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At long last, a meaningful step to protect Americans' privacy
This Saturday (19 Aug), I'm appearing at the San Diego Union-Tribune Festival of Books. I'm on a 2:30PM panel called "Return From Retirement," followed by a signing:
https://www.sandiegouniontribune.com/festivalofbooks
Privacy raises some thorny, subtle and complex issues. It also raises some stupid-simple ones. The American surveillance industry's shell-game is founded on the deliberate confusion of the two, so that the most modest and sensible actions are posed as reductive, simplistic and unworkable.
Two pillars of the American surveillance industry are credit reporting bureaux and data brokers. Both are unbelievably sleazy, reckless and dangerous, and neither faces any real accountability, let alone regulation.
Remember Equifax, the company that doxed every adult in America and was given a mere wrist-slap, and now continues to assemble nonconsensual dossiers on every one of us, without any material oversight improvements?
https://memex.craphound.com/2019/07/20/equifax-settles-with-ftc-cfpb-states-and-consumer-class-actions-for-700m/
Equifax's competitors are no better. Experian doxed the nation again, in 2021:
https://pluralistic.net/2021/04/30/dox-the-world/#experian
It's hard to overstate how fucking scummy the credit reporting world is. Equifax invented the business in 1899, when, as the Retail Credit Company, it used private spies to track queers, political dissidents and "race mixers" so that banks and merchants could discriminate against them:
https://jacobin.com/2017/09/equifax-retail-credit-company-discrimination-loans
As awful as credit reporting is, the data broker industry makes it look like a paragon of virtue. If you want to target an ad to "Rural and Barely Making It" consumers, the brokers have you covered:
https://pluralistic.net/2021/04/13/public-interest-pharma/#axciom
More than 650,000 of these categories exist, allowing advertisers to target substance abusers, depressed teens, and people on the brink of bankruptcy:
https://themarkup.org/privacy/2023/06/08/from-heavy-purchasers-of-pregnancy-tests-to-the-depression-prone-we-found-650000-ways-advertisers-label-you
These companies follow you everywhere, including to abortion clinics, and sell the data to just about anyone:
https://pluralistic.net/2022/05/07/safegraph-spies-and-lies/#theres-no-i-in-uterus
There are zillions of these data brokers, operating in an unregulated wild west industry. Many of them have been rolled up into tech giants (Oracle owns more than 80 brokers), while others merely do business with ad-tech giants like Google and Meta, who are some of their best customers.
As bad as these two sectors are, they're even worse in combination – the harms data brokers (sloppy, invasive) inflict on us when they supply credit bureaux (consequential, secretive, intransigent) are far worse than the sum of the harms of each.
And now for some good news. The Consumer Finance Protection Bureau, under the leadership of Rohit Chopra, has declared war on this alliance:
https://www.techdirt.com/2023/08/16/cfpb-looks-to-restrict-the-sleazy-link-between-credit-reporting-agencies-and-data-brokers/
They've proposed new rules limiting the trade between brokers and bureaux, under the Fair Credit Reporting Act, putting strict restrictions on the transfer of information between the two:
https://www.cnn.com/2023/08/15/tech/privacy-rules-data-brokers/index.html
As Karl Bode writes for Techdirt, this is long overdue and meaningful. Remember all the handwringing and chest-thumping about Tiktok stealing Americans' data to the Chinese military? China doesn't need Tiktok to get that data – it can buy it from data-brokers. For peanuts.
The CFPB action is part of a muscular style of governance that is characteristic of the best Biden appointees, who are some of the most principled and competent in living memory. These regulators have scoured the legislation that gives them the power to act on behalf of the American people and discovered an arsenal of action they can take:
https://pluralistic.net/2022/10/18/administrative-competence/#i-know-stuff
Alas, not all the Biden appointees have the will or the skill to pull this trick off. The corporate Dems' darlings are mired in #LearnedHelplessness, convinced that they can't – or shouldn't – use their prodigious powers to step in to curb corporate power:
https://pluralistic.net/2023/01/10/the-courage-to-govern/#whos-in-charge
And it's true that privacy regulation faces stiff headwinds. Surveillance is a public-private partnership from hell. Cops and spies love to raid the surveillance industries' dossiers, treating them as an off-the-books, warrantless source of unconstitutional personal data on their targets:
https://pluralistic.net/2021/02/16/ring-ring-lapd-calling/#ring
These powerful state actors reliably intervene to hamstring attempts at privacy law, defending the massive profits raked in by data brokers and credit bureaux. These profits, meanwhile, can be mobilized as lobbying dollars that work lawmakers and regulators from the private sector side. Caught in the squeeze between powerful government actors (the true "Deep State") and a cartel of filthy rich private spies, lawmakers and regulators are frozen in place.
