A home equity loan from RBFCU leverages the value you’ve built through years of mortgage payments, and allows you to use your equity as a borrowing tool.

A home equity loan is also known as a second mortgage.
interest rate. What this means is you’re using your house as collateral for your loan. It can be very risky – here are the things you should know.

Compare Mortgage Refinance Lenders:
https://infoforinvestors.com/home-buying/compare-mortgages/?utm_source=youtube

Compare Personal Loan Lenders:
https://infoforinvestors.com/loans/personal-loans/?utm_source=youtube

Read our full article:
https://infoforinvestors.com/credit-cards/guides-credit-cards/credit-card-debt-consolidation/?utm_source=youtube

Dental hygienist Liz and truck driver Will are engaged in a destructive spending game. Control freak Liz handles all the finances while keeping Will on a tight leash, yet still spends a lavish amount on clothes for herself, their baby and their dog. In retaliation, Will takes out costly cash advances. They’ve refinanced their home several times to hide debt in their mortgage to the point they now owe more than the house is worth. Getting this couple back on track means reigning in the spending, finding ways to re-build equity in their home and getting rid of the resentment between them. Gail finds way to get them fighting their debt rather than each other. –
–
Watch more from Weddings and Beyond – https://youtube.com/c/WeddingsAndBeyondTV/videos

Explore our family of YouTube channels with Free movies, tv series and documentaries.
? TOP BOX is where you’ll find an eclectic mix of mind-bending documentaries, cult classic films and investigative television documentaries. https://youtube.com/topboxtv
?? I Love Docs for documentaries: https://youtube.com/ILOVEDOCS
?? North of Main for Independent movies: https://youtube.com/NORTHOFMAIN

#weddings #gettingmarried #realitytv

Apply for a new, second or third bond through Loans on Homes Pty. Ltd. and use the money to pay off all your smaller debt with the high interest rates and installments.

Improve your cash flow with between R 5,000 and R 7,000 per month! Get Pre-Approved Now! Visit our website at: http://www.loansonhomes.co.za for more info.

FAM! I’m joined by Ashley Brown of Ashley Empowers and her husband Carrington Brown! They paid off more than $126,000 of debt in three years, and they’re sharing their debt-free journey, their thoughts on marriage, relationships and money and legacy building.

*Want to make an EXTRA $1,000 in a week. Click here: https://bit.ly/3iwRHLl
**USE PROMO CODE: “TheTable” for a MAJOR discount on the “VIP Investor Program”

Connect With The Browns:
The Dating Algorithm FREE Course: https://bit.ly/3B6zHO3
Ashley IG: https://bit.ly/3puR74V
Carrington IG: https://bit.ly/3Ed0lqO

*JOIN MY PATREON FAMILY: https://bit.ly/2XZeh7X

Do more with your savings and sign up with PrizePool to get an account that treats you the way you deserve to be treated: https://bit.ly/3kmDkKU

*PAYOFF YOUR STUDENT LOANS FAST: https://amzn.to/3B5k4Hj
*GET YOUR KIDS INTO COLLEGE WITH NO DEBT: https://amzn.to/3mpKP50

Get a money plan for real life! Start your free trial of Ramsey+: https://bit.ly/2W0Erq0

Connect with Me!
Website: http://bit.ly/2LQYSPN
Instagram: http://bit.ly/313Mv6r
Facebook: http://bit.ly/313Mwr1

The Gear I’m Using:
Main Camera: https://amzn.to/392pZAV
Main Camera Lens: https://amzn.to/3C4yeJ0
Main Microphone: https://amzn.to/3nlbYGQ
Guest Microphone: https://amzn.to/3C0bkmc
Teleprompter: https://amzn.to/3E8vEDP
Tripod: https://amzn.to/3twmpZj
Main Light: https://amzn.to/2YHsnuN
Wall Lights: https://amzn.to/3hnwgvz
Video Switcher: https://amzn.to/3A6SLfv
Camera Slider: https://amzn.to/3hnO9KI
Audio Mixer: https://amzn.to/3hppd5p

Hey, fam! I’m Anthony. I’m fired up about meeting you where you are in a real, relevant, and relatable way. Here on this YouTube channel, we’ll be having honest conversations about finding our authentic selves by living life based on spiritual, financial, and mental freedom. At the age of 19—homeless and deep in debt—I turned my life around by becoming debt-free, and I decided to spend the rest of my life helping people avoid the same money mistakes I made. Today, by the grace of God, that’s what I’m doing every day with AO Enterprise. You can rock with me on Instagram @AnthonyONeal or online at anthonyoneal.com.

