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boat loanauto loan 18 Sep 2008 11:00 PM
New Car Finance Options by Vicky Edema Comment (0)
Dealer finance

If you require new car finance when buying your vehicle from a dealer, you may consider dealer finance to be a convenient and simple solution to the problem. Just be aware that this convenience can cost you.

Dealer finance generally has a higher interest rate that the more competitive products financial institutions offer for new car finance. It can also come with extra terms and
boat loanauto loan 18 Sep 2008 11:00 PM
Looking for a boat loan or an auto loan? Check the market before committing to finance by Vicky Edema Comment (0)
When you are in the market to purchase a new car or boat, you are generally pretty excited about the prospect, and often to speed up the process will take up the auto loan or boat loan offered by the dealer with whom you are negotiating. As a general rule this will not be the best available auto loan or boat loan and you will invariably save yourself a lot of money if you take a little extra time
boat loanauto loan 18 Sep 2008 11:00 PM
Boat loan? Auto Loan? Caravan Loan? There is a heap of choice out there! by Vicky Edema Comment (0)
I was recently looking to buy a new car (with a tow bar) so that it could tow either the new boat or caravan I was also hoping to purchase. I did not have enough cash to buy outright so checked out the availability of an auto loan as well as a boat loan and caravan finance.

Initially I had expected that an auto loan from the car dealership and the boat and caravan retailers would be the most
investment loandebt consolidation 18 Sep 2008 11:00 PM
What the best investment loan should offer you Part 2 by Vicky Edema Comment (0)
As discussed in Part I there are many astute property and share investors in Australia who often fail to ensure that the investment loan they take offers the best available features and most tax efficient investment loan structure for them.

When considering an investment loan you should ensure that you maximise your investment loan and that the interest rate is competitive (but not necessarily
mortgage rates 18 Sep 2008 11:00 PM
Looking for a boat loan? Make sure you know the “ins and outs” of boat loan finance by Vicky Edema Comment (0)
Boat loans are generally sought to purchase a boat for either personal or commercial purposes. Just like an auto loan, a boat loan can be structured to meet your particular cash flow. The average boat in Australia costs around $20,000 – although you can get started for a lot less than this – a boat loan for $2500 can get you into a $3000 aluminium runabout which can give you hours of delight (and
mortgageinvestment loan 3 Sep 2008 11:00 PM
A good investment loan can make a good investment better by Vicky Edema Comment (0)
If you have a home loan but also equity in your home property and are wanting to purchase an investment property to build wealth, then it is important to research the investment loan market to make sure that you apply for an investment loan that really works for you. When you apply for an investment loan, most lenders will simply offer you their standard term investment loan. Quite often they
first home buyer 3 Mar 2008 11:00 PM
So… you are in the market to purchase your first home by Vicky Edema Comment (0)
Many first home buyers are both excited and daunted by the prospect of purchasing their first home property in Australia. Like everything else though, it is not such a difficult process provided you do your research and make use of professional and experienced people along the way. Purchasing your first home will be your biggest financial transaction to date – it’s much more important that
refinancemortgage ratesmortgage 2 Feb 2008 11:00 PM
Why Refinance? by Vicky Edema Comment (0)
Should I finance in the current interest rate environment?

The number of borrowers looking to refinance their home loans has increased over the past six months because of the uncertainty of interest rates in Australia. Currently the Reserve Banks' Official Cash Rate (OCR) is at an 11 year high. Interest rates have increased in Australia for both international and national reasons, and all
refinancemortgage ratesmortgage calculatormortgageloan calculator 20 Jan 2008 11:00 PM
To Refinance or Not to Refinance …That is the question by Vicky Edema Comment (1)
There is supposedly a lot of refinancing of home loans going on at the moment mainly prompted by early media reports on the claims by banks that they were some how unaffected by rising interest rates resulting from the credit squeeze in the US.

The banks’ initial claims that they had little if any exposure to the problems in the US resulted in borrowers perceiving them to be a safer bet on
Untagged  9 Jan 2008 11:00 PM
The benefits of using Repayment mortgage calculator and payment analyser calculator by Vicky Edema Comment (1)
A mortgage calculator is a great help when someone needs to find out how much he can borrow. This is quite often is a complex and at times daunting task for a lot of people as they do not always know what criteria the lender applies when calculating serviceability. Another mortgage calculator that is often worthwhile checking out is the comparison mortgage calculator – this is invaluable when
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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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