UNIQ Finance in South Yarra, Victoria | Finance
UNIQ Finance
Locality: South Yarra, Victoria
Phone: +61 406 848 682
Address: LEVEL 2, 441 ST KILDA ROAD 3000 South Yarra, VIC, Australia
Website: http://neiluniqfinance.smartonline.com.au
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16.01.2022 Can your profession save you on your home loan? When it comes to saving on your mortgage, some of you may not have to look further than your job. If yours is a profession that classifies you as a low risk borrower in the eyes of lenders, then you may be entitled to special discounts. The lucky ones Accountants, lawyers and teachers are commonly eligible for home loan discounts, or particular loan types without fees, based on their professions. The benefits differ depending... on specific professions, the finance broker explains. It depends on what industry the lenders decide to target as its a constantly changing situation, so whats here today may not be around tomorrow. An example of this is the slowing down of the mining industry in 2015, which saw mining engineers lose their in demand status and their profession-based discounts. Doctors take the cake Lenders have their own target lists of professions, but doctors are the big winners. They'll get waived LMI, lower interest rates and, in many cases, banks will even go outside of their normal policy to get their loans approved, says the finance broker. However, not all medical professionals, such as psychiatrists, chiropractors, vets and pharmacists, are accepted by all lenders so its always advisable to confirm. How the perks work Simply being in a certain profession wont automatically save you on your home loan. To qualify you must apply with a lender that offers your profession a special discount and meet that lenders criteria. Youll often need to provide evidence of membership of a certain industry body such as the Australian Medical Association, advises the finance broker. Waived LMI is usually approved without any problems if you meet the criteria, however your mortgage broker may need to negotiate to get a better interest rate as well. Because lenders dont publish these better interest rates, to benefit from the discounts its best to have your broker by your side. Not only will they know which lenders to apply to, they will also assist you with pricing requests and negotiating the best possible interest rate. I have the knowledge and expertise to find you the most appropriate loans for even the most complex financial scenarios, including profession-based discounts.
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01.01.2022 Renovate or Relocate? | UNIQ Finance http://www.news.com.au//n/d4e953a770a3353186fe96708f85dad7
