The Odds Of Finding The Best Home Loan in 2018

Home Loan Broker
Best Home Loan

The Melbourne Cup is not only known as the race that stops a nation, but also the most difficult race to pick a winner given the field comprises the best of the best. You can however improve your odds when picking the best home loan!

The odds

Just because a horse has the shortest odds on the day does not guarantee it will ‘WIN’. Similarly a home loan with the lowest interest rate does not mean it is going to be the cheapest or best home loan for you.

No two horses are the same

It’s difficult to pick the winning horse as there are many factors contributing to the likelihood of a horse winning: track conditions, weather, horse size, handicap weight, jockey experience, barrier draw and probably even a little bit of luck.

Home loans are similar to horses in that there are many varying attributes:
• interest rates
• introduction rates
• application fees
• valuation fees
• transaction fees
• monthly account fees
• no monthly fees, and
the list goes on, making it confusing to select the winner.

Choosing a home loan does not have to be a gamble – like betting on a horse.

Improving the odds of getting the best home loan

While the best way to improve your odds for picking the winning horse may be to obtain a trainer’s tip or rumour, comparing mortgages is a little easier – especially with our help!

While a low interest rate might give the appearance of being a winner, it does not necessarily factor in all the additional costs associated with the loan.

One way of determining the TRUE cost of a loan is checking the comparison rate. We have access to comparison tools to quickly and easily review rates and products across different lenders.

Speak to us and we will do the legwork for you!

Comparing the odds?

While the comparison rate can be used as a guide it is also very important to consider the features of each loan. We are familiar with the different products and can make sure that we are comparing similar products with the features you actually need and want.

It is not all about the odds

The cheapest home loan is not necessarily the best home loan for you – one of the key factors in home loan selection is matching the best home loan to your goals and objectives – both short and long term.

There are many other considerations other than the financial cost that need to be explored. What are your future financial goals? What features might you need to best support them such as access to a redraw facility or offset account or bundling with other financial products?

Picking a winner

While picking a winning home loan is not as difficult as picking the winning horse, consulting with a lending specialist will definitely improve your odds.

We present you with a range of options, explain the different products and then YOU make the final decision. Even as experts in this industry we can spend up to 10 hours or more comparing finance for you and working out the correct structure for both now and your future requirements – and we know what we’re doing.

Call the office today to find out more about the field of the best home loans currently competing to win your business.

What Are The Pros and Cons of Solar Energy

Solar Energy
Solar Energy Advantages

Unlike traditional energy, solar energy is clean, limitless, and cost-effective. Many prospective users are aware of some pros and cons of solar energy, but nothing will prepare you for installing solar like considering every angle and how each one specifically applies to your home and family. Here are a few of the benefits and issues you will encounter with solar.

Make sure to head over to Modernize for more information and ideas on implementing solar power in your home.

Pros and Cons of Solar Energy


It’s Reliable and Abundant

Free Energy
The earth receives thousands of times more solar radiation than what we actually need to fulfil all of our energy needs.

The sun rises and sets every day without fail, which means that for as long as we are around, we can depend on it to provide that energy.

No one can stake a claim to the sun and start charging you to convert heat and light to energy that you can use in your home. Basically, it’s here to stay–and the technology is only getting more sophisticated and more affordable.

It Saves You Money

After you’ve made the initial investment and installed your DOW POWERHOUSE Solar Shingles, your solar module will start paying for itself. By the time you get your next monthly utility bill, you will see the savings reflected.

It’s a good feeling to actually witness your solar energy system saving you money within just weeks of making such a big life change. The DOW POWERHOUSE systems are warrantied for 20 years. After you pay yours off in savings and incentives, you will experience purely the rewards of renewable, cost-effective, low-maintenance energy.

It’s Renewable and Environmentally Friendly

For many solar energy users, the savings aren’t even the most attractive quality. By using a solar system, you’re forsaking harmful energy and fossil fuel use for clean and renewable energy that will help protect the earth and its resources.

Solar is not merely an investment in affordable energy; it’s an investment in the future. The solar sector has even created jobs and economic growth.

There Are State and Government Incentives

pros and cons of solar energy

If the savings aren’t enough of a draw, calculate the tax credits and incentives you will receive for installing a solar energy system in your home.

The government gives a 30 percent tax credit for systems that fall under the guidelines, and your state or local government and even your utility company may offer exciting perks as well. This solar energy advantage alone is worth seriously considering it.


The Availability Varies

Certain areas are less ideal for solar than others. For example, homes in regions that have few hours of sunlight in certain seasons—or even just homes that are too shaded or don’t have enough sun-facing surface—are not ideal.

Keep in mind the climate in your region and the positioning and setup of your house before you commit to the idea of getting a solar system installed. You may have to find a workaround, like constructing a secondary structure that is more capable of collecting radiant heat.

However, don’t be discouraged if you live in a cloudy or cool region; access to energy from sunlight may not be as limited as you think.

Solar Energy Is Expensive to Store

If your goal is to store solar energy, you’re going to need a battery bank. Unfortunately, the technology and maintenance involved is costly. Thankfully, you have the option of feeding your excess energy back into the grid. The absence of a battery bank for your system doesn’t mean that you’re wasting the energy you’ve collected.

Now that you are aware of the pros and cons of solar energy, you can make an informed choice on whether your home should be utilizing this resource. (Frankston Solar Panels)

Frankston Welding and Metal Fabrications

Frankston Welding and Metal Fabrications

Are you looking to get any welding or metal works done?

Frankston Welding and Metal Fabrications provides welding and metal fabrication services and have built up an impressive list of satisfied clients.

We do both residential and commercial projects.

Whether you need welding done for your home or office window bars, stairs, railings for decks, walkways, balconies or any custom designs we can be of service.
Pipe Grinding

On Site Work with Frankston Welding and Metal Fabrications

We do both in plant and on-site welding and metal fabrication.

Frankston Welding and Metal Fabrications are fully insured and take utmost care for safety and protection and all our work is guaranteed.

You can call us and discuss your project requirements

We will listen to you and understand your requirements then suggest from our experience working with different metals. We can answer all your questions about welding and metal fabrication

You can see our previous work to decide what designs you prefer.

Give Frankston Welding and Metal Fabrications a call today for a no obligation free quote.

We Provide:

Steel Fabrication Frankston General Fabrication

Structural Steel

Mezzanine Floors

Site Erection & Welding

Steel Staircases

Architectural Steel