You have a lot of choices to make when you are first taking out a mortgage. One of the biggest decisions is whether to go for a variable or a fixed rate mortgage.

Hometrack, one of the housing industry’s leading sources of market-related intelligence, predicts that: “2008 may just provide the pause for breath the mortgage and housing market really needs.” Gary Styles, the Strategy Risk and Economics Director at Hometrack predicts that “lenders will take stock in 2008 and review and analyse their lending practices and policies to see if they match the long and short term outlook for the market and indeed review their own objectives.

If you don’t know there is a global credit crunch, you must have been living on another planet. And if you’re trying to buy a house or get a mortgage, you will be only too aware of its effects on the mortgage market.

Traditionally, we use postcards in our mortgage business to pass along holiday greetings, reminders, and general information. Here are a few unusual ways you can use postcards in your mortgage business...

Knowing 6 types of personal loans will make it easier for you do deal with lenders, Go from asking for a loan to saying that you want a novated lease with a 45% balloon payment on a guarenteed buy back. You will get a better deal.

Between the time you are about to get funded and the time that you actually have to make a payment, there might be too big a gap. In this gap, you can get funded for a short-period.

Unless you've been living in a cave or under a rock the last few years, you've seen first hand how Tiger Woods has become one of the most dominate forces in men's golf. There's a great mortgage lesson here...

Over the years I have come across people who have been brainwashed into remortgaging every two or three years by their Bank, Building Society or their Mortgage Broker. These intelligent people are sold the story that know body knows where the interest rates will be in two or three years time and it is better not to tie yourself into a long term fixed rate just in case interest rates fall.

Is your credit card and loan debt increasing year after year? This should be setting off alarms bells in your head. Take corrective action now to go from rising debt to reducing debt, creating long term sustainable wealth.

Quite often I'm asked the following question: I just received a couple of complaints as a result of the marketing campaign that I'm running. I'm concerned about this...should I change my marketing program? Here's my answer...