Page 73 - The-Mortgage-Maximiser-Method-by-Thomas-Ilinkovski
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• DĂĚĚŝĞ ǁĂƐ Ă ĨŽƌĞŝŐŶ ĐŝƟnjĞŶ ůŝǀŝŶŐ ŽǀĞƌƐĞĂƐ͕ ǁŚŝĐŚ ŵĞĂŶƐ͕ ŝŶ E^t͕ ƚŚĂƚ
ƚŚĞLJ ĂƌĞ ƐƵďũĞĐƚ ƚŽ Ă ŚŝŐŚĞƌ ƐƚĂŵƉ ĚƵƚLJ ďƵƌĚĞŶ͘ /Ŷ ƚŚĞŝƌ ĐĂƐĞ͕ ƚŚŝƐ ǁĂƐ
ĂŶ ĂĚĚŝƟŽŶĂů ΨϮϳ͕ϬϬϬ͘
• dŚĞŝƌ ŝŶĐŽŵĞ ĚŽĐƵŵĞŶƚĂƟŽŶ ǁĂƐ ŝŶ 'ĞƌŵĂŶ͘
• Maddie receives a bonus as part of her income package.
tĞ ǁĞŶƚ ǁŝƚŚ Ă ůĞŶĚĞƌ ƚŚĂƚ ǁŽƵůĚ ĂůůŽǁ ƵƐ ƚŽ ƉƵƌĐŚĂƐĞ ƚŚĞ ŚŽŵĞ ŝŶ
DĂĚĚŝĞ͛Ɛ ŶĂŵĞ ŽŶůLJ ĂƐ ƐŚĞ ŝƐ ĂŶ ƵƐƚƌĂůŝĂŶ ĐŝƟnjĞŶ͕ ďƵƚ ďŽƚŚ ŶĂŵĞƐ ǁĞƌĞ
ŽŶ ƚŚĞ ŵŽƌƚŐĂŐĞƐ͘ dŚŝƐ ĂǀŽŝĚĞĚ ƚŚĞ ŚŝŐŚĞƌ ƐƚĂŵƉ ĚƵƚLJ ƉĂLJŵĞŶƚ͕ ƐĂǀŝŶŐ
ƚŚĞ ĐůŝĞŶƚ ΨϮϳ͕ϬϬϬ͘ dŚĞ ůĞŶĚĞƌ ĂůůŽǁĞĚ ĨŽƌ ƚŚĞ ƵƐĞ ŽĨ ƚƌĂŶƐůĂƟŽŶƐ ǀŝĂ Ă
EĂƟŽŶĂů ĐĐƌĞĚŝƚĂƟŽŶ ƵƚŚŽƌŝƚLJ ĨŽƌ dƌĂŶƐůĂƚŽƌƐ ĂŶĚ /ŶƚĞƌƉƌĞƚĞƌƐ ;E d/Ϳ
ƋƵĂůŝĮĞĚ ƚƌĂŶƐůĂƚŽƌ͘ dŚĞ ůĞŶĚĞƌ ĚŝĚ ŶŽƚ ĐŽƵŶƚ ƚŚĞ ďŽŶƵƐ ŝŶĐŽŵĞ͖ ŚŽǁĞǀĞƌ͕
ǁĞ ŵĂŶĂŐĞĚ ƚŽ ƵƐĞ ƐŽŵĞ ŽǀĞƌƟŵĞ ƉĂLJŵĞŶƚƐ ƚŽ ĂůůŽǁ ƵƐ ƚŽ ŚĂǀĞ ƐƵĸĐŝĞŶƚ
income to meet repayments.
DĂĚĚŝĞ ĂŶĚ <ůĂƵƐ ŶŽǁ ŚĂǀĞ ĂŶ ŝŶǀĞƐƚŵĞŶƚ ƉŽƌƞŽůŝŽ ŽĨ ƚǁŽ ^LJĚŶĞLJ ƵŶŝƚƐ
ĂŶĚ ƚŚĞ ůŽŶŐĞƐƚ ƉĂƌƚ ŽĨ ƚŚĞŝƌ ůĞŶĚŝŶŐ ƉƌŽĐĞƐƐ ǁĂƐ ƌĞĐĞŝǀŝŶŐ ƚŚĞ ĨƵůůLJ ǀĞƌŝĮĞĚ
pre-approval. I recommend everyone should obtain pre-approval upfront
ĂƐ ŝƚ ƚĂŬĞƐ ĂǁĂLJ ŵŽƐƚ ŽĨ ƚŚĞ ƵŶĐĞƌƚĂŝŶƚLJ ĂďŽƵƚ ǁŚĞƚŚĞƌ Žƌ ŶŽƚ LJŽƵ ǁŝůů
successfully be able to obtain a loan.
