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Otto Dargan - EzineArticles.com Expert Author
Otto is the director of Mortgage Broking firm Dargan Financial based in Sydney, Australia.
Dargan Financial and its associated companies deal with over fourty lenders including the major banks. This diversity of funding gives the company several wide areas of expertise within the Australian finance & mortgage broking industry.
His areas of expertise include financing transportable home loans, manufactured home loans, removal home loans, non-resident loans, low doc loans, and many other difficult or complex ... [More]
[View Otto Dargan's Extended Author Bio]
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- Guarantor Home Loans - How to Borrow 100 Percent With the Support of Your Parents
[Finance:Loans] Is it still possible to borrow 100% of the purchase price in todays post GFC world? Yes it is! Find out the secrets to getting your mortgage approved if your parents or another relative can put up their home as additional security.
- SMSF Loans - How to Borrow in a Superannuation Trust
[Finance:Loans] Applying for a loan in a trust can be a nightmare for the uninitiated. If you have set up your own super fund then read on to find out how to get approval for your mortgage.
- Australian Banks Avoided the Crisis - How Did They Do It?
[Finance:Loans] While the world sinks further into economic turmoil Australia has remained relatively unscathed. This is the result of Australia's strong banking system and clever government policies. Read on to find out why they were spared...
- Lenders Mortgage Insurance Secrets Revealed
[Real-Estate:Mortgage-Refinance] LMI is one of the largest fees you will pay when buying a home. Yet most home buyers don't know how it is calculated or how to get the lowest possible premium! Read on to find out inside secrets from the mortgage industry that can help you to save thousands!
- Low Doc Loans - Are They Gone Forever?
[Finance:Home-Equity-Loans] As the sub prime crisis deepens many lenders are withdrawing previously popular loan products. No deposit finance was one of the first casualties, however how are low doc loans faring in this tough environment? Find out what loans are still available and how the rules of the game have changed!
- Fixed Rate Home Loans - What Are the Costs of Paying Them Off Early?
[Real-Estate:Mortgage-Refinance] We all love the security of knowing what our home loan repayments will be. The security of a fixed rate loan comes at the price of flexibility. In most cases this is in the form of higher exit fees if you were to pay the loan off before the agreed term. So how much does it cost and how do you know if it is worth breaking your fixed rate loan?
- Subprime Crisis - The Solution to Global Warming?
[Finance:Credit] Have we gone mad? Maybe. But that aside the subprime crisis may just be the domino that we've been asking for. How in the &*$% did we come up with the conclusion that the subprime crisis will be a GOOD thing?
- Real Estate Investment in Australia - Rental Market Update
[Real-Estate:Investing] While owning the home you live in is the iconic Australian dream, there are a growing number of renters that need to be serviced by the housing market. Statistics from the Australian Bureau of Statistics indicate that a significant portion of renters eventually become home owners. With this in mind, there are also a growing number of property investors tapping into renters that intend to rent for the long term.
- Removal Home Finance - How to Relocate a House to a New Site
[Home-Improvement:New-Construction] Are you moving a house to a new site? Learn how to finance your mammoth move by submitting your loan to the right lender using the help of expert mortgage brokers.
- Home Loan Videos? The New Way to Learn About Finance
[Finance:Loans] Learn about your finance situation and how to get approved for your loan by watching videos from the home loan experts. Now available on YouTube, these videos will explain how to get approved, no matter your personal situation.
- Fixed Rate Or Variable? Which is Better?
[Real-Estate:Mortgage-Refinance] Should you lock in your rate for 5 years? 10 years? 30 years? This is a decision that you shouldn't take lightly! If you fix your rate you are committed to that lender and may even miss out on rate reductions. Find out how you can protect your home, save money and make the right decision for your situation...
- Help, I Need to Borrow 90%, Can I Get a Low Doc?
[Finance:Home-Equity-Loans] Most lenders will offer you only up to 90% LVR. However, at times 80% of the property value is simply not enough. How do you buy the property in such cases? Read on to find more.
- How to Get 30% Off the Construction of Your New Home?
[Home-Improvement:New-Construction] Building your own home can remain only a dream because of the sky rocketing construction costs that take your home farther away from you like a mirage. You can, however, build your dream home for less by using new innovative construction methods. Read on to find out how!
- The Truth About Fortnightly Repayments!
[Finance:Loans] Has a bank manager ever suggest to you that fortnightly repayment is the way to go to reduce interest repayments on your home loan?? Read on to find out the TRUTH!
- No Doc Or Low Doc - What is the Difference?
[Finance:Loans] Both no doc loans and low doc loans involve simple procedures. What sets them apart is the rate of interest and the process involved. Loans have always involved lengthy procedures. But that is not the case with low doc loans and no doc loans, which hardly involve much paperwork, as indicated by their names.
- Transportable Homes - The Solution to Skyrocketing Construction Costs
[Home-Improvement:New-Construction] A transportable home is a much easier way of acquiring your dream home than the one built by the contractor-builders on the site. Like every other factory manufactured product, a transportable home is much more cost effective, stylish and durable.
- Sydney Mortgage Brokers, Who Are the Experts?
[Real-Estate:Mortgage-Refinance] Every man and his dog are mortgage brokers these days. How do you find the financial guru you have been looking for? Read on to find out where they are and how to tell the good apart from the bad and the ugly!
- Is Your Job Ruining Your Chances of Getting a Home Loan?
[Real-Estate:Mortgage-Refinance] We all know banks LOVE 9 to 5 employees. So what about the rest of us? Don't take No for an answer! Find out the facts and how you can get your loan approved without having the change your career...
- The Bank Doesn't Like The Way You're Employed? Find Out How To Get Approved!
[Finance:Loans] Australian banks are notoriously selective when approving loans for anyone with "outside of the box" employment. This is turning out to be a big problem as more people choose to be permanent casual, temp workers or employed on a contract. You can't change jobs just to get your loan approved! So how do you get an approval?
- Essential Tips for Low Doc Loans
[Finance:Loans] How do you know which low doc loan is for you? With hundred of lenders and thousands of loans to choose from it's easy to get confused. Cut through the jargon, confusing websites and boring bank mangers by reading our simple guide to finding the right loan!
- The Secrets Of No Financial Loans
[Real-Estate:Mortgage-Refinance] Applying for a no doc loan? Do you know what to look for in your mortgage and which lenders are best? Find out how to choose a no doc loan and what you should do to make sure you get the best interest rate possible!
- Get A Free Copy Of Your Credit File
[Finance:Credit] Australian borrowers are often in the dark as to who has their credit file, what information is there and how this affects their loan applications. These questions and more have been answered by an industry insider. Best of all you can find out how to get a copy of your credit file, without paying a cent!
- Manufactured Homes Tips And Tricks For Australia
[Home-Improvement:New-Construction] So you want to build a new home but don't want the price tag? Have you considered going factory built? The Australian market is now buzzing with interest in manufactured homes. Read on to find out what all the fuss is about and where you can find more info!
- Removal Home Loans Can Be Approved!
[Finance:Loans] Buying a removal home is a fantastic alternative to building a home from scratch. Why build a new house when you can recycle an older home with character for a fraction of the price? The banks don't agree. Read on to find out why the banks say no and how you can finance your dream home!
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