Or, at least, they were. The CFPB's discovery that it had the power all along to curb commercial surveillance follows on from the FTC's similar realization last summer:
https://pluralistic.net/2022/08/12/regulatory-uncapture/#conscious-uncoupling
I don't want to pretend that all privacy questions can be resolved with simple, bright-line rules. It's not clear who "owns" many classes of private data – does your mother own the fact that she gave birth to you, or do you? What if you disagree about such a disclosure – say, if you want to identify your mother as an abusive parent and she objects?
But there are so many stupid-simple privacy questions. Credit bureaux and data-brokers don't inhabit any kind of grey area. They simply should not exist. Getting rid of them is a project of years, but it starts with hacking away at their sources of profits, stripping them of defenses so we can finally annihilate them.
I'm kickstarting the audiobook for "The Internet Con: How To Seize the Means of Computation," a Big Tech disassembly manual to disenshittify the web and make a new, good internet to succeed the old, good internet. It's a DRM-free book, which means Audible won't carry it, so this crowdfunder is essential. Back now to get the audio, Verso hardcover and ebook:
http://seizethemeansofcomputation.org
If you'd like an essay-formatted version of this post to read or share, here's a link to it on pluralistic.net, my surveillance-free, ad-free, tracker-free blog:
https://pluralistic.net/2023/08/16/the-second-best-time-is-now/#the-point-of-a-system-is-what-it-does
Image: Cryteria (modified) https://commons.wikimedia.org/wiki/File:HAL9000.svg
CC BY 3.0 https://creativecommons.org/licenses/by-sa/3.0/deed.en
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AI changing personal finance and how you make investments
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We’ll explore the challenges faced by individuals with bad credit scores in Australia and how expert home loan mortgage brokers at VOXFIN can assist them in achieving their dream of homeownership.
#bad credit loans in australia#bad credit loans#bad credit score#australia#melbourne#bad credit car loans#bad credit#finance#mortgage broker#home loan broker#investing#personal loans
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Which Is Better: Mortgage Broker Or Banks & Their Pros And Cons
Most people get home loans when buying a home, and for this, they either hire a finance broker or consult directly with the bank or lender. When buying a home, there are multiple things you need to look after, such as finding the lender, comparing costs, and additional expenses. These additional costs include stamp duty, council fees, mortgage registration fees and home insurance, for which you can hire the best insurance broker in Brisbane
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#insurance#finance#investment#savings#insurance broker#life insurance#personal insurance#lifestyle#finances#money#canada
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The weather turned frightful for large loans that missed the extended window of 3 - 4.6%. Although it’s always best to see the lowest possible interest when borrowing, sometimes time is the boss. It isn’t always prudent to refinance early - especially if you’re holding a loan with a prepay penalty. Making the best of a rate challenge involves looking at the long-range forecast and planning the types of deductions that create the most growth over the course of the length of your loan. Whether you’re getting a new loan or you're refinancing an existing loan, avoiding a prepay penalty may be your best move.
If you’re looking for your first commercial financing, learn from the ground up: Borrowing 101: Who Needs a Broker?
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Navigating the Canadian Dream: Best Mortgage Refinancing in Halifax and Tailored Mortgages for Newcomers
Canada has long been a land of opportunity and a welcoming destination for newcomers seeking a better life. Whether you're a long-time resident or a recent arrival, the dream of homeownership is a common aspiration. In this guide, we explore the best mortgage refinancing in Halifax and specialized mortgage solutions designed for newcomers to Canada.
