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Considering applying for a home or investment loan? Our mortgage calculator tools will help you make the right decision. Take a look at our comprehensive list of mortgage calculator tools on our mortgage calculators page.

Wealth Maximiser Investor Assist

The ATO has recently published an edited version of a Private Ruling on its website.

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. Read more >>

Federal Labor's Low Tax First Home Saver Accounts

A Rudd Labor Government will help aspiring first home buyers save a larger deposit by establishing new, low tax, First Home Saver Accounts. First Home Buyer Read more...

Mortgage managers vs banks

Why choose a mortgage manager over a traditional bank? Click here to view
the RBA's (Reserve Bank of Australia) statistics on Australian Housing Interest Rates.
Mortgage manager rates have been consistently below those of the banks. Enjoy lower rates and exceptional personal service with Austral Mortgage. Click here for testimonials.

THE UPS and DOWNS of MORTGAGE RATES

A 12 year old asks some insightful questions about mortgage rates and what causes them to rise and fall. A number of factors will cause mortgage rates to increase. Read more...

What should I be looking for when I refinance my loan?

Want some guidance about the refinance of a mortgage? Here is an article that outlines the critical factors that often drive the refinance of a home loan Read more...

Wealth Maximiser

Lastest advice received from the ATO Read more...

Is refinancing a viable proposition for you?

Have you thought about a refinance of your mortgage? If so, here are a number of matters you should consider before you refinance to ensure that before spending time or money, you establish that the refinance exercise is a worthwhile one for you. Read more...

The mortgage calculator has become an important resource tool when purchasing a property

More and more people today make use of a mortgage calculator when they are looking for a property and a mortgage to finance the purchase. A mortgage calculator will give you a good guide to your purchasing power – generally driven by your income and asset position. Read more...

The benefits of using a loan calculator when borrowing in Australia

Do you know about the mortgage calculator resource tool? A mortgage calculator can help you determine your borrowing capacity and demonstrate the savings you will enjoy if you make additional payments to your home loan. Read more...

«
01Wealth Maximiser Investor Assist
02Federal Labor's Low Tax First Home Saver Accounts
03Mortgage managers vs banks
04THE UPS and DOWNS of MORTGAGE RATES
05What should I be looking for when I refinance my loan?
06Wealth Maximiser
07Is refinancing a viable proposition for you?
08The mortgage calculator has become an important resource tool when purchasing a property
09The benefits of using a loan calculator when borrowing in Australia
»
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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: Wednesday, 8th October, 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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