{"id":10014,"date":"2016-12-05T01:00:37","date_gmt":"2016-12-04T14:00:37","guid":{"rendered":"http:\/\/realestatetalk.com.au\/?p=10014"},"modified":"2016-12-05T01:00:37","modified_gmt":"2016-12-04T14:00:37","slug":"the-questions-to-ask-a-lender-andrew-mirams","status":"publish","type":"post","link":"https:\/\/channels.realty.com.au\/realtytalk\/the-questions-to-ask-a-lender-andrew-mirams\/","title":{"rendered":"The questions to ask a lender – Andrew Mirams"},"content":{"rendered":"

 
\nKnowing the right questions to ask is more important that knowing the answers. That applies, in particular, when you are in negotiations with a financier.\u00a0Andrew Mirams<\/strong><\/a> will explain today and give you the questions to ask.
\n <\/p>\n

Transcript:<\/strong><\/h4>\n

Kevin:<\/b>\u00a0 You know, sometimes it\u2019s not about knowing the answer to questions; it\u2019s knowing the questions to ask. I guess no truer word would be said then that when it comes to arranging your finance. Sometimes it\u2019s a matter of knowing what questions to ask about the loan before you commit \u2013 certainly well worth doing. Joining me now, Andrew Mirams from Intuitive Finance.
\nAndrew, I\u2019m putting you on the spot here a little bit. What are the questions that you think borrowers should be asking you before they commit to a loan?
\nAndrew:<\/b>\u00a0 Thanks for having me, Kevin. Look, I think, it really is quite specific and dependent on the client sitting in front of you. Obviously, a first-home buyer\u2019s question is going to be quite different to an astute investor or someone who\u2019s probably done it before, etc. But I think some of the real keys that they need to ask or that they need to know is who are they dealing with first across the desk? Are they in industry bodies and things like that, etc.? What\u2019s their experience, etc. \u2014 along those lines?
\nKevin:<\/b>\u00a0 This is the broker you\u2019re referring to?
\nAndrew:<\/b>\u00a0 Absolutely. Yes. We get lots of questions. We actually get quite upfront with the information we give out to our clients or potential clients about us. We\u2019re very active on the Internet and things like that.
\nSo that people get a good feel of who they\u2019re dealing with. Have they done it before? But then, I guess, for them more specifically, it\u2019s who are we dealing with and the whys? And the real whys is we\u2019re pretty intent here on making sure people really understand the process. Again, that comes back to whether you\u2019re a first-home buyer or you\u2019re a astute investor.
\nKevin:<\/b>\u00a0 Quite often, Andrew, a lot of the lenders will be hybrids of other major lenders, so it\u2019s a matter of knowing who you\u2019re actually borrowing from, as well.
\nAndrew:<\/b>\u00a0 Yes, exactly. You need to be intent on making sure if you\u2019re recommending ABC Bank over XYZ Bank, why are we doing that? And then you need to drill down. So for first-home buyer, it might be a lower mortgage insurance premium. It might be for an investor that they have a better fixed rate or a blend or a split rate, or there might be more features in the loan that we think based on the data we have that that\u2019s a better fit for them.
\nWe encourage the questions because it\u2019s only when they\u2019re really comfortable with the process that they\u2019ll understand it now and also in the future.
\nKevin:<\/b>\u00a0 What sort of disclosure do you as a broker have to give before someone commits to a loan, Andrew?
\nAndrew:<\/b>\u00a0 The rules have a changed a lot. We\u2019re probably ten years behind the financial planning industry but we\u2019re correlating down that path. We all now have either all brokers who operate under their own license or under their aggregators or who do they do business with under their license. We\u2019re bound to give out a credit guide, which discloses our dispute resolutions, the top six lenders we deal with, how we\u2019re paid, etc.
\nWe also then make sure an information pack based on Intuitive Finance and Andrew Mirams goes out so that people know who they\u2019re dealing with or has some comprehensive. Again, most of our leads or deals tend to come from a warm referral, so they\u2019ve been referred by a friend, a family member, or someone who\u2019s done business with us, another business partner, etc.
