Borrow

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When considering a personal loan in Australia, one of the first decisions you'll face is whether to opt for a secured or an unsecured loan. Each type has distinct advantages and drawbacks, and the right choice depends on your specific financial situation and borrowing needs. This article breaks down the differences between secured and unsecured personal loans, helping you decide which is more appropriate for your circumstances.

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What is a secured personal loan?

A secured personal loan is backed by collateral, such as a car, property, or other valuable assets. The lender holds the right to seize the asset if the borrower fails to repay the loan according to the agreed terms. Because these loans are less risky for lenders, they often come with lower interest rates, higher borrowing limits, and longer repayment terms.

Benefits of secured loans

- Lower interest rates: The presence of collateral reduces the risk for lenders, typically resulting in lower interest rates compared to unsecured loans.
- Higher loan amounts: Secured loans often allow you to borrow more money, as the loan amount usually depends on the value of the collateral.
- Longer repayment periods: Lenders are generally more flexible with loan terms, offering longer periods to spread out repayments, which can make monthly installments more manageable.

What is an unsecured personal loan?

Unsecured personal loans do not require any collateral. They are given based on the borrower’s creditworthiness and typically come with stricter eligibility requirements. These loans are riskier for lenders and generally feature higher interest rates and smaller loan amounts than secured loans.

Benefits of unsecured loans

- No collateral required: Borrowers don’t risk losing a valuable asset if they default on the loan.
- Simpler application process: Without the need to evaluate collateral, the loan approval process can be quicker and less complicated.
- Flexible for various uses: Unsecured loans can be used for a variety of purposes, from consolidating debt to funding a holiday.

Choosing between secured and unsecured loans

Consider your financial stability: If you have stable finances and are comfortable with pledging an asset, a secured loan might be a good choice due to the lower interest rates and larger loan amounts. However, if you prefer not to risk an asset or don’t own any significant assets, an unsecured loan might be the better option.

Assess your borrowing needs: For larger amounts, perhaps for major home renovations or buying a high-value asset, a secured loan is usually more appropriate. For smaller, short-term financial needs or expenses like travel or minor home improvements, an unsecured loan might suffice.

Evaluate interest rates and terms: Compare the interest rates and terms offered by different lenders for both secured and unsecured loans. Factor in the total cost of borrowing, including any fees and charges, to see which option is more cost-effective over the long term.

Risks and considerations

- Risk to assets: With secured loans, failing to make repayments could result in the loss of your collateral.
- Credit impact: Defaulting on either type of loan can negatively impact your credit score, affecting your ability to borrow in the future.
- Financial overstretch: Borrow only what you need and can afford to repay to avoid financial strain.

Conclusion

Whether a secured or unsecured personal loan is right for you largely depends on your financial situation, your needs, and your comfort level with risking collateral. It is crucial to carefully consider your options and make an informed decision based on a thorough assessment of your circumstances and the loan terms available.

---

By understanding the nuances between secured and unsecured personal loans, you can better navigate the lending environment in Australia and choose a loan that aligns with your financial goals and capabilities.

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From financing a credit card debt to deciding on a home loan, Nest Egg’s got your back! " ["page_description"]=> string(7) "nestegg" ["page_rights"]=> NULL ["robots"]=> NULL ["check_access_rights"]=> int(0) ["access-view"]=> bool(true) } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["displayDate"]=> string(19) "2024-05-30 23:00:54" ["slug"]=> string(64) "18589:secured-vs-unsecured-personal-loans-which-is-right-for-you" ["event"]=> object(stdClass)#8689 (3) { ["afterDisplayTitle"]=> string(0) "" ["beforeDisplayContent"]=> string(132) "

• Yes

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When considering a personal loan in Australia, one of the first decisions you'll face is whether to opt for a secured or an unsecured loan. Each type has distinct advantages and drawbacks, and the right choice depends on your specific financial situation and borrowing needs. This article breaks down the differences between secured and unsecured personal loans, helping you decide which is more appropriate for your circumstances.

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Recent economic data and central bank communications have dampened the market's appetite for risk assets, leading to a stronger US dollar and a pullback in commodities and equities, according to Ipek Ozkardeskaya, Senior Analyst at Swissquote Bank.

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The week began with the release of the Federal Open Market Committee (FOMC) minutes, which revealed that many Fed members questioned whether keeping rates "high for longer" would be sufficiently restrictive to tame inflation, suggesting that further rate hikes might be necessary.