Best Mortgage Refinancing in Halifax: A Gateway to Financial Freedom
Halifax, the vibrant capital of Nova Scotia, boasts a rich history and a thriving real estate market. If you already own a home in Halifax, you may be considering mortgage refinancing as a strategic move to enhance your financial situation. The best mortgage refinancing options in Halifax offer competitive rates, flexible terms, and the opportunity to tap into your home's equity for various financial needs.
When seeking the best mortgage refinancing in Halifax, it's crucial to consider factors such as interest rates, closing costs, and the overall impact on your long-term financial goals. Working with reputable lenders and mortgage professionals can help you navigate the process and secure a refinancing solution that aligns with your unique needs.
Tailored Mortgages for Newcomers to Canada: Building Your Canadian Homeownership Journey
Moving to a new country comes with its own set of challenges, and securing a mortgage as a newcomer is often one of them. Fortunately, many financial institutions in Canada understand the unique circumstances faced by newcomers and offer specialized mortgage products to ease the transition into homeownership.
These tailored mortgages for newcomers typically take into account factors such as credit history from the home country, employment status, and other considerations that may differ from traditional mortgage applications. Some lenders also offer down payment assistance programs specifically designed for newcomers, making the dream of owning a home in Canada more accessible.
Navigating the Canadian mortgage landscape as a newcomer can be daunting, but with the right guidance, it becomes a smoother process. Seeking advice from mortgage advisors who specialize in working with newcomers can provide valuable insights and help you find a mortgage solution that fits your financial situation.
Conclusion: Your Path to Homeownership in Halifax
Whether you're a current resident of Halifax looking to refinance your mortgage or a newcomer to Canada dreaming of homeownership, there are tailored solutions available to meet your needs. The key is to research the best mortgage refinancing options in Halifax and explore specialized mortgages for newcomers offered by reputable lenders. With careful consideration and expert guidance, you can embark on a successful homeownership journey in the welcoming and vibrant communities of Halifax, making Canada your home.
#Best Mortgage Refinancing halifax#Mortgages for Newcomers to Canada#mortage#mortgage broker halifax#finance
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Mortgage Brokers in Pimpama A Must Home Review
Pimpama, a picturesque suburb in Queensland, has witnessed a surge in the real estate market, attracting homebuyers from all walks of life. Navigating the complexities of mortgages in such a thriving market can be daunting. That’s where Must Home, the leading mortgage broker in Pimpama, steps in to simplify the process.
What Sets Must Home Apart
1. Tailored Financial Solutions: Must Home prides itself on offering personalized mortgage solutions tailored to individual needs and financial situations. Their expert brokers meticulously analyze your requirements, ensuring you get the best-suited mortgage plan.
2. Comprehensive Market Knowledge: With an in-depth understanding of the local real estate landscape, Must Home brokers provide valuable insights. They help clients make informed decisions, ensuring they secure the most advantageous mortgage deals available.
3. Streamlined Application Process: Must Home simplifies the often labyrinthine mortgage application process. Their team guides you through every step, from document preparation to submission, making the journey seamless and stress-free.
4. Competitive Interest Rates: Must Home collaborates with various lenders, granting access to an array of mortgage products at competitive interest rates. This ensures clients not only find a suitable mortgage but also save significantly over the loan term.
5. Exceptional Customer Service: Beyond securing mortgages, Must Home excels in customer service. Their dedicated brokers provide ongoing support, addressing queries and concerns promptly. This commitment to client satisfaction sets them apart in the industry.
How Must Home Can Help You
Whether you’re a first-time homebuyer, looking to refinance, or investing in property, Must Home offers a diverse range of services.
First Home Buyer Loans: Must Home assists newcomers in navigating the complexities of securing their first home, ensuring they benefit from government incentives and affordable repayment plans.
Refinancing Solutions: For existing homeowners, Must Home evaluates your current mortgage, exploring opportunities for refinancing that could lead to substantial savings over time.
Investment Property Loans: Investors receive tailored financial guidance, helping them expand their real estate portfolios strategically.