\nWe give that sort of information. We are active in giving out a fact-find and making sure that people understand how they know that their data that they give us is also going to be protected. I think that\u2019s very important in the modern day. People don\u2019t want their privacy breached, as well.
\nKevin:<\/b>\u00a0 That\u2019s a very good point you make actually about the information you give the broker because you tend to think that you\u2019re giving it to the bank but you\u2019re actually pushing it through the broker, and I guess you\u2019d have to be fairly careful about how they use that information, too, Andrew.
\nAndrew:<\/b>\u00a0 Correct. Again, it comes back to knowing who you\u2019re dealing with. And we ask for a quite exhaustive information and research list right up front. We think that\u2019s the best way to best assist the client in the least amount of time because by the time someone\u2019s ringing us, e-mailing us, sitting in front of us, they don\u2019t want to be sitting and umming and ahhing; they generally have a need and they want that need satisfied.
\nSo for us to best assist them we think the more information we can, one, give out, but two, then get back, it helps us to do a better client deal in terms of what everyone gets from that.
\nKevin:<\/b>\u00a0 Has consumer protection been beefed up in recent times in terms of how consumers deal with brokers and what protection they can get?
\nAndrew:<\/b>\u00a0 Yes. There\u2019s a group called COSL, which is the Credit Ombudsman Scheme. Probably what you find against brokers and things like that, I think that the disputes or the complaints are lessening, so there was less last year than the year before.
\nI\u2019ve known lots of people who have made a complaint because someone\u2019s maybe recommended a fixed rate and they didn\u2019t understand why. Again, it just keeps coming back to that why question. Keep asking the questions. But certainly, your money day lenders and things like that, they tend to get significant complaints and things like that \u2013 Office of Fair Trading, COSL, and all that sort of thing. It just depends how the promoters\u2026
\nThe legislation, and the regulations have tightened dramatically since the GFC and I think it\u2019s a great thing for the industry as a profession.
\nKevin:<\/b>\u00a0 Yes. You mentioned the payday lenders; they\u2019re the real rogues of the industry. Well, I suppose that\u2019s unfair to label them all like that, but they certainly don\u2019t have a good reputation, do they?
\nAndrew:<\/b>\u00a0 No. They\u2019re really servicing a need but the client who has that need is probably chasing from paycheck to paycheck, and you tend to see a lot of people actually just get themselves into more problems and troubles.
\nUnfortunately, trying to protect people from themselves\u2026 Desperate people do desperate things and when they think they\u2019re in that situation they go to what they think at the time is a good thing but quite often is not.
\nKevin:<\/b>\u00a0 Just to round out this conversation, too, Andrew. Sometimes attractive interest rates, they may be attractive in the short term but I guess you have to look long term. It could just be a little bit of bait to get into the loan to start with.
\nAndrew:<\/b>\u00a0 Absolutely. And that goes everywhere. We\u2019re really active here in making sure we meet the client\u2019s need first and then balancing that with features and interest rates and things like that.
\nIf someone comes to me and says, \u201cI saw this 3% interest rate advertised. That\u2019s what I want,\u201d and they don\u2019t qualify, well there\u2019s no point competing on rate because you can\u2019t. So you need to make sure you\u2019re going to be able to secure the client the money that they need for that purpose and then you work backwards with features.
\nIt might be an offset account or redraw or a fixed rate or a line of credit attached to a credit card. They might need the whole banking package. What are the rates and fees that go with that as well as the interest rate? You might get a slightly cheaper interest rate, but if you pay mortgage insurance, there might be a significant increase in the premium that counterbalances that.
\nKevin:<\/b>\u00a0 You talk about low interest rates. I remember that saying \u201cThe only free cheese is in the trap.\u201d
\nAndrew:<\/b>\u00a0 Couldn\u2019t agree more.
\nKevin:<\/b>\u00a0 Andrew Mirams from Intuitive Finance. Andrew, great talking to you and thanks for your time.
