Thursday, 30 June 2016
Saturday, 25 June 2016
Property development finance with No Pre sales
Friday, 24 June 2016
Thursday, 23 June 2016
Oak Laurel: Quick Business Loans
A fast business loans can be a real savior to some business.
Got to Oak Laurel to read more about quick business loans!!
Tuesday, 3 May 2016
Oak Laurel: Non resident mortgages: home loans for Australian ...
Friday, 26 February 2016
Oak Laurel: Property Development Mezzanine Finance
Saturday, 13 February 2016
Oak Laurel: Commercial construction Finance
Oak Laurel: Commercial construction Finance
Oak Laurel: Construction Progress Payments
Wednesday, 10 February 2016
The Key Benefits Of Employing A Broker Assist You in Getting Finance for Agriculture
The Key Benefits Of Employing A Broker Assist You in Getting Finance for Agriculture
If you are looking for the finance for agriculture, you might be wondering if it could be beneficial for you to utilize a finance broker.
One important thing that a great many people dread regarding getting an agribusiness loan process is spending the time comparing the different options. Before working with any lender, it is recommended for you to do research and make sure are getting the best option that is available to you. Each lender that will have different loan products with vastly different or slightly different conditions, this can make comparing options difficult. Furthermore, each loan officer at the different lenders will try to convince you that their loan product is the best making comparing options even more confusing.
When using a agribusiness finance broker, your broker will do this for you. You can then focus on doing what you do best, the farming, whilst your broker does what they do best and get you a great deal on your finance.
There are several lenders who have specific agribusiness finance packages, however, these packages though targeted at farmers may not be the best option for even though you are a farmer. A good agribusiness finance broker will compare all of your options and find you finance the meets your needs and is competitively priced. Because saving time is excellent, isn’t conserving money even better?
Maybe you have been thinking about looking to secure an agricultural loan by yourself. However, this is probably not the wisest decision. There are great benefits to working with a specialist broker.
The post The Key Benefits Of Employing A Broker Assist You in Getting Finance for Agriculture appeared first on Positive Connections.
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Using a Finance Broker for a Commercial Property Mortgage
Is There an Advantage in Using a Finance Broker for an Australian Commercial Property Mortgage?
If you are in the process of considering the purchase of commercial property in Australia, you might want to seek the services of a finance broker who can offer to you access to some of the best loans and interest rates in the marketplace.
A finance broker who specializes in commercial property mortgages, could be just the thing for you as you will be able to really compare loan packages and choose one that will fit your set of circumstances very well.
By specialising in a niche area, a finance broker can bring to the table tools, connections and resources that can bring forth commercial property mortgage products that can be tailored to your specific situation.
A finance broker will operate as an independent agent and will set up financial negotiations and arrangements for loans for property and other ventures as needed. It is possible to put together packages of separate loan entities in order to make a total package work for the best interest of the client.
By using a registered and licensed finance broker you as a prospective commercial property purchaser will have access to a wider choice of mortgage packages rates of interest than would have otherwise been possible. You will have been able to scour the entire market in order to discover what is the best options in the marketplace.
The advantage is that instead of having only one or two packages to compare, you will have literally hundreds from which to choose, which gives you a much more conclusive data base from which to make your choice.
You could liken a finance broker to a boutique shop who specialises in the proper fit of a product to the express need of the customer, and in this way you have more choice and a better product in the end.
The post Using a Finance Broker for a Commercial Property Mortgage appeared first on Positive Connections.
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Friday, 29 January 2016
Oak Laurel: Bad credit truck finance: truck loans for people w...
Oak Laurel: Commercial property loans
Oak Laurel: Self Employed home loans: How to get the best mort...
Oak Laurel: Commercial property development finance
Oak Laurel: Home loans with bad credit
Oak Laurel: Construction loans
Oak Laurel: Mortgage brokers in Brisbane
Oak Laurel: Mortgage brokers in Melbourne
Oak Laurel: Melbourne property prices on upward trend
Thursday, 28 January 2016
Oak Laurel: Property development finance broker job
Oak Laurel: Mortgage broker job / Finance broker job descripti...
Thursday, 14 January 2016
Agribusiness Finance Brokers Can Help Farmers
Agribusiness Finance Brokers Can Help Farmers as well as others inside the Sector to Run Their Businesses Profitably
Farming or any form of business that is associated to agriculture has some challenges that are unique to this particular niche of the economy. Farming and agriculture naturally are influenced by the weather and the environment and a lot of additional factors that cannot be easily controlled. This means that the requirements of capital and cash flows to keep the businesses running may vary.
Furthermore, an agribusiness loan is often required when buying new agricultural property or succession of the farm from parents to children. There is also a need to raise working capital to keep the business running. You may at times also require such finance for the expansion of your organization, to get agricultural machinery or restructure your business.
While searching for finance business owner must be sure of the amount that they need to borrow along with the term over which it can be repaid. The borrowed funds repayment frequency must match any income the business can generate. Lenders will insist on knowing the intention of the borrowed funds and pre-setting if the interest rate is fixed or variable. Loan amounts can be determined by the equity that is offered as security to secure the loan. Lenders will require you to qualify for the financing by examining your financial records and of your business. They can also base their decision on the kind of business which is being undertaken.
Loans may be taken for many different terms, though if cash flows are healthy, usually, it is restricted to fifteen years. Longer terms might be possible if there is the low ratio of loan to equity. Most lenders are comfortable with any ratio that is below seventy percent, but higher ratios might be allowed for well known and long running successful businesses.
