Finance

Did you know that there are more than 2000 different mortgage loans available in Australia?

Yes, it is true and it is also true that most banks don't tell you about their best loans, and it makes sense when you consider that they want you to take out the loans that make the bank the most money.

Complete Finance Management

These days with so many different loans and lenders in the market, you might rely on a mortgage broker to do the legwork for you. Mortgage brokers may be able to help you find out about suitable loans and arrange special deals for you.

Residential home mortgages ( including first home buyers)
Investment Loans for residential and business purposes
Construction Finance

CFM offers ongoing review of your mortgage and your financial position and offering mortgage reduction strategies.

Spend less earn more
Resolve to eliminate your debts as your main priority.
Budget Planner for your income and expenses
Cut your expenses
Debt Consolidation

First Appointment is at our Cost

Our Consultant will meet with you at your home or office. After hours or weekend appointments are more than welcome.

Free Service - unlike some mortgage brokers, there is no charge for our service. Our only payment is the commission we receive from the contracted lending institution.

Reputation - we stand by our reputation. As our business is mainly generated through word of mouth recommendations, we always strive to do our best by our clients. All our mortgage brokers comply with federal and state legislature.

Bad Debt Good Debt Start Debt

Getting rid of “Bad Debt” and getting into “Smart Debt” can help you achieve Financial Freedom.

Bad Debt is borrowing money usually at a higher rate to buy something destined to go down in value such as a motor vehicle or a plasma T.V.- No tax advantages.

Good Debt is the unpaid mortgage on the property we live in. Whilst interest repayments are not tax deductible the home has the potential grow in value of the long term.

Smart Debt is to borrow funds at a lower rate to purchase an income producing asset, the interest cost is tax deductible and the asset grows in vale over the long term.

Tax effective Investments

Tax Effective Investments

Tax Planning is crucial in short term minimization and long term wealth creation.

Unlocking the equity in your home to finance an investment property is a great way of putting your property to work for you.

Up to 100% legitimate tax deduction on the initial investment
100% Finance option available
Provides an income stream
Diversification of investment portfolio

Negative gearing

Negative Gearing comes into play on the money borrowed for an investment when the expenses are greater than the income it generates. If, for example, your rates, bank fees, insurances and interest on the loan add up to more than the rental income, you should be able to claim the difference as a tax deduction.

“When the cost associated with owning an Investment Property exceed the rental income, this negative cash flow can be used to offset other taxable incomes in the form of tax deductions and refunds.” (source A.T.O.)

 * always consult with an accountant or tax adviser before making any financial decision