In the UK, Prime Minister Sunak announced a general election for early July, earlier than expected, diminishing hopes for a Bank of England (BoE) rate cut in June. Additionally, hotter-than-expected British CPI data further reduced the likelihood of policy easing in the near term.

In the euro area, data showed that wage growth increased 4.7% in Q1, raising concerns among officials who had been relying on a slowdown to keep inflation under control.

Finally, stronger-than-expected US economic data, including accelerating services and manufacturing PMIs and soft jobless claims, dealt a final blow to market bulls.

"If the reflation trade loses momentum due to a hawkish shift in major central bank expectations, we shall see a period of pullback and profit taking in risk assets, and a further dollar appreciation against major counterparts," Ozkardeskaya said.

US crude oil prices extended losses below the 100-day moving average, while copper futures and gold prices also declined significantly. The US dollar index strengthened past the 50-day moving average, and major currency pairs such as EURUSD, GBPUSD, and AUDUSD faced downward pressure.

Amid the market turmoil, Nvidia remained a bright spot, jumping more than 9% after beating revenue expectations and providing a strong forecast. Ozkardeskaya believes that the company's positive outlook and the growing demand for AI suggest that the $1000 per share level could become a new support for investors looking to capitalize on the stock's bullish momentum.

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Recent economic data and central bank communications have dampened the market's appetite for risk assets, leading to a stronger US dollar and a pullback in commodities and equities, according to Ipek Ozkardeskaya, Senior Analyst at Swissquote Bank.

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European and UK stocks are outperforming their US counterparts due to a combination of factors, including high valuations in the US, strong corporate earnings from European companies, and expectations of looser monetary policies in Europe and the UK, according to Ipek Ozkardeskaya, Senior Analyst at Swissquote Bank.

" ["fulltext"]=> string(2176) "

The Stoxx 600 and the FTSE 100 reached new record highs yesterday, while the S&P 500 stalled. The AI rally, which has been driving major US indices, appears to be losing momentum, with companies like Nvidia and AMD experiencing declines from their March peaks.

The US Federal Reserve (Fed) remains committed to its inflation target, with recent comments from Fed speakers Susan Collins and Lisa Cook suggesting that reaching the 2% goal may take longer than previously anticipated. Cook also noted that firms have ample earnings to cover debt payments and that financial firms are well-positioned to absorb shocks.

In contrast, central banks in Europe are taking a different approach. The Swiss National Bank (SNB) lowered its policy rate in Q1 due to a sufficient slowdown in inflation, and the Riksbank opted for a 25bp cut yesterday, signaling the possibility of two more rate cuts this year. The European Central Bank (ECB) is expected to cut rates in June, and the Bank of England (BoE) may provide more details on its plans to lower rates at today's Monetary Policy Committee (MPC) meeting.

European policymakers are determined to ease their monetary policies regardless of the Fed's actions, despite the risk of currency depreciation and increased domestic price pressures. As long as the dollar's appreciation remains manageable, the European currencies may continue to depreciate against the US dollar.

The BoE is not expected to cut its policy rate today, but the MPC is anticipated to have less agreement on the timing of future rate cuts. Four out of nine MPC members are considered hawkish, while Governor Bailey has shifted his stance from "it's too early to talk about cuts" to "the inflation dynamics between the US and UK are diverging." Some analysts see a small chance of a BoE rate cut in June, alongside the ECB, but a more realistic scenario is an August cut.

The British Pound (GBP) is currently trading in a bearish consolidation zone, and unless unexpectedly hawkish statements are made, it is likely to continue attracting sellers near the 1.25 level leading up to next week's US inflation report.

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European and UK stocks are outperforming their US counterparts due to a combination of factors, including high valuations in the US, strong corporate earnings from European companies, and expectations of looser monetary policies in Europe and the UK, according to Ipek Ozkardeskaya, Senior Analyst at Swissquote Bank.

