We can help you make an informed decision when choosing the Right Finance. 
 
The Finance Right service will assist you with your mortgage needs from a range of over 30 lenders and more than 500 loan products.

We will assess your current position, take into consideration your future goals and tailor a finance package to assist you in achieving them. We’ll work with you from the time you have a vision for your future through to settling your funding requirements and beyond.
 
We will make it a convenient and easy process that will save you time and money.
 
Contact Us Now to see how we can help.

SMSF Lending

Self Managed Superannuation Fund
 

Are you sick and tired of your superannuation not performing? Did you know you can use it to borrow and buy an investment property within your super fund?

Since September 2007 super funds have been permitted to borrow money (on a limited recourse basis) to purchase investment properties. These changes could assist astute investors to increase their wealth and enjoy tax free income in retirement.

What are some of the potential benefits of doing this?

- Take control of your super and make all of the investment decisions

- Pay the deposit from your current super balance

- All rental income is paid into your super fund assisting your retirement planning

- Rental income in a super fund is taxed at a maximum of 15% and can be as low as 0%

- Capital gains in a super fund are taxed at a maximum of 15% and can be as low as 0%

- 0% income tax on earnings of the fund and 0% capital gains tax on the sale of your property once you are over 60 and your super is converted to a pension

What else do you need to know?

There are a number of requirements that need to be met for the loan and the investment to comply with the Superannuation Act. You will also need to set up your own Self Managed Super Fund which carries additional roles and responsibilities that you will need to consider. For this reason we strongly recommend that you seek professional advice so please contact us to arrange a personal appointment with the specialist firm we use in this area.

We run educational sessions on the topic so please contact our office if you would be interested in attending or obtaining further information.

This article has been contributed by Sabre Wealth Management P/L, Corporate Authorised Representative (#342674) of Sentry Financial Planning (AFSL #24710). The material contained herein is not a recommendation and it does not take into account any persons particular objectives, needs or financial situation. Before making a decision based on the material persons should assess whether it is appropriate to their objectives, needs or financial situation. Persons may wish to make this assessment themselves or seek the help of a professional adviser. No responsibility is taken for persons acting on the information provided. Persons doing so, do so at their own risk.

 
 

Home and Investment Loans

Making sense of the mortgage maze
 
 
With so many different lenders and home loan products in the marketplace today, making a decision on the loan that best suits your individual needs can be a challenging task. Listed below is an explanation of the various loan types that may help in your endeavour.

We specialise in helping you Finance Right the first time. We have access to over 20 lenders with more than 500 products available. We can give you choice and flexibility. Don't let your bank tell you about THEIR ONE best option that they have available!!! We can take you through options from over 20 banks, this could save you thousands of dollars over the life of the loan.

Our service is FREE to you, the Banks pay us.  Take advantage of our Free Finance Health Check service and Contact Us now for further information.

 
 
 
 
 
Basic Variable Rate Loans
 
Basic variable rate loans are extremely popular due to their low interest rates. The trade-off with some these types of products is that they are limited on features and may end up costing you more than a flexible loan that may suit your day to day needs better.
 

For further information Contact Us now.

Standard Variable Rate Loans
 
Standard variable rate loans are known for their flexibility and features. Partly fixing, loan splits, offset, additional repayments and redraw are usually standard with this type of product.
 

For further information Contact Us now.

Fixed Rate Loans
 
Fixed rate loans protect borrowers against interest rate rises for a given period of time although work against borrowers when rates fall. Fixed rate loans are popular amongst investors and home owners that require a level of security when forward planning their repayments.
 

For further information Contact Us now.

Combination or Blended Loans
 
Combination or blended loans allow borrowers to spilt their home loan into a partly fixed and variable portions. This provides borrowers with the flexibility of a variable rate product and added certainty of a fixed rate loan.
 
For further information Contact Us now.

Equity Loans or Lines of Credit
 
Equity loans or lines of credit allow borrowers to unlock the equity in their properties for any worthwhile purpose such as renovating, investing, motor vehicles, children's education, etc. These types of products provide a low cost option to other forms of personal lending with the flexibility of allowing interest to capitalise.
For further information Contact Us now.

 
Low-Doc Loans
 
Low-doc loans are a great solution where borrowers can afford the loan repayments but are unable to disclose full income details. Low-doc loans are popular amongst self employed applicants or where they have an irregular income stream.
 
For further information Contact Us now.

 


Commercial Loans

Term loans, Development funding, Business Loans, revolving lines of credit & interest only loans
 
At Finance Right, we have access to a wide range of commercial lenders and their products to help facilitate the ongoing finance needs of your business or enterprise.

So if you're looking at purchasing, developing or refinancing commercial land or property, talk to Finance Right for the best way to structure your commercial funding.



Please contact us for further information