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Useful Links

www.mfaa.com.au
The Mortgage & Finance Association of Australia (MFAA) is a provider of service and representation to mortgage brokers, mortgage managers, mortgage lenders and originators across the country.

http://www.creditombudsman.com.au/
The Credit Ombudsman Service is a free and independent External Dispute Resolution scheme. It provides consumers with an alternative to legal proceedings for resolving disputes with COSL Members operating in the Credit marketplace.

http://www.baycorpadvantage.com.au
Veda Advantage provides solutions which enhance and integrate with the processes our clients use to identify, select and optimise the value of relationships with their customers.

http://www.rba.gov.au/
The Bank is an active participant in financial markets, manages Australia's foreign reserves, issues Australian currency notes and serves as banker to the Australian Government. The information provided by the Reserve Bank includes statistics - for example, on interest rates, exchange rates and money and credit growth - and a range of publications on its operations and research.

http://www.osr.nsw.gov.au/portal/page?_pageid=33,1&_dad=portal&_schema=OSRPTLT
http://www.osr.qld.gov.au/
http://www.dtf.wa.gov.au/cms/osr_index.asp
OSR administers State taxation, collects revenue, outstanding fines and penalties, develops policy and implements legislation relating to State taxation for and on behalf of the people.

www.rta.nsw.gov.au
The Roads and Traffic Authority of NSW is the State Government Authority that builds major roads, promotes road safety, manages traffic, and regulates vehicles and licensed drivers.

http://www.redbook.com.au/
Australian guide to motor vehicle identification and pricing – over 40,000 vehicles from 1960 onwards.

http://www.revs.nsw.gov.au/
Search registration details of a car and obtain the certificate online.

http://www.raa.net/
The RAA Homepage has information on insurance, holidays, guidebooks, motoring accessories, and security.

http://www.tradingpost.com.au/
Trading Post gives access to seventeen Trading Post publications available throughout Australia and to more than 90,000 adverts for a wide range of goods.

http://www.autoweb.com.au/
AutoWeb tracks customized requests for automobiles, and features information on new and used cards, dealers, and spare parts, plus classifieds and online quotes.

http://www.carpoint.com.au/
Carpoint is an automotive resource, featuring a used car marketplace, a new car buying service finance and insurance information and car reviews.

http://www.carsales.com.au/
Carsales is an Australian automotive service that offers users the ability to research and compare new cars and advertise used cars.

http://www.innercents.com.au/
InnerCents provides corporate coaching services in the following areas; corporate coaching, executive coaching, management training, leadership training and sales negotiation training.

http://www.dieteatingforweightloss.com
Diet eating for weight lose - ultimate guide on how to lose weight

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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: 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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