Brokers are an important link in the loan application process. They not only act as an intermediary between you and your lender but also present multiple loan options in front of you and further guide you with the loan verification process.

They provide upfront information and are well versed in the money lending market; they can steer you in the right direction. It is, therefore, advisable to contact a mortgage broker while applying for a mortgage loan because the process can be complicated if you do it by yourself. It is even more important to avail information from them by asking your quires.

So, here's a list of 7 important questions you must consider asking your broker before making a big move in the market.

1. What are all lending options available?

A mortgage broker will have a pool of lenders from which you can pick according to your convenience. The money lending business is handled by the bank and non-banking lenders.

As you get into the entire money-borrowing business, it is very important to know all the sources and options that are available to you. Ask the lending agencies about the pros and cons of each option available to you and get an estimate of what would be profitable and more convenient for you, depending on your job profile and budget.

Try to avail as much information as possible in this regard and do not make decisions in haste. Explore the options of interest-only loans, amortization loans, fixed-rate loans, and adjustable-rate loans. It is advisable to follow the advice given by the brokers to make a healthy decision. They are gelled in the market, and they know which option could suit you according to your financial condition.

2. What is the interest rate?

A good agency will guide you based on the Comparison rate rather than the interest rate. You will want to have a low-interest rate on your loans, but a mortgage broker will analyze it for the long term and present you with a comparison rate.

Also, rates could be fixed or variable. Brokers will help you make better decisions based on your financial situation.

3. Is there any down payment required? If yes, how much?

Down payments are usually required. The amount of down payment differs by lending institutions, the loan amount, tenure, etc. However, a broker will help you bring it down to as low as 3%. Quite often, a payment of 20% is incurred.

4. What is the process of loan approval, and how long can it take?

There are various levels at which a loan is sanctioned. In case of clear documentation without any visible faults in the profile, a loan can be approved in as less as 15 days.

A broker will guide you with the documentation process and will also try to smoothen up the procedure. Be sure to ask additional questions in this case to get a clear idea of what you are getting into.

5. Are there any additional costs involved?

A loan estimate is presented by all agencies to the clients, which gives detailed information on all the extra costs and taxes involved. This estimate can give you an overall idea of the costs that are involved in the entire process. Request your mortgage broker to provide you with an estimate of the time to proceed.

6. Will you be provided with an on-time closing?

On-time closing could be an issue involved and a matter of concern. Ask them whether they'll take the responsibility of closing your transactions on time and, if not, what is liable to happen to the additional costs incurred in this period. It is important to get a schedule according to which you will process your loans. A clear-cut idea about the entire process must be gained before borrowing.

The Bottom Line:

Remember, you are not limited to asking these questions only. It is important to have a fair idea about the process and the more you ask, the more knowledge you will gain. The lending and borrowing market is complicated and at any time you can be in the trap of some unauthenticated lenders. Such cases happen in this market as usual like in other markets. So, it is better to clarify all your doubts by questioning the broker to avoid issues in the latter phase.

 

Are you going to move to a new house? If yes, you must have a lot of stuff to do, packing the furniture, moving them and unpacking them. Will it not be amazing if someone else does all these tasks for you and you remain stress-free all the time? That’s what professional removalist staff does. They are well trained for this particular job and do the job efficiently.

Know why you need them to move your valuables to a new place.

Better packing skill: A professional removalist staff is trained to pack the furniture in the best way so that they remain intact throughout the whole process. They know how to pack bigger items as well as the smaller ones. They are skilled in packing vulnerable items like glass, mirrors, show pieces, etc. Also, unpacking the items need so much care so that nothing is damaged while unpacking. A professional removalist staff is efficient for this work.

Better utilization of the car space: One of many benefits when you hire professionals for valuables moving, is that you get the transportation vehicle facility from the company. And, the best thing is the staffs are skilled and experienced to load the packaged items on the vehicle. If we do it on our own, there are chances that we might not utilize the space in the vehicle efficiently and the vehicle may have to make multiple trips. But, when it is done by professional staff, they will organize the packages in such a way that the whole space will be utilized and in just one trip they all will be moved. This way you can save your money too.

Professional Removalist

Safely moving valuables: You might have some valuable things in your home and any damage to those is really painful for you being the owner. So, you need skillful people for this job. A professional removalist staff can do the work carefully. They have the right knowledge to pack different things in a different way and how they will be secured from any scratches or damages.

Minimum effort and zero stress: Probably the best thing about hiring a professional for this service is they will do all the work for you. They have better communication skills and understanding. They will take all the responsibility once you hire them and you will be stressed less and free from all the tension involved in this process.

Pack, unpack, and clean: With packing, and moving valuables, some companies also unpack the valuables in the new house. Some even clean the old house if you contract with them to do so.

Best time management: A professional removalist staff knows how to complete the work efficiently in time. They will give you an estimated time after understanding the work and they have the capability to complete the whole process within the given time.

Good communication: A good company employs staff who are good in communication skills so that the company could have a better understanding and business with its client. So, you get the service of a professional when you hire them.

Insurance coverage: Some companies serving valuable removals give insurance facilities to their clients. Though the employees are skillful while moving the furniture anything bad can happen. So, the company provides an insurance facility that covers the furniture’s value if they get damaged while the removal service.

So, these are the variety of facilities you get from a professional removalist staff. When you are getting all these facilities with no stress or effort from your side, why don’t take the service for safe moving of your valuables?

