Are you asking yourself “Should I refinance my home loan“? With life constantly on the move so should your home loan. If you have had your exisitng home loan for three years or more, why not look into to see if it is meeting your current situation and whether it is what you need today. Ask yourself, what are your needs right now?

“Is there a more competitive rate”
Discovering a more competitive interest rate is the perfect reason to refinance your home loan. Do the sums first to make sure that fees and charges do not eat into what you will save.

“I want to keep my finger on the pulse”
It is definately worth giving your current home loan the once over. It just might be still working for you in your current circumstances. But if it does not meet your current desires or you are actually paying for features that you are not using or needing, it could be time to look at refinancing your home loan.

“I’m looking at renovating and refinancing”
Do you want to renovate your home but available cash is a problem? You just might be able to get the needed funds by drawing on the equity you have in your home loan through refinancing. Also, by altering your home loan from principle and interest to interest only, you will only pay interest on the loan money that you will be using.

“There have been some major changes to my situation”
The longer you’re here, the more you know how life can throw a curve ball that alters most situations, often very quickly. A baby, marriage, separation, re-marrying, an unexpected rise in remuneration, or you could decide to start your own small business.                   These are ideal times to look over your current home loan and see how refinancing could produce a loan that works with you and not against you.

“Can I consolidate all my debts”
Would you like to save heaps on interest payments?  Why not consolidate, or join, your car loans, credit cards, or personal loans all into your home loan. With a guaranteed lower interest you could save 1,000’s of dollars. Another factor is that it is more convenient as well. Multiple repayments can drag anybody down but how good would it be so that there is only one single, regular loan repayment . A no-brainer really.

Dave Luca has helped many Melbourne home owners who have posed the question:
Can I Refinance My Home Loan? With over 30 years involvement in the banking industry, his empathetic and caring character will find the best solution for you and your family.

Call Dave Luca now on 0438 124 554.

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If you are interested in music, why not try listening to some guitar songs for beginners? Music from a good guitar player can be very inspiring. A good place to start would be to learn some acoustic guitar songs for beginners that contain just a few chords. Try not to play Eric Clapton songs first; try to aim for something simpler, just to get the feel and rhythm of playing the guitar.

Here is a list of a few good artists with very good music that is easy to play. These are a must-try for beginners who want to be able to play a good song right away.

• James Blunt

• Razorlight

• The Feeling

• Van Morrison

• Tracy Chapman

• Scouting for Girls

• Coldplay

• Gabrielle

• Some country music artist

If you want to learn a bit more on the basics, try taking a contemporary guitar course. The course allows you to learn the basic techniques on playing the guitar easily without much struggle. It has a very nice compilation of some guitar songs for beginners and is also recommended for those who are on an intermediate level of guitar playing.

3 Easy Guitar Songs to Learn On the Guitar

Easy Guitar Song 1:
Knocking On Heaven’s Door was written by Bob Dylan and was more recently popularized by non other than Guns N’ Roses. Most standard chord structure is G, D, Am just cycled over and over again. In some versions the Am is followed every other time with a C. It’s not only an easy song to play on the guitar, it’s one of my all time favorites.

Easy Guitar Song 2:
Wild Thing is of course one of the most famous standards of all time and while it’s an oldie, it’s certainly a goodie. The Chords are essentially A, D, E, D over and over again. It’s also one of those songs that by learning, you have inadvertently learned 10 other classic easy guitar songs.

Easy Guitar Song 3:
Finally, House of the Rising Sun is an easy guitar song that everyone should know. The Chords are Am, C, D, F, Am, E, Am. Just repeat over and over again and that’s it. It is a beautiful and haunting song.

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