Apresentação teleconferência resultados 3 t 1011Tereosri
[1] O relatório apresenta os resultados financeiros da Tereos Internacional para o 3o trimestre de 2010/11, destacando forte crescimento da receita e lucro líquido recorde; [2] O segmento de cana-de-açúcar teve forte desempenho, impulsionado por aumento de vendas e preços no Brasil e resultados sólidos na Ilha da Reunião e Moçambique; [3] O fluxo de caixa foi impactado pelo aumento sazonal do capital de giro, mas a dívida líquida/EBIT
This real estate report summarizes home sales data for Magnolia, TX (zip code 77354) from January 2012 to January 2014. It provides monthly breakdowns of average and median home sale prices, average price per square foot, average number of days homes spent on the market, and months of inventory (supply and demand). Overall, the data shows some fluctuations in these key metrics from month to month but generally stable or slightly increasing home values and times on market over the two-year period.
Drakathas is a young Tauren who develops a special bond with animals at a young age. His village is attacked by Alliance soldiers, killing his family and friends. Guided by the spirit of his friend Teal, Drakathas spends the next 12 years exploring Azeroth, training his beast mastery abilities. He is eventually approached to join a Night Elf clan, which may be part of the destiny Teal has referred to.
This document provides tips and advice about financing property investments. It discusses various topics like first home owner assistance programs, construction loans, credit scoring, loan structures, lenders mortgage insurance, buying at auction, offset accounts, and making extra payments. Throughout, it highlights potential pitfalls ("traps") to watch out for, such as ensuring pre-approvals cover both the borrower's ability and the specific property being purchased. The overall message is to be aware of financing options and their implications to make informed financial decisions around property investments.
This document provides information about lending options for self-managed superannuation funds (SMSFs) to purchase investment properties. It outlines that SMSFs can now borrow up to 70% of a property's value for residential properties and 60% for commercial properties. The loans are secured by the property and serviced by rental income, with limited recourse only to the property if the SMSF defaults. Key benefits include accelerating wealth accumulation through gearing and accessing tax benefits. The target market is SMSFs allowed to and wishing to use debt for investments.
This document discusses the benefits of property investment in Australia. It notes that property has averaged 5-8% capital growth over the last 30 years due to steady demand and limited supply. The key benefits of property investment are outlined as gearing/leverage, positive cash flow from rent payments and tax deductions, and long-term capital growth. The document recommends working with a team of specialists including a mortgage broker, accountant, solicitor, and property investment specialist when getting started in property investment. It also describes software that can analyze the viability and projected performance of specific investment properties.
Apresentação teleconferência resultados 3 t 1011Tereosri
[1] O relatório apresenta os resultados financeiros da Tereos Internacional para o 3o trimestre de 2010/11, destacando forte crescimento da receita e lucro líquido recorde; [2] O segmento de cana-de-açúcar teve forte desempenho, impulsionado por aumento de vendas e preços no Brasil e resultados sólidos na Ilha da Reunião e Moçambique; [3] O fluxo de caixa foi impactado pelo aumento sazonal do capital de giro, mas a dívida líquida/EBIT
This real estate report summarizes home sales data for Magnolia, TX (zip code 77354) from January 2012 to January 2014. It provides monthly breakdowns of average and median home sale prices, average price per square foot, average number of days homes spent on the market, and months of inventory (supply and demand). Overall, the data shows some fluctuations in these key metrics from month to month but generally stable or slightly increasing home values and times on market over the two-year period.
Drakathas is a young Tauren who develops a special bond with animals at a young age. His village is attacked by Alliance soldiers, killing his family and friends. Guided by the spirit of his friend Teal, Drakathas spends the next 12 years exploring Azeroth, training his beast mastery abilities. He is eventually approached to join a Night Elf clan, which may be part of the destiny Teal has referred to.
This document provides tips and advice about financing property investments. It discusses various topics like first home owner assistance programs, construction loans, credit scoring, loan structures, lenders mortgage insurance, buying at auction, offset accounts, and making extra payments. Throughout, it highlights potential pitfalls ("traps") to watch out for, such as ensuring pre-approvals cover both the borrower's ability and the specific property being purchased. The overall message is to be aware of financing options and their implications to make informed financial decisions around property investments.
