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Home Loan Warehouse | Expert Mortgage Brokers

Home Loan & Finance Calculators

Home Loan & Finance Calculators

HOME LOAN CALCULATORS Basic Loan Repayments Bi-Monthly Repayments Comparison Rate Complete Loan Comparison Extra Repayments How Long to Repay? How Much Can I Borrow? Lump Sum Payment P & I / Interest Only Remaining Balance Reverse Mortgage Stamp Duty Split Loan What Can I Afford To Borrow? FINANCE CALCULATORS Achieve My Savings Target Budget Lease […]

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Commercial property and self managed super fund finance.

Commercial property and self managed super fund finance.

Compliant self managed super funds that remain compliant enjoy significant taxation concessions. 15% tax on the income of the fund 10% tax on the realised capital gains of the fund (held for more than 12 months) All borrowing activity must meet the following criteria: Funds should be borrowed to acquire an asset The asset should […]

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My NRAS finance valuation came in low – what do I do?

My NRAS finance valuation came in low – what do I do?

It has been said that less than 10% of all mortgage brokers really understand what NRAS is. Not all of those really know how to finance it. On a positive note NRAS finance is becoming more common and more main stream. More lenders are accepting NRAS but this does not mean that every individual that […]

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Case Studies

Case Studies

See exactly how we can help you get the home loan that is right for you.

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How much extra can I pay into my super fund?

How much extra can I pay into my super fund?

Subject to certain exceptions (mentioned below), the following table sets out the concessional cap for the income years indicated: Income year Amount of cap 2008-09 $50,000 2009-10 $25,000 2010-11 $25,000 2011-12 $25,000 2012-13 $25,000

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How much will my super contribution rise over the next few years?

How much will my super contribution rise over the next few years?

Increase in the charge percentage for Super The Superannuation Guarantee (Administration) Amendment Act 2012 incrementally increases the charge percentage from 9% to 12%, phased in from 1 July 2013 to 1 July 2019, as shown in the following table.   Year Rate (%) 2013-14 9.25 2014-15 9.5 2015-16 10 2016-17 10.5 2017-18 11 2018-19 11.5 […]

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What is the regulatory environment around superannuation funds and SMSF’s?

What is the regulatory environment around superannuation funds and SMSF’s?

A superannuation fund that wishes to benefit from the taxation concessions in the Income Tax Assessment Act 1997 (ITAA 1997) is required to satisfy certain provisions contained in the Superannuation Industry (Supervision) Act 1993 (the SIS Act) and the Superannuation Industry (Supervision) Regulations 1994 (the SIS Regs). One such requirement is that the fund must […]

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What is a Superannuation Fund?

What is a Superannuation Fund?

Superannuation is commonly, though not always, provided by means of a superannuation fund. Broadly, a superannuation fund is a fund, or trust, established for the purpose of providing superannuation benefits (either in a lump sum or as a periodic pension). A superannuation fund has a trustee and beneficiaries, with the latter usually referred to as […]

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What is Superannuation?

What is Superannuation?

Superannuation is a specially designed long-term savings system, with the benefit that the savings will predominantly be used for retirement. In recent decades, the Australian Government has encouraged the use of superannuation in order to reduce the dependence of older Australians on the age pension.

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Resident V’s Non Resident for Tax Purposes

Resident V’s Non Resident for Tax Purposes

Residents: Individuals benefit from the: • Tax-free threshold in the progressive income tax rate scale for residents (apportioned if a part-year resident) • 19% rate band in the income tax rate scale • Tax offsets (e.g. the means-tested private health insurance rebate) Non-Residents: Individuals pay income tax at special rates (without the benefit of a […]

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Fixed Rate 4.69%* Is it suitable for you?

Fixed Rate 4.69%* Is it suitable for you?

One of our panel Banks has continued to be the leader in fixed rates. The lender is offering a 3 yr fixed rate at 4.69% (the comparison rate on this works out to be 5.21%). Fixed  rates are popular at the moment but this offering is not available to all customers. To find out if […]

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