Finance Basics

Questions about finance answered

+Property - Checklist for buying a property

Make sure you have: worked out your budget; arranged a pre-approved loan if you plan to buy at auction - you cannot make the contract of sale subject to finance if you buy at auction; selected your preferred suburb/location; worked out wh ... Read More

+Property - What do I need to know about buying an investment property?

Buying a property to rent out is a popular form of investment. Houses and units are easier to understand than many other types of investments, yet they do have some issues you need to be aware of. Before you enter the property market, check if thi ... Read More

+Property - What is a keystart home loan?

Keystart offers a variety of home loan options for first and subsequent homebuyers in Western Australia and we have full access to their products. Benefits of Keystart Home Loans Although only available for owner occupiers, Keystart has a numbe ... Read More

+Property - What is a loan to value ratio?

Loan to Value Ratio (LVR) What is an LVR A loan to value ratio or LVR is the term used to describe the debt level held against a security property expressed as a percentage. So for example a $500,000 loan secured by a house worth $1,000,000 wou ... Read More

+Property - What do I need to apply for a low-doc loan?

If you are self-employed, you may not have all of the usual documentation that is required to apply for a home loan But that doesn’t mean you can’t achieve your dream of becoming a home owner or property investor. Our Low Doc Loan is d ... Read More

+Property - What deposit do I need for a home loan?

Your home loan deposit is viewed as ‘your contribution’ to the purchase price of the property you wish to buy. Your deposit is one of the biggest factors in determining the kind of loan you may be eligible for and the amount you can borro ... Read More

+Property- How to access your equity

How to access your equity (and what to do with it) Saving up the cash for a deposit on a second property can be just as difficult as saving for your first home. So how do property investors manage to get their hands on enough money to build a dece ... Read More

+Property - Making a property investment

When it’s done right, investing in property can help you to build wealth for your future. In Australia, property is currently a very popular investment and many people are enthusiastically jumping into the market to make the most of the low int ... Read More

+Property - Maximising the Sale Value of Your Property

It’s generally a good idea to protect and improve the sale value of your property, even if you’re not intending on selling in the immediate future. Continuing to invest in and develop the property so that it remains modern and well-mainta ... Read More

+Property - What is a ‘strata title’ property?

Strata title is a method of facilitating individual ownership of part of a property – generally an apartment, unit or townhouse. Uniquely, strata title allows for individual ownership of an actual lot or unit whilst sharing ownership of the com ... Read More

+Vehicle - Can I apply if I am bankrupt or recently discharged from bankruptcy?

Yes you can. At Approved All Loans Group we have a panel of different lenders we have access to; they all have different lending criteria. It depends on your individual situation as to what options are available, and what lender we can look at gettin ... Read More

+Vehicle - Buying a car for the first time?

The car-buying process is never filled with so much uncertainty as the first time. Whether you just landed from overseas buying your first car isn’t easy. To make life easier, we’ve put together essential tips to help you buy your firs ... Read More

+Vehicle - Do I need car insurance?

You must take out compulsory third party (CTP) insurance before you are allowed to take your car on the road. If you borrow money and a lender takes security over the loan they will usually require you to pay for comprehensive insurance. This in ... Read More

+Vehicle - What is a chattel mortgage?

With a Chattel Mortgage the customer owns the car from the start of the agreement. The financier secures the loan by registering a charge over the car. Benefits to Business Preserve your working capital – immediate access to cars witho ... Read More

+Vehicle - How can I get a low rate car loan?

Factors that influence your interest rates If you're looking for a low interest car loan, there are some factors that could influence the rate you end up paying.   Secured Loan Getting a secured car loan means the car (or sometim ... Read More

+Vehicle - What Documents do I need for a car loan?

To receive final approval on your loan application, you will need to supply us with the following original documents: Primary Photographic Identification - Current Australian Driver Licence - Photographic Proof of Age Card - Current Australian ... Read More

+General - What are the benefits of an unsecured loan?

Unsecured Loan Benefits With Approved all Loans Group you can enjoy a number of benefits: you could get an answer the same business day Our pre-approvals have no obligation, so you’re not locked in No security required when ap ... Read More

+General - How are mortgage brokers paid?

Mortgage Broker provides a fee for service to clients and Where the bank pay’s Mortgage Broker for doing the work there is no fees charged. The benefit this is to clients is listed below. We know a lot more about the huge variety of pr ... Read More