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Sydney’s Mortgage Modification Scams: Avoiding Profit Loss – Disclaimer: All information in my articles is general and is for informational and educational purposes only. It should never be considered personal financial advice. Always consider the best options for your personal situation and seek the necessary financial and legal advice before making any decisions.
Depositing for a first mortgage can be a daunting task and although the government may have first home buyer packages, they do not extend to the property values that many first home buyers in Sydney and Melbourne are targeting.
Sydney’s Mortgage Modification Scams: Avoiding Profit Loss
This is especially helpful when home equity can help and your ability to service the loan matches the value of the property being purchased.
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A family guarantee provides additional security by guaranteeing that the borrower’s immediate family members (usually parents or siblings) will not exceed 80% of the loan amount. For example, if you’re looking to buy a $1,000,000 property but only have a $100,000 cash deposit, a home equity loan can help you borrow the $900,000 you need, plus taxes and conveyancing funds . Without paying mortgage insurance.
Only applicants’ income will be considered. There are additional rules regarding the use of the guarantor’s income, depending on whether the guarantor owns or invests in the property, and the mortgage the guarantor has on the property.
As the LVR is 80%, the interest rate is always better on home warranty deals and hence better discounts are available.
As long as the LVR is required to be maintained at or below 80%, the warranty remains valid. Once the value of the purchased property has increased enough so that the loan balance is less than 80%, then the security can be released. This is usually between 3 and 5 years depending on the property’s price appreciation and your ability to repay the loan.
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When the collateral property is sold, mortgage insurance applies if there is no other collateral and the LVR is still above 80%.
A home equity loan is getting into your home (it doesn’t have to be your first home) without a 20% deposit and avoiding mortgage insurance. It also means you don’t need a cash gift from the Bank of Mum and Dad. But it affects the guarantor’s ability to negotiate the security assets.
Want to see how family coverage can work for you? Book a confidential, no-obligation consultation here. The threats to your banking security are many. While this isn’t a complete list of all the scams out there right now, it can give you an idea of what to look for so you can protect your banking information.
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We’ve discovered a new variant of bank impersonation scams where fake messages are sent to customers advising them to expect a phone call about a “business matter”.
During the call, customers click on a link provided in another text message to help resolve these issues. This link leads to a fake website with a button to start a “live chat”. This site looks impressive. If the customer clicks on the button, the software is downloaded to the customer’s device, allowing fraudsters to access the device remotely.
The fraudster (still posing as an employee) asks the victim to log into their internet bank, allowing the fraudsters to capture the customer’s login details. The scammer can also take over the session and take over the business or ask the customer to transfer money to a “safe” account.
If you have received and responded to a message that you believe is fraudulent, have shared your banking information, or are concerned that your personal information has been compromised, please contact us immediately.
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You can report a scam to Scamwatch. For more information on how to protect yourself online, visit the Security Center.
Be aware of new scams that appear. The text message states that the customer’s debit card requires additional verification and provides a link to reset the card.
The link in the text looks like the correct website address (-login.com instead of the correct .com link). If you click, the link will take you to a website that looks legitimate, but is designed to steal your personal information. In this case, customers need to provide their customer registration number (CRN), net banking password, email, password and mother’s maiden name. Customers are also required to provide photo identification.
Remember, we will never email, call or write to you, ask for your password, PIN, one-time password (OTP), RSA token, protection or transfer of money to another account.
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If you have received and responded to a message that you believe is a scam and have shared your bank details, account information or are concerned that your personal information has been compromised, please contact us immediately.
You can report scams on Scamwatch. For more information on how to protect yourself online, visit the Security Center.
We are seeing an increase in scams, often by text or phone call, from ourselves. Retail, business and corporate banking customers can receive these texts/calls, see examples.
We recommend that you stop these calls immediately or contact your bank using the phone number or other contact information posted on our website www..com if you need a phone call.
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Although our fraud team occasionally calls customers to investigate suspicious transactions like this, we do not ask you to provide sensitive banking details (such as PINs, PINs, one-time passwords) or transfer money or download or send software to you . e-mail. Access directly from email or SMS.
The best way to protect yourself from fraud is to recognize the warning signs and think before you act.
For more information about fraud or if you believe you have been a victim of fraud, follow the steps listed on the Report Bank Fraud page.
Of course, there are a number of known tricks to get customers to take action – eg: click on a link. Keep the scammer’s phone or call the number listed in the message.
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These scammers call customers to inform them that their money is at risk of fraud or that there is suspicious activity in their account and ask customers to transfer money to another account to protect their money – we recommend that you stop called immediately.
Although our fraud team may occasionally call customers to investigate such suspicious transactions, we will never ask you to transfer money or download software.
We recommend that you do not provide personal or banking information or access your computer or online banking account to unknown persons through unsolicited phone calls, text messages or e-mails. Always contact us using the telephone number or other contact details published on our website
For more information about fraud or if you believe you have been a victim of fraud, follow the steps listed on the Report Bank Fraud page.
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June 20, 2022: Scam SMS Fake SMS Many customers have reported receiving scam messages asking them to verify their accounts.
Do not respond to suspicious messages, calls or emails – even if they appear to be from a legitimate organization
Never send you an email, call or SMS, ask for personal information such as password, PIN, one-time password (OTP) for money, RSA token, shield or ask you to transfer money to another account.
If you receive a suspicious text message regarding activity on your account and/or if you are not currently using the Service, please do not respond to it and notify us. Follow the steps listed on the Bank Fraud Reporting page.
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If you provide personal information to a link that you suspect has received or received a message from someone that your account is at risk, contact a number you know immediately.
We are now aware of a number of fraudulent smiley text message campaigns targeting our customers.
We will not send e-mails/text messages asking for your account or financial information or your telephone banking, mobile banking or internet banking login details.
To help protect your virtual valuables, don’t forget APACT. Visit the Security Center for more information on how to protect yourself.
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Received reports of customers receiving text message scams. These text messages appear to originate from and come from large online retailers such as Amazon, and ask customers to click on a link to cancel a fake order.
Despite using URLs that look like valid website addresses, the information and links are illegal. This message appears to be from a legitimate number
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