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	<title>Total Home Loans</title>
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	<description>Want to Save Money?- Let An Ex Banker Show You How</description>
	<pubDate>Mon, 17 Nov 2008 08:30:38 +0000</pubDate>
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		<title>Home Loans - ANZ Makes it More Difficult</title>
		<link>http://www.totalhomeloans.com.au/home-loans-anz-makes-it-more-difficult.html</link>
		<comments>http://www.totalhomeloans.com.au/home-loans-anz-makes-it-more-difficult.html#comments</comments>
		<pubDate>Mon, 17 Nov 2008 08:29:46 +0000</pubDate>
		<dc:creator>Michael</dc:creator>
		
		<category><![CDATA[Home Loans]]></category>

		<category><![CDATA[100% loans]]></category>

		<category><![CDATA[ANZ Home Loans]]></category>

		<guid isPermaLink="false">http://www.totalhomeloans.com.au/?p=168</guid>
		<description><![CDATA[Today, ANZ have announced a further tightening of lending policy and will no longer approve loans above 90% of the house value.
This is a major contraction and points to more credit &#8220;squeezing&#8221;, making it harder for new home buyers.
Additionally they have determined to no longer capitalise the Mortgage Insurance Premium, meaning the total loan will [...]]]></description>
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		<title>Online Home Loans</title>
		<link>http://www.totalhomeloans.com.au/online-home-loans.html</link>
		<comments>http://www.totalhomeloans.com.au/online-home-loans.html#comments</comments>
		<pubDate>Sun, 09 Nov 2008 00:53:18 +0000</pubDate>
		<dc:creator>Michael</dc:creator>
		
		<category><![CDATA[Home Loans]]></category>

		<category><![CDATA[mortgage brokers]]></category>

		<category><![CDATA[online home loans]]></category>

		<guid isPermaLink="false">http://www.totalhomeloans.com.au/?p=166</guid>
		<description><![CDATA[Beware the publicity surrounding a new online service that allows you to have lenders bid on your loan needs.
It looks like all you have to do is provide your brief details and 16 lenders will beat a path to your door offering &#8216;unbelievable&#8217; deals with discounts and low application fees and more. The article I [...]]]></description>
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		<item>
		<title>Lo Doc Loans - Changes Coming!</title>
		<link>http://www.totalhomeloans.com.au/lo-doc-loans-changes-coming.html</link>
		<comments>http://www.totalhomeloans.com.au/lo-doc-loans-changes-coming.html#comments</comments>
		<pubDate>Thu, 06 Nov 2008 00:38:09 +0000</pubDate>
		<dc:creator>Michael</dc:creator>
		
		<category><![CDATA[Home Loans]]></category>

		<category><![CDATA[Lo Doc Loans]]></category>

		<category><![CDATA[Add new tag]]></category>

		<guid isPermaLink="false">http://www.totalhomeloans.com.au/?p=151</guid>
		<description><![CDATA[For those of you that have a Lo Doc loan currently, you should be aware that many lenders are beginning to place restrictions on lending under this Lo Doc policy. Not that that means that your current loan will change, but future lending under this policy may become more and more restrictive.
It’s my opinion that [...]]]></description>
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		<item>
		<title>Investment Property Purchases</title>
		<link>http://www.totalhomeloans.com.au/investment-property-purchases.html</link>
		<comments>http://www.totalhomeloans.com.au/investment-property-purchases.html#comments</comments>
		<pubDate>Tue, 30 Sep 2008 23:26:31 +0000</pubDate>
		<dc:creator>Michael</dc:creator>
		
		<category><![CDATA[Home Loans]]></category>

		<category><![CDATA[Investment Property]]></category>

		<category><![CDATA[home loan]]></category>

		<category><![CDATA[superannuation]]></category>

		<guid isPermaLink="false">http://www.totalhomeloans.com.au/?p=125</guid>
		<description><![CDATA[How to borrow through a Self Managed Superannuation Fund.
Changes to superannuation legislation now allow superannuation funds, including Self Managed Superannuation Funds (SMSFs), to borrow to invest, providing certain conditions are met.
If you have a SMSF you may now be able to borrow money to buy a residential property for investment purposes through that fund.
[Note: I [...]]]></description>
		<wfw:commentRss>http://www.totalhomeloans.com.au/investment-property-purchases.html/feed</wfw:commentRss>
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		<item>
		<title>Money Habits Start Young</title>
		<link>http://www.totalhomeloans.com.au/money-habits-start-young.html</link>
		<comments>http://www.totalhomeloans.com.au/money-habits-start-young.html#comments</comments>
		<pubDate>Tue, 19 Aug 2008 11:57:07 +0000</pubDate>
		<dc:creator>Michael</dc:creator>
		
		<category><![CDATA[Budgetting and Saving]]></category>

		<guid isPermaLink="false">http://www.totalhomeloans.com.au/?p=113</guid>
		<description><![CDATA[ 
If you&#8217;ve caught yourself telling your kids money doesn&#8217;t grow on trees, it&#8217;s a good indication they&#8217;re ready to learn about where money really does come from.

Educating your kids from an early age about the value of money is an important asset that will assist them through life (not to mention helping you survive [...]]]></description>
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		<item>
		<title>The True Cost of a Mortgage</title>
		<link>http://www.totalhomeloans.com.au/the-true-cost-of-a-mortgage.html</link>
		<comments>http://www.totalhomeloans.com.au/the-true-cost-of-a-mortgage.html#comments</comments>
		<pubDate>Mon, 18 Aug 2008 06:05:05 +0000</pubDate>
		<dc:creator>Michael</dc:creator>
		
		<category><![CDATA[Home Loans]]></category>

		<guid isPermaLink="false">http://www.totalhomeloans.com.au/?p=108</guid>
		<description><![CDATA[ 
When comparing the price of any product, including a home loan, it helps to compare apples with apples.

This is where comparison rates come in handy because they enable you to put home loan products from different lenders side-by-side and see their true cost. The comparison rate is a single percentage figure that includes both [...]]]></description>
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