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There are 3:- Pre-approvals, Construction, Off the Plan purchases:-

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The official cash rate hit its current level of 4.35% after the Reserve Bank of Australia (RBA) increased it by 25 basis points at its November 2023 meeting. The cash rate's level has held steady since then, and now the bank has met for the last time in 2024, it is a certainty that there will be no cuts until at least 2025.

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The Master Limit feature is an overall lending limit that is available for a borrower's financing needs, now and in the future. It can provide flexibility to borrowers to restructure their debts between deductible and non-deductible debt, for either 5 or 10 years. The Master Limit (up to a maximum of 80% LVR or the applicant's borrowing capacity) may be approved when the applicant applies for a loan and can consist of up to 10 splits or 'sub-accounts' of which the combined total credit limits must always equal the Master Limit.

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When you take out a life insurance policy one of the most important decisions you'll make is determining who will receive the benefit in the event of your passing. This decision ensures that your loved ones are financially protected, and your wishes are honoured. Who receives the benefit? Generally, the policy owner will receive any terminal illness, Total and Permanent Disability (TPD), Trauma, and Income Protection benefits that become payable. How a life insurance benefit is paid differs depending on whether its paid outside or within super.

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Here are two main types of credit files: business and consumer. Whether it's a business or consumer credit file, the fundamental purpose of a credit file is to help financiers and lenders make a decision on an organization's creditworthiness.

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