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Getting the right home loan
It's easy enough to look in the newspaper or on the Internet to find a lender for your home loan,
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- Can I get an Instant Quote for Life Insurance?
- No - not through this website, because we believe that to get the right life insurance, you need to talk to a professional.
- What is Income Protection Insurance?
- There are two variations of Income Protection Insurance: - Short Term Income Protection and PHI or Permanent Health Insurance.
- What is Terminal Illness Insurance?
- Terminal Illness Insurance pays out if you are diagnosed with an illness from which you are expected to die within 12 months of diagnosis.
- How is a claim made under a life insurance policy?
- All claims are made against the Life Company who issued your policy. You will find details of the claims procedure within the policy documents they provide with your policy and in the key features document.
Choose a lender that knows the business
Unless a buyer is also in the financial markets business, he depends on the lender to know the market well enough to provide him the information that he needs to know. You certainly don't want a lender telling you that every other lender charges an appraisal fee to the buyer only to find out that the lender down the street makes the seller pay it, and you ( life insurance ) could have saved a great deal of money. That doesn't mean that every lender is going to know everything about what his competitors are doing, but you want someone who has a good idea what the market trends are.
The lender should be compassionate to your needs
If you are applying for your home loan because you have sold your current residence or your apartment lease is running out, the lender should be compassionate to your time restraints and do his best to assure approval prior to that time. It isn't good business if the lender knows you must move by a certain date and does not make the effort to ( mortgage quotes ) finalize your home loan so that you can meet that deadline. If the lender fails to meet the buyer's deadline, he is starting with a very poor relationship, which is not a good thing for something that is going to continue for several years at least.