GET A PRIVATE EVALUATION (not through any bank) YOU ARE GETTING RIPPED OFF.

They are associated with large development projects and that's why the property they will offer you is pre-selected. The way they make their money is the property is overvalued and the bank they deal with uses that fact in liue of you not having any assets or equity. I figured it out an hour into our 'presentation' of course they will never admit to this and unless you can be bothered doing a thorough investigation and finding how they are associated with the bank/developers you will not be able to trace it easily. It is legitimte to overprice an item and sell it to you…thats what many businesses do. However I would be interested to know from anyone who actually went ahead and bought from them if they get you to sign your house as collateral (at the very very end). I believe that they would have to sign your own house up as collateral otherwise the bank has no way of reclaiming their money. 

The financial advice and truths are all good but if you educate your self about how to reduce your loans its not a great big mystery. Here are some pointers although simplistic and I'm not a financial advisor, just your average Joe

1# Reduce your mortgage so you are not paying interest (increase your mortgage payments if you can)

2# Buy a new property so you can claim depreciation and reduce the amount of income tax you pay the rent will cover part of the morgtage so try to buy in areas where there is high rent

3# Know the difference between good debt and bad debt. Good debt is debt you use to buy investments and shares, bad debt is when you buy fancy cars and swimming pools