Nile Niami’s ‘The One’ is back in headlines due to the $165 million dollar debt being in default. We’ve been talking about The Most Expensive Home in America on this channel for a while. If you haven’t seen my tour of this amazing property, check it out!

LINK TO PART 1 OF MY TOUR VIDEO
-https://youtu.be/B-isl-_4p68

LINK TO PART 2 OF MY TOUR VIDEO
-https://youtu.be/Fa6ljXOiU8s

BECOME A CHANNEL MEMBER (FOR EXCLUSIVE CONTENT & MORE)
-https://www.youtube.com/channel/UCgKz_JXJKKko9kXDrm6IODQ/join

BOOK A PRIVATE ZOOM CALL TO TALK REAL ESTATE OR YOUTUBE!
-https://scottedward.youcanbook.me

CONTACT ME
-scottedwardllc@gmail.com

MY FAVORITE BOOKS
– rich dad poor dad – https://amzn.to/3w4HZ7X
– think and grow rich – https://amzn.to/31sTtUE
– 10x rule – https://amzn.to/2P78wRC
– I will teach you to be rich – https://amzn.to/3ftX50K

MY FILMING EQUIPMENT
– camera – https://amzn.to/3u2JTnL
– primary light – https://amzn.to/3u6BcZN
– rgb light – https://amzn.to/2P78KIs
– camera mic – https://amzn.to/2PwwNAd
– iPhone mic – https://amzn.to/3dige36
– 60″ tripod – https://amzn.to/3fnPHEi

OTHER STUFF I LOVE
– field notes – https://amzn.to/3w6osUH
– space pen – https://amzn.to/3tZQqQ6
– multi tool – https://amzn.to/3fjExjN
– hydro flask – https://amzn.to/2P5yvJ7

The One is known by a lot of people now as the biggest and most expensive home in the urban world. It was once rumored to be priced at $500 million dollars, but has had some recent financial trouble due to the developer Nile Niami not staying current on his loans, and dragging out the build process. CNBC did this article titled “Most expensive home in America defaults on $165 million in debt, heads for sale” and I had to react to the article, because we have been talking about The One here on my channel for months now. Let me know what you think about the latest developments around Nile Niami’s $500 million dollar home. And don’t forget to check out the tour that I did of The One here on my YouTube channel! (links above)

I hope that you help this video to help helpful and if you have additional questions please leave them in the comments below! I look forward to sharing more with you guys about my real estate journey. I have flipped houses, done spec building, been into wholesaling, commercial real estate, and have a pretty well rounded finance background as well.

See you next video!

-Scott

#theone #nileniami #500milliondollarhome

Disclaimer: This channel, and any communication shared during these videos, should not be taken as financial or legal advice. Viewers should retain their own legal counsel or financial expert(s) before making their own decisions. If you need legal advice, please contact an attorney directly. If you need financial advice, please contact a Certified Public Accountant or a Certified Financial Planner or other licensed professional. I (Scott Edward) am not a CPA, attorney, insurance, or financial advisor and the information in these videos shall not be construed as tax, legal, insurance, construction, engineering, health and safety, or financial advice. And one more thing.. Links included in this description might be affiliate links. If you purchase a product or service with the links that I provide I may receive a small commission. There is no additional charge to you! Thank you for supporting my channel.

If you have more than one loan, it may sound like a good idea to roll them into one consolidated loan but it may end up costing you much more over time! In this video we break down debt consolidation on Home Loans, and what it might cost over time.

For more info https://www.huntergalloway.com.au/

For home loan enquiries
jayden.vecchio@huntergalloway.com.au

Find Jayden here:
https://www.huntergalloway.com.au/free-assessment/
https://www.facebook.com/MortgageBrokerBrisbane/
https://www.huntergalloway.com.au/author/jaydenvecchio/
https://au.linkedin.com/in/jaydenvecchio

T: 1300 088 065
E: hello@huntergalloway.com.au

Mortgage Broker Brisbane – Hunter Galloway
Head Office: 3 Latrobe Tce Paddington QLD 4064
PO Box 841, Paddington QLD 4064
CBD Office: Level 20, 300 Queen Street Brisbane, QLD 4000

Hunter Galloway are an Award Winning Mortgage Broker based in Brisbane. We help clients from our local area, Australia, and all over the world. We believe buying a home should be stress-free and uncomplicated, and we will work for you to make your dreams become reality.

Next steps and settling your first home

Our team here at Hunter Galloway is here to help you buy a home in Brisbane. Nathan & Joshua Vecchio are Senior Mortgage brokers who specialise in making your home journey easy.

Unlike other mortgage brokers who are just one person operators, we have an entire team of experts to help make your home loan journey as simple as possible.

