2    Always know as much as possible before you interview the Mortgage Home Loan Originator, as they can be real busy, and want to work with well informed and qualified buyers.
3     Discover that a ” professional deal ” home loan pack, can have a discount of 8o Points below published deals.
4     Consider the ‘Introductory rate” deals with discounts of up to 80 points, always check the reversionary interest  rate.

5     Always include all income streams, like welfare, family payments, overtime, rents, Dividends, Part time work : in order to present the strongest possible deal.

6    There are today, special deals for Union members, this can be an 80 point discount.

7    Consider up to 100 point discount for shareholders in some of the major banks and insurance companies.
8     My strategy is:If one buys the second hand, home and does some renovation, one might only need a smaller home loan.

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