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Mortgage Stressbusters |  |
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Mortgage Stressbusters | |
If you answered ‘yes' to any of these questions, then Mortgage Stressbusters is a must-read. This plain-English, Q&A guide to mortgages and residential property will help you to end mortgage stress once and for all. Not only will you learn how to save money -- and time -- on your mortgage, but you'll also learn the tricks, tips and tactics that will get you ahead in the property game.
Inside you'll discover:
how to get the best mortgage deal how to buy property successfully, no matter what the market is doing how to pay off your mortgage -- fast what to do if you can't pay your mortgage.Whether you're stuck in the mortgage mire or just trying to stay ahead, Mortgage Stressbusters is the book for you!
If you answered ‘yes' to any of these questions, then Mortgage Stressbusters is a must-read. This plain-English, Q&A guide to mortgages and residential property will help you to end mortgage stress once and for all. Not only will you learn how to save money — and time — on your mortgage, but you'll also learn the tricks, tips and tactics that will get you ahead in the property game.
Inside you'll discover:
how to get the best mortgage deal how to buy property successfully, no matter what the market is doing how to pay off your mortgage — fast what to do if you can't pay your mortgage.Whether you're stuck in the mortgage mire or just trying to stay ahead, Mortgage Stressbusters is the book for you!
Introduction.
Section I: getting on the mortgage merry-go-round.
1. Isn’t buying always better than renting?
2. Can your own home be a gold mine?
3. Property is way too expensive—how will I ever own a home?
4. I heard the government will give me money to buy my first home—is this true?
5. But if home prices aren’t increasing, why buy now?
6. Why save for a deposit when the banks will lend you 100 per cent of the purchase price?
7. What sort of deposit is ideal?
8. But I’m paying mortgage insurance, so I’ll be fine if things get a bit hairy, won’t I?
9. Are there any advantages to paying lenders mortgage insurance?
10. I’m going to get my parents to go guarantor on my mortgage—that’ll make it easier and avoid paying lenders mortgage insurance, won’t it?
11. Aren’t there a heap of mortgage offers that can help me get into the market without having to save so hard for a deposit?
12. How do the banks decide how much money they’ll lend me?
13. Credit rating? Isn’t that whether you prefer a gold or silver Visa card?
14. I’m self-employed, so I’ll always have to pay more for a mortgage, won’t I?
Section II: loan sweet loan.
15. What does the current so-called credit crunch mean for getting mortgages?
16. Banks offer the safest and cheapest mortgages, so why bother with a broker?
17. All mortgages are the same, so what’s the point in shopping around?
18. The lower the interest rate, the better the deal?
19. It’s fee-free, isn’t it? The bank promised.
20. Isn’t a fixed-rate loan a much better way to go?
21. What! I’m not paying this thing off for 30 years?
22. My mortgage is signed, sealed and delivered—all I have to do is make monthly payments from now on, don’t I?
23. A broker has told me about a mortgage-reduction scheme that sounds good—what should I do?
24. How come some people get better mortgage deals than others?
25. Shouldn’t I look at houses before I work out my mortgage?
26. How can I stressproof my mortgage?
Section III: playing the property game.
27. I love it, I’m buying it. I don’t need to look at any other properties, do I?
28. This area is booming—I need to get in quick , don’t I?
29. Why should I care about rental yields if I’m buying the property to live in rather than invest?
30. Isn’t buying near water, parks and swanky schools a waste of money? I’m buying this cheap property on the main road.
31. Should I care how old my neighbours are?
32. This is the cutest little unit, why on earth won’t the bank finance it?
33. What happens when I’ve made an offer and signed the contract?
34. I want to buy in a suburb close to my parents, but the valuation hasn’t come in at the right price. Why can’t I use my own valuer?
35. Eek, I’ve already made an offer on the property—is it too late to change my mind?
36. But my finance is approved, what can go wrong from here?
37. Is it okay to buy without a building inspection?
38. Aren’t you better to buy a wreck so you can add value?
Section IV: property and mortgage tactics.
39. Whether you need to buy or sell, isn’t it the real estate agent that determines whether you get a good price?
40. We’re going to an auction this weekend and we’re ready to buy. What do we need to know?
41. But how can you be sure you aren’t paying too much for a property?
42. Isn’t buying well about conditions and terms, not just about price?
43. Are mortgagee-in-possession properties cheaper?
44. Not all forced sales are mortgagee-in-possession homes, are they?
45. Now we’ve bought, we need to sell our old house—how do we know we will get the best possible price?
46. But I brought the house and now the bank is saying its valuation is lower than the price I paid. How can that happen?
47. But property prices don’t fall, so why should the banks worry so much about valuations?
48. So how can you tell if a property could fall in price in the future?
49. Surely you can buy the best bargains at an auction?
50. Shouldn’t I buy the biggest house in the suburb at the bargain price?
51. We’re in financial strife and need to sell, now, now, now – don’t we?
52. I am about to retire but still have a massive mortgage and am worried about having to move—what should I do?
53. I can only borrow a certain amount—do I have to shop within that price range?
Section V: creative solutions to ease mortgage stress.
54. I’m finding the monthly mortgage payments a real battle—the credit card is out of control, too. What should I do?
55. What are my options if I can’t pay my mortgage?
56. Things aren’t disastrous yet, but interest rates are starting to bite—what else can I do?
57. My partner has just left me and I don’t know what’s going to happen to the mortgage—he has to keep paying right?
58. I’ve found a mortgage broker who can save me by refinancing the mortgage and our debts—what should I do?
59. We’re in strife with our lender—they’re sent us a letter after missing a payment. What should we do?
60. Repossession sounds scary. Is there anything I can do to prevent it if I’m in arrears?
61. What happens under hardship provisions or if I go to the Ombudsman?
62. Isn’t consolidating debts and refinancing the best way out of my troubles?
63. But won’t refinancing to a cheaper rate help?
64. Is it better to refinance or sell my house to downsize?
65. What about moving out of the house and renting it?
66. What about refinancing to a shared-equity mortgage?
67. Can’t I access my superannuation to pay off my debts?
68. Isn’t there some kind of government scheme to help you if you’re having mortgage problems?
69. The house has been sold out from under me and I owe the bank more money that they recouped from the sale—what can I do?
70. This mortgage malarkey sounds like hard work—why bother?
Glossary.
Useful websites.
Appendix A: do your own property market research.
Appendix B: budget template.
Appendix C: stamp duty rates.
Appendix D: mortgage-needs checklist.
Appendix E: mortgage financing comparison checklist.
Appendix F: property wishlist.
Appendix G: house-moving checklist.
Appendix H: benefits of buying at auction versus buying through private treaty.
Appendix I: valuer versus agent prices.
Index.
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