Tag Archives: Refinance

Ask the Expert – Personal Finance Answers by Dhiren Gupta

Author: 4C Mortgage Consultancy | Category: Blogs | Date: May 21, 2017

I am a single parent and don’t have too much financial expertise. So far I have saved all my savings as FD in a well-known bank in India. Of course the returns on FD are less/slow but at least as per my basic knowledge, it’s safe. Can you guide me how I can invest money Read More...

Healthy Financial Decision

Author: 4C Mortgage Consultancy | Category: Blogs | Date: February 2, 2017

  This year, let’s have the resolution to have a secure grip on our finances. And let us adopt one new money habit today and drop the one that’s been holding us back. To protect the financial future, one needs to identify bad financial habits and understand the ways to avoid those inaccuracies on a Read More...

Applying for the Mortgage: Understand loan-to-value LTV

Author: 4C Mortgage Consultancy | Category: Home Loan Broker | Date: November 12, 2016

    The loan-to-value (LTV) is basically the percentage of the loan amount to the appraised value of the property.   The LTV is an offering ratio that financial institutions study before approving a mortgage and is calculated by dividing the sum of your loan into the total value of your property. For example, if Read More...

Refinance: What to Consider

Author: 4C Mortgage Consultancy | Category: Blogs | Date: September 16, 2016

Today, people with existing mortgage exposure, look at re-mortgage as a great opportunity to reduce the mortgage cost, to unlock the property equity or to consolidate the debts. Well, the question comes, is it a smart move for every homeowner, and how refinance or re-mortgage can contribute to lower debt cost?   Indeed, with the Read More...

Benefits of hiring a Mortgage Consultant

Author: 4C Mortgage Consultancy | Category: Blogs | Date: January 19, 2016

  Buying a home is likely to be one of the enormous purchases and when we support that with mortgage finance, it’s always judicious to enlist the service of an independent mortgage consultant or a mortgage broker, who can lead you to make an informed financial decision in life. Mortgage Consultant helps to find the Read More...

Early Repayment of Mortgage

Author: 4C Mortgage Consultancy | Category: Blogs | Date: December 27, 2015

  Regardless of what you owe, zeroing out the housing costs is a smart move. Sales prices have plummeted as much as 30 to 40 per cent since the year 2011-2012 and current interest rates are at a remarkable low at around 2.99 per cent fixed for 2 years.   As a result, today many Read More...

Re-Financing Mortgage Works to Substantial Saving

Author: 4C Mortgage Consultancy | Category: Home Loans | Date: May 3, 2015

  Did interest rates drop, or Want to modify your mortgage length?   Well, your sweet home is the most valuable financial asset, so be very wary and do your proper homework. Considering a mortgage broker for a home loan can be an added advantage to your decision. Since they have copiousness of lenders to Read More...

Win Your Best Mortgage Interest Rate

Author: 4C Mortgage Consultancy | Category: Blogs | Date: April 26, 2015

When you buying or refinancing a house, there are two important factors one would like to understand from a mortgage lender after submitting the pre appraisal income credentials. First how much one can qualify for and second about an interest rate spread for the loan tenure. To get a hold of cheaper monthly payment you Read More...