This document provides information about lending options for self-managed superannuation funds (SMSFs) to purchase investment properties. It outlines that SMSFs can now borrow up to 70% of a property's value for residential properties and 60% for commercial properties. The loans are secured by the property and serviced by rental income, with limited recourse only to the property if the SMSF defaults. Key benefits include accelerating wealth accumulation through gearing and accessing tax benefits. The target market is SMSFs allowed to and wishing to use debt for investments.
This document discusses the benefits of property investment in Australia. It notes that property has averaged 5-8% capital growth over the last 30 years due to steady demand and limited supply. The key benefits of property investment are outlined as gearing/leverage, positive cash flow from rent payments and tax deductions, and long-term capital growth. The document recommends working with a team of specialists including a mortgage broker, accountant, solicitor, and property investment specialist when getting started in property investment. It also describes software that can analyze the viability and projected performance of specific investment properties.
This document summarizes a non-genuine savings (rental) policy for obtaining a home loan. The policy allows rental payments to satisfy the minimum 5% deposit requirement if 12 months of continuous rental history can be demonstrated. Borrowers still need funds to complete the loan transaction, which can come from other sources than savings. With 3-12 months rental history, borrowers can use funds from sources like bonuses, inheritances, or asset sales, but are limited to loan-to-value ratios of 90-95%. The policy aims to help renters purchase homes and considers rental payments as evidence of ability to make regular financial commitments.
A novated lease is a salary packaging arrangement where an employee leases a vehicle through a finance company and the employer agrees to make the lease payments from the employee's pre-tax income. The employer takes over the employee's obligations under the lease agreement. This allows the employee to benefit from tax savings while having use of a vehicle. However, if the employment ends the obligations revert back to the employee. Novated leases provide benefits to both employees and employers, with employees gaining choice of vehicle and tax savings, and employers able to offer a competitive remuneration package.
This document provides information on different types of mortgages. It explains that a mortgage is a loan used to finance the purchase of a property, with the property serving as security. There are two main types of mortgages: line of credit loans and term loans. Term loans have fixed interest rates that remain the same for a set period, providing payment stability but less flexibility. Variable rate loans fluctuate with the market but offer more flexibility to make payments. The document advises speaking with a lending specialist to determine the best option based on individual repayment goals and property ownership timeframe.
This document provides information about obtaining financing for management rights businesses. It discusses that the author, Jon Colley, has 15 years of experience assisting management rights operators with financing. Jon can help structure financing packages to support purchasing and running a management rights business. It emphasizes the importance of working with specialists that understand the complexities and needs of management rights businesses, such as obtaining merchant facilities. Finally, it notes that the amount that can be borrowed depends on the individual circumstances, but most lenders consider loan-to-value ratios of 55-65% of the management rights value and 80% of any residential property, as well as debt service ratios.
(1) A Go-Between Loan allows a homeowner to purchase a new home before selling their existing home. (2) It provides up to 100% financing of the new home plus fees, with no loan repayments required on the new home for up to 6 months. (3) Once the existing home is sold, the funds must go towards paying off the original loan first before reducing the balance of the new loan as specified in the contract.
Jason and Sarah want to buy their first home for $380,000 but do not have the required 5% deposit. With a family guarantee loan, Sarah's parents can pledge $80,000 secured against their own home to help Jason and Sarah obtain a loan for the full purchase price plus costs of $384,000. This allows Jason and Sarah to avoid paying mortgage insurance and to borrow more than the bank would normally allow based on the property value alone. If Jason and Sarah default on the loan, Sarah's parents would only be responsible for the $80,000 portion secured by their guarantee.
This document discusses the pros and cons of cross-collateralizing property loans. Cross-collateralization occurs when multiple properties are used as security for a single lending portfolio. While it provides advantages like lower interest rates, cross-collateralization also poses disadvantages for serious property investors, such as lack of flexibility and control over the portfolio. The document analyzes the disadvantages in depth and concludes that while cross-collateralization may be suitable for some, serious long-term investors are generally better off with their loans structured separately without cross-collateralization.
Your credit score is calculated by computers using information from your loan application and credit file to assess your risk level for lenders. It considers your credit history with missed payments or defaults negatively impacting your score, as well as factors like income, assets, debts, and loan purpose. You can obtain a copy of your credit file from Veda Advantage to check for any adverse listings that could negatively affect your credit score and home loan application.