\nAndrew:<\/b>\u00a0 Thanks, Kevin.<\/p>\n","protected":false},"excerpt":{"rendered":"

  Knowing the right questions to ask is more important that knowing the answers. That applies, in particular, when you are in negotiations with a financier.\u00a0Andrew Mirams will explain today and give you the questions to ask.   Transcript: Kevin:\u00a0 You know, sometimes it\u2019s not…<\/p>\n","protected":false},"author":176692471,"featured_media":8256,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[34,10,11,13,17,22,25],"tags":[101],"class_list":["post-10014","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-finance-topic","category-kevin-turner-sponsored-channels","category-kevin-update","category-latest-story","category-property-investment","category-research-topic","category-sponsored-channels","tag-podcast"],"yoast_head":"\nThe questions to ask a lender - Andrew Mirams - Realty Talk<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/channels.realty.com.au\/realtytalk\/the-questions-to-ask-a-lender-andrew-mirams\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"The questions to ask a lender - Andrew Mirams - Realty Talk\" \/>\n<meta property=\"og:description\" content=\"  Knowing the right questions to ask is more important that knowing the answers. That applies, in particular, when you are in negotiations with a financier.\u00a0Andrew Mirams will explain today and give you the questions to ask.   Transcript: Kevin:\u00a0 You know, sometimes it\u2019s not...\" \/>\n<meta property=\"og:url\" content=\"https:\/\/channels.realty.com.au\/realtytalk\/the-questions-to-ask-a-lender-andrew-mirams\/\" \/>\n<meta property=\"og:site_name\" content=\"Realty Talk\" \/>\n<meta property=\"article:published_time\" content=\"2016-12-04T14:00:37+00:00\" \/>\n<meta name=\"author\" content=\"rolanrush\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"rolanrush\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"7 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/channels.realty.com.au\\\/realtytalk\\\/the-questions-to-ask-a-lender-andrew-mirams\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/channels.realty.com.au\\\/realtytalk\\\/the-questions-to-ask-a-lender-andrew-mirams\\\/\"},\"author\":{\"name\":\"rolanrush\",\"@id\":\"https:\\\/\\\/channels.realty.com.au\\\/realtytalk\\\/#\\\/schema\\\/person\\\/384a57ac9e52cb9bf19896cb15eaa52d\"},\"headline\":\"The questions to ask a lender – Andrew Mirams\",\"datePublished\":\"2016-12-04T14:00:37+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/channels.realty.com.au\\\/realtytalk\\\/the-questions-to-ask-a-lender-andrew-mirams\\\/\"},\"wordCount\":1452,\"commentCount\":0,\"image\":{\"@id\":\"https:\\\/\\\/channels.realty.com.au\\\/realtytalk\\\/the-questions-to-ask-a-lender-andrew-mirams\\\/#primaryimage\"},\"thumbnailUrl\":\"\",\"keywords\":[\"podcast\"],\"articleSection\":[\"Finance\",\"Kevin Turner\",\"Kevin's Update\",\"Latest Stories\",\"Property Investment Topics\",\"Research\",\"Sponsored Channels\"],\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\\\/\\\/channels.realty.com.au\\\/realtytalk\\\/the-questions-to-ask-a-lender-andrew-mirams\\\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/channels.realty.com.au\\\/realtytalk\\\/the-questions-to-ask-a-lender-andrew-mirams\\\/\",\"url\":\"https:\\\/\\\/channels.realty.com.au\\\/realtytalk\\\/the-questions-to-ask-a-lender-andrew-mirams\\\/\",\"name\":\"The questions to ask a lender - Andrew Mirams - Realty