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Mortgagor:
A person who offers to assign an asset as security (e.g. real estate) under a mortgage loan contract. The lender (mortgagee) holds the legal ownership of the security until the loan is repaid and the mortgage is discharged.

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Unsecured personal loans

Interest rates for unsecured loans are typically higher than for secured loans. Repayment terms for personal loans can range from as little as 6 months for short-term finance up to 5 years or more. Interest rates will also vary dramatically for personal loans depending on the loan term, the amount of the loan as well as the individual circumstances of the applicant. Whilst loans of $5000 or more for an applicant with a good credit history over a term of 3 years or more may be available for as little as 15% per annum or less, small, short term loans can attract comparative rates as high as 36% including fess and charges - depending on the circumstances of the applicant. For example, a $1000 loan over 6 months could require a fortnightly repayment of as much as $96.92.
Secured loans such as home loans, car loans, etc. are usually a much cheaper finance option. The interest rate will be different depending on what you are financing. For example, home loan interest rates will be typically lower than for a car, boat, caravan or truck loan.

Finance Articles

Why Are Annual Interest Rates So High For Payday Loans
Payday lending is surrounded by confusion and misunderstanding. Critics see high Annual Percentage Rates (APR’s) and deduce that... read more

Put a Balloon Payment in a loan with the 6 steps to keep the loan profitable and safe
Reduce loan monthly loan payments to half of what they should be, by using a balloon payment. Handled correctly, a very smart thing... read more

Guide To Personal Loans For Debt Consolidation
You can qualify for personal loans for debt consolidation even with bad credit. In fact, debt consolidation loans are meant to help... read more

Finance News

Personal Loans to help Australians in need: FSO
Oct 29 :: As Australia prepares to clean up following devastating fires and floods, Financial Services Online CEO, Andrew Clark, has announced... read more

Small business loans to help Aussie businesses through tough times
Nov 27 :: Financial Services Online has today announced a new credit facility for Australian business customers who are seeking loans for amounts... read more

Police issue warning about bank scam
Nov 20 :: Melbourne police are warning people about a scam in which fraudsters pose as bankers and ask for money.They say they cold call... read more