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BEST MORTGAGES OR HOME LOANS

Confused, and want the straight truth?   There are around 40 major banks or other

lenders with over 200 hundred loan product options on the Australian market.

Can you calculate which is the best loan?  YES, you can, arithmetically and

precisely.  It is not that confusing if you're shown how.

The best mortgage or home loan for you (and not the bank or lender) is the

loan which offers a better combined calculation of interest rate and the

fees / charges and other fringe benefits.  Verify this statement with a qualified

and "independent" accountant, actuary or mathematician.

Simple, and don't get confused with all the fancy loan names and "selling"

made by a bank manager or specific lender consultant.

We do not generally recommend:

• Line of Credit Loans, also known by other names.
  

• Setoff or Offset Loans
  

• Standard Variable Loans
  

These loans are usually at the higher interest rate range and amazingly,

these loans even have higher account fees and charges.  The effect of what

they purport to do is negligible and simply not beneficial enough to come

close to the benefits of those loans offered at the lowest rate/cost possible.

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