Useful Tips

Here are links to all of EquityVision Tips.

If you find them useful, you're welcome to share with your friends.

We’re often adding to the list and updating them, so if there is a Tip you’d like to see, or if you have some feedback on an existing one, We’d love to hear from you. Email us at advice@equityvision.com.au

Changing your name on your property
February 24, 2018

If you have changed your name due to marriage (or divorce), your property and loan are in your old name and you want to update your name. It’s not simple or free. There are several processes to go through, with quite a few fees and costs involved.

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Cheap internet loans
February 24, 2018

Yes, you can get cheaper interest rates than my panel of lenders…but you get what you pay for!

They are a low/no service offer. Consider my value propositions, all of the invaluable advice, support and single point of contact I provide.

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Fixed Rate Loans – Lock in Option
May 6, 2018

If you have selected a Fixed Rate home loan, the fixed rate that will apply will be the advertised rate on the date of settlement

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Offset account diagram
May 13, 2018

Offset accounts: Use them to save you money…

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Construction Loans Documents needed for lenders
May 5, 2018

This is a list of the documents you may need to provide to a lender during each step of the loan process:

Lenders will require a Fixed Price Building Contract (FPBC) by a Registered Builder.

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Comparison rates
May 5, 2018

Comparison rates are a legislated requirement for lenders to provide to home loan consumers.

All credit providers must give a comparison rate when they advertise a rate or a weekly payment for home loans. The comparison rate includes the interest rate or weekly repayment amount, plus most fees and charges.

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Building Insurance
February 24, 2018

Once you have building insurance in place, ask your insurer to provide you with a building insurance certificate of currency. You will need to send this certificate of currency back to your lender, together with your completed mortgage offer documents.

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Loan Application Process
May 13, 2018

DAY 1 We receive loan application and supporting documentation. DAY 2 We compile and submit your application to the lender. DAY 3 Lender performs credit reference check and other basic checks DAY 5 Conditional Approval DAY 8 Valuation is received & conditions of approval are met. DAY 10 Unconditional Approval DAY 13 The Lender or […]

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Credit Reports
May 5, 2018

Credit Report providers hold credit-related information which is primarily used by banks and other lenders to assist them in assessing applications for credit.
If you have every applied for or used credit in Australia, you will have a credit file.
See my Tips on Adverse Credit History for more information

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Pre-Approved loans
May 7, 2018

A loan pre-approval is written confirmation that a lender has reviewed you and your current financial position and is prepared to lend you money up to the pre-approved loan amount.

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