Write comment (0 Comments) " ["jcfields"]=> array(9) { [1]=> object(stdClass)#8832 (33) { ["id"]=> int(1) ["title"]=> string(17) "Automatic tagging" ["name"]=> string(17) "automatic-tagging" ["checked_out"]=> NULL ["checked_out_time"]=> NULL ["note"]=> string(0) "" ["state"]=> int(1) ["access"]=> int(1) ["created_time"]=> string(19) "2018-08-29 05:26:30" ["created_user_id"]=> int(2355) ["ordering"]=> int(-1) ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#8351 (3) { ["data":protected]=> object(stdClass)#8167 (1) { ["options"]=> object(stdClass)#8169 (2) { ["options0"]=> object(stdClass)#8170 (2) { ["name"]=> string(3) "Yes" ["value"]=> string(1) "1" } ["options1"]=> object(stdClass)#8168 (2) { ["name"]=> string(2) "No" ["value"]=> string(1) "0" } } } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#8350 (3) { ["data":protected]=> object(stdClass)#8165 (6) { ["hint"]=> string(0) 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The Bank of England, European Central Bank (ECB), and US Federal Reserve are set to take different paths in their monetary policies, which will significantly impact investors around the world, according to Nigel Green, CEO of deVere Group, one of the world's largest independent financial advisory and asset management organizations.

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The Bank of England is expected to maintain interest rates at 5.25% in its upcoming decision on Thursday, while the ECB is widely anticipated to cut rates next month. In contrast, the US Federal Reserve has pushed back expectations for rate cuts to September at the earliest due to persistent inflation.

"Clearly, this divergence of three major central banks impacts investors around the world, and many will be preparing to adjust their portfolio mix accordingly to seize the opportunities when they're presented," Mr Green said.

The divergence in central bank policies is likely to have a significant impact on currencies. If the Bank of England maintains its interest rates, the British Pound (GBP) could see stability and appreciation against other major currencies, while the anticipated rate cut by the ECB is expected to weaken the Euro (EUR) against its counterparts.

Meanwhile, the US Dollar (USD) is strengthening against its peers due to the Fed's firm stance on delaying rate cuts until at least September.

Central bank divergence also presents opportunities in equity markets across the UK, EU, and US, with sectors such as tech, healthcare, and consumer discretionary potentially thriving in an environment of stable interest rates and improving economic conditions in the UK.

In the Eurozone, the anticipated rate cut by the ECB could stimulate equity markets, particularly in sectors sensitive to interest rate changes, while in the United States, sectors resilient to inflationary pressures, such as tech, financials, and healthcare, may outperform.

Bond markets in all three regions are also likely to be influenced by central bank divergence, with the ECB's anticipated rate cut potentially driving bond prices higher across the Eurozone, while the Fed's firm stance on delaying rate cuts may lead to higher yields on US Treasuries.

Mr Green urged investors to adopt a nuanced approach to asset allocation and risk management in response to central bank divergence.

"With three major banks likely diverging on monetary policy, those who are serious about safeguarding and growing their wealth should be paying close attention," he concluded.

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The Bank of England, European Central Bank (ECB), and US Federal Reserve are set to take different paths in their monetary policies, which will significantly impact investors around the world, according to Nigel Green, CEO of deVere Group, one of the world's largest independent financial advisory and asset management organizations.

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Interest-only home loans have become a topic of considerable interest among Australian borrowers, offering a unique approach to home financing. This type of loan allows borrowers to pay only the interest on the mortgage for a set period, typically up to five years, before reverting to a standard principal and interest loan. While interest-only loans can offer flexibility and potential benefits, they also come with specific risks that need careful consideration. This article delves into the advantages and disadvantages of interest-only home loans, helping Australian borrowers make informed decisions.

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Pros of interest-only home loans

1. Lower initial payments: The most significant advantage is the lower monthly payments during the interest-only period. This can be particularly beneficial for first-time homebuyers or investors looking to minimize their initial outgoings.
2. Cash flow management: By reducing initial payments, borrowers can manage their cash flow more effectively, allocating funds to other investments, renovations, or personal expenditures.
3. Tax benefits for investors: For property investors, the interest component of the loan can often be tax-deductible. This feature makes interest-only loans an attractive option for investment properties, potentially enhancing the property’s profitability.
4. Flexibility: Interest-only loans provide financial flexibility, allowing borrowers to choose how and when they pay off the principal amount, within the constraints of the loan agreement.

Cons of interest-only home loans

1. Higher overall cost: Over the life of the loan, an interest-only mortgage can be more expensive than a principal and interest loan. Once the interest-only period ends, the monthly repayments increase significantly, as the borrower begins to pay off the principal on top of the interest.
2. Equity build-up delay: With interest-only payments, borrowers do not build equity in their property during the initial period, unless the property's value increases. This can be a significant disadvantage if the market stagnates or declines.
3. Reversion to higher repayments: When the interest-only period concludes, the transition to higher repayments can be financially challenging for some borrowers, particularly if their financial situation has not improved as anticipated.
4. Market risks: Borrowers relying on property appreciation to build equity might find themselves at risk if the housing market faces a downturn. This situation could lead to negative equity, where the loan balance exceeds the property's value.

