When you think of a typical Queenslander, apart from the massive stilts and open-plan design, one of the most recognisable qualities is the corrugated iron roof. Since the 1840s when Australia was first developing, corrugated iron has been considered one of the best materials to
Moving to a new country is quite exciting. Prospects of greener pastures in lifestyle, work or just new experiences make it worthwhile. Just because one has moved to a new country, you need not cut all contacts with the mother country. In Australia, financial institutions
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When you think of a typical Queenslander, apart from the massive stilts and open-plan design, one of the most recognisable qualities is the corrugated iron roof.
Since the 1840s when Australia was first developing, corrugated iron has been considered one of the best materials to use for roofing. Because of it’s lightweight, sturdy properties, it is the ideal material to use in terms of easy transportation and construction as well as protection.
Although it is a relatively strong, fire proof and weather-resistant material, if exposed to water (particularly salt) rusting is inevitable. This is why it is extremely important to coat the steel in a layer of paint in order for it to remain protected.
Even today this roofing remains to be one of the most popular choices in materials for a range of reasons. Its flexibility, strength and thin sizing allows for quick repairs, relatively cheap installation and durability with little maintenance.
Apart from the practical side of things, there is also the aesthetics. The typically 3 inch curves rolling into one another create a very symmetrical feel, breaking up the angles of the rest of the house and creating a harmonious contrast.
Since iron is quite a durable material itself, compared to wood it is very easy to prepare for installation. Instead of needing to purchase an expensive sealant, a few layers of paint will generally be enough to prevent any damage.
One aspect of corrugated iron that can pose a genuine issue is the fact that the wavelengths of most sounds are echoed loudly into the tube of the corrugated iron. This means that any noise close to or coming into contact with the roof is going to release a high pitched “ping”. This can be a genuine issue for Queenslanders as falling tree branches and wildlife are a part of our every day lives.
On the other hand, the echo can be the perfect culprit to amplify raindrops into a soothing lullaby and because of the shape of the typically 3 inch tubing and smoothness of the iron, the water runs straight down and off the roof, making cleaning very manageable. Also because it is a very thin material it allows the house to stay cool in the warm summers, making it the ideal choice for a house in Queensland. For roof restoration Brisbane, contact Retro Roof Restoration.
The iron sheets themselves are relatively cheap and can be purchased with a coat of Colorbond or made galvanised to order. They range from around 5 to 45 dollars per sheet depending on the size of the sheet and what coating you have selected.
Compared with other common roofing materials such as clay, slate, concrete, wood, Spanish and asphalt, corrugated iron is often said to be one of the most durable and certainly one of the most cost-effective.
So whether it’s the classic sound of rain on the tin roof, or the practical desires of someone looking for a sturdy home, or anyone who doesn’t want to waste their precious pennies, it is no surprise that corrugated iron is one of the most popular choices in Queensland.
Moving to a new country is quite exciting. Prospects of greener pastures in lifestyle, work or just new experiences make it worthwhile. Just because one has moved to a new country, you need not cut all contacts with the mother country. In Australia, financial institutions understand that a non-resident may still be interested in acquiring a property for investment in real estate or simply for maintaining familial links.
For their reason, they provide Expat home loans. Thanks to these loans, Australian citizens who live overseas continue investing in the country`s property market. The loans enable an applicant to refinance their current mortgage as long as one secures it with an Australian property. If you are looking to take advantage of this financing you should speak to an expert first. The reason for this course of action is so that the entire process can be simple and straightforward. Often, applicants find it difficult to understand lending guidelines.
Fortunately, experts in Australian Expat home loans are available. One should conduct a thorough background check to ascertain that the expert holds a licence from Australian authorities and is legitimate before settling for any particular specialist. Go through the guidelines discussed below in order to decide on the best financial broker or adviser.
Amount of Loan
The amount of credit awarded depends on your financial position. If an applicant has stable employment, an excellent credit history and high income, they can borrow between 90% and 95 % of the property`s buying price. This treatment is applicable to Australian non-residents working overseas, Australians living abroad and married to foreigners, or those currently staying in Australia but wish to relocate overseas later. For one who does not provide enough documents to establish their foreign income, their borrowing is constrained to 80% of the property`s value.
Contrary to popular belief, a non-resident does not pay higher interest rates to acquire the loan. The only instance that the interest rate can be higher is when the non-resident fails to prove their foreign income. However, a number of banks favor residents when it comes to discounts on the loans. This observation does not mean that expats cannot enjoy discounts as other financial institutions also consider them. The key is to locate those who slash interest rates for expats and residents alike. Consultation with an expert who deals specifically with expatriates will help you obtain finance.
How to Prove Income
When the question of interest rates arises, that of determining foreign income arises as well. To show foreign income, one merely needs to provide foreign tax returns and pay slips. Regardless of the language used in these documents, several financial institutions have translators to translate the details contained in them. One needs not worry about the language barrier. It should not be an obstacle to mortgage finance. Some lenders accept a letter from a borrower`s employer for a loan not more than 80 % of the total property value. This route can act as an alternative for one who works in a country where formally written payslips do not exist.
Advantages of Australian Expat Home Loans
The best part about the loans is that they are easily accessible and do not require individual approval by the Australian Government. This source of financing is reliable, trustworthy and does not attract high-interest rates for an expat. One can even get discounts at a number of financial institutions. Since we work via online platforms, you can apply for the loan within the comfort of your own home, by just uploading the necessary documents and providing required information. It is important to have a financial broker who is formally qualified, experienced and licenced in Australia and specialises in Australian Expats since the lending guidelines and application process for expats differs somewhat to that of a resident. You can have the security and peace of mind knowing that the lenders we recommend are blue chip Australian Banks and Lending Institutions.
In summary, an individual can quickly access Australian Expat home loans. The bottom line is to have an experienced and qualified Australian Expat specialist