Mortgage Stressbusters

Alex Brooks 지음

Wrightbooks 2012년 01월 19일 출간

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Dreaming of being debt free? Wondering what a tumultuous property market will mean for your financial future? Wanting to buy, sell or invest in property without being ripped off or paying a mortgage for the term of your natural life?If you answered 'yes' to any of these questions, then Mortgage Stressbusters is a must-read. This plain-English, QA 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 dealhow to buy property successfully, no matter what the market is doinghow to pay off your mortgage -- fastwhat 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!

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About the author xiIntroduction xiiiSection I: getting on the mortgage merry-go-round1 Isn't buying property always better than renting? 32 Can your own home be a gold mine? 53 Property is way too expensive &- how will I ever own a home? 104 I heard the government will give me money to buy my first home &- is this true? 165 But if home prices aren&-t increasing, why buy now? 186 Why save for a deposit when the banks will lend you 100 per cent of the purchase price? 197 What sort of deposit is ideal? 238 But I'm paying mortgage insurance, so I'll be fi ne if things get a bit hairy, won't I? 269 Are there any advantages to paying lenders mortgage insurance? 2910 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? 3111 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? 3512 How do the banks decide how much money they'll lend me? 3813 Credit rating? Isn't that whether you prefer a gold or silver Visa card? 3914 I'm self-employed, so I'll always have to pay more for a mortgage, won't I? 42Section II: loan sweet loan15 What does the current so-called credit crunch mean for getting mortgages? 4916 Banks offer the safest and cheapest mortgages, so why bother with a broker? 5017 All mortgages are the same, so what's the point in shopping around? 5518 The lower the interest rate, the better the deal? 5819 It's fee-free, isn't it? The bank promised. 6120 Isn't a fi xed-rate loan a much better way to go? 6521 What! I'm not paying this thing off for 30 years? 6822 My mortgage is signed, sealed and delivered &- all I have to do is make monthly payments from now on, don't I? 7023 A broker has told me about a mortgage-reduction scheme that sounds good &- what should I do? 7224 How come som

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저자(글) Alex Brooks

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Alex Brooks specialises in writing about homes, property and sustainable living. She is the author of Planning Your Perfect Home Renovation and The Sydney Morning Herald Good Suburbs Guide. She is also a regular contributor to The Sydney Morning Herald, Sun-Herald, Sunday Life and House Garden magazine.