Choosing an interest-only home loan

When considering an interest-only home loan, it's crucial to evaluate your financial goals, investment strategy, and ability to manage the loan's potential risks. Here are some considerations:

• Financial stability: Ensure you have a plan to cope with the increased repayments after the interest-only period.
• Investment strategy: Understand how the loan fits into your broader investment strategy, particularly if you're purchasing property as an investment.
• Future plans: Consider your future income potential and any changes in circumstances that could impact your ability to meet higher repayments.

Conclusion

Interest-only home loans can offer significant benefits under the right circumstances, providing flexibility and lower initial repayments for Australian borrowers. However, the potential risks, including higher overall costs and the challenge of managing increased repayments, require careful consideration. By thoroughly understanding both the pros and cons, borrowers can make informed decisions that align with their financial strategies and long-term goals.

---

Interest-only home loans present a nuanced option for financing a home in Australia, balancing immediate financial relief with future financial responsibilities. As with any financial decision, a strategic approach and careful planning are essential to leveraging the benefits while mitigating the risks associated with these types of mortgages.

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Interest-only home loans have become a topic of considerable interest among Australian borrowers, offering a unique approach to home financing. This type of loan allows borrowers to pay only the interest on the mortgage for a set period, typically up to five years, before reverting to a standard principal and interest loan. While interest-only loans can offer flexibility and potential benefits, they also come with specific risks that need careful consideration. This article delves into the advantages and disadvantages of interest-only home loans, helping Australian borrowers make informed decisions.

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Navigating the property market can be daunting, especially when timing issues arise between selling your current home and purchasing a new one. Bridging loans offers a solution, providing the financial flexibility needed during this transitional period. This article explores bridging loans in Australia, offering clarity on when and how to use them effectively for your property transactions.

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What are bridging loans?

Bridging loans are short-term financing options designed to "bridge" the gap between the sale of your current property and the purchase of a new one. They enable homeowners to secure a new property before selling their existing home, ensuring that they don't miss out on their ideal home due to timing mismatches.

When to use a bridging loan

Bridging loans is ideal in several scenarios, particularly when:

• Buying before selling: You've found your dream home but haven't sold your current property yet.
• Property chain issues: You're part of a property chain, and delays from other transactions are affecting your purchase.
• Fast settlements required: You need to settle on a new property quickly, perhaps due to relocation or a property auction purchase.

Understanding the types of bridging loans

There are two primary types of bridging loans:

• Closed bridging loans: These have a fixed repayment date, usually when you have a buyer for your current property and know when the sale will complete.
• Open bridging loans: More flexible, open bridging loans don't have a fixed repayment date, suitable when you're yet to sell your existing property or finalise sale dates.

How to secure a bridging loan in Australia

Securing a bridging loan involves several steps:

• Assess your financial position: Ensure you have enough equity in your current property to cover the bridging loan.
• Choose the right lender: Research lenders who offer bridging loans and compare their terms, interest rates, and fees.
• Provide detailed information: Lenders will require information about your current property, the property you wish to purchase, and your plans for selling your existing home.
• Understand the terms: Familiarise yourself with the loan's terms, including the loan period, interest rates, and repayment structure.

Tips for using bridging loans effectively

To make the most of a bridging loan, consider the following tips:

• Budget carefully: Factor in all costs, including loan repayments, interest, and potential delays in selling your current property.
• Have a contingency Plan: Plan for scenarios where your property doesn't sell as quickly as anticipated.
• Consult professionals: Seek advice from financial advisors and mortgage brokers who can provide insights tailored to your situation.

Risks and considerations

While bridging loans offer flexibility, they also come with risks:

• Higher interest rates: Bridging loans typically have higher interest rates than traditional mortgages.
• Financial strain: If your current home doesn't sell within the loan period, you may face financial strain.

Conclusion

Bridging loans can be a valuable tool in your property purchasing arsenal, offering the flexibility to move swiftly in the competitive Australian property market. Understanding when and how to use them, alongside careful planning and professional advice, can ensure you navigate your next property purchase smoothly. By demystifying bridging loans and employing strategic tips, you're well on your way to securing your new home with confidence.

