‘Refinance’ Articles at Sydney Mortgage Brokers MortgageCorp

admin — Fri, 09 Oct 2009 04:45:18 +0000

Challenger commercial loans has advised many of their customers that they will not extend existing Commercial Loans when they reach the end of their term.

If you have a challenger loan expiring in the next 6 months please contact us today. We have a number of lenders that are willing and ready to take over the challenger business. The market is tight for commercial funding and to ensure that you are able to complete a refinance before the loan term expires we suggest that you contact us as soon as you are notified that your loan will not be extended.

Call Mike on 0411 222 551 or use our contact form in the sidebar.

Challenger Commercial Loan Refinance is a post from: Sydney Mortgage Brokers MortgageCorp

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‘Refinance’ Articles at Sydney Mortgage Brokers MortgageCorp

admin — Mon, 14 Sep 2009 02:32:45 +0000

ANZ Interest-in-Advance Residential Investment Loan for property investors

This loan can benefit you in a number of ways. By paying interest up front for a fixed term this loan offers you a lower rate than our standard ANZ Fixed Rate loan. It also offers flexibility with regard to repayments frequency and fixed rate terms. Plus there are no ongoing fees. Taxation benefits may also apply via negative gearing. We recommend you discuss this with your Accountant or Financial Advisor.
You can even make additional repayments up to a set tolerance* each year of the fixed rate period, without triggering an early repayment cost calculation.

Principal repayments are deferred on this loan until the fixed rate period has ended. Once the fixed interest-in-advance period has expired the rate automatically reverts to the ANZVariable Residential Investment loan rate.

Purpose
Fund purchase of residential investment property such as a house, holiday house, unit, apartment or town house to let.

Repayments
Interest-in-Advance repayment options allow you to pay annually, half-yearly, quarterly, or monthly in-advance. Repayment of the principal portion of the loan is deferred until the Interest-in-Advance term is complete. Once the Interest-in-Advance term is complete, repayments can be made weekly, fortnightly or monthly. These repayments can be automatically debited from your ANZ Access account or from an account held at another bank.

Lock Rate Option
With ANZ Interest-in-Advance Residential Investment Loan the interest rate that will apply is the rate for the term you select as at the day you settle your loan. However, if you would like to ‘lock in’ the interest rate current at the time you apply you can do this with ANZ Lock Rate. By paying a Lock Rate fee, the rate is ‘locked in’ for up to ninety days, protecting you from the potential risk of interest rates increasing before you drawdown your loan. Lock rate gives the extra security of knowing exactly what your repayments will be for a set period.

Lenders Mortgage Insurance
With Lender Mortgage Insurance we can lend you up to 90% of the purchase price. To find out more please enquire at any ANZ Branch or call 1800 333 123 for more details.

Negative gearing
For advice about how negative gearing could work for you, and to ensure that any requests by you to the Australian Taxation Office (ATO) are accurate, we recommend you consult your accountant or financial advisor.

ANZ Rapid Refinance. Why wait?
Has an ANZ loan caught your eye? ANZ Rapid Refinance# allows you to quickly switch your current loan to ANZ in only a matter of weeks. So, you will benefit from your refinance plans far quicker than usual. ANZ Interest-in-Advance Residential Investment Loan

Interest Rate
For the latest Interest Rates, visit the MortgageCorp Mortgage Calculator
Lock Rate
Yes, Lock Rate is available on the 1-5 Year Fixed Rate Residential Investment Loans maximum amount $1,000,000.
Lock Rate fee applies ($600 plus 0.15% of loan amount)

Term
Interest-in-Advance term – 1 to 5, 7, and 10 years
Overall loan term – 30 years

Minimum amount
$20,000
Interest-in-Advance repayment
Annually, half-yearly, quarterly, monthly repayment options – Interest-Only

Fees
Standard loan approval fee applies.

Repayment options when loan converts to Variable Rate
Weekly, fortnightly or monthly
Additional Repayments
Additional repayments can be made up to a set amount known as a tolerance*.
Repayment source
Repayment can be made by Direct Loan repayment (DLP) or Deposit Book

Talk to MortgageCorp today
If you’re ready to invest in residential property, talk to your ANZ manager today. We’ll work with you to prepare exactly the right loan to suit your needs today, and structure it to suit your needs in the future. Like more information? Visit our website at www.anz.com, Phone the Property Investor’s Hotline on 1800 333 123 8am – 11pm EST seven days a week, or visit any ANZ branch.
Further information
This Fact Sheet contains general information about the ANZ Interest-in-Advance Residential Investment Loan option. It does not form part of the Terms and Conditions.
#All applications are subject to ANZ’s normal credit approval criteria. Terms and conditions available on application. Fees and charges are payable.

ANZ Interest-in-Advance Residential Investment Loan for property investors is a post from: Sydney Mortgage Brokers MortgageCorp

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‘Refinance’ Articles at Sydney Mortgage Brokers MortgageCorp

admin — Mon, 14 Sep 2009 01:13:43 +0000

ANZ Residential Land Loan
How does the ANZ Residential Land Loan work for you? An ANZ Residential Land Loan is a competitively priced loan to help you purchase land, on which you intend to build a home within three years. When you are ready to build, ANZ can help you finance this with any one of our award winning Home Loans.

Purpose
Purchase of residential land, to build a residential property within three years.