The document discusses credit files and how they can impact loan applications. It explains that credit files contain an individual's credit history and payment records, which lenders use to determine loan risk. The files include details like addresses, debts, defaults, and bankruptcies. Negative information generally stays on record for 5-7 years. Individuals can obtain free copies of their credit file from the credit agency to check for errors and dispute inaccurate information to improve their chances of loan approval.
This document provides information about construction loans. It explains that construction loans allow borrowing to build a new home and discusses some key things to consider with this type of loan. Borrowers must put equity into the project upfront, builders require deposits before providing plans, and progress payments are made in stages as the home is built. The document outlines the typical stages of construction and progress payments, and stresses the importance of using a reputable builder.
This document provides tips for buying property at auction. It advises that buyers should do their homework by registering interest in properties, obtaining pre-approval for financing, and determining their maximum bid price in advance. On auction day, the highest bidder becomes legally obligated to purchase the property if their bid meets or exceeds the seller's reserved price. Post-auction, the buyer must pay a deposit, insure the property, and use a solicitor for settlement. Overall, the document recommends preparing finances and knowing one's limit before bidding to ensure getting the desired property.
This document discusses different types of car and equipment financing available for businesses. There are four main types: commercial hire purchase, chattel mortgage, lease, and novated lease. For each type, the document outlines the key features, such as whether the customer takes ownership of the vehicle, how payments and taxes are structured, and whether interest rates and payments are fixed. It also provides a comparison table contrasting the features of each financing option to help customers determine which best suits their needs and business.
1. The document provides 20 tips for saving money on home loan repayments, such as creating a realistic budget, paying bills in advance, getting educated on mortgage products, making fortnightly repayments, and bringing lunch from home instead of buying.
2. Implementing some of the tips, like switching to a lower interest credit card or making fortnightly repayments, can significantly reduce interest costs and the loan term.
3. Following all of the tips could potentially save over $100,000 in interest and take 10 years off a $250,000, 30-year loan. The document encourages contacting Loan Wize for assistance in reaching home loan repayment goals.
The document promotes the financial services of Tammy Reid and her company Loan Wize. It summarizes Tammy's qualifications and experience in finance and mortgage broking. Loan Wize offers specialized lending advice and helps clients obtain the best loan rates. Their services include collecting client financial information, negotiating rates, recommending suitable loan products, and managing the application and approval process. The goal is to make the financing process easy to understand and connect clients with the right lender for their needs.
This document provides information about an individual who has over 26 years of experience in the finance industry. They have various qualifications including a Diploma of Financial Services and experience as a financial planner and property developer. They specialize in providing access to over 40 lenders for residential, investment, commercial, and other types of property as well as business and equipment financing. They work closely with accountants and advisers to structure borrowing arrangements to maximize profitability and minimize taxes for clients.
- Property investment can lead to significant wealth creation over the long term if done strategically. While shares have also generated high returns for some, property is seen as a safer investment.
- The key aspects to consider with property investment are which types of properties to invest in, where to purchase, how to structure financing using leverage, and timing purchases to coincide with favorable market conditions.
- Careful planning is needed to manage risks like ensuring sufficient tenants and avoiding oversupply of investors in a local market. With a sound strategy, property can deliver wealth and financial freedom.
A typical self-employed client will most likely be suited to a Chattel Mortgage for their vehicle & equipment finance needs, mainly because it allows them to own the goods while the lender secures them. A typical large company that turns over more than $1m per year and accounts on an accrual basis will most likely be suited to a Commercial Hire Purchase because it is flexible and interest/depreciation can be claimed upfront. A typical PAYG client who requires a vehicle for business use will likely use a Commercial Hire Purchase because it caters for commercial clients operating a business. A typical salaried employee who wishes to obtain a vehicle via a salary sacrifice will use a Novated Lease because
This document discusses strategies for paying off a home loan sooner to save on interest costs. It provides examples comparing repayment amounts and interest savings for 20-year versus 30-year loans. It then outlines how making additional weekly repayments of $300 could reduce the loan term by 18 years and save over $262,000 in interest on a $350,000 loan. Continuing those additional repayments for the remaining loan term could grow the savings to over $1 million. The document stresses seeking professional financial advice and provides a fact sheet to help come up with the extra weekly repayment amount.
The document appears to be a presentation about various financial products and services, presented in a "Who Wants To Be A Millionaire" game show format. It includes questions about car financing, personal loans, equipment financing, insurance premium funding, and the presenter's qualifications. The presentation encourages attendees to contact the presenter, Tammy, for a one-on-one meeting to discuss their financial needs and options.
