Archive for the ‘nab’ Category
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The Bias of Banks vs the Balance of Brokers
September 2nd, 2009 | 
Author: Do you have clearly defined financial goals? Yes? Congratulations for taking a huge step towards your financial freedom. And if you dont yet have defined financial goals, youre not alone. Most us of get by from one day to the next, scraping together just enough to cover home loan repayments and credit card debt, wishing pay day would arrive a week sooner. The goods news is that with the right advice and strategy in place, this can change.
There are great benefits to obtaining professional financial advice. Professionals can help you to find a range of solutions to suit your personal circumstances. You may find out about options you didnt previously know were available to you such as debt consolidation, refinancing your current home loan, how to take advantage of offset accounts, or learning how to build a portfolio of investments such as property.
Most of the big banks offer channels for financial advice, such as Nationals Financial Planners. These NAB representatives are available for NAB customers and members of the general public to discuss financial strategies and solutions.
The problem with using a National Financial Planner is that by the very nature of their roles, they need to recommend NAB solutions. This cuts out a range of home loan products, accounts and financial solutions that could be of benefit to you and limits you to the products available only through NAB.
Financial advice from nab representatives may be valuable if you are already an NAB customer with a home loan and existing accounts with them, but independent advice is likely to be more suited to a wider group of customers.
A financial broker who is independent from the banks such as NAB can offer a much wider range of home loans and financial solutions. They are also more likely to want to help you to clear your debt faster, while the banks prefer you to stay in debt and make money from you in the form of interest charges and bank fees.
A financial broker can advise you on how to make the most of your money, manage your tax options and build your wealth, rather than increase the amount of money you owe.
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About to NAB your first home loan?
Youve survived your first steps, first day at school and first job. So now its time to apply for your first home loan. As a first home buyer, it is important to be prepared before you enter the home loan hunting game.
Every lender has a different set of lending criteria, so be sure to familiarise yourself with what is required before you apply. national bankprovide a list of information you need to supply in order to apply for a home loan.
Whats your worth?
In order to assess how much you are able to borrow, NAB need to determine how much you earn every month. To prove this, you may need to supply pay slips, tax assessments, a statement from your employer to declare your income or any other documentation to show any form of income.
You will need to supply NAB with information and even account details of your savings and any investments you may have. Assets including shares, cars, term deposits or other items of value also need to be declared to NAB, as these contribute to your net worth and could increase the amount you are eligible to borrow.
What are your outgoings?
Just as NAB need to know your income and assets, they need to assess your credit risk. This means you need to provide NAB with full details, including the balances and credit limits, of any credit cards or store cards you may have. You also must supply the details of personal loans, car loans or other debts you may already have.
Details of your living expenses also help NAB to assess your application, as these expenses help them to determine your serviceability, which means how likely you are to be able to afford home loan repayments.
Other Details
In order to assess your nab home loan application, NAB require your current landlord/landladys name and contact details. They also require your drivers licence number, details of all of your insurance and superannuation policies and the contact details of your solicitor or conveyancer.
Applying for your first home loan is a big step, but it is not one that you need to take alone. Find a reputable financial broker who can help you through the application process and help you to shop around with a number of lenders to find the right home loan for your situation.
Sony Hot Products – NAB 2009
A Sony video highlighting some of company’s hottest products at nab 2009. Products include the SRW-9000 camcorder, PDW-F800 XDCAM, MVS-6000 switcher and more.
Duration : 0:3:53
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Lisa Osborne – What Westpac Bank is all about
westpac banking Corporation is regarded as one of the big four players in the Home Loan market, especially since merging with Challenge Bank a few years ago.
Westpac have a very large number of Home Loan options, all of which provide excellent benefits to their ever-expanding customer base.
Some of the Home Loan products that Westpac provide are:
1 year Guaranteed: This is a popular Home Loan with Westpac customers. It allows you to lock in your interest rate for the 1st year of your Home Loan, therefore enabling you to budget your mortgage repayments for the whole year without being affected by an interest rate rises. At the completion of the first year your interest rate reverts back to Westpacs standard variable rate.
Equity Access Home Loan: Westpacs Equity access account is an all-in-one Line of Credit Home Loan. This allows you to bank your income into your Home Loan and draw upon it when required. Great for customers who have great budgeting skills and earn a relatively high income.
Fixed Options: westpac has fixed rate Home Loans for periods of 1,2,3,4,5,7 and 10 years. These guarantee the interest rate for that period and can protect you and your repayments against interest rate rises. Once your Home Loan fixed rate term finishes, Westpac will give you the option of another fixed rate term or the variable interest rate at the time.
Rocket Repay: This is Westpacs Offset account. It allows you to have your income sitting in an offset account, offsetting your loan. This will save you money (interest), which is calculated daily.
First Option: This Home Loan is best if you are just starting in your first home. It allows you to have a full range of flexibility and options, but Westpac only charges you for them when you use them.
Premium Option Home Loan: Westpac have designed this loan to cater for those people who want a flexible loan, one that is able to change when your circumstances change. It has a full range of features, which give you the freedom to do what you want, when you want to do it!
Westpac LoDoc Home Loan: This is a loan structure that is specifically designed for those Self Employed borrowers, who may not be able to provide full financials to support their income. They must have a registered ABN and sign a declaration stating that they can afford the Home Loan and its repayments.
Rocket Investment Loan: Westpac cater for the Investor market with exceptionally competitive Home Loan interest rates. They can be fixed or variable depending on your preference for loan flexibility.
Westpac has had great growth in 2006 with its consumer lending, especially with Australias booming credit card market and personal loan lending. Westpac will remain as one of the largest Home Loan lenders in the Australian mortgage market for many more years to come due to its competitive interest rates and flexible loan structures.
Apple NAB 2007 Reel
Independent filmmakers, Hollywood studios, post-production facilities, and global news networks have come to rely on Final Cut Studio to help them turn their visions into reality.
Duration : 0:2:28