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	<title>Bad Credit Loans, Bad Credit Home Loans - Bad Credit Finance Australia</title>
	<link>http://www.badcreditfinance.com.au/loans</link>
	<description>Bad Credit Finance Australia - leading provider of    bad credit loans,   bad credit home loans,   bad credit mortgage refinance,   debt consolidation,   loans for people with defaults,  credit impaired loans, non-conforming loans.</description>
	<lastBuildDate>Mon, 30 Jan 2012 09:03:14 +0000</lastBuildDate>
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		<title>Home Loan arrears drop away</title>
		<description><![CDATA[Home Loans that are in arrears by more than 30 days and secured by Australian prime residential mortgage-backed  securities (RMBS) declined to 1.52  per cent last quarter, indicating some improvement in the health of the home loan market.
According to the latest Standard &#38; Poor’s report, bad credit home loan  arrears also fell [...]]]></description>
		<link>http://www.badcreditfinance.com.au/loans/home-loan-arrears-drop-away/</link>
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		<title>Loan application declined? Find out why!</title>
		<description><![CDATA[Many borrowers are baffled when their loan application is declined by a lender. Most lenders will not provide a reason leaving the applicant with no clues as to where to look. If you have found yourself in this situation, there are things that you can do to clarify your situation.
1. Can you afford the loan [...]]]></description>
		<link>http://www.badcreditfinance.com.au/loans/loan-application-declined-find-out-why/</link>
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		<title>Declining interest rates will ease mortgage stress</title>
		<description><![CDATA[There is expectation across the board that interest rates will be coming down a number of times during 2012 &#8211; the first rate cut is expected in February.
As home loan rates begin to ease, overextended borrowers will be able to breathe a sigh of relief. Rates will be reduced not only on home loans but [...]]]></description>
		<link>http://www.badcreditfinance.com.au/loans/declining-interest-rates-will-ease-mortgage-stress/</link>
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		<title>Mortgage arrears are down</title>
		<description><![CDATA[According to Fitch Ratings, mortgage arrears in Australia had declined midway through the year as interest rates on home loans especially fixed rate home loans began to come down.
Figures released to the market yesterday show that mortgage arrears were down to  1.42% of all home loans in September, after being recorded in May this [...]]]></description>
		<link>http://www.badcreditfinance.com.au/loans/mortgage-arrears-are-down/</link>
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		<title>Non Bank Lenders pass on full cash rate drop to home loans</title>
		<description><![CDATA[Non-banks have jumped on the rate cutting wagon after most big banks and other lenders had reduced their variable loan rates by 25 basis points.
Banks caved to pressure from the consumers and the Treasury last week when they finally announced their decision to pass on the  Reserve Bank&#8217;s 25bp cut. Non-bank lenders have also [...]]]></description>
		<link>http://www.badcreditfinance.com.au/loans/non-bank-lenders-pass-on-full-cash-rate-drop-to-home-loans/</link>
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		<title>S&amp;P downgrade of big four may affect interest rates</title>
		<description><![CDATA[THE big four Australian banks have had  their credit rating downgraded by Standard and Poors. This is likely  to dramatically  reduce the chances of any rate cut announced by the RBA next week, being passed on in full to the consumers.

Standard &#38; Poor&#8217;s, the world&#8217;s biggest ratings agency, has  changed its ratings [...]]]></description>
		<link>http://www.badcreditfinance.com.au/loans/sp-downgrade-of-big-four-may-affect-interest-rates/</link>
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		<title>Home loan arrears show more stability</title>
		<description><![CDATA[Australian Home Loan arrears that are greater-than-30 days  remained  stable at 1.69 per cent in July 2011.
According to a report published by Standard &#38; Poor&#8217;s Ratings  Services, non conforming home loan arrears including bad credit home loan arrears increased by 52 basis points to 12.18  per cent, with $1.63 billion in subprime [...]]]></description>
		<link>http://www.badcreditfinance.com.au/loans/home-loan-arrears-show-more-stability/</link>
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		<title>Debt Consolidation Solutions</title>
		<description><![CDATA[Debt Consolidation options for borrowers with impaired credit history can appear to be limited. Certainly any application made to a bank for a personal loan to consolidate debts would be declined. Unsecured personal loans generally require borrowers to have a clean credit history as do credit card applications.
Borrowers with a history of bad credit but [...]]]></description>
		<link>http://www.badcreditfinance.com.au/loans/debt-consolidation-solutions/</link>
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		<title>Mortgage Arrears come down</title>
		<description><![CDATA[Mortgage arrears levels continue to show improvement as people are paying down their debts and limiting their spending.
According to the latest arrears report from Standard &#38; Poor’s,  home loans underlying Australian prime residential mortgage-backed securities  (RMBS) that are greater than 30 days in arrears fell to 1.69 per cent  in June 2011 [...]]]></description>
		<link>http://www.badcreditfinance.com.au/loans/mortgage-arrears-come-down/</link>
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		<title>Business Bankruptcies on the increase</title>
		<description><![CDATA[Statistics gathered by ASIC seem to suggest that 2011 has not been a good year for Australian businesses with more businesses going bust than seen over the past 3-4 years.
Many business bankruptcies were caused by excessive and out of control bad debts.  There has been a significant surge in the number of  Australian companies [...]]]></description>
		<link>http://www.badcreditfinance.com.au/loans/business-bankruptcies-on-the-increase/</link>
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