Sydney Community College

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Once you learn the secrets and power of borrowing money then purchasing real estate becomes a whole lot easier. Would you like to demystify all there is to know about home loans and obtaining finance? Then this is the course for you.

With finance becoming easier to get these days, it is important that you understand and learn all the intricate details associated with borrowing money and how it will affect you financially. There is so much to learn when it comes to borrowing money and it is up to you take control of your finances and become educated in the process.

Agenda

Understanding home loans and mortgages has never been so easy once you attend this course. Learn what the banks do not want you to know and how to save thousands of dollars when borrowing money.

Objectives

You will learn:

• How to increase your borrowing power.
• Understand the full home loan process.
• Learn all the hidden costs that lenders charge and how to get around them.
• Understand different loan product and packages to suit your needs.
• Learn postcode areas that are very high risk for lenders and the reasons behind it.
• Learn the advantages of using a mortgage broker over a lender directly and the role of a mortgage broker.
• Comparison rate schedules – what are they and how they work. You will also learn how the major lenders have manipulated this table to make their loans look more attractive to the consumer.
• The valuation process and what brings value to your property.
• Find out the best products and packages on the market at present.
• Learn how to pay off your home loan as soon as possible.
• Understand the rules of lenders mortgage insurance. This is a very important section for both first home buyers and investors. This will save you thousands of dollars and also help you purchase more property.
• Learn how to correctly set up your home loan for future investment.
• Learn when and how to use a deposit bond.
• Learn the term “loan to value ratio” and understand how the banks use this to assess deals and why this is one of the most important bits of information to learn when buying real estate.
• Learn how rental income affects your ability to borrow money.

Other Information

It is recommended that you attend the ‘First Home Buyers’ course before attending this one.

PLS NOTE: All classes need a minimum number of students to go ahead. If your course does not have enough students it will be cancelled and you will be informed. ***Please be aware that you maybe be informed of a cancellation &/or change via SMS or E-mail.