If you can’t save me please save my babies, owner didn’t want to deal with them

When you are looking for a home loan there are so many options out there in the market that it can get rather confusing. One of those options is a Home Loan Package. It's usually a bank that offers these types of packages and it offers a way to utilise a few of the bank's services at a discounted rate. What the bank provides is a home loan and they add a few financial products. Perhaps a credit card and/or a transaction account with no fees.

These packages are quite attractive to buyers. Banks ensure the popularity of their packages by offering at least three products, usually the minimum needed to be eligible, to add to the home loan.


It's a competitive market, particularly for banks considering they dominate the home loan market, so they can dangle the proverbial carrot on that home loan interest rate discount. Because they have you on board, don't be surprised to see further discounts added to your credit card interest rate, lower account fees and while you're there, you might as well take their heavily discounted home and contents insurance. It's all about savings.

The level of discount that will be offered varies between financial institutions, so it is essential to understand the pros and cons and weigh this against your circumstances.


All in One Place

If you have had a few different accounts and cards with numerous institutions you will find it a lot more convenient and manageable to have all your banking with the one lender. Given the lender has probably offered you savings on accounts, cards and your mortgage, it wouldn't make much sense to have accounts and cards at a higher rate or transactional costs with other institutions.

More Discounted Products

As mentioned, the four major banks own a big chunk of the existing market in mortgages and that gives them the ability to offer these package deals against which smaller lenders have difficulty competing. If you are looking to take out a home loan with a building society or a credit union, they usually offer products in which they specialise.

High Income

For high income earners, package deals will help build equity a lot quicker in an offset account. The savings on interest can be worked through a combination of having the salary reduce the interest charge and living off the credit card. Just remember to pay off the card each month!


Locked In

It's not always smooth sailing when you are paying off a mortgage. Interest rate rises, changes in lending policy, and on a personal level, problems that make repayments difficult. Also, someone offers a better deal. Wriggling out of a home loan package may incur costs. In fact, those costs can make it unattractive to move to another lender.

The Rate

Don't kid yourself that discounts on financial products will save you anywhere near the savings you will make on a lower mortgage rate. Repayments over 30 years add up to an astronomical amount of interest. Saving a couple of dollars per transaction or having a lower credit card rate won't come anywhere near that amount. While discounted mortgage rates might sound attractive, talk to a mortgage broker or use an online mortgage calculator to compare basic mortgage rates.

Keep it Simple

You may be better off by taking out a simple home loan and not be attracted by the bells and whistles of special packages. Technology these days means accessing your loan account online and utilising a redraw facility (f applicable) to pay off the mortgage faster, which saves some serious interest, or if you're in need of extra funds, withdraw from that account.

Does it Cost?

Check that the package deal does not have something like an annual charge. If it does carry an annual fee, work out whether the savings overall on lower interest rates for the life of the loan make you better off.

Here to Help

If you don't have the time to do a lot of research, then using expert mortgage broker services, knowledge and experience is great way to get the information you need and the best home loan tailored to your budget and circumstances. Mortgage Broker services are free, and personalised service is an added bonus!



Faith Hill is a brand new Mama to 9 puppies! She's a shy girl, but is very calm and relaxed while you pet her gently. She's a very good Mama to her pups and enjoys your company while you're in the kennel with all of them. Faith Hill is around 4 years old, roughly 35 lbs, and looking for someone to save her with all of her babies.

PAST SHELTER DEADLINE! This dog is in ACS KENNELS and at risk of euthanasia as space is needed by the city at 9:30am Mon-Sat, and again at 5pm Mon-Fri & 3pm Sat

ADOPTERS PLEASE EMAIL: acsadoptions@sanantonio.gov
FOSTERS/RESCUES PLEASE EMAIL: placement@sanantoniopetsalive.org

We are NOT the City Shelter to where pictures were taken. FOR MORE INFO ON THIS PET please contact:
San Antonio Animal Care Services
4710 State Highway 151
San Antonio, TX 78227
Phone Number: (210) 207-4PET.
Fax Number: (210) 207-6673
Ask for information about animal ID number #A513546

STATUS : - read comment for update from crossposter
Tips To Choose a Mortgage Lender

No matter how rich you are emergency situations can crop up at any time. Thus, you have to consider taking a loan either from an individual or from a financing company or a bank. Most of the people of now like to opt for the latter options rather than going for the first option. This is because the financing companies or banks are more reliable than a person. But the high interests that are charged on the loans are really a burden. So, a better alternative that you can look for is mortgaging your property against the loan you take. This will relief you from being taxed with high charges and you can pay the loan amount at your convenience within the time limit that the company has offered you. To choose a proper loan lender you can follow some of the tips that we have provided in this article.

Prepare a List

While you consider risking your personal property, why plan everything in haste. Some companies would try to persuade you to take quicker decisions by offering attractive rates but let them be as they are and take your time to take your decision. Research well and make a list of the companies that you find.

Check the Terms and Conditions

Not only choosing the company but knowing the terms and conditions through which the loan to be completed are important. Remember that you are risking your property for money and the slightest carelessness in this respect can cause you to lose your money.

How Quickly They Respond

The next thing that should be your determining factor is that how quickly they respond to your queries. Emergency situations don't give you a lifetime opportunity. A delay can make the problems to increase. So, instead, you should go for the ones that respond quickly to your needs.

Compare and Choose

After you check with several companies you can compare the interest rates and also the time period they are allowing you to make the repayments. You also have to ensure that the company that you are thinking of dealing with should have a good reputation in the market. Check their client reviews and the years the company has been in the market. If you find that the company is a genuine one then you should go ahead with finalizing the deal with the company.

We hope that just by reading this article you have got an idea about choosing the mortgage provider. This will help you in choosing a better lender for your needs.

To know more about reverse mortgage lenders in Florida.

4 Responses to "If you can’t save me please save my babies, owner didn’t want to deal with them"

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  2. Another OFFICIAL THREAD TO SHARE FROM SAPA(Sometimes they delete theirs):


  3. This gentleman ᴍᴀʀᴋɪᴘʟɪᴇʀ ᴄᴏᴍᴍᴜɴɪᴛʏ @HAABERSKY would like to place a pledge of $20 for this Mom & Pups.


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