Conclusion —
In conclusion, Must Home stands out as a reliable and client-focused mortgage broker in Pimpama. Their commitment to personalized service, market expertise, and exceptional customer care makes them the go-to choice for anyone seeking a mortgage solution in this vibrant suburb.
Connect with us now on +61 468 784 663 and step ahead to a wise decision .
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Job Opening
Fully Remote
Up to $75,000 per year
See link to apply today
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Squire’s Finance Limited
Squire’s Finance Limited является престижным брокером, предоставляющим высококачественные услуги и инструменты для успешного инвестирования и торговли.
Профессионализм и надежность: брокер отличается высоким уровнем профессионализма и надежности в своей работе. Команда компании состоит из опытных профессионалов, обладающих глубокими знаниями финансовых рынков и стратегиями инвестирования. Брокерская компания придерживается строгих норм и правил, чтобы обеспечить безопасность средств клиентов и конфиденциальность их данных. Клиенты могут быть уверены в том, что их инвестиции находятся в надежных руках.
Технологические решения и инновации: брокер постоянно внедряет передовые технологические решения, чтобы обеспечить эффективность и удобство в торговле и управлении инвестициями. Компания предлагает клиентам доступ к передовым торговым платформам с широкими функциональными возможностями, такими как быстрое исполнение ордеров, графические аналитические инструменты, автоматизированная торговля и многое другое. Это помогает клиентам принимать обоснованные решения и получать максимальную отдачу от своих инвестиций.
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What to Do When Your Fixed-Rate Mortgage Ends: A Guide for Homeowners
A fixed-rate mortgage offers homeowners predictability and stability, often making it the go-to choice for buyers. However, when the fixed term comes to an end, many find themselves uncertain about the next steps. If you’re in Surrey and navigating this transition, it’s important to have a plan. Working with a mortgage broker in Surrey can make this process significantly easier, ensuring you find the best deal for your circumstances.
Here’s a comprehensive guide to understanding what happens when your fixed-rate mortgage ends and how to approach it strategically.
What Happens When Your Fixed-Rate Mortgage Ends?
At the end of your fixed term, your mortgage typically reverts to your lender’s Standard Variable Rate (SVR). The SVR is usually higher than the fixed rate you were paying, meaning your monthly repayments could increase significantly.
For example, if you were paying a fixed rate of 2.5% and your lender’s SVR is 6%, your monthly repayments on a £200,000 mortgage could rise by hundreds of pounds.
This is why it’s crucial to take action before your fixed rate ends to avoid unnecessary costs.
Key Steps to Take When Your Fixed-Rate Mortgage Ends
1. Review Your Current Mortgage Terms
Start by reviewing your mortgage agreement. Key details to note include:
The end date of your fixed-rate term.
Any early repayment charges (if applicable).
The interest rate you’ll revert to after the fixed term.
Understanding these terms will help you plan your next move effectively.
Key Steps to Take When Your Fixed-Rate Mortgage Ends
1. Review Your Current Mortgage Terms
Start by reviewing your mortgage agreement. Key details to note include:
The end date of your fixed-rate term.
Any early repayment charges (if applicable).
The interest rate you’ll revert to after the fixed term.
Understanding these terms will help you plan your next move effectively.
2. Start Researching Early
Don’t wait until your fixed rate ends to explore your options. Begin the process at least 3–6 months in advance. This gives you ample time to compare deals, gather documents, and apply for a new mortgage.
In Surrey, where the property market is competitive and mortgage products can vary widely, early preparation is key. A mortgage broker in Surrey can guide you through this process, saving you time and effort.
3. Consider Your Financial Situation
Your circumstances may have changed since you first secured your mortgage. Take stock of factors such as:
Income and employment stability.
Changes in household expenses.
Any plans for significant life changes (e.g., starting a family or retiring).
A mortgage broker can assess your current financial position and recommend products that align with your goals.
4. Understand Your Options
When your fixed-rate mortgage ends, you generally have three options:
a. Remortgage Remortgaging involves switching to a new mortgage deal, either with your existing lender or a new one. This is often the best way to secure a lower interest rate and reduce your monthly payments.
b. Stay on the SVR While convenient, staying on your lender’s SVR is usually not cost-effective. Rates are often higher and can fluctuate, leading to unpredictable payments.
c. Pay Off Your Mortgage If you have sufficient savings, you might consider paying off your mortgage in full. However, this isn’t always the best use of funds, especially if you have other financial goals or investments.
