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Lending Calculators

What will my home loan repayments be?

See the impact of changing the total value of the loan, term and interest rate. You can also find out how much difference paying a little more now could make over the long term by increasing regular repayments or making a ‘one off’ lump sum payment.

How much can I borrow to buy a house?

This is a handy tool for those people looking to get an idea of how much money they could borrow to buy a home. In addition to annual income, you can also specify other income such as rent, commission etc.

Buying A Home

Buying a home can be one of the most exciting times of your life. Being prepared means you’ll get to enjoy the experience!

We hope these tips and suggestions on buying a home make your experience outstanding. This information is provided as a guide only; we suggest you use it as a launch-pad to your own research.

Research the loans available

Before choosing a loan, research the loans available. We have access to a variety of loans from different providers including fixed and floating rates.

Calculate how much you can borrow

Investing in Property

The investment property market can be a minefield, so it pays to do some research first. This information is provided as a guide only. We suggest you use it as a launch-pad for your own research.

Understanding the market, choosing the right type of property and knowing how to avoid the hazards are the keys to making property investment work for you.

Here are a few pointers to begin your research.

A business decision

Building a Home

Building a new home is complex, especially starting from scratch with just a block of land. It requires planning, preparation, organisation, management and know how.

But don’t be discouraged – millions of people have done it before you. Here are a few tips and guidelines to help ensure you succeed. This information is provided as a guide only and you should rely on your own research.

Rural Lending

You can tailor our term and seasonal rural loans to suit your needs.

Term loans – can help you purchase capital items. You make regular payments of principal and interest

Seasonal loans – are like a large overdraft facility – they tide you over when cashflow is low. You can deposit and withdraw funds any time.

The amount you can borrow depends on your farm’s income, the property you want to buy and many other factors including your farming background, qualifications and experience.

Contact Us early on and see how we can help.

Looking to invest?

If you’ve been considering buying an investment property, then you may choose to take advantage of the current buyer’s market where positive cash flow properties are becoming increasingly common.

Remember that buying a rental property is very different to buying your own home, so keep your emotions in check and consider the following:

The downside of repayment holidays

With costs of living escalating and redundancies becoming commonplace, AMP Advisers are increasingly being asked about mortgage repayment holidays.

The simple truth is, there’s never a good time to take a repayment holiday. While it may ease cash flow problems in the short-term, it may cost you money in the long-term.

Pay off the mortgage or save?

“Pay off the mortgage before you start saving.” If you look at some sources of information that offer advice on saving effectively, you may find this is their advice. However, it is not always this simple.

The key argument for this advice is based around comparing returns. Assume a mortgage rate of 9% and a current interest rate of, say, 6%. You have an economic choice as to where to place your next saved dollar. You could put it towards paying off your mortgage, or you could invest it for a return of 6%.