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Author: admin | Category: Calculatrice Pret Auto | Date: 03.04.2015

If you are thinking of buying an investment property, it’s best to think about it rationally rather than emotionally. At Westpac, while we agree that finding the right location is paramount, we would also suggest that you carry out extensive research to make sure you purchase the right property for your specific investment strategy.
Put yourself in your potential tenants' shoes and try and work out what will make them want a property.
It may be worthwhile seeking out the best property managers in the areas you are searching. Our Westpac Home Loan Experts can guide you through the journey of buying an investment property and provide you with various tools to calculate your budget and help make the process easier.
An interest only loan minimises your monthly mortgage repayment as you pay only the interest component on the loan. Link your loan to a 100% Offset Westpac deposit bank account Make deposits to or withdrawals from the offset account, without affecting the size of your loan.
Whatever you decide to do, we have the expertise and advice to help you achieve your goals.
Whether you are looking to buy your first home, renovate, refinance or invest, we’re here to negotiate the right home loan for you. We start by meeting you at a time and place that suits you – at home, at work or over a coffee; during the week, at night or over the weekend – we’re always flexible. Having a broker negotiate finance on your behalf is the smart way to go as they look to save you time, stress and money. You might still be saving for your first home, wishing to use the equity in your current one, or wondering if you’re getting the right possible deal with your existing lender. Take advantage of our 20 clever calculators including our borrowing power calculator, our loan comparison calculator and our extra repayment calculator. We have access to hundreds of loans from a wide variety of lenders and will work with you to find the loan that suits your individual circumstances. Choices Offset gives you the ability to use the balance of your eligible Westpac transaction and savings accounts to offset against your floating home loan – and only pay interest on the difference. Owning your own home is likely to be the biggest purchase you’ll ever make, so it’s no wonder we all want to minimise our home loan interest costs as much as possible.
To see how this can work for you, check out our examples on the following tab or have a play with numbers on our Choices Offset calculator here. If you don’t have any current savings but you start putting a little away each month you’ll increase the total amount you can offset against your floating home loan – this could save you thousands in interest repayments and cut years off your home loan.
In the example below, you’ll see putting away just $500 a month could save you $188,962 in interest and cut 5 years, 4 months off your home loan! With Choices Offset by linking up to 10 eligible Westpac transaction and savings accounts, could boost the amount you offset. Interest won't be paid on your linked savings accounts but withholding tax will not be paid on these accounts either.
With a table loan your regular payments are the same each time (unless interest rates change).
An interest only loan is where you pay the interest owing each fortnight or month but nothing off the loan principal.
With a reducing home loan you pay a set amount off the principal each time plus the interest you owe.

If you’re paying more than the minimum required you can reduce your regular repayments to any amount at or above the minimum.
We have access to more than 650 loans from a panel of more than 30 lenders, which means more choice!
Standard Variable Rate loans are fully featured loan offering flexibility & features such as the ability to make extra payments, redraw facility, split loan, or loan portability etc.
Some banks even offering offset account facility which means you could offset the interest on your loan account with the transaction account so you could reduce the interest paid over the term. Basic Variable Rate loans are popular because the rates offered are lot cheaper than the standard variable rate still with good feature such as ability to make extra repayments, or redraw. However depends on the lenders, the amount to redraw maybe restricted for certain amount & generally there are fees attached to it. Low Doc Loans are designed for people who are unable to provide financial information required to ascertain their borrowing capacity. Non-conforming loans are specifically tailored for borrowers that doesn't meet 'standard' bank criteria, this could be casual workers, non resident, borrowers with adverse credit history, lack of financial information or lack of deposit. Line of Credit is where the lender assigns you a credit limit secured against your property and you can access the funds just like your savings account via ATM, Cheque or Electronic transaction.
There are no set repayments because the interest charged on the daily balance and capitalized into the limit, some banks preferred the borrowers to make minimum interest payment for the month while the others don't. Below are some of the better interest rates from various lenders around Australia that include ANZ, NAB, Westpac, Commonwealth Bank, ING Direct, Bank West and many more.
If you would like to take advantage of speaking to one of our professional mortgage specialists to discuss which home loan or investment loan suits your needs please complete the form below. Commercial Loan Interest Rate Update July 2016 04:43 By Administrator .
About usSmart Search Finance is an Australian mortgage comparison website that helps you find products best suited to your lending needs. With access to hundreds of lenders and their representatives offering more than 3,000 products.
With as little as around $70 a week and the right deposit you could get started on the investment property ladder today. They may have local knowledge regarding prevailing rents, the preferred side of the street to purchase and general areas to avoid.
There are different ways of structuring an investment loan which may suit your particular circumstances. We’ll look at your current loans and financial circumstances and then research and find the right solution for you. We’ll work with our lender networks and contacts, securing your finance as fast as possible. We can help you arrange cover to keep the approval process moving quickly and hopefully save you some money. The range of calculators will help give you an idea of the amount you may be able to borrow and what the likely repayments may be.
We can ensure you’re armed with the all the information you need to help you on your way to owning your home, we will do the leg-work for you.

This could save you thousands on your interest repayments and cut years off your home loan.
The actual reduction in the home loan term will depend on individual circumstances and interest rates are subject to change. With Choices Offset, you can link their savings account to your floating home loan, reducing the amount of interest you pay on your home loan, without sacrificing your child’s education fund or combining accounts.
These could be self employed people who run their own business or other form of employment such as contractor, or investor. In most cases non-conforming loans charges higher interest rate than standard variable rate, the rates usually will determine by the situation of the borrowers. Most lenders now discounting their rates similar to the standard variable rate to make the product attractive, usually investors utilized this for wealth creation & expanding their portfolio.
Fixed interest rates are also falling and for the first time in 2 years we see a 2 year fixed rate fall below 6%.
The past month has seen variable commercial property loan interest rates have remained stable or have risen slightly by 0.10% for some products. We have one of the most comprehensive listing of mortgage based loans on the Australian mortgage market. He is thinking about using this amount to get into the investment property market, but is worried about the ongoing servicing costs for the investment property loan. We take care of the paperwork, manage the application process and then take it through to settlement. Most of banks are now very competitive in this market by offering standard variable rate option. After doing his sums he works out that the ongoing servicing costs could be as little as around $70 a week. Welcome Home Loan and Westpac’s current home loan lending criteria and terms and conditions apply. This information is of a general nature and does not constitute any recommendation, tax or financial advice. An additional fee or higher interest rate may apply to home loans if the application is accepted but does not meet the standard lending criteria.
You should consider the appropriateness of the information, having regard to your objectives, financial situation and needs and, if necessary, seek appropriate professional advice.
You can link up to ten eligible Westpac transaction and savings accounts for Choices Offset. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges.
You can get a copy of the current Disclosure Statement for Westpac New Zealand Limited from any Westpac branch in New Zealand free of charge.

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