---

This guide aims to shed light on the intricacies of bridging loans in Australia, providing valuable insights for homeowners navigating the transition between properties. With the right approach and understanding, bridging loans can offer a strategic advantage in the fast-paced property market, ensuring seamless transitions and successful purchases.

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• Yes

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Navigating the property market can be daunting, especially when timing issues arise between selling your current home and purchasing a new one. Bridging loans offers a solution, providing the financial flexibility needed during this transitional period. This article explores bridging loans in Australia, offering clarity on when and how to use them effectively for your property transactions.

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"url" ["default_value"]=> string(0) "" ["context"]=> string(19) "com_content.article" ["group_id"]=> int(3) ["label"]=> string(17) "First article URL" ["description"]=> string(0) "" ["required"]=> int(0) ["only_use_in_subform"]=> int(0) ["language_title"]=> NULL ["language_image"]=> NULL ["editor"]=> NULL ["access_level"]=> string(6) "Public" ["author_name"]=> string(18) "Jeremiah Sebastian" ["group_title"]=> string(16) "Related Articles" ["group_access"]=> int(1) ["group_state"]=> int(1) ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } [8]=> object(stdClass)#8889 (33) { ["id"]=> int(8) ["title"]=> string(18) "Second article URL" ["name"]=> string(18) "second-article-url" ["checked_out"]=> NULL ["checked_out_time"]=> NULL ["note"]=> string(0) "" ["state"]=> int(1) ["access"]=> int(1) ["created_time"]=> string(19) "2020-07-08 05:42:04" ["created_user_id"]=> int(2351) ["ordering"]=> int(0) ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#8728 (3) { ["data":protected]=> object(stdClass)#8773 (1) { ["relative"]=> string(0) "" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#8713 (3) { ["data":protected]=> object(stdClass)#8752 (10) { ["hint"]=> string(0) "" ["class"]=> string(0) "" ["label_class"]=> string(0) "" ["show_on"]=> string(1) "2" ["render_class"]=> string(0) "" ["showlabel"]=> string(1) "1" ["label_render_class"]=> string(0) "" ["display"]=> string(1) "2" ["layout"]=> string(0) "" ["display_readonly"]=> string(1) "2" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["type"]=> string(3) "url" ["default_value"]=> string(0) "" ["context"]=> string(19) "com_content.article" ["group_id"]=> int(3) ["label"]=> string(18) "Second article URL" ["description"]=> string(0) "" ["required"]=> int(0) ["only_use_in_subform"]=> int(0) ["language_title"]=> NULL ["language_image"]=> NULL ["editor"]=> NULL ["access_level"]=> string(6) "Public" ["author_name"]=> string(18) "Jeremiah Sebastian" ["group_title"]=> string(16) "Related Articles" ["group_access"]=> int(1) ["group_state"]=> int(1) ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } [9]=> object(stdClass)#8888 (33) { ["id"]=> int(9) ["title"]=> string(17) "Third article URL" ["name"]=> string(17) "third-article-url" ["checked_out"]=> NULL ["checked_out_time"]=> NULL ["note"]=> string(0) "" ["state"]=> int(1) ["access"]=> int(1) ["created_time"]=> string(19) "2020-07-08 05:42:42" ["created_user_id"]=> int(2351) ["ordering"]=> int(0) ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#8774 (3) { ["data":protected]=> object(stdClass)#8744 (1) { ["relative"]=> string(0) "" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#8741 (3) { ["data":protected]=> object(stdClass)#8772 (10) { ["hint"]=> string(0) "" ["class"]=> string(0) "" ["label_class"]=> string(0) "" ["show_on"]=> string(1) "2" ["render_class"]=> string(0) "" ["showlabel"]=> string(1) "1" ["label_render_class"]=> string(0) "" ["display"]=> string(1) "2" ["layout"]=> string(0) "" ["display_readonly"]=> string(1) "2" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["type"]=> string(3) "url" ["default_value"]=> string(0) "" ["context"]=> string(19) "com_content.article" ["group_id"]=> int(3) ["label"]=> string(17) "Third