The
Australian market has changed a lot in the last twenty
years. Deregulation and the growth of competition have
meant many different lenders are now available to modern
consumers in addition to the traditional banks and building
societies. Each of these has a range of loans so there
are literally thousands of products on the market today.
These options will fall into basic categories and these
can be split or combined in different ways to suit the
individual borrower’s needs. Loans also have optional
features that can be utilised. Features like ‘Interest
Only’ payments, Re-draw options, and linked credit card
or cheque book facilities. We can define the ‘basic’
loan options for most borrowers in this way.
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