Talk\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/channels.realty.com.au\\\/realtytalk\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/channels.realty.com.au\\\/realtytalk\\\/the-questions-to-ask-a-lender-andrew-mirams\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/channels.realty.com.au\\\/realtytalk\\\/the-questions-to-ask-a-lender-andrew-mirams\\\/#primaryimage\"},\"thumbnailUrl\":\"\",\"datePublished\":\"2016-12-04T14:00:37+00:00\",\"author\":{\"@id\":\"https:\\\/\\\/channels.realty.com.au\\\/realtytalk\\\/#\\\/schema\\\/person\\\/384a57ac9e52cb9bf19896cb15eaa52d\"},\"breadcrumb\":{\"@id\":\"https:\\\/\\\/channels.realty.com.au\\\/realtytalk\\\/the-questions-to-ask-a-lender-andrew-mirams\\\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/channels.realty.com.au\\\/realtytalk\\\/the-questions-to-ask-a-lender-andrew-mirams\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/channels.realty.com.au\\\/realtytalk\\\/the-questions-to-ask-a-lender-andrew-mirams\\\/#primaryimage\",\"url\":\"\",\"contentUrl\":\"\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/channels.realty.com.au\\\/realtytalk\\\/the-questions-to-ask-a-lender-andrew-mirams\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/channels.realty.com.au\\\/realtytalk\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"The questions to ask a lender – Andrew Mirams\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/channels.realty.com.au\\\/realtytalk\\\/#website\",\"url\":\"https:\\\/\\\/channels.realty.com.au\\\/realtytalk\\\/\",\"name\":\"Realty Talk\",\"description\":\"Your Trusted Voice For Property Investing. Anywhere, Anytime.\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/channels.realty.com.au\\\/realtytalk\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/channels.realty.com.au\\\/realtytalk\\\/#\\\/schema\\\/person\\\/384a57ac9e52cb9bf19896cb15eaa52d\",\"name\":\"rolanrush\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/86544778804295a7fa45cbde097dc3a58a45ba6ed28859f17059ca74c38723d2?s=96&d=mm&r=g\",\"url\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/86544778804295a7fa45cbde097dc3a58a45ba6ed28859f17059ca74c38723d2?s=96&d=mm&r=g\",\"contentUrl\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/86544778804295a7fa45cbde097dc3a58a45ba6ed28859f17059ca74c38723d2?s=96&d=mm&r=g\",\"caption\":\"rolanrush\"},\"url\":\"https:\\\/\\\/channels.realty.com.au\\\/realtytalk\\\/author\\\/rolanrush\\\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"The questions to ask a lender - Andrew Mirams - Realty Talk","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/channels.realty.com.au\/realtytalk\/the-questions-to-ask-a-lender-andrew-mirams\/","og_locale":"en_US","og_type":"article","og_title":"The questions to ask a lender - Andrew Mirams - Realty Talk","og_description":"  Knowing the right questions to ask is more important that knowing the answers. That applies, in particular, when you are in negotiations with a financier.\u00a0Andrew Mirams will explain today and give you the questions to ask.   Transcript: Kevin:\u00a0 You know, sometimes it\u2019s not...","og_url":"https:\/\/channels.realty.com.au\/realtytalk\/the-questions-to-ask-a-lender-andrew-mirams\/","og_site_name":"Realty Talk","article_published_time":"2016-12-04T14:00:37+00:00","author":"rolanrush","twitter_card":"summary_large_image","twitter_misc":{"Written by":"rolanrush","Est. reading time":"7 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/channels.realty.com.au\/realtytalk\/the-questions-to-ask-a-lender-andrew-mirams\/#article","isPartOf":{"@id":"https:\/\/channels.realty.com.au\/realtytalk\/the-questions-to-ask-a-lender-andrew-mirams\/"},"author":{"name":"rolanrush","@id":"https:\/\/channels.realty.com.au\/realtytalk\/#\/schema\/person\/384a57ac9e52cb9bf19896cb15eaa52d"},"headline":"The questions to ask a lender – Andrew Mirams","datePublished":"2016-12-04T14:00:37+00:00","mainEntityOfPage":{"@id":"https:\/\/channels.realty.com.au\/realtytalk\/the-questions-to-ask-a-lender-andrew-mirams\/"},"wordCount":1452,"commentCount":0,"image":{"@id":"https:\/\/channels.realty.com.au\/realtytalk\/the-questions-to-ask-a-lender-andrew-mirams\/#primaryimage"},"thumbnailUrl":"","keywords":["podcast"],"articleSection":["Finance","Kevin Turner","Kevin's Update","Latest Stories","Property Investment Topics","Research","Sponsored