Latest RBA increases are making the average home loan go up more than $50 per month. Every time interest rates go up, so do your repayments. If you are having difficulty in making your repayments, you should consult the services of a mortgage broker and discuss ways to stabilize your mortgage repayments. These options may include fixing your rate, or debt consolidating. First thing to do in the event that you miss your mortgage repayment, should include getting on the phone to your lender and making alternative repayment arrangements. Next step would to be revising your monthly budgets. At Finance Know How we have tools that can make this easier for you. Ask us about Simply Budgets.

Did you go to your local branch, only to be told that what you needed they couldn’t give you? Never say never! There will be reasons as to why they couldn’t give you the finance you required – tell us why, and with over 25 lenders to choose from, we will be sure to give you the solution you need. Bad credit? No worries! Short-term or casual employment – Easy! At Finance Know How – We know How!

Thinking of buying your first home? You are eligible if you have never owned property before to a First Home Buyers Grant (FHOG) – it’s a good start. Generally you will need some deposit in order to cover the standard statutory charges such as stamp duty.  At Finance Know How we have access to lenders that offer 100% loans, which means your contribution may be minimal. Ask us for our Know How Guide to Buying your First Home.

Want to buy a house, or refinance your home, or perhaps even buy a car. But you have bad credit? That won’t stop you from getting a loan! At Finance Know How we have access to specialty lenders that will be able to provide finance for all your needs. From utility defaults, to court judgments’, right through to bankruptcies, we have finance solutions to cover all bases.

Are you getting those unwanted calls from your credit card providers chasing you for payments? Are you overdue and late every month on your credit card repayments? First thing to do is to re-assess your financial position, and understand how much you can actually afford to pay off on a monthly basis. You may need to re-assess your monthly expenses in order to be able to afford your repayments. If you have a home loan or mortgage, you should consult an experienced Finance Broker and discuss options about debt consolidating into just one loan. Lastly, ensure you don’t ignore the calls from your credit card providers, make sure you make alternative arrangements! Talking to your bank will help you keep your debts off your CRAA.