HELPFUL CONTACTS

Emergency

In any emergency, please contact

000 (Fire / Police / Ambulance).

Domestic Violence Support

AUSWIDE: 1800RESPECT

1800 737 732

(24/7)

QLD: DV Connect:

1800 811 811

(24/7)

NSW: Domestic Violence Line:

1800 656 463

(24/7)

VIC: Safe Steps Family Violence Response Center:

1800 015 188

(24/7)

WA: Women’s Domestic Violence Helpline:

1800 007 339

(24/7)

SA: Domestic Violence Crisis Line:

1800 800 098

(24/7)

TAS: Family Violence Counselling and Support Service (Statewide):

1800 608 122

(9:00AM – Midnight Monday to Friday, 4:00PM – midnight Weekends and Public Holidays)

Financial Support

The National Debt Helpline:

1800 007 007

(9:30AM – 4:30PM Monday to Friday)

Moneysmart Website

(National project run by ASIC to assist with financial related topics)

Legal Support

QLD: Legal Aid Queensland:

1300 651 188

(8:30AM – 4:30PM Monday to Friday)

NSW: Legal Aid New South Wales:

1300 888 529

(9:00AM – 5:00PM Monday to Friday)

ACT: Legal Aid ACT:

1300 654 314

(8:30AM – 7:00PM Monday to Thursday, 8:30AM – 5:00PM Fridays)

NT: Northern Territory Legal Aid Commission:

1800 019 343

(8:30AM – 4:30PM Monday to Friday)

SA: Legal Services Commission of South Australia:

1300 366 424

(9:00AM – 4:30 PM Monday to Friday)

TAS: Legal Aid Commission of Tasmania:

1300 366 611

(9:00AM – 5:00PM Monday to Friday)

VIC: Victoria Legal Aid:

1300 792 387

(8:00AM – 6:00PM Monday to Friday)

WA: Legal Aid Western Australia:

1300 650 579

(9:00AM – 4:00PM Monday to Friday)

Hearing Impairment Services

Voice Relay Number:

1300 555 727

(24/7)

Support for Children

AUSWIDE: Kids Helpline:

1800 55 1800

(24/7)

Support for Men

Mensline:

1300 78 99 78

(24/7)

Mental Health Support

BeyondBlue:

1300 22 4636

(24/7)

Lifeline:

13 11 14

(24/7)

Questions? We've got answers!

Stamp duty is a tax that we pay when we buy a house and is payable when the home contract becomes unconditional. The stamp duty amount that you are required to pay is different in each Australian State. Note that stamp duty is an overhead fee and cannot be included in your home loan (stamp duty is not included in the Loan-To-Value Ratio calculation). Call our Home Loan Specialists on 1300 665 906 today to learn more about home loans as well as applicable stamp duties, fees, charges and concessions in your area.
Refinancing is available to any property loan product pending terms and conditions. Considering a refinance each year gives you a clear indication as to where you can be saving money- whether it’s a lower interest rate, through a cashback offer, or a product with lower fees. Being open to all options your Lending Specialist will discuss is crucial for the investment property refinancing process. Options tailored to your profile mean that you are getting the most competitive products supplied to you upon review.
Rental income helps to strengthen a clients application by injecting surplus income on the profile. For example, if a joint application is made for an investment property; both applicants incomes will be included in addition to the calculated or current rental income figure. EG: Having 3 contributing sources of income on an application provides for a lower risk application.
Several genuine tax deductions can be made for an investment property. These can include maintenance costs (upkeep of the dwelling, gardening, plumbing etc.), any property agent fees, and land taxes. We have partners that can assist in discussing what you can and can’t claim. Just ask one of our friendly Lending Specialists to find out more.
The general rule for a property loan deposit is between 20-30% of the purchase price as a minimum. The higher the deposit, the lower the risk is for the lender to offer the loan product. Speaking to your Lending Specialist will give you a clear indication of how much deposit will be required to propose an offer for the investment property.