Benefit
The benefit of an ANZ Residential Land Loan is that you can start paying off the land while you plan your dream home.

ANZ Offset Accounts
Even better than making extra repayments direct to your ANZ Residential Land Loan is making them to a linked ANZ Offset account.
Instead of making extra repayments direct to your ANZ Residential Land Loan, consider making them to a linked ANZ One account. This account provides 100% mortgage offset on your linked loan, but you can access your funds at anytime.
Please refer to ANZ One Fact Sheet for more information.

Flexible repayments
You can choose weekly, fortnightly or monthly repayments as well as making lump sum reductions. This will shorten the loan term, and may save you thousands of dollars. Whatever suits your needs, ANZ is there for you! Plus you can make interest only payments for up to three years. Repayments can be made by using a Direct Loan Payment (DLP).

Fee free transaction banking on linked account **
As a Variable Rate Residential Investment Loan customer, you have the option of an ANZ Access Advantage account that is free of monthly service and ANZ transaction fees.

No monthly ongoing fees
Another benefit of an ANZ Residential Land Loan is that you do not have to pay any on-going monthly fees.

Money magazine’s Home Loan Lender of the Year 2008, 2007, 2006 and 2005.

ANZ Residential Land Loan
Interest Rate
For the latest Interest Rates visit www.anz.com, call 1800 035 500 between 8am-11pm (EST) seven days a week, or visit any ANZ branch.

Term
Up to 30 years

Fees and Charges
Fees and charges may apply. Refer to ANZ’s Personal Banking General Fees and Charges brochure.

Repayment frequency
Weekly, fortnightly or monthly
Interest only up to 3 years is available
Additional repayments
Additional repayments can be made at any time

Repayment Source
Repayments can be made by Direct Loan Payment (DLP) from an ANZ account or by Deposit book

Loan size – Min
$20,000

Repayment options
Principal & interest or
Interest only for up to 3 years
Further information
This Fact Sheet contains general information about the ANZ Residential Land Loan. It does not form part of the terms and conditions.
#All applications are subject to ANZ’s normal credit approval criteria. Terms and conditions available on application. Fees and charges are payable.
Australia and New Zealand Banking Group Limited.
** Salary must be deposited into the transaction account to obtain the fee benefits.

ANZ Residential Land Loan is a post from: Sydney Mortgage Brokers MortgageCorp

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‘Refinance’ Articles at Sydney Mortgage Brokers MortgageCorp

admin — Fri, 11 Sep 2009 04:57:13 +0000

How does the ANZ Standard Variable Rate Home Loan work for you?
This is the most versatile of all ANZ Home Loans. The ANZ Standard Variable Rate Home Loan is designed for people who need flexibility. This home loan comes with a number of features that can help accommodate changes in your circumstances.
Flexible repayments
An ANZ Standard Variable Rate Home Loan provides you with a choice of flexible repayment options. You can pay weekly, fortnightly or monthly, enabling you to organise repayments to suit your needs. And you can make additional repayments whenever you wish.
ANZ Offset Accounts
Even better than making extra repayments direct to your Home Loan is making them to a linked ANZ Offset account. Instead of making extra repayments direct to your Home loan, consider making them to a linked ANZ One account. This account provides 100% mortgage offset on your linked loan, but you can access your funds anytime.
Please refer to the ANZ One Fact Sheet for more information.
Redraw
If you make additional repayments to your ANZ Standard Variable Rate Home Loan you may redraw these funds for your future needs. You may be considering renovating, purchasing a new car or even wishing to go on that dream holiday. With redraw on your loan you have access to these advance payments without having to go through another loan application process.
To be eligible for redraw ensure you register at your home loan application interview.
Fee free transaction banking on linked account*
As a Variable Rate Residential Investment Loan customer, you have the option of an ANZ Access Advantage account that is free of monthly service and ANZ transaction fees.
ANZ Rapid Refinance. Why wait?
Has an ANZ loan caught your eye? ANZ Rapid Refinance# allows you to quickly switch your current loan to ANZ in only a matter of weeks. So, you will benefit from your refinance plans far quicker than usual.

Money magazine’s Home Loan Lender of the Year 2008, 2007, 2006 and 2005.

Interest Rate
For the latest Interest Rates, visit our Mortgage Calculator, call 02 8014 288
Term
Up to 30 years
Fees and Charges
Fees and Charges may apply. Refer to ANZ’s Personal Banking Fees and Charges brochure for details of current fees.
Repayment frequency
Weekly, fortnightly or monthly
Interest only up to 10 years is available
Additional repayments
Additional repayments can be made at any time
Repayment Source
Repayments can be made by Direct Loan Payment (DLP) from a listed ANZ account or by salary credit
100% Mortgage Offset
ANZ One
Other
Free $1,000 ANZ Assured facility on either an ANZ Access or ANZ One cheque and savings account linked to the loan.
#All applicants are subject to ANZ’s normal credit approval criteria. Terms and conditions available on application. Fees and charges are payable.
This material does not take into account your personal needs and financial circumstances and you should consider whether it is appropriate for you. ANZ recommends you read the Product Disclosure Statement or terms and conditions
*Salary must be deposited into the transaction account to obtain the fee benefits.

ANZ Standard Variable Rate Home Loan is a post from: Sydney Mortgage Brokers MortgageCorp

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