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Home Buyers


Thinking to buy a home and not sure where to start, or unsure what's required to get approved for a home loan? 

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Home Buyers


Thinking to buy a home and not sure where to start, or unsure what's required to get approved for a home loan? 

Home Buyers


We provide you with advice for the right home loan being suitable to your needs.

Because we are the professionals when it comes to providing the mortgage advice, we ensure our clients get the personal treatment they require.

Our advisers are extensively trained and knowledgeable of the latest products and services available, therefore our clients truly rest assured that we will always find the right product to match their needs.

Our commitment to first class comparative technology backed up by extensive ongoing development and having the right relationships gives us the point of difference.


At Assertive Financial Group we provide a diverse range of home loan products and services including:

 

  1. Variable Interest Rate Home Loans

  2. Fixed Rate Home Loans

  3. Split Home Loans - Fixed and Variable

  4. Introductory & Honeymoon Home Loans (first home buyers)

  5. Professional Home Loan Packages (offset, credit cards)

  6. Line of Credit - Equity Home Loans

  7. Investment Home Loans

  8. Second mortgages

  9. Bridging Finance

  10. Foreign Lending (FIRB approved)

  11. Medical Practitioner Lending

  12. Defence & Veteran Lending

  13. Other types of specialist Lending

 

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Refinancing


Refinancing your home loan has never been easier

Refinancing


Refinancing your home loan has never been easier

Refinancing


Is your current home loan still meeting your needs?

Thinking to get a line of credit for planned renovations, consolidate debts, or wanting to release some equity whatever the plans might be we're here to help.

With endless types of home loan products available to choose from, we're here to help you chose the right product suitable to your needs.

With fluctuating interests rates, it’s essential to select the loan that’s absolutely right for you.

 

Why you may look to refinance:

 

  • Peace of mind with a fixed/split rate 

  • Want to ensure your home loan is right for you

  • Consolidate existing finances such as credit cards, personal loans or other debts.

  • Release equity to renovate

  • Purchase an Investment Property

  • Purchase a new home

 

Whatever your circumstances, it pays to talk to our specialist home loan advisor's to get the best advice. 

 

Our Financial Health Check Page is a great way to start!

 

 
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Asset & Equipment Finance


Asset & Equipment Finance


Asset & Equipment Finance


Car Finance

Assertive Financial group hold direct accreditations with the majority of asset lenders ensuring you receive the most competitive package for your needs.

Whether your are planning to purchase a vehicle for private or work purposes or simply to upgrade existing operational assets such as kitchen equipment or computer peripherals, Assertive Financial Group will be more than happy to assist with your requirements.

Our finance solutions offer you the opportunity to:

  • Access flexible end of term options

  • inance a vehicle in mind

  •  Avoid significant advance cash outlay, freeing up cash flow for other expenses

  • Eliminate the risk and cost associated with obsolete equipment         

  •  Structure your payments to match your business or individual requirements


Finance Leasing

Finance Lease

Preferred by small businesses and individuals who like to acquire the asset at the end of the lease by proposing to pay the agreed residual value. Finance Term, residual and rental frequency can be structured to suit a client's needs, or to maximise taxation savings throughout the lease term.

For example, if you are PAYG and receive a car allowance of approximately $15,000 per annum you could comfortably service a vehicle purchase of $60,000 with a 20% residual over 5 years.

In the event you are self-employed and have had a running ABN for a minimum of 24 months "express finance" can be obtained to purchase a vehicle without the need for supplying financials.


Earthmoving

Operating Leases

Larger organisations and Government departments consider Operating Leases as they are treated as an "operating" rather than a "capital" expense.

For example, Equipment can be acquired against an operating budget without the need to obtain capital expenditure approval. Both the asset and liability remain off the balance sheet, which leaves gearing ratios unchanged. 


Kitchen Equipment

Chattel Mortgage / Hire Purchase

Chattel Mortgage and Hire Purchase (also known as Asset Purchase) are usually preferred by sole traders or smaller organisations who prefer to own their equipment/asset outright at the end of term. This type of product often suits cash-flow as a GST input credit can be claimed in advance with terms available for up-to 5 years.

For example, if you are in the process of upgrading computers or looking to upgrade kitchen equipment this could be a suitable option to fund your purchase.

It is always recommended to seek advice from an accountant prior to selecting the type of finance as this will assist determining the most suitable facility and structure for your requirements.

With competitive finance rates available from 5.00%* it makes sense to speak to our Asset Finance & Leasing Specialist on how we can assist you with obtaining asset finance suitable to your needs.


*5.00% based on the following attributes.

  • A clean credit rating, no defaults or late scheduled repayments over the previous 24 months
  • Generally home owners (property unencumbered)
  • Highly stable in residence and professionally employed
  • Strong asset portfolio – total assets much greater than liabilities
  • Subject to nominated financiers lending criteria
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Financial Health Check


Financial Health Check


financial Health Check

The lending market is changing and evolving, equipped with new offers and varied interest rates and in response to this our team of financial specialists are continually developed and informed on market changing conditions and lender policies to assist with making informed decisions for our clients.

