loans refinancing

Home Loan Repayments Overdue? Don't Risk Mortgage Arrears

Falling behind on your mortgage repayments, or having your mortgage in arrears, can happen for a number of reasons. This includes financial hardship, a sudden illness or loss of job or even just not having enough money in the budget to pay. Unfortunately, it’s a lot more common than you might think.

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Topics: Mortgage Refinancing, Home Loans, Personal Debt, financial support, financial advice, Loans Refinancing

A Guide to Refinancing Your Home Loan

Are you wondering whether now is the right time for you to refinance your home loan? Do you have debts you want to consolidate, or are you just looking for a better deal? Refinancing your home loan can secure you a lower rate, offer better terms, features and consolidate your debts all in one. But do you know exactly what’s involved and what to look for in a new home loan? Our guide will take you through the signs of when you should refinance your home loan and the steps involved.

When Should You Refinance Your Home Loan?

While there’s no such thing as the perfect time to refinance – you should assess your personal and financial situation first. Here are five questions you need to ask yourself when thinking about refinancing your mortgage.

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Topics: Mortgage Refinancing, Home Loans, Personal Debt, Loans Refinancing

5 Smart Ways to Loan Money to Your Business

When cashflow is tight in your business it will often need fast funding to survive.  One quick and seemingly easy option may be to use personal wealth to loan the business money. Avoiding bank rejections, mountains of paperwork and high interest loans is attractive. But putting your life’s savings on the line should not be done lightly.

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Topics: Director Advice, Business Debt, Loans Refinancing

Secured Debt and Financial Hardship

On 1 February 2021, the Reserve Bank of Australia (RBA) announced they’ve decided to leave current cash interest rates unchanged to support the country’s ongoing COVID-19 recovery. This rate currently sits at 0.1 per cent, where it has stayed since November 2020.

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Topics: Debt Relief, Personal Debt, Loans Refinancing

Ways to Reduce Household Spending

Do you want to reduce household spending? A report by Digital Finance Analytics revealed close to 1 million people are suffering from mortgage stress in Australia. 921,000 households are struggling to make their mortgage repayments and keep up with everyday expenses like groceries and bills.

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Topics: Budgeting, Debt Relief, Education, Personal Debt, Loans Refinancing

Refinancing with Bad Credit

Interest rates are at an all time low, so now is the perfect time to refinance. However, if you have bad credit, refinancing might seem like impossibility. Positive Solutions Finance takes away the ‘harsh reality’ for people living with a bad credit history and delivers a variety of positive debt solutions.

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Topics: Bad Credit Loans, Personal Debt, Lending, Loans Refinancing

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