A specialist in business lending offers various loan options to fund business acquisitions, expansions, and working capital needs. These include borrowing using home equity at lower interest rates than traditional business loans. The specialist has an accounting degree and 12 years of lending experience working closely with business owners and advisers. Low documentation vehicle loans are available for businesses registered for GST and ABN for over 24 months and who own their home.
This document summarizes a non-genuine savings (rental) policy for obtaining a home loan. The policy allows rental payments to satisfy the minimum 5% deposit requirement if 12 months of continuous rental history can be demonstrated. Borrowers still need funds to complete the loan transaction, which can come from other sources than savings. With 3-12 months rental history, borrowers can use funds from sources like bonuses, inheritances, or asset sales, but are limited to loan-to-value ratios of 90-95%. The policy aims to help renters purchase homes and considers rental payments as evidence of ability to make regular financial commitments.
A novated lease is a salary packaging arrangement where an employee leases a vehicle through a finance company and the employer agrees to make the lease payments from the employee's pre-tax income. The employer takes over the employee's obligations under the lease agreement. This allows the employee to benefit from tax savings while having use of a vehicle. However, if the employment ends the obligations revert back to the employee. Novated leases provide benefits to both employees and employers, with employees gaining choice of vehicle and tax savings, and employers able to offer a competitive remuneration package.
This document provides information on different types of mortgages. It explains that a mortgage is a loan used to finance the purchase of a property, with the property serving as security. There are two main types of mortgages: line of credit loans and term loans. Term loans have fixed interest rates that remain the same for a set period, providing payment stability but less flexibility. Variable rate loans fluctuate with the market but offer more flexibility to make payments. The document advises speaking with a lending specialist to determine the best option based on individual repayment goals and property ownership timeframe.
This document provides information about obtaining financing for management rights businesses. It discusses that the author, Jon Colley, has 15 years of experience assisting management rights operators with financing. Jon can help structure financing packages to support purchasing and running a management rights business. It emphasizes the importance of working with specialists that understand the complexities and needs of management rights businesses, such as obtaining merchant facilities. Finally, it notes that the amount that can be borrowed depends on the individual circumstances, but most lenders consider loan-to-value ratios of 55-65% of the management rights value and 80% of any residential property, as well as debt service ratios.
(1) A Go-Between Loan allows a homeowner to purchase a new home before selling their existing home. (2) It provides up to 100% financing of the new home plus fees, with no loan repayments required on the new home for up to 6 months. (3) Once the existing home is sold, the funds must go towards paying off the original loan first before reducing the balance of the new loan as specified in the contract.
Jason and Sarah want to buy their first home for $380,000 but do not have the required 5% deposit. With a family guarantee loan, Sarah's parents can pledge $80,000 secured against their own home to help Jason and Sarah obtain a loan for the full purchase price plus costs of $384,000. This allows Jason and Sarah to avoid paying mortgage insurance and to borrow more than the bank would normally allow based on the property value alone. If Jason and Sarah default on the loan, Sarah's parents would only be responsible for the $80,000 portion secured by their guarantee.
This document discusses the pros and cons of cross-collateralizing property loans. Cross-collateralization occurs when multiple properties are used as security for a single lending portfolio. While it provides advantages like lower interest rates, cross-collateralization also poses disadvantages for serious property investors, such as lack of flexibility and control over the portfolio. The document analyzes the disadvantages in depth and concludes that while cross-collateralization may be suitable for some, serious long-term investors are generally better off with their loans structured separately without cross-collateralization.
Your credit score is calculated by computers using information from your loan application and credit file to assess your risk level for lenders. It considers your credit history with missed payments or defaults negatively impacting your score, as well as factors like income, assets, debts, and loan purpose. You can obtain a copy of your credit file from Veda Advantage to check for any adverse listings that could negatively affect your credit score and home loan application.
The document discusses credit files and how they can impact loan applications. It explains that credit files contain an individual's credit history and payment records, which lenders use to determine loan risk. The files include details like addresses, debts, defaults, and bankruptcies. Negative information generally stays on record for 5-7 years. Individuals can obtain free copies of their credit file from the credit agency to check for errors and dispute inaccurate information to improve their chances of loan approval.