Every type of agribusiness has its own needs for finance based on crop cycles, life cycles of livestock and other factors. This needs to be considered when the finance is being applied for to ensure that the finance that is provided will meet the business’ needs.
Agribusiness Finance Brokers
It is recommended to start the process of getting an agriculture business loan through a good agricultural finance broker. A good agribusiness finance broker can have an extensive network of lenders whom they can arrange loans through for the borrower.
The post Agribusiness Finance Brokers Can Help Farmers appeared first on Positive Connections.
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Tuesday, 12 January 2016
Oak Laurel: Investment property loans
Oak Laurel: Land Development Finance: Land subdivision Loans
Oak Laurel: Mortgage brokers in Brisbane
Oak Laurel: Mortgage brokers in Melbourne
Oak Laurel: Mortgage brokers Sydney
Oak Laurel: Home loans with bad credit
Oak Laurel: Low Doc home loans
Oak Laurel: Low doc construction loans
Oak Laurel: Owner builder loans
Oak Laurel: Home loans with a small paid default
Oak Laurel: Home loan bankruptcy bad credit
Tuesday, 5 January 2016
Mortgage Brokers on Frontline in War on Money Lending and Terrorism Funding
Mortgage Brokers on Frontline in War on Money Lending and Terrorism Funding
Australian mortgage brokers face new compliance requirements in the fight against money launders and terrorist funders after changes to the Anti-Money Laundering and Counter-Terrorism Financing Act 2006.
According to AUSTRAC, Australia’s Anti-money laundering & Counter terrorist funding government regulator, every year, serious and organised crime costs Australia an estimated $10–$15 billion. To use the proceeds of their crimes, criminals need to ‘launder’ this money to make it appear to have come from legitimate sources.
Furthermore, terrorism financing poses a serious threat at home and abroad. At its most damaging, it can fund the activities of domestic extremists. More commonly, terrorism financing can help sustain terrorist groups overseas and support foreign attacks and insurgencies.
The new changes being implemented by Australian mortgage brokers relate to new customer due diligence obligations being implemented by banks and lenders by the start of 2016. Because Australian mortgage brokers now account for more than half of the mortgages introduced to lenders in Australia, mortgage brokers, on behalf of the lenders are required to comply with the new requirements designed to stop money laundering and terrorism funding.
Mortgage broker industry associations Finance Brokers Association of Australia (FBAA) and Mortgage and Finance Association of Australia (MFAA) require refresher training in compliance with the requirements for all of their members that did not have the new requirements contained in their training previously.
“These new measures are a small amount of extra work for mortgage brokers but are another weapon in the war against criminals and terrorists attempting to misuse our financial system for their own gain” said Dr Nigel Abery (Ph.D.) owner of mortgage brokers company Oak Laurel.
“We all need to do our part in stopping serious criminals and terrorists. We as mortgage brokers need to do our part. I support the new requirements” said Dr Abery.
“If you are aware of these types or other types of serious illegal activities I urge you to report them to the relevant authorities” said Dr Abery.
The post Mortgage Brokers on Frontline in War on Money Lending and Terrorism Funding appeared first on Positive Connections.
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Australia’s Big Four Lag Behind the Lenders Giving Rise to Mortgage Brokers
Press release
Australia’s Big Four Lag Behind the Lenders Giving Rise to Mortgage Brokers
According to the latest research, the four major banks of Australia are lagging behind the lenders, in terms of providing satisfaction to the home loan customers. The survey conducted by Roy Morgan’s Single Source suggested that the satisfaction level provided by the leading banks of Australia that is NAB, Commonwealth Bank, ANZ and Westpac was 80% from March 2015 to September 2015.
The fact has also led many Australians turn to mortgage brokers to fulfill their lending needs. Often, the lack of knowledge causes the customers to make wrong property choices and that is when Mortgage brokers come into picture.
The survey also revealed that the next seven leading banks had a satisfaction level of 85% as well as ING Direct and ME Bank were leading in home loan customer satisfaction. Since Mortgage Brokers keep themselves updated with such information and tie up with the leading lenders, it helps the customers to choose the best mortgage property for them.
The bank with best level of customer satisfaction was reported to be ME Bank, with a percentage of 92.8%, ING Direct stood at 92.7% while SA held a satisfaction level of 88.7%.
CBA was leading the big four with 82.0% while Westpac received 80.8%. ANZ provided a satisfaction level of 77.5% and NAB stood at 78.9%. In spite of reducing the home loan rates, the banks saw a decreasing level of satisfaction in their home loan customers as compared to the non-home loan customers.
The above mentioned survey results and even the recent study done by Mortgage and Finance Association of Australia (MFAA) which stated that more number of Australians are turning to Mortgage brokers for their property lending needs.
However, it becomes highly important for the customers to choose the right mortgage broker considering all the parameters such as lending partners and previous records. Choosing a good mortgage broker allows the user to be in touch with the right lending partner that can offer them best cost and avoid any loss.
Norman Morris, the director of Roy Morgan Research industry communications mentioned in his statement that there might be a rise in home loan rates and it’ll become important to track the response of mortgage customers about the same. The fact may affect the satisfaction and reliability levels of the bank.
The customers are mainly drawn to the brokers who have access to a large panel of lenders so that the user can have a better choice.
Independent mortgage brokers such as Oak Laurel provides mortgage services in Australia’s major cities Canberra, Sydney, Brisbane, and Adelaide to guide borrowers from or outside Australia.
The post Australia’s Big Four Lag Behind the Lenders Giving Rise to Mortgage Brokers appeared first on Positive Connections.
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