Daniel Kertcher is the CEO and Founder of Platinum Pursuits. He is well known as an expert within Australian wealth and stock trading education. Born in 1972 Toronto, Canada, he moved to Australia when he was 16. He completed his degree, Bachelor of Science at University of Queensland with a major in Neurophysiology (Brain Research).In 1993, he joined the real estate industry and was soon promoted to off-shore manager for the company. In 1995 he...more
The practice of a multi currency mortgage involves using the fluctuations in currency exchange rates to obtain the best interest rates on mortgage repayments. Switching a mortgage into a different currency when beneficial changes in foreign exchange occur, can theoretically reduce the amount of the loan, along with the amount of interest due to be paid on the loan.Just as mortgages that are obtained in foreign countries for purchasing foreign...more
Obtaining financing to take advantage of one of the best moments in recent history for acquiring real estate has become one of the biggest hurdles for potential buyers to overcome. While only two years ago lending practices were at their most lenient, the sudden turnaround has been dramatic. More so than ever before have personal credit ratings been such a prominent deciding factor of banks and lending societies. Screening potential clients to avoid future problems with repayments has lead to one of the most difficult moments to obtain financing. While it is arguable that improved access to financing will assist in balancing the excessive falls in real estate purchases, it is expected to be only a matter of time before restrictions on lending practices ease. Many buyers are keen to access the current market to take advantage of the exceptional property prices available, yet are held back due to limited access to lending and long term employment security.Prior to applying for a mortgage, increasing numbers of buyers are arranging pre-qualification. This often involves visiting a variety of financial providers to seek the most suitable terms and conditions, then assessing the amount...more
Certification in Mortgage advice and practice is vital for a person to practice as a recognized mortgage advisor. If you decide to shift your career to or start your career in Mortgage field then CeMAP is your launch pad. It is like obtaining a driving license in order to drive in public. There are a number of courses that are offered to suit the...more
Right now is a great time for struggling homeowners to refinance their mortgage and use President Obamas $75 billion “Making Home Affordable” plan for themselves. Getting approved for a refinance with Obamas stimulus is easy, and homeowners who use it will save a lot of money, prevent foreclosure, or both. Here is what homeowners...more
Millions of homeowners are now eligible to refinance a mortgage using President Obamas stimulus plan. This stimulus provides over $75 billion in funding to assist struggling homeowners and offer them new mortgage refinancing options that will lower their payments, and prevent their home from being lost. Here is what homeowners need to know about how this stimulus plan works and can help them. Mortgage lenders, banks, entire neighborhoods, and many individual homeowners are feeling the wrath of a bad economy and worse housing market. Mortgage defaults and foreclosures are at all time highs which creates even more problems. However, President Obamas “Making Home Affordable” stimulus plan is designed to help. This program is designed to help homeowners who are struggling most. Through this program nearly any homeowner can find financial relief through new mortgage refinancing options. These refinance options will lower a homeowners payments, save them money, or prevent their home from being lost. The stimulus plan refinance options make sure that a homeowner will be able to afford their new monthly payment, and will not be in this same situation again in the...more
If your past mistakes led you to foreclosure, you probably feel like the weight of the world is on your shoulders and that you may never qualify for a home mortgage again. The truth is that obtaining a home loan post foreclosure...more
Are you behind on your timeshare maintenance fees? Do you find that your timeshare investment is something you haven't really been enjoying for the past years? Perhaps it's time to venture into timeshare loan modification and find out how...more
Many have been had over the prospect of owning a timeshare property as a vacation home. Though many testified that these properties are a worthwhile investment, there are those, however, who have felt the financial brunt of timeshares and want to get...more
Both commercial mortgages and remortgages can be of great help if you need to raise fund for the operation and management of your business. But before going for a mortgage or remortgage loan, you should weigh the pros and cons of it. Interest rate is...more
Todays busy life presents quite a few challenges getting things dome in a productive, competent fashion. The fast-paced existence experienced by most leaves little time to shop for anything, especially when it comes to specialised products such as a...more
The typical homeowner may think that mortgage acceleration is the act toward reducing the indebtedness on residential property by making larger repayments or more frequent ones than the loan contract requires. The short answer would be this is...more