With our flexible approval process and our extensive knowledge of the mortgage lending industry we can provide you with the knowledge and products. We specialise helping people who don’t fit the ‘standard’ lending criteria get competitive mortgages.
SAF Finance can match you up with a wide variety of lenders who DO NOT use the same rules as the BIG BANKS to approve your application.
Give us a call today to see how we can turn your application into an approval.
WE SAY YES WHEN THE BANK SAYS NO TO DEBT CONSOLIDATION LOANS!
Australians owe a lot of money. Australia’s average debt-to-disposable income ratio, was at 147 per cent in 2012, a 28 per cent increase from 10 years earlier, the Melbourne Institute’s 2012 Household Income and Labour Dynamics in Australia (HILDA) report showed.
However, the average debt-to-assets ratio was a respectable 17.6 per cent, showing that most of that borrowing was high value assets like owner-occupied or investment housing.
Still, people don’t seem to want to talk about or even think about their debt. Once you’ve become overwhelmed with it and the prospect of losing your home becomes a reality, it is often too late.
SIGNS YOU HAVE A DEBT PROBLEM
- Refusal to acknowledge debt
- Don’t ask and don’t talk to anyone about money
- Using one credit card to pay off another
- Spending your emergency money, while promising to pay it back later
- Using your bank overdraft as a backup while you wait for payday
At some point, your debt will come back to haunt you, and no matter what promises you make to yourself, or how you try to hide it, it will be a big problem. It’s time to take control of your debt and take back your life before your debt controls you.
We can relieve all your payments and provide a low cost low interest rate product that will provide our clients with one easy payment by Debt Consolidation.
DEBT CONSOLIDATION LOAN
One of the best ways to take control of your debt is to take out a debt consolidation loan. A debt consolidation loan is best when it is based on the equity in your home, since you are able to borrow money against your home at a much lower interest rate to pay off your multiple sources of debt. Just by going with a lower interest rate through this method, you are automatically beginning to pay off your debts!
This allows you to
- Reduce monthly payments
- Use one easy payment to pay bills instead of multiple payments at differing interest rates
- Save thousands in interest payments, fees and penalties
- Reduce your stress over your debt load
- Begin to get out of debt
- Improve your credit rating
NOT SURE HOW TO BEGIN?
Contact the team of Mortgage specialists today at email@example.com or call us at 03 9377 4480. If you own your own home we can help you with a home equity loan and debt consolidation options. Even if the bank turned you down, we can help!