Zuzana Buttel's Blog
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mortgage, first home buyer 3 Mar 2008 11:00 PM
The experiences of a First Home Buyer in Australia Part 2 by Zuzana Buttel Comment (0)
Having done all the numbers on how much we could borrow to purchase our first home in Australia and being pretty excited about how much we could save in interest if we were disciplined and made extra payments to our home loan, we started seriously looking for our first home. We were first home buyers!

We were confident we could find our first home in a suburb of Sydney that we liked. Before we
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mortgage, first home buyer 3 Mar 2008 11:00 PM
The experiences of a First Home Buyer in Australia Part 1 by Zuzana Buttel Comment (0)
Six months ago my husband and I (sounds very royal!) decided we had sufficient funds saved to buy our first home in Sydney, Australia. We had a combined income of around $130,000 and had no immediate plans to start a family. We were unsure of how much we could borrow so we searched the internet and found some very good mortgage calculators that allowed us to input our income and expenses to work
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first home buyer 3 Mar 2008 11:00 PM
Taking the plunge by Zuzana Buttel Comment (0)
If the prospect of buying your first home is a touch terrifying, believe me, you're not alone. I have recently 'taken the plunge' and 'rock'n'rolled' into what I consider an enormous debt, but once it's done the rollercoaster ride of feelings, starting from scary followed by a belly flip and ending with indescribable happiness is very rewarding. Owning your own little bungalow that nobody can
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TODAY: Thursday, 20th November, 2008
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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