Portfolio Category: Residential Loans

Home Loans (General Introduction)

In this video the iChoice principal, Jason Khoury, talks about the steps we make in determining an appropriate home loan product. We use an ABC model: A- Approve, B - Best structure, C - Cost Comparison. We look at the setup costs (how much does it cost you to get into the loan?) and ongoing…
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Family Pledge & Family Guarantee Home Loans

In this short 3-minute video, iChoice Principle Jason Khoury talks about the Family Pledge (or Family Guarantee) product. Jason talks about how LMI (Lender Mortgage Insurance) is required when borrowing more than 80% of the value of a property. To navigate the process without the full 80%, and without having to pay LMI, Jason talks…
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The Three C’s of Home Loans

In this video, iChoice principal Jason looks at the ideal home loan structure. One of the first issues we address is what bank will approve the kind of loan that you need. Jason talks about the three C's of lending. Collateral. Capacity. Character. First is collateral. What is your borrowing capacity? When considering collateral we…
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Refinancing Your Home Loan

In this video, iChoice principal Jason talks about refinancing your home loan. Why do people refinance? To get the structure of their borrowing correct to make it more efficient. Increase the borrowing limit and unlocking residential equity (remember you only pay for borrowed money that you actually use and isn't in an offset account). The…
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Home Loans and Tax Liability

In this 4-minute video iChoice principal Jason talks about lending and tax liability. It's essential viewing, particularly if you have an investment property... and it illustrates the need to have your mortgage structured efficiently for maximum savings. Jason talks about cross-collateralisation to ensure that you maximise the tax benefits from an investment. What determines the…
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Credit Cards and Home Loans

In this short video the iChoice Principal Jason Khoury shares a few strategies on how to maximise a home loan package and credit card to ensure significant savings, and ensure maximum benefits are obtained. Jason will talk about how day-to-day purchases on your credit card (with a 55 day interest free period) can be used…
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