Ɛ Ă ŐĞŶĞƌĂů ƌƵůĞ͕ ĞdžƉĂƚƐ ĂŶĚ ŶŽŶͲƌĞƐŝĚĞŶƚƐ ǁŝůů ŶŽƚ ƉĂLJ ŚŝŐŚĞƌ ŝŶƚĞƌĞƐƚ ƌĂƚĞƐ
ǁŚĞŶ ďƵLJŝŶŐ ƉƌŽƉĞƌƚLJ͕ ďƵƚ ƚŚĞƌĞ ǁŝůů ďĞ Ă ůŝŵŝƚĞĚ ŶƵŵďĞƌ ŽĨ ůĞŶĚĞƌƐ ƚŚĂƚ ǁŝůů
ĂĐĐĞƉƚ ƚŚĞƐĞ ƚLJƉĞƐ ŽĨ ĂƉƉůŝĐĂƟŽŶƐ͘
It is important for temporary and non-residents to enlist the help of
ƐƉĞĐŝĂůŝƐƚ ŵŽƌƚŐĂŐĞ ďƌŽŬĞƌƐ ƚŽ ŚĞůƉ ƚŚĞŵ ƚŽ ĂǀŽŝĚ ƚŚĞ ĐŽŵŵŽŶ͕ ĂŶĚ ŽŌĞŶ
ĐŽƐƚůLJ͕ ŵŝƐƚĂŬĞƐ ƚŚĂƚ ĐĂŶ ĂƌŝƐĞ ĚƵĞ ƚŽ ƚŚĞ ĐŽŵƉůĞdž ƌĞƋƵŝƌĞŵĞŶƚƐ ŽĨ ĚĞĂůŝŶŐ
ǁŝƚŚ ĨŽƌĞŝŐŶ ĐƵƌƌĞŶĐLJ͕ ŶĂǀŝŐĂƟŶŐ ƌĞŐƵůĂƚŽƌLJ ƌĞƋƵŝƌĞŵĞŶƚƐ ĂŶĚ ĐŽŶƐŝĚĞƌŝŶŐ
ƚĂdžĂƟŽŶ ĨĂĐƚŽƌƐ͘
<ĞLJ ĨĂĐƚŽƌƐ ƚŽ ŬĞĞƉ ŝŶ ŵŝŶĚ ĂƌĞ͗
• ĞƉŽƐŝƚ ƌĞƋƵŝƌĞŵĞŶƚƐ͗
ĞƐƉŝƚĞ ƚŚĞ ĐŽŵŵŽŶ ŵŝƐĐŽŶĐĞƉƟŽŶ ƚŚĂƚ ĞdžƉĂƚƐ ŶĞĞĚ Ăƚ ůĞĂƐƚ Ă ϮϬй
ĚĞƉŽƐŝƚ ;>sZ ŽĨ ϴϬйͿ͕ LJŽƵ ĐĂŶ ĮŶĚ ůĞŶĚĞƌƐ ǁŚŽ ǁŝůů ĂĐĐĞƉƚ ĂŶ >sZ ŽĨ
ϵϱй ĂƐ ůŽŶŐ ĂƐ LJŽƵ ƚĂŬĞ ŽƵƚ >ĞŶĚĞƌ͛Ɛ DŽƌƚŐĂŐĞ /ŶƐƵƌĂŶĐĞ͘
• >ĞŶĚĞƌ͛Ɛ DŽƌƚŐĂŐĞ /ŶƐƵƌĂŶĐĞ ;>D/Ϳ
dŚĞ ŵĂũŽƌ ďĞŶĞĮƚ ŽĨ >D/ ŝƐ ƚŚĂƚ ŝƚ ĂůůŽǁƐ LJŽƵ ƚŽ ďƵLJ ƐŽŽŶĞƌ͘ dŚĞ >D/
ŵŝŐŚƚ ĂůƐŽ ďĞ ƚĂdžͲĚĞĚƵĐƟďůĞ͘
• &ƵůůLJ ǀĞƌŝĮĞĚ ƉƌĞͲĂƉƉƌŽǀĂů
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