{"id":1195,"date":"2008-02-09T08:13:23","date_gmt":"2008-02-08T22:43:23","guid":{"rendered":"http:\/\/www.theelusivepotofgold.com\/MyBlog\/2008\/02\/09\/first-time-buyer-mortgage-tips\/"},"modified":"2008-02-09T08:39:02","modified_gmt":"2008-02-08T23:09:02","slug":"first-time-buyer-mortgage-tips","status":"publish","type":"post","link":"http:\/\/www.theelusivepotofgold.com\/MyBlog\/2008\/02\/09\/first-time-buyer-mortgage-tips\/","title":{"rendered":"First Time Buyer Mortgage Tips"},"content":{"rendered":"
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\nIf you are considering taking a mortgage out for the first time then you may be interested in the First Time Buyer Mortgage<\/a> package. There are a few tips that you should know; the first and most important is that you should never, ever borrow above your means. Too many people get caught out because they borrow way too much and then when the unexpected happens like interest hikes, unsuspected pregnancies etc, they find that they can no longer meet the payments. <\/p>\n

Another thing you should keep in mind is that if the interest rates go down, and you are on a variable loan; keep making the same repayments, as then you will pay off your loan a lot quicker. Actually if you are smart you will borrow an amount that will let you make higher repayments, again so that you can pay the loan off quicker, as in this way you will save yourself thousands of dollars.<\/p>\n

In fact the quicker you reduce the loan in the early years the better as it is the first few years that you pay mainly interest and very little princiapl. I know that I actually cut out a lot of luxuries the first few years so that I could pump as much as possible into the loan.<\/p>\n","protected":false},"excerpt":{"rendered":"

~~~ If you are considering taking a mortgage out for the first time then you may be interested in the First Time Buyer Mortgage package. There are a few tips that you should know; the first and most important is that you should never, ever borrow above your means. 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