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REFINANCE

Should I consider refinancing my loan?
When considering a refinance of your home or investment loan, you should probably ask yourself, what do I hope to achieve from a refinance?
Generally, the obvious answer would be to save the amount of interest paid by you over the life of the loan. Here we examine some of the reasons for refinancing Click here >>

Loan Health Check
Are you sure your current loan is working for you the way it should be? Could you be getting more out of it? Are you paying too much interest? Why not let us help put your mind at rest and give your loan that “check up” it needs? For an obligation free appraisal of your loan just simply Click here >>

Refinancing Loan Calculator
See for yourself how comparing the terms of your current loan against those of other lending institutions can potentially save you thousands of dollars in interest charges as well as reducing your overall loan term. Click here >>

Recommended Loan Products
You are almost there…..you now know how a refinance of your loan could benefit you, but with some many products available, how do you know you are making the right choice? The answer is easy…..leave it to us to help! To view our leading products that are designed to suit your specific needs Click here >>

My Choice Broking
If you are not completely satisfied with our recommended loan products or would simply like to compare more products, then look no further. Austral Mortgage now offers a broker service that gives the borrower access to comprehensive range of loan and leasing products. Find out more about "My Choice" simply
Click here >>

Case Studies
Two couples recently refinanced to us from other lending institutions. They were amazed at the savings and you will be too.
Read more >>

This month in Your Mortgage Magazine - Ask Vicky
Vicky Edema, Austral’s Managing Director, features monthly in YMM where she answers a wide range of questions put to her by the readers. To read this month’s article click here >>

Refinancing Blog – Have your say
Join our forum and have your say. We welcome you to share your own experience whether good or bad with others that may be in a similar situation. To provide your comments, just click here >>

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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: Thursday, 24th July, 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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