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Personal Lending

Getting your bad credit car loans guaranteed approval
Applying for bad credit car loans guaranteed approval can be exhausting for many people. Regardless of your financial situation, applying for any loan can become a stressful process if you’re not doing it correctly the first time.  Even people with good intentions can fall into financial traps at some point in their lives. Some are...
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How do owner-builder loans work?
Owner-builder loans are loan products specifically designed to borrowers planning to build their own house. Unlike any other types of loans, these loans have specific requirements that every potential borrower needs to prepare.  Building your own house or doing major renovations can be both stressful and overwhelming. Without any idea of this process, hiccups along...
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Truths about bad credit home loans
Everyone wants to own their dream house, but not everyone is lucky enough to be eligible for most loans due to negative finance history. That is why bad credit home loans attract many borrowers with bad credit scores.  Not all preconceived knowledge about these types of loans are accurate. The truth about bad credit home...
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How to get car loans with bad credit in 2020
Individuals interested in applying for car loans with bad credit are sometimes discouraged by their negative credit history. Apparently there are roughly 1.1 million households in Australia that are in mortgage stress or on the brink of default. A report from the Digital Finance Analytics noted that at least 1.1 million borrowers in Australia are...
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Low Doc Construction Loans: Start your project today
Applying for a loan to build your dream house with a bad credit score seems impossible, but not with low doc construction loans.  This loan type is also ideal to developers,builders and some investors who don’t have the commonly required tax or financial documents ready at their disposal.  Building one’s dream house is a significant...
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A Beginner’s Guide To Owner Builder Loans
Applying for owner builder loans for the first time can be stressful if you are clueless of the things to expect. This is because lenders can be very particular in approving applications for these loans. But with proper guidance from lenders and brokers, this can become a very rewarding experience.  Applying for these types of loans can...
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Top Things to Avoid in Property Valuation Intellichoice Finance
The method of evaluating the value of a property is not always perfect. For those who do a self valuation on their properties, it is possible that you may not arrive with an accurate value. Common Mistakes in Self Home Valuation 1. Comparing With Properties for Sale in the Market In this situation, the value...
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Property Valuation Australia What Is Your Homes Worth Intellichoice Finance
Property valuation is the key to determine if the house you intend to sell or the home you intend to buy is indeed a good buy and within the current prices in the market. What is the Value of a Property? An estimate on the value of the property you are selling or buying is...
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Owner Occupied Home Loans What You Need To Know Intellichoice Finance
There are different types of home loans. Distinct terms and conditions apply in particular mortgages making it different from one another. The process of applying and getting a mortgage approved also differs and depends on how will you use your property purchase. Will it be an investment or are you planning to make a home...
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Which Banks in Australia Offers 95% LVR Home Loans Intellichoice Finance
Buying a home, through a loan in Australia has now become easier, even in the prime locations and cities of the continent. Cost of purchasing a home in main Australian cities such as Melbourne, Sydney, Brisbane, Canberra, and Perth have decreased since the beginning of 2019 up to March of this year. It is still...
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What Should You Avoid When Looking for Bad Credit Car Loans Intellichoice Finance
Bad credit car loans are your best option in securing car finance with bad credit history at tow. Getting approved for car financing does not only give you access to an automobile, but it also gives you the opportunity to improve your credit score. Buying a second-hand car would be ideal if you want to...
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Should I Pay Off my Credit Card or Personal Loan First Intellichoice Finance
Most Australians either have a credit card, a personal loan or both. If you have several accounts and loans to pay off, it can really be overwhelming. For some Aussies, carrying too much credit card debt and having loans becomes a dilemma, placing them in a stressful situation. If you are torn between repaying your...
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Mortgage-House-for-Sale-The-Process-Intellichoice-Finance
Do you own a house and would want to sell it but it happens to be under mortgage? Most houses in Australia, almost two-thirds of the population, own a home through a mortgage. After paying for your mortgage owned home for quite some time, you have finally decided to sell your property? Is this possible...
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How Australian Expats Can Still Get a Home Loan Intellichoice Finance
Some Australians living or working overseas still longs to go back to their homeland and build their dream home. You may not need it for now, but eventually, in the future, you will long to have your own home back in Australia. However, purchasing a home in cash is not easy. It has become a...
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What Should I Look for in a Car Finance Intellichoice Finance
Getting your first car, even your second is exciting. You can easily get a new car nowadays with a loan, especially with a good credit standing by your side. However, even with a steady income and stable personal finance, taking time to think before applying for a car loan is still essential. Finding the right...
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Why You Need to Keep Up With Home Loan Repayments Intellichoice Finance
What happens when you miss a home loan repayment? Before you are faced with this situation, you should act fast even before or after missing a home loan repayment. If you feel like you won’t be able to fund your check or if you are honestly going to be late for loan repayment, fix the...
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Moving House Checklist 2019 After a Successful Home Loan Intellichoice Finance
Moving to your new home is exciting. Finally having a place you can call home is personally satisfying, it is an achievement. However, moving to a new home is not always easy. Depending on the things you own, and the furnishings you would want to include in your new home, you may have to pack...
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How to Reduce Home Loan Rates Intellichoice Finance
Getting a home loan approved and repaying for one is a tough feat, even to those with good credit standing. Easier repayment scheme begins with getting a low mortgage rate approved on your application. Here are some tips you can follow to reduce your home loan rates and get the best deals possible for your...
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Pepper Money Loans What Do They Offer Intellichoice Finance
Pepper Money Loans had been known to be Australia’s leading non-bank specialist lending institution that works through several affiliated mortgage brokers. They are also a wholesale funder for several non-bank financial institutions. This non-conforming lender has been a trusted and reliable partner to Intellichoice Finance through the years. Specialist lenders were first designed to cater...
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Car Loan Refinance Loans for People with Bad Credit Intellichoice Finance
A bad credit car loan makes it possible for you to secure your dream car. With a stable job and another source of income, you have managed to pay your car finance regularly and ahead of time, building your credit positively in the process. You have better control over your finances and even managed to...
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