Mortgage Calculator or Loan Calculator

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	How Much Can I Borrow?			Offset Mortgage Calculator
	Complete Loan Comparison			Lump Sum Payments
	Extra Repayments			Split Loan
	How Long to Repay?			Stamp Duty
	P & I / Interest Only			Income Tax
	Basic Loan Repayments			Car Lease

* Austral Mortgage Corporation provides these calculators as a guide only and results should be checked with a qualified financial consultant before use.

A mortgage calculator has become an important resource tool when purchasing a property or refinancing your existing home loan. Use an online mortgage calculator to help you assess your mortgage payment options.

Mortgage Calculators

How much can I borrow calculator
Ever wondered how much you can borrow but didn’t want to go through the hassle of applying for a loan to find out? By inputting a few simple details, you can now get an indication of your borrowing capacity, monthly commitment and the total interest payable over the entire loan term.

Complete loan comparison calculator
Compare two different lenders’ fixed rate loans inclusive of up-front, ongoing and exit fees applicable. Find out what your monthly repayments will be during the fixed rate period, when the fixed rate expires as well as the total cost of the loan. Most importantly, find out how much you can save comparing one against the other!

Extra repayments calculator
Are you in a position to make an additional fixed periodic repayment? Find out what effect your additional payment has on the remaining term of your loan and total cost of your loan.

How long to repay calculator
If you know the interest rate and you have an amount you are comfortable in paying each period, so long as it’s greater than the minimum requirement, why not find out how quickly you can pay your loan off?

P & I / Interest Only calculator
In some instances you may wish to commence your loan in an Interest Only period rather than reducing the Principal (P&I) from day one. This might be due to any number of reasons such as cash flow, taxation purposes, etc. Here, we show you the effect of an Interest Only period during the term of the loan (generally up to 10 years allowable). We identify the differences in minimum repayments required, the total cost of the loan and total interest payable.

Basic loan repayments calculator
Compare two different interest rates over two loan term periods to find out how much your repayments will be and the total cost of the loan for that term period.

Lump sum payments calculator
From time to time you may be in a position to make a lump sum payment off your mortgage. This calculator allows you to see the impact that the one-off payment will have on the remaining term of your loan and the interest you will save regardless of when you make it.

Split loan calculator
Would you like the flexibility of a variable rate loan but also the security of knowing that your repayments won’t change with an interest rate rise? Consider a split loan that affords you both luxuries. Our Split Loan calculator provides you with both the fixed and variable portion repayment amounts as well as the post fixed rate period repayment.

Stamp duty calculator
When buying a home or investment property or taking out a mortgage on a property, there are always government fees and duties applicable. Our stamp duty calculator provides all of these for each State and Territory.

Income tax calculator
Tired of sorting through pages and pages of Income Tax tables? We’ve taken the paperwork out of the equation for you. You provide one amount and our Income Tax calculator will do the rest for you.

Car Lease
Buying a car? Considering leasing it? Our Car Lease calculator will assist you to estimate the monthly repayments.

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Full Member of MFAA
Austral is a member of the Mortgage & Finance Association of Australia (formerly MIAA), the professional body for the mortgage industry.

PH: 02 9299 1833 / FAX: 02 9299 1874

TODAY: Saturday, 4th July, 2009

Private Ruling Authorisation Number 81797 - APRIL 2008
April 2008 Private Ruling Authorisation Number 81797 http://www.ato.gov.au/rba/content.asp?doc=/rba/content/81797.htm Facts: The taxpayer sought to claim as a deduction the capitalised interest on additional borrowings used to meet the shortfall between the rental income on his investment property and the interest, rates and maintenance costs he paid in relation to the property. The taxpayer advised the ATO that he did not want to use his personal income to repay his private home loan debt or reinvest in other income-producing assests.

PUBLIC TAX DETERMINATION DT2008/27
DECEMBER 2008 Public Tax Determination TD2008/27 http://law.ato.gov.au/atolaw/view.htm?locid=TXD (then follow the prompts) TD 2008/27 has now clarified the position for the public generally. The factors that will determine the deductibility of interest are:

My Choice
Austral has recently expanded its product offering through its My Choice loan initiative. My Choice provides borrowers with access to a wide range of lenders and loan products for residential, commercial and equipment finance, so no matter what your need our friendly and experienced staff can assist you.

NAB BOSS TO IGNORE RATE CUTS - APRIL 2009
RESERVE Bank interest rate cuts will no longer have any significant influence on home mortgage rates, a bank chief said yesterday.

WEALTH MAXIMISER - INVESTOR ASSIST UPDATE - JUNE 2008
The ATO has recently published an edited version of a Private Ruling on its website: http://www.ato.gov.au/rba/content.asp?doc=/rba/content/81797.htm A taxpayer and client of Austral Mortgage, applied for the private ruling to seek confirmation from the ATO that if there was a shortfall between his investment income and his investment outgoings then that shortfall could be capitalised under the home and investment loan & line of credit structure noted in his application.

WEALTH MAXIMISER UPDATE - MAY 2008
Ever since the High Court decision in Hart's case, taxpayers have been seeking clarity from the ATO on the deductibility of capitalised interest in certain loan structures. On 16th April 2008 a favourable Private Ruling issued to an Austral client that provides insight into the ATO's current thinking on the subject.

WEALTH MAXIMISER UPDATE - FEBRUARY 2008
Wealth Maximiser Update 12th February 2008 - We have advice from the ATO that it is well advanced on a binding Tax Determination regarding the deductibility of capitalised interest on a line of credit facility. Borrowers with both a home loan and an investment loan should consider including a capitalising line of credit within their loan structure or at least ascertaining from their lender that they could access such a facility by way of a simple variation of their existing mortgage.

Trans Tasman Finance
Did you know that Austral has a wholly owned subsidiary, Gem Home Loans Limited, in Auckland NZ - we are able to assist with organising mortgage finance for you should you be considering buying property in NZ.

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