This document provides information about construction loans. It explains that construction loans allow borrowing to build a new home and discusses some key things to consider with this type of loan. Borrowers must put equity into the project upfront, builders require deposits before providing plans, and progress payments are made in stages as the home is built. The document outlines the typical stages of construction and progress payments, and stresses the importance of using a reputable builder.
This document provides tips for buying property at auction. It advises that buyers should do their homework by registering interest in properties, obtaining pre-approval for financing, and determining their maximum bid price in advance. On auction day, the highest bidder becomes legally obligated to purchase the property if their bid meets or exceeds the seller's reserved price. Post-auction, the buyer must pay a deposit, insure the property, and use a solicitor for settlement. Overall, the document recommends preparing finances and knowing one's limit before bidding to ensure getting the desired property.
This document discusses different types of car and equipment financing available for businesses. There are four main types: commercial hire purchase, chattel mortgage, lease, and novated lease. For each type, the document outlines the key features, such as whether the customer takes ownership of the vehicle, how payments and taxes are structured, and whether interest rates and payments are fixed. It also provides a comparison table contrasting the features of each financing option to help customers determine which best suits their needs and business.
1. The document provides 20 tips for saving money on home loan repayments, such as creating a realistic budget, paying bills in advance, getting educated on mortgage products, making fortnightly repayments, and bringing lunch from home instead of buying.
2. Implementing some of the tips, like switching to a lower interest credit card or making fortnightly repayments, can significantly reduce interest costs and the loan term.
3. Following all of the tips could potentially save over $100,000 in interest and take 10 years off a $250,000, 30-year loan. The document encourages contacting Loan Wize for assistance in reaching home loan repayment goals.
The document promotes the financial services of Tammy Reid and her company Loan Wize. It summarizes Tammy's qualifications and experience in finance and mortgage broking. Loan Wize offers specialized lending advice and helps clients obtain the best loan rates. Their services include collecting client financial information, negotiating rates, recommending suitable loan products, and managing the application and approval process. The goal is to make the financing process easy to understand and connect clients with the right lender for their needs.
This document provides information about an individual who has over 26 years of experience in the finance industry. They have various qualifications including a Diploma of Financial Services and experience as a financial planner and property developer. They specialize in providing access to over 40 lenders for residential, investment, commercial, and other types of property as well as business and equipment financing. They work closely with accountants and advisers to structure borrowing arrangements to maximize profitability and minimize taxes for clients.
- Property investment can lead to significant wealth creation over the long term if done strategically. While shares have also generated high returns for some, property is seen as a safer investment.
- The key aspects to consider with property investment are which types of properties to invest in, where to purchase, how to structure financing using leverage, and timing purchases to coincide with favorable market conditions.
- Careful planning is needed to manage risks like ensuring sufficient tenants and avoiding oversupply of investors in a local market. With a sound strategy, property can deliver wealth and financial freedom.
A typical self-employed client will most likely be suited to a Chattel Mortgage for their vehicle & equipment finance needs, mainly because it allows them to own the goods while the lender secures them. A typical large company that turns over more than $1m per year and accounts on an accrual basis will most likely be suited to a Commercial Hire Purchase because it is flexible and interest/depreciation can be claimed upfront. A typical PAYG client who requires a vehicle for business use will likely use a Commercial Hire Purchase because it caters for commercial clients operating a business. A typical salaried employee who wishes to obtain a vehicle via a salary sacrifice will use a Novated Lease because
This document discusses strategies for paying off a home loan sooner to save on interest costs. It provides examples comparing repayment amounts and interest savings for 20-year versus 30-year loans. It then outlines how making additional weekly repayments of $300 could reduce the loan term by 18 years and save over $262,000 in interest on a $350,000 loan. Continuing those additional repayments for the remaining loan term could grow the savings to over $1 million. The document stresses seeking professional financial advice and provides a fact sheet to help come up with the extra weekly repayment amount.
The document appears to be a presentation about various financial products and services, presented in a "Who Wants To Be A Millionaire" game show format. It includes questions about car financing, personal loans, equipment financing, insurance premium funding, and the presenter's qualifications. The presentation encourages attendees to contact the presenter, Tammy, for a one-on-one meeting to discuss their financial needs and options.
A specialist in business lending offers various loan options to fund business acquisitions, expansions, and working capital needs. These include borrowing using home equity at lower interest rates than traditional business loans. The specialist has an accounting degree and 12 years of lending experience working closely with business owners and advisers. Low documentation vehicle loans are available for businesses registered for GST and ABN for over 24 months and who own their home.