 

  • Had your Home Loan for more than 12 months? 

  • Has your current situation has changed and your existing home loan is no longer suitable?

  • Want to ensure your existing lender is working hard for you?

  • Got personal debts that require consolidation and not sure where to begin?

 

Chances are there's a better offer that can potentially save thousands off your current loan facility.  

Why not take advantage of our Home Loan Health Check? It is completely FREE and there's absolutely no obligation. 

We can complete your Home Loan Health Check face to face or over the phone, whatever is most convenient for you, simple complete your details below and we look forward to working with you.

 


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Property Investment


Investing in property can be a challenging landscape and getting right advice is your best option.

Property Investment


Investing in property can be a challenging landscape and getting right advice is your best option.

Property Investment


Property investment is becoming more prevalent amongst Australians.

A property investment  can provide potential tax savings. Many of the costs of owning a rental property can be tax deductible, making your investment more affordable.

Unlocking equity from existing assets or using liquidity wisely can foster successful  investment, portfolios, we discuss the risks and benefits of each scenario ensuring the right loan structure for long term success.

There are two main types of property investment to choose from. Residential property; including houses, units or townhouses. Commercial property made up of offices, shops and warehouses used for business purposes.

Residential properties tend to experience lower vacancies and higher demand.  A commercial property can offer longer leases. However most investors prefer residential property because it’s something we are usually more familiar with.

An investment property can be held in your own name, owned jointly with a friend or partner, or held in a trust or company.

You can also hold your investment property in a self-managed super fund. Either way, it’s important to get the ownership structure right at the time of purchasing the investment property as it can be costly to alter the title deeds for the property later on.

A key decision is whether you want to be a hands on and manage the investment property yourself. You can choose the convenience of using a  property manager, but this will result paying property management fees.

If you want to find out more, contact us now to get assistance to finding the most suitable investment property loan for you.

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Mortgage Calculators


Mortgage Calculators


Mortgage & Budget Planning Calculators

 

Need a simple way to calculate loan repayments or work out your borrowing capacity, what your basic loan repayments will be or even compare loan products?  

These free easy-to-use online calculators can help you do that and more for free thanks to our our real estate partners at domain.com.au

 


Loan repayment calculator

Our Loan Repayment Calculator estimates how much you could be paying fortnightly, weekly or monthly.

Enter the loan amount, the preferred repayment type, the estimated interest rate quoted by our team, and the term which is usually 30 years.

One easy tip would be to schedule your home loan repayments at the same time you get paid, this will assist with budgeting and future planning strategies.

This calculator is best used in conjunction with our Borrowing Power Calculator and will provide an estimate of your borrowing capacity.

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“Important note: Our calculators provide estimates only. Lenders consider a range of criteria when assessing applications and providing home loans. Please consult your financial adviser before applying for a loan.” 
 


mortgage calculator

What type of loan will you need for your dream home? What will your monthly repayments be? Our Mortgage Calculator provides helpful financial information for those starting out on their property search.

Simply enter the property price, include any savings and government grants for the deposit and the term of the loan.

Don't forget to include 5.5% stamp duty which is calculated on the purchase price to provide you with a more accurate indication.

# The comparison rate includes the other costs and fees in a typical home loan, as well as the interest rate, to help identify the true cost of your loan.

Your estimated monthly repayment is based on the above interest rate. Note that your repayments may change if the interest rate changes.

 

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“Important note: Our calculators provide estimates only. Lenders consider a range of criteria when assessing applications and providing home loans. Please consult your financial adviser before applying for a loan.” 


borrowing capacity calculator

Ever wanted to know what how much you could borrow?

Our borrowing capacity calculator estimates how much financial institutions may lend you.

Simply enter the loan amount, the property purchase price, your deposit and combined annual household income. 

This calculator estimates your maximum loan and total interest payments.. Select the repayment frequency (monthly, fortnightly or weekly) to view the estimated amount of each repayment.

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“Important note: Our calculators provide estimates only. Lenders consider a range of criteria when assessing applications and providing home loans. Please consult your financial adviser before applying for a loan.” 


budget planning tool

How much can you afford in mortgage repayments? Will you need to change your spending habits? Our Budget Planner tool allows you to see both income and expenses visually so you can assess cash flow.

First, fill in your income details. Select ‘Next’ to add your household expenses, ‘Next’ again to fill in your living expenses (singles $1250, couples $1500 and family $3500) and ‘Next’ one last time to view the summary chart.

Select ‘Previous’ to go back through your income and expenses if you need to make adjustments, such as changing the home loan repayments.

 

Powered by Domain

“Important note: Our calculators provide estimates only. Lenders consider a range of criteria when assessing applications and providing home loans. Please consult your financial adviser before applying for a loan.”