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Hello,
A good mortgage broker is one that listens to your needs and provides expert advice based on your goals, lifestyle and personal financial situation. Its anticipated this is what the industry will be seeing more of with the introduction of Australias first standard national laws for the responsible lending of consumer credit - see article below.
As your mortgage broker it is our role to save you time, effort and leg work. We are here to help demystify the loan process - refer to article 3 article on genuine savings - as well as ensure your loan works for you - refer to the 4th article about making the most of redraw and offset.
Dont forget we are also a reliable source of the latest news and trends as they affect the industry - such as our second article that outlines what the 2009 Federal Budget means for you as an investor and home owner.
Enjoy this newsletter and feel free to pass it on to family and friends.
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333 Queensberry Street
North Melbourne VIC 3051| Tel: | 1300 732 630 | | Mob: | 0411 461 197 | | Fax: | (03) 9326 6305 |
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Responsible Lending Laws
When you take out a home loan you want the peace of mind to know you are dealing with a broker who has demonstrated knowledge, experience and integrity.
It's with this in mind that the federal government has introduced the National Consumer Credit Protection Bill 2009, which puts in place new national responsible lending laws for all consumer credit.
Read More >>
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Serious About Saving
From childhood most of us are taught the value of saving money, a lesson that can now pay dividends for those entering the home loan market.
As banks and other lenders tighten their lending criteria in the face of the global economic crisis, the requirement for borrowers to show genuine savings to secure a home loan is fast becoming the norm.
Read More >>
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Budget Boost for Home Buyers
The Federal Government's 2009 Budget has generated optimism in the property market thanks to a $22 billion infrastructure program and extension of the First Home Owner's Grant.
Both initiatives are considered as positive steps in the move to stimulate our economy and give first home buyers a foothold in the housing market.
Read More >>
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Redraw and Offset: A Step Ahead
While interest rates remain low, it pays to stay ahead of your minimum monthly repayments by using a redraw facility or offset account.
Since mortgage rates have dropped, nearly one in three suburban families continue to make more than the minimum required monthly home loan repayment*, a choice that will save years off their mortgage and thousands of dollars in interest.
Read More >>
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Our Partners
Citiwide is a Full Member of the Mortgage & Finance Association of Australia (MFAA), the peak body for mortgage intermediaries in Australia.
We comply with the Association's code of conduct, which is binding on its members.
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About Us
Patrick is the founding Director of Citiwide, the 1-StopShop convenience for your Loan, Conveyancing and Insurance needs. Citiwide was established in 1988.
With 20 years experience in the industry, Citiwide's team of expert Finance Consultants can confidently find and organise the loan that is best suited to you.
Citiwide is accredited with over 20 banks and lending institutions and the service is totally FREE.
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Disclaimer: This newsletter is intended to provide general news and information only. Readers should rely on their own enquiries before making any decisions regarding their own interests. Please do not rely on any part of this newsletter as a substitute for specific legal or financial advice. All material is copyright 2009.
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