It is more in women than in men. Many people have vision problems and are reluctant to wear spectacles. They feel uncomfortable wearing them and often get sad about thinking of compromising their attractive natural look. The only alternative to overcome the situation and have clear vision without spectacles is to wear contact lenses. 

Contact Lenses

Contact lenses have many benefits, and it is time to discuss them in detail. These lenses have been used for almost 100 years, but with technological growth, research and development, you can get the most lightweight lenses in various materials today. You do not have to compromise your beauty wearing modern-day lenses; on the contrary, it can enhance your beauty to a much extent at times. 

How You Can Benefit

Today contact lenses are used for multiple purposes, and technological advancement has made them quite acceptable for various reasons.

• Vision Correction - You do not need to wear heavy spectacles to see properly, compromising your looks. Wearing the lenses allows you to have good vision, and there is no need for resting the spectacle on your nose. Your admirers won’t be able to determine if you are wearing contact lenses to see efficiently unless you tell them.

• Better Maintenance – Unlike glass in spectacles that get smudged over time, the lenses do not smudge or get scratched and do not crack or break or put dark lines over the nose. Of course, the lenses get dry at times, but a few drops of saline can overcome the problems. Today you can get the most lightweight and soft lenses and never feel that you have anything over your pupil.

• Changing The Color of The Eye – With the advancement of technology, you can easily change the colour of your eye using contact lenses. It is impossible with spectacles. Many people love to change the colour of their eyes, and the coloured lenses give them ample opportunity to juggle their eye colours and look attractive. The coloured lenses are so popular that even people with 20/20 vision love to wear them and experiment with their looks.

• Using In Astigmatism- Gone are the days when people with astigmatism only had to wear eyeglasses, and there were no other options to correct the blurred vision. With the introduction of Toric glasses, the problem can be easily overcome, and there is no need to wear ordinary lenses or spectacles. The field of contact lenses is rapidly developing, and many new features are being experimented with or added regularly.   

• Getting Positive Attention - If you wear coloured lenses complementing your natural beauty, you can look more beautiful. Experimenting with changing your natural eye colour while wearing the lenses can draw positive attention. 

• Boosts Self-Confidence – Many people are demoralized when wearing spectacles and feel less confident attending social gatherings or offices. It is seen that people think and stay optimistic if they are wearing lenses. Thus, the lenses can boost self-confidence to a much extent.  

Getting the lenses

It is best to contact an ophthalmologist or an eye doctor for an eye checkup and get prescribed lenses. You should always visit the best eye specialist for an eye checkup. You can order the lenses offline or search for the best online platform for your prescribed lenses. There are many best online and offline stores where you can get the lenses. 

Conclusion

Embrace modern technology to look attractive while having vision problems. Visit an eye specialist or an ophthalmologist in your area and get all details about contact lenses. Wear the lenses in place of spectacles and feel the difference in your confidence without compromising your looks.

A Roadworthy certificate is basically the fitness certificate of your car, and you need to carry this certificate as you are driving your car. As per the road safety laws, you should drive your car which is safe and you must check the fitness of your car at a regular interval to get a roadworthy certificate. Apart from that, you cannot sell your car without this certificate because you have to transfer the name and register your car in the name of the buyer, and you must show this certificate while you transfer the owner’s name. 

Traffic authority can impose a huge fine if you do not carry your roadworthy certificate while you are driving. So, you must apply for this certificate to an authorized centre or workshop, and they will issue a roadworthy for your car after a thorough inspection of the spare parts of your car. They will also give you a digital copy along with a printed certificate, and you can carry anyone while you are driving your car on road.

Why would you need a roadworthy certificate?

• As stated above that you need to apply for a roadworthy certificate and show this certificate when you transfer the car registration to another person. So, if you want to sell your car, then you must have this certificate. However, the certificate will be valid within your state only. In fact, you need to show this certificate even if you sell your car to a buyer located outside your state.
• Without registration, you cannot drive your car because government will collect the taxes during the car registration. After buying a new car, you need to renew your registration of your car every year. If your car is not registered then you need to apply for a roadworthy certificate to register your car.
• It is not only applicable for the cars only, but you need to apply for a roadworthy certificate for your light and heavy vehicle while you transfer the registration to another person.

How would you get a roadworthy certificate?

Most of the people think that going for a roadworthy certificate will be a time-consuming task and it is expensive too. If you find any issue during the inspection then you can fix the same and apply for a roadworthy certificate again. There are some workshops available where you can get a grace period. For example, if you fix the problems of your car within 15 days after the initial inspection then you do not need to pay anything for reapplying for a roadworthy certificate.

You can get this certificate at the first attempt if you inspect your car at your home. Just call a mechanic and check the essential parts of your car. Roadworthy inspectors will check the seatbelts, tyres, mirrors, windscreen, steering, headlights, engine health, battery, wheel bearings, exhaust line, breaks, gear, speedometer, hand break and body of your car.

What are the advantages of having a roadworthy certificate? 

While doing the insurance of your car, you will find insurance companies who cover only cars that have any kind of roadworthy certificate done. It helps them understand that the car is in the best situation. It makes your insurance process absolutely hassle free.

If your car is passed through the road safety guideline then you will get a digital copy of your roadworthy certificate within 45 minutes. In this case, you can fix the problems of your car by an authorized service centre that can provide the roadworthy certificate too. They can inspect the car, fix the issue and generate a certificate for your car.