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SPOTTING
THE RIGHT LOAN
Your
LoanSpot consultant will use unique loan calculating tools to make
choosing the right loan simple.
Our LoanSpotter software is able to
analyse a combination of loans simultaneously.
If
you are considering taking a honeymoon deal, a fixed rate, a discount
variable rate, a line of credit or a combination of some or all of these
loans, our software will calculate which lender has the best package.
LoanSpotter
also produces a "true interest rate" inclusive of all initial
and ongoing fees so your new loan will not contain any unexpected
surprises.
In
addition to generic values and ratios such as debt servicing ratio's,
deposit / equity required, mortgage insurance and the loan to value ratio, our software provides the following
real time information:
Information specific to each lender and
it's products:
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On-line access to product specifications
and
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The detailed upfront and ongoing costs
associated with each loan and it's individual products
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The real interest rate after fees and
charges on a product by product basis
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Specific serviceability calculation for
each lender
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Monthly, fortnightly and weekly
repayments
Other Data and Analysis:
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The interest saving using offset accounts
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Net income after tax using tax tables
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The expected term reduction if payments
are increased
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Negative Gearing analysis showing
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Net Rental Income per annum
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Estimated expenses based on
assumptions—including depreciation
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Total Investment Loss
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Tax benefit net after tax
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Debt servicing cash flow and
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Capital Growth for given growth rates
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Buy / Sell Calculator allowing what-if analysis of
different selling & buying prices including:
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