description>
</item>
<item>
<title>Low Doc Loans - Are They Gone Forever?</title>
<link>http://EzineArticles.com/2481234</link>
<guid>http://EzineArticles.com/2481234</guid>
<pubDate>Tue, 16 Jun 2009 10:41:37 -0500</pubDate>
<description><![CDATA[As the sub prime crisis deepens many lenders are withdrawing previously popular loan products.  No deposit finance was one of the first casualties, however how are low doc loans faring in this tough environment? Find out what loans are still available and how the rules of the game have changed!]]></description>
</item>
<item>
<title>Fixed Rate Home Loans - What Are the Costs of Paying Them Off Early?</title>
<link>http://EzineArticles.com/1610903</link>
<guid>http://EzineArticles.com/1610903</guid>
<pubDate>Thu, 23 Oct 2008 14:02:43 -0500</pubDate>
<description><![CDATA[We all love the security of knowing what our home loan repayments will be.  The security of a fixed rate loan comes at the price of flexibility.  In most cases this is in the form of higher exit fees if you were to pay the loan off before the agreed term.  So how much does it cost and how do you know if it is worth breaking your fixed rate loan?]]></description>
</item>
<item>
<title>Subprime Crisis - The Solution to Global Warming?</title>
<link>http://EzineArticles.com/1567993</link>
<guid>http://EzineArticles.com/1567993</guid>
<pubDate>Wed, 15 Oct 2008 10:44:02 -0500</pubDate>
<description><![CDATA[Have we gone mad?  Maybe. But that aside the subprime crisis may just be the domino that we've been asking for.  How in the &*$% did we come up with the conclusion that the subprime crisis will be a GOOD thing?]]></description>
</item>
<item>
<title>Real Estate Investment in Australia - Rental Market Update</title>
<link>http://EzineArticles.com/1560354</link>
<guid>http://EzineArticles.com/1560354</guid>
<pubDate>Tue, 14 Oct 2008 06:52:27 -0500</pubDate>
<description><![CDATA[While owning the home you live in is the iconic Australian dream, there are a growing number of renters that need to be serviced by the housing market. Statistics from the Australian Bureau of Statistics indicate that a significant portion of renters eventually become home owners. With this in mind, there are also a growing number of property investors tapping into renters that intend to rent for the long term.]]></description>
</item>
<item>
<title>Removal Home Finance - How to Relocate a House to a New Site</title>
<link>http://EzineArticles.com/1538206</link>
<guid>http://EzineArticles.com/1538206</guid>
<pubDate>Mon, 06 Oct 2008 09:28:16 -0500</pubDate>
<description><![CDATA[Are you moving a house to a new site? Learn how to finance your mammoth move by submitting your loan to the right lender using the help of expert mortgage brokers.]]></description>
</item>
<item>
<title>Home Loan Videos? The New Way to Learn About Finance</title>
<link>http://EzineArticles.com/1547276</link>
<guid>http://EzineArticles.com/1547276</guid>
<pubDate>Thu, 02 Oct 2008 09:45:17 -0500</pubDate>
<description><![CDATA[Learn about your finance situation and how to get approved for your loan by watching videos from the home loan experts.  Now available on YouTube, these videos will explain how to get approved, no matter your personal situation.]]></description>
</item>
<item>
<title>Fixed Rate Or Variable? Which is Better?</title>
<link>http://EzineArticles.com/1529560</link>
<guid>http://EzineArticles.com/1529560</guid>
<pubDate>Thu, 02 Oct 2008 08:57:13 -0500</pubDate>
<description><![CDATA[Should you lock in your rate for 5 years? 10 years? 30 years? This is a decision that you shouldn't take lightly! If you fix your rate you are committed to that lender and may even miss out on rate reductions.  Find out how you can protect your home, save money and make the right decision for your situation...]]></description>
</item>
<item>
<title>Help, I Need to Borrow 90%, Can I Get a Low Doc?</title>
<link>http://EzineArticles.com/1466187</link>
<guid>http://EzineArticles.com/1466187</guid>
<pubDate>Wed, 10 Sep 2008 14:48:54 -0500</pubDate>
<description><![CDATA[Most lenders will offer you only up to 90% LVR. However, at times 80% of the property value is simply not enough. How do you buy the property in such cases? Read on to find more.]]></description>
</item>
<item>
<title>How to Get 30% Off the Construction of Your New Home?</title>
<link>http://EzineArticles.com/1392661</link>
<guid>http://EzineArticles.com/1392661</guid>
<pubDate>Tue, 12 Aug 2008 11:45:00 -0500</pubDate>
<description><![CDATA[Building your own home can remain  only a dream  because of the  sky rocketing construction costs that take your home farther away from you like a mirage. You can, however, build your dream home for less by using new innovative construction methods.  Read on to find out how!]]></description>
</item>
<item>
<title>The Truth About Fortnightly Repayments!</title>
<link>http://EzineArticles.com/1349231</link>
<guid>http://EzineArticles.com/1349231</guid>
<pubDate>Tue, 29 Jul 2008 10:00:16 -0500</pubDate>
<description><![CDATA[Has a bank manager ever suggest to you that fortnightly repayment is the way to go to reduce interest repayments on your home loan?? Read on to find out the TRUTH!]]></description>
</item>
<item>