If you want to get started, please get in touch and we can book a time that suits you – either a phone call information session or a face to face meeting (which doesn’t cost anything for you).

Contact Us

Debt consolidation (or refinancing) can make it easier to manage your repayments. But it may cost you more if the interest rate or fees (or both) are higher than before. You could also get deeper into debt if you get more credit, as it may tempt you to spend more.

Here are some things to consider before deciding to consolidate or refinance.

Avoid companies that make unrealistic promises
Some companies advertise that they can get you out of debt no matter how much you owe. This is unrealistic.

Don’t trust a company that:

is not licensed
asks you to sign blank documents
refuses to discuss repayments
rushes the transaction
won’t put all loan costs and the interest rate in writing before you sign
arranges a business loan when all you need is a basic consumer loan

Make sure you will be paying less
Compare the interest rate for the new loan — as well as the fees and other costs — against your current loans. Make sure you can afford the new repayments.

If the new loan will be more expensive than your current loans, it may not be worth it.

Use our mortgage switching calculator

Compare the interest and fees on a new loan with your current loans.

Remember to check for other costs, such as:

penalties for paying off your original loans early
application fees, legal fees, valuation fees, and stamp duty. Some lenders charge these fees if the new loan is secured

against your home or other assets
Beware of switching to a loan with a longer term. The interest rate may be lower, but you could pay more in interest and fees in the long run.

Protect your home or other assets
To get a lower interest rate, you might be considering turning your unsecured debts

(such as credit cards or personal loans) into a single secured debt

. For a secured debt, you put up an asset (such as your home or car) as security.

This means that if you can’t pay off the new loan, the home or car that you put up as security may be at risk. The lender can sell it to get back the money you borrowed.

Consider all your other options before using your home or other assets as security.

Consider your other options first
Before you pay a company to help you consolidate or refinance your debts:

Talk to your mortgage provider
If you’re struggling to pay your mortgage, talk to your mortgage provider (lender) as soon as possible.

All lenders have programs to help you in tough times. Ask to speak to their hardship team about a hardship variation

. They may be able to change your loan terms, or reduce or pause your repayments for a while.

Consider switching home loans
A different home loan could save you money in interest and fees. But make sure it really is a better deal. See switching home loans.

Talk to your credit providers
If you have credit card debt or other loans, ask your credit provider if they can change your repayments or extend your loan. The National Debt Helpline website has information about how to negotiate payment terms.

Consider a credit card balance transfer
A balance transfer may be a good way to get on top of your debts. But it can also create more problems. See credit card balance transfers to help you choose wisely.

Debt consolidation home loans: how Aussies are paying less interest & saving // If you’re juggling multiple debts, one way to simplify your finances is to bring all your loans together to make one monthly repayment. Consolidating debt into your home loan can not only make managing your finances easier, if you structure your repayments in the right way, can also help you save money in the long run.

0:45 What are debt consolidation home loans?
1:20 What are the benefits of consolidating debt?
2:07 What should you watch out for?
3:17 How to get approved for a debt consolidation loan
3:35 Can you consolidate debt if you have bad credit?

Choose a time to speak to an expert to discuss your situation and help find a consolidation option that will fit your specific needs: https://www.lendi.com.au/lp/book-appointment/

Join our Facebook group ‘Home Loan Hacks Australia’ to ask any questions about home loans:
https://www.facebook.com/groups/home.loan.hacks.au/

For more information on important home loan topics, check out these videos below:

Impact of credit scores on home loans :
https://www.youtube.com/watch?v=1Lo5Vo6b2cs
How to refinance your home loan:
https://www.youtube.com/watch?v=Vvuz9RJdgtk

Say hi on social:
Instagram: https://www.instagram.com/lendi_au/
Facebook: https://www.facebook.com/lendiau/
Twitter: https://twitter.com/lendiau

Watch this video again: https://youtu.be/h3bJYjRpTM4

https://KCLau.com/refinancing-aia

I spoke to Daniel who specialises in helping his clients to refinance their home loans. What are the main reasons people consider when refinancing to cash out the equity? The most common cause —

DEBT CONSOLIDATION… instead of paying 18% for credit cards and many other debts, the home loan offer the lowest interest rate of all! You can lower your commitment while enjoying lower interest rate.

Author M. Kaye Hash spent several years getting into debt and many more learning how to get out, and stay out, of debt. She has learned how to live a fulfilling life; balancing financial stability with happiness and fun. Her successful website by the same name has allowed her to spread her love of frugal living to others. This book allows her to share even more of her life and the many things she has learned so that others can live a life free of financial worry. The Frugal Home gives tips and advice on saving money and getting out of debt. Learn how to save money in many areas such as grocery shopping, entertainment, holidays, moving, decorating, and more!