Applying a car loan with a bad credit record is usually impossible for the lenders to approve. Typically, lending companies measure the risks they put into a client. In most cases you must have a stable job and source of income to ensure that you are able to pay your car finance consistently. This would…
High-risk borrowers have now nothing to worry about in getting a loan here in Australia. High-risk borrowers mean lending customers that are having negative credit score on their record. There are many of them living across the continent. And sad to say, some have become hopeless. But things have changed for them. For as long…
Have you been rejected for a home loan? Do you have a poor credit history? You don’t need to worry now because Intellichoice is here to help you! According to Veda, a credit rating agency, there are over 600,000 Aussies having “high to extreme risk” of credit default. Many of these clients experienced loan rejections from various lenders of…
Giving favor to borrowers who have bad credit history is not really a bad thing. Most of us people undergo financial difficulties at some point of our lives. It is important for each of us to consider the situations on a case to case basis. All of us commit mistakes on our financial decision sometimes….
Intellichoice is a loan and credit management company that is committed to serve Australians. It has been established to assist people with bad credit record, help them get loan approval, and support them on its maintenance. All around Australia, we have built a strong network to loan financiers that are ready to release funds to appropriate…
It is important to seek advice from loan experts regarding your credit management and finances. It is necessary to ask questions about its different aspects so that you can strategize and plan. Managing your credit is not a simple task; you must equip yourself with enough knowledge and understanding. You must do the work yourself…
Many people who applied for a business loan in Australia have been connected to the wrong type of mortgage brokers. Instead of helping them get approval, they made things more complicated by failing to provide a thoughtful service. Oftentimes, we hear stories about regrets and disappointment from these clients themselves when they do apply for…
A business loan is one type of financing you can avail to meet your business needs. This will help your business improve and grow. This can be very helpful for you to get everything you need for your operation such as machinery, tools, computers, or vehicles. It enables you to boost your production or even…
If you are to get a car loan in Brisbane, Intellichoice has some recommendations for you. Before you decide, we would like to help you figure out how to get the best deal available. There are many car loans offers here in Australia and choosing the right one is quite tough and time-consuming. But with our help,…
Much like any types of loans, personal loans Australia function in the very same way. Basically, personal loans help in financing your short term or long term monetary needs. You acquire some money from a lender or a traditional bank. Both you and the lender will need to sign a contract to repay your loan…
A LVR calculator, also known as the Loan to Value Ratio Calculator. It is the amount of your loan compared to the value of your property. To give you a better picture, a $300,000 property with a deposit of $75,000 has a Loan to Value ratio of 75% LVR = [(300,000-75,000)] ÷ 300,000 x 100…
The primary feature of a personal bank loan is that it’s not guaranteed by collateral. The term collateral suggests something valuable, such as a house, motorboat or automobile that the loan provider could claim should you not pay back the loan as agreed upon. A personal bank loan holds solely on a borrower’s promise to…
If you don’t have an emergency fund, you will most likely turn to emergency cash loans. These types of loans are available in many types but the fastest emergency cash loan there is are those that are offered online. Application takes a few minutes and you can expect to receive a loan offer within a…
A secured loan is a type of loan supported by a collateral or a security (a financial asset you own like a car or a house) and could be taken as a settlement to the loan company should you not pay off the loan. The principle guiding secured loans is simple. The loan company accepts a collateral as…
Yes, you can definitely get a second home loan in Australia. However, there could be several glitches to avoid when considering this loan option. A second mortgage is a financial loan obtained on a property or home which you previously have a mortgage. This enables you to gain access to extra finances. But, this may…
Facing sudden unemployment is tough especially for someone who has family to feed, bills to pay, and children to send to school. That’s why it’s very important to properly manage your money and save funds for situations like this. Even so, the reality is that not all people have emergency savings set aside and you…
It is a hard fact that home buyers are confused on the first steps to take in purchasing a new home. The main reason is that there’s a huge range of option to choose from. Choosing the right one can be confusing in terms of rate, loan terms, and features. The vast range of home…
The best car finance rates can help you get your dream vehicle while allowing to make affordable repayment and enjoy other features that match your demands. There are many factors to consider when securing the best car finance rates in Australia. You would like to keep your repayments low by choosing low-interest car loans. Low-interest…
