Hi, my name's Carolyn and I'm a mortgage broker, my job is to find a home loan for you and to give you advice and help in doing all the paperwork.

Listen to my advice on: Getting a home loan, the first home owners grant, how much you can borrow, where to go to find a house, what other people do I need to see, as well as, how long does it take to get a loan.

Answer the questions to check your understanding of 'Buying a home loan from a broker', there are 9 questions for you to answer regarding our story, and there is one correct answer.

If you need further advice you may contact me by going to my website: http://www.mortgagechoice.com.au/carolyn.sutherland

1. How much money is the First Home Owners Grant? NB: May change if the government increases anything

a) $5,000
b) $10,000
c) $7,000

2. What is the website to get information on the grant?

a) www.osr.qld.gov.au
b) www.firsthomeownersgrant.com.au
c) www.msit.tafe.qld.gov.au

3. Who is the ‘middle man’ you arrange to Buy a house through?

a) The mayor
b) A real estate agent
c) A solicitor

4. By what means do you confirm the amount of money to pay for the house?

a) sign a contract
b) verbally tell the owner
c) tell your friend

5. Up to what purchase price does the government exemptions apply on stamp duty? NB: May change if the government increases anything.

a) 80% of the purchase price
b) the lot
c) up to $250,000

6. Who listed here do you NOT go to, to apply for a Home Loan?

a) Mortgage Broker
b) Bank, Building Society or Credit Union
c) Insurance company

7. How long should you save your deposit to get the best available home loan?

a) 12 months
b) 3 - 6 months
c) 2 weeks

8. Where would you NOT go to find which houses are for sale at the moment?

a) the Real Estate section of the newspaper
b) a Real Estate web site
c) the shopping centre

9. How often do you give your money to the Lender to repay the loan?

a) Each pay day
b) Once a year
c) whenever I feel like it

Hi, my name's Carolyn and I'm a mortgage broker, my job is to find a home loan for you and to give you advice and help in doing all the paperwork.

Listen to my advice on: Getting a home loan, the first home owners grant, how much you can borrow, where to go to find a house, what other people do I need to see, as well as, how long does it take to get a loan.

Answer the questions to check your understanding of 'Buying a home loan from a broker', there are 9 questions for you to answer regarding our story, and there is one correct answer.

If you need further advice you may contact me by going to my website: http://www.mortgagechoice.com.au/carolyn.sutherland

1. How much money is the First Home Owners Grant? NB: May change if the government increases anything

a) $5,000
b) $10,000
c) $7,000

2. What is the website to get information on the grant?

a) www.osr.qld.gov.au
b) www.firsthomeownersgrant.com.au
c) www.msit.tafe.qld.gov.au

3. Who is the ‘middle man’ you arrange to Buy a house through?

a) The mayor
b) A real estate agent
c) A solicitor

4. By what means do you confirm the amount of money to pay for the house?

a) sign a contract
b) verbally tell the owner
c) tell your friend

5. Up to what purchase price does the government exemptions apply on stamp duty? NB: May change if the government increases anything.

a) 80% of the purchase price
b) the lot
c) up to $250,000

6. Who listed here do you NOT go to, to apply for a Home Loan?

a) Mortgage Broker
b) Bank, Building Society or Credit Union
c) Insurance company

7. How long should you save your deposit to get the best available home loan?

a) 12 months
b) 3 - 6 months
c) 2 weeks

8. Where would you NOT go to find which houses are for sale at the moment?

a) the Real Estate section of the newspaper
b) a Real Estate web site
c) the shopping centre

9. How often do you give your money to the Lender to repay the loan?

a) Each pay day
b) Once a year
c) whenever I feel like it

Click on the 'Our ESL Students' link http://litesl.blogspot.com/ and go to 'Our Students'. Listen to the students oral presentations, read what they have written about themselves, where they are from, their thoughts and poems shared. If you wish, leave your comment and thoughts.

I would like to welcome you to 'Our ESL Students' podcast. Hopefully we will be able to post many podcasts for ESL students who are studying English at an intermediate and upper intermediate level.

I hope you enjoy listening to the podcasts and answering questions when provided . I also look forward to your comments and suggestions.

Happy podcasting!
Karen