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An adverse credit history indicates that there are negative reports or past transactions showing unpaid debts, overdue accounts, over the limit transactions or dishonoured payments.

When you borrow money to buy a property, the lender will take a mortgage over that property to secure the loan – one loan and one security property.

If you have an investment loan, you may be able to choose to pay one year’s interest in advance. The interest rate is fixed for a 12 month period, and you pay the full year’s interest in a lump sum upfront.

If you are a company director, or about to become one, you may receive professional advice to transfer your home from joint names into your spouse’s name only.

A guarantor promises to make the payments or reimburse any shortfall in the event that the original borrower does not pay and/or the property is sold at a loss.

To enable us to identify the most appropriate product for your situation it is important to understand your financial situation and therefore the finance structuring requirements.

When moving home, you have to take into account the sale and purchase settlement dates, as they will have a significant impact on your home loan and cashflow requirements:

A prospective buyer makes an offer to buy a property by signing a contract of sale. The offer is accepted when the seller signs the contract. A property is sold when both buyer and seller have signed the contract of sale.