Will you repay the loan? This is based on your credit score. Above a 640 probably, below a 640 probably not. Pull all three credit reports so that you know for sure. Can you run the business successfully? Do you have five (5) years experience? Is the business two (2) years old? Have your resume and proof of time in business ready. Are you paying back the loan or is a tenant/customer? Have your account receivable ready. Is the loan tied to an asset or unsecured? Have your assets list ready. Is your business plan done? What a myth! Lenders do want to see that you can create a realistic plan, but they won't approve you just because you have one. Get yours ready. Debt service? Do your financials indicate that you can handle the payment? Up-to-date personal and business finacial statements are required. What have you risked? Have you used savings? Have you borrowed from friends and family? If you don't believe and you haven't risked, why would a lender? What collateral will secure the loan? Your home, your savings, your retirement? Have your complete itemized list ready.

Your home is worth a lot to you ... but dishonest home contractors see the value in it, too. Every year, people spend billions of dollars for home improvements. Usually the work is done well, but each year many homeowners are victims of poor, overpriced, or never-completed work. Some people posing as home repair specialists are simply con artists looking for easy money. Others are "front men" for predatory lenders. If you are planning on making repairs or improvements to your home, it is important to pick the right contractor and the right financing. Here's how.

A reverse mortgage is a home loan that you do not have to pay back for as long as you live in your home. It can be paid to you in one lump sum, as a regular monthly income, or at the times and in the amounts you want. The loan and interest are repaid only when you sell your home, permanently move away, or die.

Sometimes a home equity loan is a good way to borrow money, but there are some lenders that only bring problems. Predatory home mortgage lenders look for people who may have financial difficulty. They hunt for people who may be behind on property taxes, who need to fix up their home, or who need money for medical bills. Once they find these people, the lenders often use highpressure sales talk, high interest rates, outrageous fees, and repayment terms that the person can't afford. Fast talkers can trick homeowners into taking out loans that they can't afford to pay back. When they can't make the payments, their homes are at risk of foreclosure.

You may be self-employed, with your personal and business finances all linked together. Many lenders offer excellent services for those who are self-employed and have more complex financial needs. CF Lending's Consultant can compare all the loans on our panel and help you find the best loans for your unique situation. We can also show you some great ways to save thousands of dollars and take may years off your loans.

Consumer First Lending Services Consultants are fully experienced in all areas of Property Investment. Investing in property has long been considered a safe and efficient way to build wealth. It's attractive for several reasons, including; rental income, capital growth and negative gearing. Whether you want to take advantage of tax savings, provide your family with long-term security, build a nest egg or simply enjoy life, an investment loan can help you build wealth that could last for generations. If you already have a home, it may also be possible for you to use the equity you've built up in that for further property investment. If you're thinking about property investment, check out our tips below, and have a chat to CF Lending's Consultant today.

When it comes to home loans its easy to get complacent, that is, until you realise you're throwing away thousands of dollars! That's why you should speak to a CF Lending's Consultant today. It's quick, easy, obligation-free and could save you thousands off your mortgage. We'll compare your home loan against the hundreds on our panel to make sure you have a great deal. Best of all, meeting up with a Consultant to compare loans costs you nothing! It's no wonder the majority of people who visit CF Lending end up finding a substantially better loan - one worth switching to!

Buying your first home is exciting, but it can also be a little daunting. At Consumer First Lending Services, we're here to make it as easy for you as possible, so we've provided this stress-free introduction to buying your first home.

There are thousands of different home loans on the market, all with different rates, fees and features. If you haven't already decided, the following might help you choose the type of loan that's best suited to your situation. Home loans are generally categorised under: Contact Consumer First Lending Services today and we will individually tailor a loan or combination of loans to suit your requirements. We are Putting the Consumer First!

Got a question? Below is a list of answers to the questions most commonly asked by customers and past visitors to our site. Simply click on a question below to see the answer. Still can't find the answer you're looking for? Why not try the search function located in the upper right hand corner of this page.