A 財政上の 助言者's 最高の，を越す home 貸付金 secrets: 専門家 株 the five things you need to do to 安全な・保証する the BEST mortgage 取引，協定 every time

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A 財政上の 助言者 from Sydney has 明らかにする／漏らすd the five steps she and her husband took to find the perfect home 貸付金.

Canna Campbell?said for many people, a mortgage is a long-称する，呼ぶ／期間／用語 負債 that years to 支払う／賃金 off and costs them hundreds of thousands of dollars in 利益／興味.

But if you 適用する her five '切り開く／タクシー／不正アクセスs', you'll be able to 支払う／賃金 yours off much faster and 潜在的に save 'tens, if not thousands of dollars'.

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Sydney 財政上の 助言者 Canna Campbell (pictured) has 明らかにする／漏らすd the five things she and her husband did to find the perfect home 貸付金

Canna (pictured) said the first thing she and her husband did with their home 貸付金 was look for a '原則 and 利益／興味' 貸付金, rather than just the 利益／興味

1. Don't 選ぶ for an 利益／興味-only 貸付金

Canna said the first thing she and her husband did with their home 貸付金 was look for a '主要な／長／主犯 and 利益／興味' 貸付金.

'We 手配中の，お尋ね者 to make sure that the moment we took out our home 貸付金, the minute we were on 跡をつける with our 返済s,' she said in a ビデオ.

Canna said while it might be 平易な to be tempting to take out a home 貸付金 on 利益／興味-only 条件, doing so is a 'dangerous 罠（にかける）'.

'When the five-year の間のs t-only 称する，呼ぶ／期間／用語 満了する／死ぬs, the reality kicks in and you're five years older and five years closer to retiring,' Canna said.

If you are on an 利益／興味-only home 貸付金, she recommends you shop around and switch to a 主要な／長／主犯 and 利益／興味 home 貸付金 provider.

'We are in a 記録，記録的な／記録する low [利益／興味 率] 環境, so use this time in your favour,' she said.

2. Look for the real or comparison 率

The second thing you need to do when looking at home 貸付金s is find out what it will really cost you by 連合させるing the 利益／興味 率 with the costs and 料金s.?

'We knew that we needed to be careful around 支払う／賃金ing attention to the sexy advertised 率, because that's not the true cost of 利益／興味,' Canna said.

Instead, the true cost of 利益／興味 is the comparison 率, which takes into account the true 衝撃 of all the costs and 料金s in the home 貸付金 一括.

'When you're shopping around for a new home 貸付金, make sure you compare the comparison 率 across the different home 貸付金s,' she said.

You want to make sure you go with the lowest comparison 率 possible.?

Canna (pictured at work) said you should choose a brand that 促進するs and rewards your 忠義

3. Find a brand that 促進するs 忠義

Canna believes 貸付金 providers that reward long-time 顧客s should be at the 最高の，を越す of your 名簿（に載せる）／表（にあげる）.

'It's my pet peeve to see 貸付金 providers 申し込む／申し出ing a 割引 率 to new 顧客s, while 存在するing loyal 顧客s have to 耐える the brunt of the higher 利益／興味 率,' Canna said.?

She said she just doesn't think the practice is fair or 権利.

Canna said she is a fan of Athena Homa 貸付金s, which has a level playing ground for new and 存在するing 顧客s.

'If you're thinking of 存在 誘惑するd in by a new 率, remember that will 満了する／死ぬ and you'll 結局最後にはーなる 支払う／賃金ing more,' Canna said.

4. Get a 柔軟な home 貸付金

Canna said 柔軟性 is 重要な, as you are 運命にあるd to go through countless changes in your life.

'It is so important that you have a home 貸付金 that is 柔軟な,' Canna said.

'You need one that will let you make extra 支払い（額）s when you want, whether that's an 増加する of a 正規の／正選手 支払い（額） or whether that is 無作為の 広告 hoc 返済s.'

Canna (pictured) believes 柔軟性 is a must-have in any good home 貸付金

5. Get a 貸付金 provider that passes on 率 削減（する）s

Finally, Canna said you need to find a 貸付金 provider that 株 the love with you when they get it.

'We have had 非常に／多数の 利益／興味 率 削減（する）s from the RBA over the past couple of years, so you want to make sure your 貸付金 provider is 株ing the love and passing on those 削減（する）s,' Canna said.

If you have a home 貸付金 provider already, Canna recommends you stop and ask yourself how many 利益／興味 率 削減（する）s has your 貸付金 provider passed on to you in the past two years and how quickly they did it.?

If the answer is not many, it could be time to change things up.?