1. L o a n W i z e – W i z e U p t o y o u r B e s t F i n a n c i a l D e c i s i o n Page 1
Home Loans
Investment Loans
Business Loans
Commercial Property Loans
Asset Finance
Fact Sheet: Improve my Credit Score / Rating
What is it?
Your credit score is a automated computer generated assessment of the risk of your loan
application and of how risky you are to a creditor. For us, this means how risky your home
loan application is to a potential lender. Your credit score is calculated entirely by computers
using information from your loan application and credit file without any human input.
In Australia it is specific to each lender. In other words, your credit score will be different
depending on which lender you apply with. Your score will result either in your loan being
approved, declined or referred to a credit officer for manual assessment.
Why did I fail credit score?
Many loan applications these days are declined due to a number of different reasons, the most
common and hardest problem to get around is due to a low credit score from the lender and
not meeting their minimum credit score for approval.
The most common causes for a failed credit score include:
Bad credit history.
Lack of genuine savings.
Instability of address or employment.
Missed or late payments.
How can I improve my credit rating?
In most cases there are two or three
aspects of your application which are
causing you to have a low score. The first
step is to identify what is causing your loan
to fail the bank’s credit score. By rectifying
these problems you can improve your score
and apply for the loan again. If you fix the
wrong aspect of your situation then you’ll
waste a lot of time for little result. If you
have problems with your credit file then you
can talk to credit repair experts who can
help you remove defaults that were
incorrectly or unjustly lodged on your file. Once you have fixed up any problems you can work
on aspects of your situation that can improve your credit score, and in doing so you will
maximise your chances of getting your home loan approved.
Fix the problems
Don’t overdraw your cheque account.
Don’t go over the limit on your credit cards.
Pay off as much as possible off of your credit cards.
Make all of your repayments on time.
Pay all of your debts on time, every time.
Pay any defaults on your credit file & if possible wait for them to be removed.
Apply for a lower loan / LVR (Loan to Value Ration)
Leave no blanks on your loan application form
2. L o a n W i z e – W i z e U p t o y o u r B e s t F i n a n c i a l D e c i s i o n Page 2
Home Loans
Investment Loans
Business Loans
Commercial Property Loans
Asset Finance
Improve your score
Apply for a $500 credit card for the lender you will apply for a mortgage with, and ensure you
pay it on time.
Don’t apply for loans that you don’t need. You want to minimise the number of enquiries on
your credit file as large number of enquires results in a negative score.
Stay in your current address & job for as long as possible as stability is great for your score.
Open a savings account and save as much as you can.
Low % of limit on credit card used
If you have a low asset position for your age, ensure you tell the story why (i.e. just went
through a divorce)
When you apply for your mortgage
Apply with a lender that has a softer approach to credit scoring.
Always put the strongest applicant as the first applicant.
Include all of your assets in your application such as you cheque account, savings account,
furniture, car, superannuation & shares.
List all the cash in bank accounts separately on the loan application with their balances –
even if there is only a $10 balance. Always include the full bank account details.
Always enter superannuation and include the Super Company name & current balance.
Ensure you put “home duties” for stay at home mums / dads instead of unemployed
Any funds available in redraw facilities should be entered as savings in your Asset &
Liabilities statement.
Always list a home phone number (use mum & dad’s if you don’t have one)
Include contact details & phone number for your employer
Don’t borrow to your limit.
Assets should be higher than
Be careful with your loan purpose, some are not accepted.
In some cases it may be easier to approach a lender who does not use credit scoring to get a
loan.
Which lenders use credit scoring?
While the majority of Australian lenders use
credit scoring, there are still a few that do not.
Even if your circumstance has resulted in
having a bad credit history, we know which of
these lenders would be most likely to approve
your loan application. In other cases it is a
matter of applying with a lender that will score
your situation more favourably. For example
some lenders are more concerned about your
stability so will not accept people in a new job, whereas others will accept someone in a new
job but not somebody with defaults.
At Loan Wize, we understand that there is no ‘one size fits all’ lender, and that
everybody’s needs are as unique and as individual as they are. We listen to you and
tailor our recommended solutions to your individual circumstances.
So if you think you would like to know more about improving your credit score and
which lender may be right for you, call and discuss your situation with a Loan Wize
Professional Lending Specialist today!