text: Everyone faces stress one time or another. It confronts us at our jobs, follows us into our personal lives and strikes us in unseen circumstances. And, with today’s challenging economy, more people are experiencing stress. If not handled properly, stressful situations can lead to unhealthy choices, like sleeplessness and poor food choices. More serious cases could even lead to chronic stress and clinical depression.
  During Stress Awareness Month this April, health care professionals and health promotion experts, like Symmetry, use educational materials and informative events to increase public awareness about the causes and ways to alleviate stress. According to the American Institute of Stress, stress is America’s number one health problem. Heart rate and blood pressure soar, blood sugar rises and clotting occurs more quickly under stress. Repeatedly invoked, these signs could contribute to hypertension, strokes, heart attacks, diabetes, ulcers, neck or low back pain and other diseases.
  “If you don’t respond to stress wisely, and let it continue to affect your day-to-day activities and lifestyle, then it could turn into a rollercoaster of unhealthy decisions,” said Rudy Revak, president and chief executive officer for Symmetry Corporation.
  Work It Out! Take frequent trips to the gym to release stress. Or, try going to a martial arts or kickboxing class to let out the frustration. This not only alleviates the stress, it helps you stay fit.
  Just Â¦Relax. Treat yourself to a walk in the park or make an appointment at the spa for a massage. Another option might be to treat yourself to something you enjoy, such as reading a book, playing with your grandchildren, or painting. Sometimes all you need is some “me” time. This helps your overall well-being.
  Take Your Vitamins. Stress can manifest from a deficiency of important nutrients like vitamin A, B, C and E. Therefore, eat a good portion of fruits and vegetables and consider incorporating vitamin supplements into your diet.
  I decided to buy this from Amazon. It's $15 more, but I'd rather pay more than wait until October for it to ship...
  As a Sydney mortgage broker, we cover all of the major banks, second tier banks and most of the non-bank lenders.
  Thus, rather than simply restrict your choices, you can access and select the right offer for you from a multitude of possible choices without you having to do all the time consuming legwork.
  Why potentially leave thousands, maybe tens of thousands of dollars on the table. Most every day Australians are not home loan experts and often mentally wrestle on where to start and often just give up and just stay with their regular bank, because it all becomes too hard.
  That’s where we as home loan brokers will help by saving you the time and effort of doing the research, organising the what’s required and applying for your home loan, all at no cost to you.
  If you’re looking to find the best home loan brokers Sydney has to offer, we can show you how to get a home loan deal that won’t leave you going to bed wondering whether or not you’ve shaken all of the best apples off the tree.
  Having been established in the lending business for over 18 years as mortgage brokers we strive to look after our customers needs as if they were our own.
  Whether you’re a first home buyer, property upgrader, refinancing for a better rate, debt consolidating, property investor or looking for a SMSF loan our philosophy is to deliver true value service and relevant information.
  Having said that we’re happy to divulge to you what commissions we’re receiving. Our business motto is to put your interests first and ours second. These days we are obliged by strict rules to let you know just what commissions we will be obtaining and from whom.
  Effectively grasping the majority of the relevant requirements for a home loan and the facts that are needed to intelligently analyze the hundreds of loans available in today’s market can at times be all too difficult.
  This is where a seasoned financial broker can not only save your valuable time, but they also know where to drill down to get the best deal.
  Additionally, a good loan broker will take the time to find out what your true needs and desires are.
  They then have the electronic software capability to find a home loan that matches those needs and desires .
  First off, there are lots of different sorts of home loans on the market, and every single one of these has several different specifics and technicalities which can be fairly challenging unless you’re in the mortgage business.
  As professional home loan brokers in Sydney we will efficiently search through all the myriad of information and facts, narrow the selections down to a short list and carefully explain the different types of deals.
  As soon as the initial information and facts on the relevant available loans are sorted, it is then a matter of filtering the material down until such time as you get to the option you like.
  Therefore, having a street smart financial broker working for you can be crucial to condensing as well as translating into plain English for you the legal aspects belonging to any mortgage lenders offer.
