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Yes they are. But you are charging another 2% on top of this again. In the US, I appreciate there are lots of strange problems with FICOs and so on that prevent people from borrowing -- the US is one of the most regimented countries in the 1st world despite its claims of 'freedom' and being...

Funny how Steve McKnight's Wrap Kit is 'out of print'. I would have thought that any spruiker trying to make a buck would never go out of print with any of their titles, packs, kits, camps, etc -- unless that particular work has been seen as so unethical and so unpopular that he has decided to...

Surely with the plethora of lending products and mortgage originators out there, 100% LVR loans, FHOGs, no docs and lo docs loans, etc, someone who can afford to pay a wrap with a 20% increase on asking price of the house and a 1.5% premium on the mortgage interest rate can find a credit product...