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.

Don't forget to include the following documentation with your completed and signed application form. Income Current pay slip plus last two group certificates If self empoyed, last two years personal and business tax returns and assessments Savings Bank Statements showing six months saving history If you've received a cash gift, a warranty from the provider Other Copies of the front page of the purchase contract Certificate of title (Victoria only) Investment - lease, rent appraisal or evidence of receipt of rental income Re-financing - past 12 months statements for existing loan(s), copies of rate notices and fire insurance policy and certificate of title (Victoria only) Building - provide a copy of plan, specifications and builder's fixed price tender Application Fee. Credit card details or cheque made payable to Aussie

Location counts. You've probably heard the old real estate joke about "location, location, location," but the point still bears repeating. Location is crucial. How far are you really willing to travel to your place of employment? How good are the local schools, shopping centres, public transport and other public facilities? Make a list. Do you (and your partner) really know what you need and want in your home? You'll save yourself many hours of looking if you make a list ahead of time. Focus in on the features you must have, would like to have, definitely don't want and would prefer not to have. Tip: Start compiling your wish list by thinking about what you like and dislike about your current home.

When assessing the cost of a home loan, you need to consider not just the interest rate, but other costs too, such as ongoing fees, and up-front charges. As these can vary between lenders and loans, the comparison rate was created to give borrowers a better indication of the real cost of a loan. The comparison rate is one indicative interest rate that lets you compare the total cost of a loan between products and lenders. Calculated using a standard formula, it takes into account the amount and term of the loan, the repayment frequency, the interest rate and fees and charges associated with the loan. This helps you obtain a more comprehensive picture of what your home loan is going to cost you over the life of the loan.