  The best home loan brokers have access to a large selection of lenders, which allows the consumer to pick out a
  When essential, your allocated mortgage broker will connect with Conveyancers as well as Real Estate Agents to help expedite bank loan applications if there is a property purchase involved.
  To begin with we identify everything you will need upfront in the way of requirements for a home loan in order to facilitate the loan application process.
  This important step ensures that the chosen mortgage lender will be able to accelerate the mortgage loan approval process.
  Following that, you will experience a non-problematic transaction simply because as experienced mortgage brokers we are able to control the application process from the start to all the way through to settlement.
  This allows you to get on with other important aspects of your life without having to constantly look over your shoulder.
  Mortgage lenders have definitely come to be much more dependent on finance brokers to not only deliver them more business these days, but they also rely on them to facilitate other aspects of the home loan process such as dealing with solicitors and real-estate agents when they are involved
  Based on our experience and street savvy we instinctively know when to act as a go-between regarding the numerous entities involved in the purchase process.
  Every day during the property transaction procedure there are many interactions that happen among all of the groups or individuals involved for which the loan applicants aren’t necessarily tuned in to.
  A number of these chats are about the way the lender may need additional information to move forward or possibly how a title offered to them by way of the vendors conveyancer may have particular details that perplexes them.
  We as a matter of course will take care of all of these factors as your loan broker in order to not stress you with each and every small detail.
  There’s a lot of responsibilities a first time home buyer, home up-grader or home loan refinancier undertakes, and never having to cope with every single issue that might surface within the loan application process can be a bonus.
  Even more importantly, on your behalf we do what it takes to get the deal done, even it means working outside of “bankers hours”.
  Even though our expert professional service does away with the necessity of your involvement for every single little modest issue that occurs during the mortgage loan process, you’ll still have fast and easy direct access for virtually any questions or possible issues you may have, if and should they occur.
  As can happen in any industry, in some isolated instances mortgage brokers have genuinely come under scrutiny lately, and with justification.
  There have been a handful of Australian mortgage brokers whose dealings happen to have been less than ethical at best, not to mention somewhat prohibitive at worst.
  With that said, the Australian Securities and investment Commission (ASIC) have not too long ago taken over the authority of the home mortgage industry, including both financial institutions and financial brokers.
  This approach presently calls for a mortgage broker to become licensed, or function as an Authorised Credit Representative under an acceptable license holder.
  While maintaining acceptable educational criteria on an ongoing basis, the new regulations also calls for mortgage advisors to operate their businesses according to rigorous ethical guidelines.
  It doesn’t take Einstein to figure out that when you go directly to mortgage lenders they’ll tell you everything they want you to know about their products.
  Even if you stay at home and phone around, are they really going to tell you what their best rate is?
  On the other hand a professional broker who has their finger on the pulse of the market already knows what tolerances each lender has when it comes to interest rate discounts.
  Unquestionably, with our long term experience and street smarts we can negotiate the final interest rate since we work with a considerable amount of mortgage applications at any one point in time.
  As independent mortgage brokers we can vigorously negotiate the interest rates on your behalf and also with our industry knowledge can direct you to those mortgage lenders that will be very likely to supply you with the larger special discounts.
  Typically the best brokers in most cases make use of a mutual working relationship with lots of lending institutions and possess accessibility to the overall decision makers themselves.
  Also they will work through your papers and offer the details available in an effectual style that can immediately enhance the probability of approval.
  Your allocated broker will provide you with instant access to an abundance of electronic data on relevant home loan information through the latest software programs, keeping you totally in touch with market developments.
  The loan broker you use will be alert to ensure that you understand the different details of loan agreements and financing documents proffered by banking institutions.
  To sum it up, making a relationship with a skilled financial broker in financial terms can be described as an intelligent approach in relation to money and generating sensible choices.
  They won’t call for a payment of their services so in the quick paced financial climate that is prevalent these days it really is good business sense to choose a Sydney mortgage broker from Master Mortgage Broker Sydney who will treat you and your mortgage application at the highest professional level.