A reverse mortgage is a form of mortgage that is created specifically for retirees and those who are receiving pension. They are generally referred to as rich in assets but poor in cash. This type of loan is also referred to as senior’s finance or senior’s loan. You can practically purchase an investment property, through…
In Australia, there are numerous possible choices to take when it comes to car financing. Among the most known approaches are dealer loans and brand new car loans. It is essential to know the difference between both financing options so that you can select what can work best for you. Dealership Finance and Car Loans Fast…
Do you have a need to apply for a car loan fast? There are many specialized loan companies who can provide you with a quick application and approval process so that you can get the car you need in time. If you have located the car you need and require financing completed as soon as…
When you walk into a dealership having a pre-approved car loan, it provides you the confidence to push your bargaining power to achieve the best rates possible. It also helps you determine your budget but it can limit how much money you can use to purchase a new car. What is Pre Approved Car Loan?…
Land and construction loans can help you achieve your dreams of owning a house and lot. These types of loan allow you to make progressive payments as needed as opposed to having to pay full payments. You can purchase land and cover construction costs with construction loans. These are specialized loans packaged and designed for those who are…
Home construction can be complicated especially for first time home builders but it doesn’t have to be that way. Building a home entails several processes and each process can be tedious. Make every process a success by following these simple guidelines. Planning and Budgeting Planning. The first and the most important step is planning. Thoroughly plan the…
Building your own home could be a challenging yet an exciting project. When you decide to build your own house, it means you are taking the entire responsibility of building a home from scratch, from determining the layout, choosing the number of rooms, choosing the finishes, and even the landscaping. While the idea could be…
A home equity loan makes it possible for you to borrow against your current home value. This type of loan is easier to qualify for over types of loans simply because the loan is secured. The difference between the current market value of your home less the amount you still have to pay for the property is…
Interested in investing in a property? Are you watching other successful investors building their property portfolios? You can start building your portfolio while avoiding the pitfalls of investing, without blowing your savings falling apart. Owning a home would help you discover the power of home equity and give you the kick start that you need…
90% home loan lenders can help you secure a loan with a low deposit to worry about or prepare for your purchase. The challenge is finding the right bank or lender that can provide you with such an offer. Every bank and lender in Australia have a different set of lending guideline to follow. To be…
Applying and getting approved for a mortgage can be difficult. One big reason is the numerous options available out there. Thinking you already found the best only to discover that a different bank or lender offers something better than you expected. To make the process easier, faster and hassle-free for you, getting the best mortgage…
Which personal loans Australia is right for you? Securing one for a current specific need you have should not be a hassle especially if you are in good credit standing. Aussies apply for a personal loan for different reasons. This can either satisfy an urgent financial need, purchase a car, pay for medications, buy a…
The finance market in Australia is picking up and starting to become competitive again. With Christmas just a few weeks around the corner, there are plenty of discounts and competitive deals available for those interested in taking out a mortgage. If you’ll do your research and be more attentive in looking for options, you’ll be…
Business financing requires big decision and should be treated differently than how you approach personal finance. Understanding the difference between being in debt and equity finance creates a big difference in successfully managing a business. If you are a business owner looking into funding your business and taking the next step to expand your network…
Applying and getting approved for a car loan is not as difficult as it was before. It has become more accessible to people wanting to purchase a car as well as to those who have bad credit histories. The challenge in financing an automobile is in finding the cheapest car loans available for you in…
Is it possible to get approved for multiple personal loans at the same time? Some Aussies may be faced with the situation of getting two loans at once or applying for another one while paying for a previously approved one. It is possible to have two loans at the same time. You can pay for an ongoing…
The last two months of 2018 is the best time to buy finance a car in Australia. With new regulation on Australian car financing introduced beginning November 1, 2018, potential new car owners can save thousands on their loan repayments. Both new and used car financing will give potential buyers an advantage in terms of interest rates….
Getting a car loan vs novated lease is one of the most common situations most Aussies are torn in between when it comes to financing or securing their dream vehicle. Car loan vs novated lease – which of these car acquisition routes is right for you? What is a Novated Lease and Why It’s Different…