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21st - 25th July Featured Products

RESIDENTIAL LOANS

Pepper Home Loans

Occasionally, customers go through a rough patch in their lives and end up with a few blemishes on their credit reports or unsatisfactory repayment history. Non-conforming lenders like Pepper can assist, provided there is a financial benefit to the client and a satisfactory explanation confirming reasons for bad credit history has been provided. Interest rates vary depending on the credit rating, however start from around 10.00% p.a.
Max LVR's 85% (full doc & lo doc)
Application Fee $0
Annual account keeping fee $0
Catch - loans are not subject to mortgage insurance, however mortgage risk fee applies for LVR's above 80%

Newcastle Permanent's Fixed Rate Home Loan
Indicative Fixed Interest Rate for 3 & 5 years 8.94% p.a.
Max LVR 100%
Establishment Fee $300
Account Keeping Fee $0
* Up to $25K in additional repayments permitted without incurring a penalty

COMMERCIAL LOANS


IMB's Commercial Loan IMB's Commercial Loan Indicative Variable Interest Rate 9.85% p.a. LVR's up to 75% Application fee 0.50% of the loan amount payable upon application Maximum Interest Only term - 5 years Maximum Loan term 25 years Loan Service fee $0 Catch - full doc loans only

Remember
By choosing a My Choice loan product through this CANTEEN Programme, for no additional cost or increase in your interest rate, you will be helping young people living with cancer.

Achived Featured Products

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Austral provides easy access to Manage your Loan Account Online. Click below to log-in or register for log-in if you haven't already done so. Join Referrer Programme & save $$$ off your mortgage.

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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: Tuesday, 6th January, 2009

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.

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.

Austral in the Community
Austral Mortgage has been a Principal Sponsor of the Winston Hills Little Athletics Club since October 2006. We are proud to be supporting this community project and congratulate the young athletes of WHLA for their commitment to and successes in the sport.

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.

AusComm Finance
AusComm is the specialist Construction and Development division of Austral Mortgage - if you are a developer seeking finance for construction purposes - residential, commercial, retail, industrial - give Peter McAuley a call on 0419 220 630 or email him peter.mcauley@australmortgage.com to discuss your funding requirements.

Mortgage Calculator
A number of excellent resource tools are now available on the internet for people in Australia seeking a loan to finance the purchase of a property or refinance an existing mortgage. One of the most useful and user friendly tools is a mortgage calculator. Before going too far in the purchase and /or borrowing process it is a worthwhile exercise to quickly gauge your borrowing capacity and also determine how your new mortgage repayments will impact on your personal cash flow. Mortgage calculator...

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