Channels"],"inLanguage":"en-US","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/channels.realty.com.au\/realtytalk\/the-questions-to-ask-a-lender-andrew-mirams\/#respond"]}]},{"@type":"WebPage","@id":"https:\/\/channels.realty.com.au\/realtytalk\/the-questions-to-ask-a-lender-andrew-mirams\/","url":"https:\/\/channels.realty.com.au\/realtytalk\/the-questions-to-ask-a-lender-andrew-mirams\/","name":"The questions to ask a lender - Andrew Mirams - Realty Talk","isPartOf":{"@id":"https:\/\/channels.realty.com.au\/realtytalk\/#website"},"primaryImageOfPage":{"@id":"https:\/\/channels.realty.com.au\/realtytalk\/the-questions-to-ask-a-lender-andrew-mirams\/#primaryimage"},"image":{"@id":"https:\/\/channels.realty.com.au\/realtytalk\/the-questions-to-ask-a-lender-andrew-mirams\/#primaryimage"},"thumbnailUrl":"","datePublished":"2016-12-04T14:00:37+00:00","author":{"@id":"https:\/\/channels.realty.com.au\/realtytalk\/#\/schema\/person\/384a57ac9e52cb9bf19896cb15eaa52d"},"breadcrumb":{"@id":"https:\/\/channels.realty.com.au\/realtytalk\/the-questions-to-ask-a-lender-andrew-mirams\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/channels.realty.com.au\/realtytalk\/the-questions-to-ask-a-lender-andrew-mirams\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/channels.realty.com.au\/realtytalk\/the-questions-to-ask-a-lender-andrew-mirams\/#primaryimage","url":"","contentUrl":""},{"@type":"BreadcrumbList","@id":"https:\/\/channels.realty.com.au\/realtytalk\/the-questions-to-ask-a-lender-andrew-mirams\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/channels.realty.com.au\/realtytalk\/"},{"@type":"ListItem","position":2,"name":"The questions to ask a lender – Andrew Mirams"}]},{"@type":"WebSite","@id":"https:\/\/channels.realty.com.au\/realtytalk\/#website","url":"https:\/\/channels.realty.com.au\/realtytalk\/","name":"Realty Talk","description":"Your Trusted Voice For Property Investing. Anywhere, Anytime.","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/channels.realty.com.au\/realtytalk\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Person","@id":"https:\/\/channels.realty.com.au\/realtytalk\/#\/schema\/person\/384a57ac9e52cb9bf19896cb15eaa52d","name":"rolanrush","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/secure.gravatar.com\/avatar\/86544778804295a7fa45cbde097dc3a58a45ba6ed28859f17059ca74c38723d2?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/86544778804295a7fa45cbde097dc3a58a45ba6ed28859f17059ca74c38723d2?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/86544778804295a7fa45cbde097dc3a58a45ba6ed28859f17059ca74c38723d2?s=96&d=mm&r=g","caption":"rolanrush"},"url":"https:\/\/channels.realty.com.au\/realtytalk\/author\/rolanrush\/"}]}},"jetpack_featured_media_url":"","jetpack_sharing_enabled":true,"_links":{"self":[{"href":"https:\/\/channels.realty.com.au\/realtytalk\/wp-json\/wp\/v2\/posts\/10014","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/channels.realty.com.au\/realtytalk\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/channels.realty.com.au\/realtytalk\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/channels.realty.com.au\/realtytalk\/wp-json\/wp\/v2\/users\/176692471"}],"replies":[{"embeddable":true,"href":"https:\/\/channels.realty.com.au\/realtytalk\/wp-json\/wp\/v2\/comments?post=10014"}],"version-history":[{"count":0,"href":"https:\/\/channels.realty.com.au\/realtytalk\/wp-json\/wp\/v2\/posts\/10014\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/channels.realty.com.au\/realtytalk\/wp-json\/"}],"wp:attachment":[{"href":"https:\/\/channels.realty.com.au\/realtytalk\/wp-json\/wp\/v2\/media?parent=10014"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/channels.realty.com.au\/realtytalk\/wp-json\/wp\/v2\/categories?post=10014"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/channels.realty.com.au\/realtytalk\/wp-json\/wp\/v2\/tags?post=10014"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}