<title>No Doc Or Low Doc - What is the Difference?</title>
<link>http://EzineArticles.com/1308160</link>
<guid>http://EzineArticles.com/1308160</guid>
<pubDate>Fri, 18 Jul 2008 15:00:29 -0500</pubDate>
<description><![CDATA[Both no doc loans and low doc loans involve simple procedures. What sets them apart is the rate of interest and the process involved.  Loans have always involved lengthy procedures. But that is not the case with low doc loans and no doc loans, which hardly involve much paperwork, as indicated by their names.]]></description>
</item>
<item>
<title>Transportable Homes - The Solution to Skyrocketing Construction Costs</title>
<link>http://EzineArticles.com/1298955</link>
<guid>http://EzineArticles.com/1298955</guid>
<pubDate>Thu, 10 Jul 2008 08:27:23 -0500</pubDate>
<description><![CDATA[A transportable home is a much easier way of acquiring your dream home than the one built by the contractor-builders on the site. Like every other factory manufactured product, a transportable home is much more cost effective, stylish and durable.]]></description>
</item>
<item>
<title>Sydney Mortgage Brokers, Who Are the Experts?</title>
<link>http://EzineArticles.com/1220296</link>
<guid>http://EzineArticles.com/1220296</guid>
<pubDate>Thu, 05 Jun 2008 09:20:35 -0500</pubDate>
<description><![CDATA[Every man and his dog are mortgage brokers these days.  How do you find the financial guru you have been looking for? Read on to find out where they are and how to tell the good apart from the bad and the ugly!]]></description>
</item>
<item>
<title>Is Your Job Ruining Your Chances of Getting a Home Loan?</title>
<link>http://EzineArticles.com/1212693</link>
<guid>http://EzineArticles.com/1212693</guid>
<pubDate>Fri, 30 May 2008 17:09:06 -0500</pubDate>
<description><![CDATA[We all know banks LOVE 9 to 5 employees. So what about the rest of us? Don't take No for an answer! Find out the facts and how you can get your loan approved without having the change your career...]]></description>
</item>
<item>
<title>The Bank Doesn't Like The Way You're Employed? Find Out How To Get Approved!</title>
<link>http://EzineArticles.com/1115316</link>
<guid>http://EzineArticles.com/1115316</guid>
<pubDate>Fri, 18 Apr 2008 15:36:29 -0500</pubDate>
<description><![CDATA[Australian banks are notoriously selective when approving loans for anyone with "outside of the box" employment.  This is turning out to be a big problem as more people choose to be permanent casual, temp workers or employed on a contract.  You can't change jobs just to get your loan approved! So how do you get an approval?]]></description>
</item>
<item>
<title>Essential Tips for Low Doc Loans</title>
<link>http://EzineArticles.com/1115889</link>
<guid>http://EzineArticles.com/1115889</guid>
<pubDate>Fri, 18 Apr 2008 14:23:11 -0500</pubDate>
<description><![CDATA[How do you know which low doc loan is for you?  With hundred of lenders and thousands of loans to choose from it's easy to get confused.  Cut through the jargon, confusing websites and boring bank mangers by reading our simple guide to finding the right loan!]]></description>
</item>
<item>
<title>The Secrets Of No Financial Loans</title>
<link>http://EzineArticles.com/1114026</link>
<guid>http://EzineArticles.com/1114026</guid>
<pubDate>Thu, 17 Apr 2008 13:43:33 -0500</pubDate>
<description><![CDATA[Applying for a no doc loan? Do you know what to look for in your mortgage and which lenders are best?  Find out how to choose a no doc loan and what you should do to make sure you get the best interest rate possible!]]></description>
</item>
<item>
<title>Get A Free Copy Of Your Credit File</title>
<link>http://EzineArticles.com/1006290</link>
<guid>http://EzineArticles.com/1006290</guid>
<pubDate>Thu, 28 Feb 2008 09:57:54 -0600</pubDate>
<description><![CDATA[Australian borrowers are often in the dark as to who has their credit file, what information is there and how this affects their loan applications.  These questions and more have been answered by an industry insider.  Best of all you can find out how to get a copy of your credit file, without paying a cent!]]></description>
</item>
<item>
<title>Manufactured Homes Tips And Tricks For Australia</title>
<link>http://EzineArticles.com/797911</link>
<guid>http://EzineArticles.com/797911</guid>
<pubDate>Thu, 25 Oct 2007 09:15:40 -0500</pubDate>
<description><![CDATA[So you want to build a new home but don't want the price tag?  Have you considered going factory built?  The Australian market is now buzzing with interest in manufactured homes.  Read on to find out what all the fuss is about and where you can find more info!]]></description>
</item>
<item>
<title>Removal Home Loans Can Be Approved!</title>
<link>http://EzineArticles.com/796487</link>
<guid>http://EzineArticles.com/796487</guid>
<pubDate>Wed, 24 Oct 2007 14:09:32 -0500</pubDate>
<description><![CDATA[Buying a removal home is a fantastic alternative to building a home from scratch. Why build a new house when you can recycle an older home with character for a fraction of the price?  The banks don't agree.  Read on to find out why the banks say no and how you can finance your dream home!]]></description>
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