article URL" ["description"]=> string(0) "" ["required"]=> int(0) ["only_use_in_subform"]=> int(0) ["language_title"]=> NULL ["language_image"]=> NULL ["editor"]=> NULL ["access_level"]=> string(6) "Public" ["author_name"]=> string(18) "Jeremiah Sebastian" ["group_title"]=> string(16) "Related Articles" ["group_access"]=> int(1) ["group_state"]=> int(1) ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } [4]=> object(stdClass)#8886 (33) { ["id"]=> int(4) ["title"]=> string(9) "Video URL" ["name"]=> string(9) "video-url" ["checked_out"]=> NULL ["checked_out_time"]=> NULL ["note"]=> string(0) "" ["state"]=> int(1) ["access"]=> int(1) ["created_time"]=> string(19) "2020-06-19 05:54:21" ["created_user_id"]=> int(2351) ["ordering"]=> int(1) ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#8762 (3) { ["data":protected]=> object(stdClass)#8753 (2) { ["filter"]=> string(0) "" ["maxlength"]=> string(0) "" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#8771 (3) { ["data":protected]=> object(stdClass)#8780 (10) { ["hint"]=> string(0) "" ["class"]=> string(0) "" ["label_class"]=> string(0) "" ["show_on"]=> string(1) "2" ["render_class"]=> string(0) "" ["showlabel"]=> string(1) "1" ["label_render_class"]=> string(0) "" ["display"]=> string(1) "2" ["layout"]=> string(0) "" ["display_readonly"]=> string(1) "2" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["type"]=> string(4) "text" ["default_value"]=> string(0) "" ["context"]=> string(19) "com_content.article" ["group_id"]=> int(2) ["label"]=> string(9) "Video URL" ["description"]=> string(0) "" ["required"]=> int(0) ["only_use_in_subform"]=> int(0) ["language_title"]=> NULL ["language_image"]=> NULL ["editor"]=> NULL ["access_level"]=> string(6) "Public" ["author_name"]=> string(18) "Jeremiah Sebastian" ["group_title"]=> string(22) "Summary points + video" ["group_access"]=> int(1) ["group_state"]=> int(1) ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } [6]=> object(stdClass)#8874 (33) { ["id"]=> int(6) ["title"]=> string(33) "Image Caption / Video description" ["name"]=> string(31) "image-caption-video-description" ["checked_out"]=> NULL ["checked_out_time"]=> NULL ["note"]=> string(0) "" ["state"]=> int(1) ["access"]=> int(1) 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int(2) ["label"]=> string(33) "Image Caption / Video description" ["description"]=> string(0) "" ["required"]=> int(0) ["only_use_in_subform"]=> int(0) ["language_title"]=> NULL ["language_image"]=> NULL ["editor"]=> NULL ["access_level"]=> string(6) "Public" ["author_name"]=> string(18) "Jeremiah Sebastian" ["group_title"]=> string(22) "Summary points + video" ["group_access"]=> int(1) ["group_state"]=> int(1) ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } [3]=> object(stdClass)#8895 (33) { ["id"]=> int(3) ["title"]=> string(6) "Status" ["name"]=> string(6) "status" ["checked_out"]=> NULL ["checked_out_time"]=> NULL ["note"]=> string(0) "" ["state"]=> int(1) ["access"]=> int(1) ["created_time"]=> string(19) "2020-06-20 01:45:26" ["created_user_id"]=> int(2351) ["ordering"]=> int(3) ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#8779 (3) { ["data":protected]=> object(stdClass)#8764 (1) { ["options"]=> object(stdClass)#8763 (2) { ["options0"]=> object(stdClass)#8760 (2) { ["name"]=> string(8) "Inactive" ["value"]=> string(1) "0" } ["options1"]=> object(stdClass)#8765 (2) { ["name"]=> string(6) "Active" ["value"]=> string(1) "1" } } } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#8777 (3) { ["data":protected]=> object(stdClass)#8798 (10) { ["hint"]=> string(0) "" ["class"]=> string(9) "btn-group" ["label_class"]=> string(0) "" ["show_on"]=> string(0) "" ["render_class"]=> string(0) "" ["showlabel"]=> string(1) "1" ["label_render_class"]=> string(0) "" ["display"]=> string(1) "2" ["layout"]=> string(0) "" ["display_readonly"]=> string(1) "2" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["type"]=> string(5) "radio" ["default_value"]=> string(0) "" ["context"]=> string(19) "com_content.article" ["group_id"]=> int(2) ["label"]=> string(6) "Status" ["description"]=> string(0) "" ["required"]=> int(0) ["only_use_in_subform"]=> int(0) ["language_title"]=> NULL ["language_image"]=> NULL ["editor"]=> NULL ["access_level"]=> string(6) "Public" ["author_name"]=> string(18) "Jeremiah Sebastian" ["group_title"]=> string(22) "Summary points + video" ["group_access"]=> int(1) ["group_state"]=> int(1) ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } [5]=> object(stdClass)#8847 (33) { ["id"]=> int(5) ["title"]=> string(22) " Essential information" ["name"]=> string(21) "essential-information" ["checked_out"]=> NULL ["checked_out_time"]=> NULL ["note"]=> string(0) "" ["state"]=> int(1) ["access"]=> int(1) ["created_time"]=> string(19) "2020-06-25 06:10:20" ["created_user_id"]=> int(2351) ["ordering"]=> int(4) ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#8775 (3) { ["data":protected]=> object(stdClass)#8800 (4) { ["buttons"]=> string(0) "" ["width"]=> string(0) "" ["height"]=> string(0) "" ["filter"]=> string(0) "" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#8770 (3) { ["data":protected]=> object(stdClass)#8802 (10) { ["hint"]=> string(0) "" ["class"]=> string(0) "" ["label_class"]=> string(0) "" ["show_on"]=> string(0) "" ["render_class"]=> string(0) "" ["showlabel"]=> string(1) "1" ["label_render_class"]=> string(0) "" ["display"]=> string(1) "2" ["layout"]=> string(0) "" ["display_readonly"]=> string(1) "2" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["type"]=> string(6) "editor" ["default_value"]=> string(0) "" ["context"]=> string(19) "com_content.article" ["group_id"]=> int(2) ["label"]=> string(22) " Essential information" ["description"]=> string(35) "3 points that summarize the article" ["required"]=> int(0) ["only_use_in_subform"]=> int(0) ["language_title"]=> NULL ["language_image"]=> NULL ["editor"]=> NULL ["access_level"]=> string(6) "Public" ["author_name"]=> string(18) "Jeremiah Sebastian" ["group_title"]=> string(22) "Summary points + video" ["group_access"]=> int(1) ["group_state"]=> int(1) ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } [2]=> object(stdClass)#8894 (33) { ["id"]=> int(2) ["title"]=> string(14) "Embedded Video" ["name"]=> string(14) "embedded-video" ["checked_out"]=> NULL ["checked_out_time"]=> NULL ["note"]=> string(0) "" ["state"]=> int(1) ["access"]=> int(1) ["created_time"]=> string(19) "2020-06-20 01:43:32" ["created_user_id"]=> int(2351) ["ordering"]=> int(5) ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#8799 (3) { ["data":protected]=> object(stdClass)#8804 (4) { ["buttons"]=> string(0) "" ["width"]=> string(0) "" ["height"]=> string(0) "" ["filter"]=> string(0) "" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#8801 (3) { ["data":protected]=> object(stdClass)#8806 (10) { ["hint"]=> string(29) "Paste your embedded code here" ["class"]=> string(0) "" ["label_class"]=> string(0) "" ["show_on"]=> string(1) "2" ["render_class"]=> string(0) "" ["showlabel"]=> string(1) "1" ["label_render_class"]=> string(0) "" ["display"]=> string(1) "2" ["layout"]=> string(0) "" ["display_readonly"]=> string(1) "2" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["type"]=> string(6) "editor" ["default_value"]=> string(0) "" ["context"]=> string(19) "com_content.article" ["group_id"]=> int(2) ["label"]=> string(14) "Embedded Video" ["description"]=> string(0) "" ["required"]=> int(0) ["only_use_in_subform"]=> int(0) ["language_title"]=> NULL ["language_image"]=> NULL ["editor"]=> NULL ["access_level"]=> string(6) "Public" ["author_name"]=> string(18) "Jeremiah Sebastian" ["group_title"]=> string(22) "Summary points + video" ["group_access"]=> int(1) ["group_state"]=> int(1) ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } } ["link"]=> string(98) "/borrow-money/loans/bridging-loans-demystified-navigating-your-next-property-purchase-in-australia" ["image"]=> string(111) "https://res.cloudinary.com/momentum-media-group-pty-ltd/image/upload/v1713478643/pexels-rdne-7841821_eplz3q.jpg" ["image_alt"]=> string(79) "Bridging loans demystified: Navigating your next property purchase in Australia" } }