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Insights by Ray Dib

Property Investment Guide

Property Investment Guide

Your guide to financing an investment property The Australian property market has performed consistently well over the last  ecade. This has inspired more people than ever before to invest in property. The prospect of attractive yields from simple investment...

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How does a Mortgage Broker get paid?

How does a Mortgage Broker get paid?

Ray and the Switch Finance team discuss how a mortgage broker gets paid, the facts vs the myths. If you have any questions, please contact us on 07 5532 0030.To provide solutions and outcomes in line with our clients' aspirations and goals, taking a long term view of...

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Home Loan Essentials

Home Loan Essentials

Your simple guide to home loans Australians value trustworthy, personalised mortgage guidance. That’s why over 55% of all new home loans are written through mortgage brokers (The Value of Mortgage Broking, Delloite Access Economics July 2018). Buying a property is the...

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Covid-19 Lender Financial Hardship Contact Details

Covid-19 Lender Financial Hardship Contact Details

Attached is a list of lenders' contact details and links to information around financial hardship. Please contact your lender directly should you need arrangements put in place. If you need to fill in forms and having difficulty then email us the form and we will get...

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Home Buyer Essentials

Home Buyer Essentials

You’re looking for a new home, how exciting! Buying a home can be one of the most exciting times in anyone’s life. When taking such a big step there are so many things to consider. This guide is designed to help you through the home buying process and answer your...

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How to start property investing

How to start property investing

Ever wondered how people use equity from their home to create an investment portfolio? Switch Finance Principal Ray Dib explains how you can use the home equity to fully fund the purchase of an investment property without putting in any cash. Watch the video for a...

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Cross Collateralisation or Stand Alone?

Cross Collateralisation or Stand Alone?

Cross Collateralisation is a term used when the collateral for one loan is also used as collateral for another loan. If a person has borrowed from the same bank a home loan secured by the house, a car loan secured by the car, and so on, these assets can be used as...

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Why choose a mortgage broker?

Why choose a mortgage broker?

Why go to a mortgage broker over a bank? How much deposit do we really need? What paperwork is needed and why? Why do interest rates rise?   Q & A Tim Allwood, Principal of Compass Property Investing discusses the industry's frequently asked questions with...

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Bugger The Banks

Bugger The Banks

Rate increase of .46%! That's just rude. I received a letter from my bank a few days ago, advising that my interest rate is going up a massive 0.46% without any story! Normally they provide a bullshit story with the letter to make it more palatable and entertaining...

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