Essentials of Borrowing
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Loan Basics

#01

Q. What's the one thing I need when I borrow?

#02

Q. What are the basic elements of a loan or mortgage?

#03

Q. Is 'mortgage' just another name for a home loan?

#04

Q. Should I have fixed rate, variable rate or split rate?

#05

Q. What do mortgage repayments cover?

#06

Q. Why would I use a mortgage broker?

#07

Q. What other lenders are there besides banks?

#08

Q. How much should I borrow?

#09

Q. What are the extra costs of buying a home?

#10

Q. What is a low doc home loan?
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First home buyers

#11

Q. What's the secret to buying my first home?

#12

Q. How much deposit do I need for a home loan?

#13

Q. What's a simple way to increase my borrowing capacity?

#14

Q. How many types of home loans are there?

#15

Q. Where should I start looking for a home?

#16

Q. How much is the First Home Owner Grant?

#17

Q. If I need help to buy a home, what should I do?

#18

Q. What is a non conforming home loan?

#19

Q. What should I be aware of when taking out a mortgage?

#20

Q. What should I ask my mortgage broker?
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Refinancing and managing your mortgage

#21

Q. How do I pay off my mortgage sooner?

#22

Q. When would I refinance my mortgage?

#23

Q. Why should I have a regular home loan health check?

#24

Q. What are some other mortgage refinancing options?

#25

Q. If rates rise, should I move to a fixed rate mortgage?

#26

Q. What should I do if I can't make my repayments?

#27

Q. What is a reverse mortgage?

#28

Q. What is a home equity loan?

#29

Q. What do I need to know about debt consolidation?

#30

Q. What is negative gearing?
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Business finance

#31

Q. Where can I get finance for a small business?

#32

Q. How can I improve the cash flow of my business?

#33

Q. How can I purchase my own business premises?

#34

Q. Should I pay cash for capital equipment?

#35

Q. My supplier wants a huge deposit. What do I do?

#36

Q. What are equity finance and venture capital?

#37

Q. Why would I lease my company cars?

#38

Q. Can a good finance broker save time & money?

#39

Q. How can I recognise a good finance broker?

#40

Q. What paperwork will my finance broker need to see?