Why Work with a Mortgage Broker in Surrey?
Navigating the mortgage market can be overwhelming, especially with the variety of options available. A mortgage broker in Surrey offers expertise and access to exclusive deals that may not be available directly to consumers. Here’s why working with a broker is a smart move:
1. Local Expertise
Surrey’s property market has unique characteristics, from high-value properties in Cobham and Esher to affordable options in areas like Woking. A local broker understands these nuances and can recommend lenders that cater to your specific needs.
2. Whole-of-Market Access
Unlike approaching a single bank, brokers have access to a wide range of lenders. This increases your chances of finding a competitive deal tailored to your financial situation.
3. Time-Saving
Researching and comparing mortgage deals can be time-consuming. A broker does the legwork for you, streamlining the process and ensuring you don’t miss out on the best options.
4. Tailored Advice
Whether you’re self-employed, have a fluctuating income, or are looking to borrow more, a broker can connect you with lenders who specialize in cases like yours.
5. Cost-Effectiveness
Although some brokers charge a fee, the savings they can secure on your mortgage often outweigh these costs. Many brokers also earn their fees from lenders, meaning their services may be free to you.
The Remortgaging Process
Here’s what to expect when working with a broker to remortgage after your fixed term ends:
Initial Consultation The broker will assess your financial situation and goals, such as reducing payments, borrowing additional funds, or securing a shorter loan term.
Lender Comparison Using their expertise and market access, the broker compares products from various lenders to find the best deal for you.
Application Submission Once you’ve chosen a product, the broker handles the paperwork and submits your application to the lender.
Valuation and Approval The lender will likely conduct a property valuation. If everything checks out, your application will be approved, and you’ll transition to your new mortgage.
Completion The new mortgage replaces your old one, and your repayments will reflect the updated terms.
Key Considerations for Surrey Homeowners
1. Loan-to-Value (LTV) Ratio
Your LTV ratio, which compares the amount you owe to your property’s value, plays a significant role in determining your mortgage options. If your property has appreciated in Surrey’s robust market, your LTV may have decreased, qualifying you for better rates.
2. Property Type
Surrey has a diverse range of properties, from period homes to new builds. Certain property types, such as listed buildings, may require specialist lenders. A broker can help you navigate these complexities.
3. Future Plans
If you’re planning to move soon, a shorter fixed term or a tracker mortgage might be more suitable than locking in a long-term deal.
Tips for Securing the Best Deal
Check Your Credit Score: A strong credit score increases your chances of approval and access to better rates.
Prepare Documentation: Gather proof of income, bank statements, and identification to streamline the application process.
Consider Overpayments: If you can afford it, overpaying on your mortgage before remortgaging could reduce your LTV and open up better deals.
Seek Expert Advice: A mortgage broker can help you avoid costly mistakes and find the most suitable product.
Final Thoughts
When your fixed-rate mortgage ends, it’s an opportunity to reassess your financial goals and secure a better deal. Whether you’re looking to lower your monthly payments, borrow more, or transition to a more flexible product, taking proactive steps is essential.
Working with a mortgage broker in Surrey ensures you have access to expert advice, exclusive deals, and local market insights. Their support can save you time, money, and stress, making the transition to your next mortgage smooth and cost-effective.
Don’t let the end of your fixed term catch you off guard. Start planning today, and with the right guidance, you’ll be well on your way to securing the best possible deal.
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Timing the Market: How Interest Rates Impact Homebuying
When it comes to buying a home, timing is everything. One of the most critical factors to consider is the state of interest rates, as they significantly affect the cost of your mortgage and your long-term financial commitment. Understanding how interest rates work and strategically timing your purchase can help you save thousands of dollars and make the most of your investment. 1. Why Interest…
#finance#home refinance#homeownership#loan officer#lower interest rates#mortgage broker#mortgage loan officer#mortgage loans#North Carolina mortgage#refinance
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