Why Quantum Finance?

At Quantum Finance we are able to provide professional credit solutions to complement any property advice or consultation that is provided by Quantum or others, to assist our clients get the best possible loan without the stress and with minimal hassle.

Our Quantum Finance specialist have the necessary qualifications to guide you to the best loan products from our panel of lenders from banks and non-banking finance providers.

Taking your personal circumstances and following discussions with one of our key representatives, we are able to search through these institutions for the best possible loan product that meets yours and your family's needs.

We help our clients looking to buy their first home, to a couple wanting to purchase their first, second or third investment property or a family looking to refinance their current home loan and people with a Self- Managed Superannuation Fund (SMSF) wanting to borrow to invest.

All of our services provided by Quantum Finance are completely FREE, as we receive commission from our lenders for assisting you with your finance so don't wait contact us now on 02 8823 5222 or make an Appointment, one of our finance specialist will be in contact with you shortly to arrange a meeting.

Get in touch with one of our finance specialist.

Get in touch now

If you thought choosing a property was difficult, just wait until you have to choose the home loan that will pay for it.

Here’s a checklist of features to look for before you choose a home loan:

1. Do I need Lenders Mortgage Insurance (LMI)?
If you have less than a 20% deposit, you may need to pay for lenders mortgage insurance. Lenders Mortgage Insurance is a premium payable by you the borrower that protects the lender (financial institution) against potential losses if you are unable to repay your loan. Learn more about Lenders Mortgage Insurance.

2. How much of a deposit do I have?
Different lenders offer loans with different Loan to Value ratios (LVRs). The LVR is the percentage of the loan amount that you are able to borrow from the lender.

3. What fees apply to the loan?
There may be several fees charged on different features of a home loan, including:

  • Application fees (also called establishment fee)
  • Property valuation fees
  • Ongoing fees such as annual fees
  • Late payment fee (also called default fee) (if you make a required repayment later than the due date)
  • Early exit fee (if you repay your home loan in full and close the loan before the end of the loan term)
  • Discharge fee (also called termination fees or settlement fees) (charged when you pay out your mortgage in full)
  • Break fees (also called break costs) (if you switch loans during a fixed rate term)
  • Redraw fees (if you use a redraw facility)
  • Account-keeping fee for offset account (if you have an offset account attached to your loan)
  • Lender’s Mortgage Insurance (LMI) (if you only have a small deposit on your loan)

4. What is the interest rate on the loan?
Lenders will typically display a current/advertised interest rate and a comparison rate.
The advertised rate generally is just the interest rate, and it does not include the cost of any fees or charges.
Meanwhile, the comparison rate calculates what the cost on that home loan product would be for a certain loan amount over a certain loan period, taking into account most fees and charges (Canstar’s comparison rates are based on $150,000 loan over 25 years). In addition, some lenders will have a honeymoon rate or introductory offer interest rate.

5. What’s the best type of loan for me?
Another home loan feature to look for is the decision between fixed or variable. You will need to weigh up the pros and cons for your individual circumstances to get the low-down on the benefits of both types of loan.

6. Does the loan have features important to me?
While interest rate, fees, deposit and repayment amount are important things to consider when taking out a mortgage, you should also check out what features are on offer in a home loan that you might be considering. Some home loan features to look for include:

  • An offset account
  • A redraw facility
  • Ability to make extra repayments
  • Ability to make lump sum repayments
  • Ability to split the loan between fixed and variable
  • Ability to get home loan pre-approval
The factor that will have by far the biggest impact on the overall cost of your loan is the interest rate, so ensure that you are not paying an uncompetitive rate.

Quantum Finance brochure is available below:

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Investment Loans

An investment loan is a type of home loan that someone takes out to buy an investment property. It is a mortgage solution for those who want to buy a property and rent it out to receive income from it, but can’t afford to buy the property without a loan.

Many things about investment loans are different to how standard home loans work because they have stricter eligibility requirements. Investment loans often require a higher loan-to-valuation ratio (LVR), meaning investors need to raise a larger deposit before applying for a loan. They also have a slightly higher interest rate on average than residential home loans do.

Expenses that you make for your investment property can be claimed as tax deductions to reduce your taxable rental income while you’re renting it out, and your capital gains tax if you sell the property. The tax deductions you can claim for an investment property include:
There may be several fees charged on different features of a home loan, including:

  • Interest on the investment loan
  • Home and contents insurance and landlord insurance
  • Real estate agent’s commission
  • Maintenance costs
  • Council rates
  • Decline in value of depreciating assets
  • Construction costs (“capital works”) Travel expenses to the property to do an inspection, maintenance or repairs

SMSF Loans

An SMSF loan is a loan used by a self-managed super fund (SMSF) to buy investment property. The returns on the investment – whether that’s rental income or capital gains – are funnelled back into the super fund, increasing your retirement savings.

It’s worth noting rental income cannot be disposed of by a trustee or given as a pre-retirement benefit to a member of the fund – it can only be used to increase the retirement savings that will eventually be paid out to members once they retire.

Further, the property cannot be acquired from, lived in or (except in very limited circumstances) rented out to a fund member or any of their related parties.

Investing in property within superannuation is not as straightforward as investing outside the superannuation environment. All investments need to be in the best interests of fund members and in accordance with the laws around SMSF borrowing.

SMSF FAQ

Bank La Trobe Liberty Mortgage Mart Macquarie Bank
Product Name SMSF Residential SuperCredit Ultra SMSF The Macquarie SMSF Property Loan
Current Rate 5.99%* 5.99%* 6.59%* 6%*
Verification Required (fund balance) 80% Rental Income. SMSF Contribution Statement. Income deemed at 3.9% $120,000 $120,000 One member must own property in own name - $250,000 minimum.
Minimum Loan Amount $100,000 $100,000 $100,000 $150,000
Repayment Type P&I P&I Principal & Interest Principal and interest up to 5 years
Interest Rate Type Variable Variable Variable Variable
Application Fee $995 excl. Valuation Fee & Legal Fees $495 excl. Valuation Fee & Legal Fees & $495 set-up fee $599 excl. Valuation Fee & Legal Fees $500 excl. Valuation Fee & Legal Fees
Yearly fee - $120 $395 No monthly fees
Discharge fee - $395 $535 No
Additional Repayments Yes - - Yes
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Fig. Self Mangaged Superfund 1

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Fig. Self Mangaged Superfund 2

Simply enter some basic information and our home loan borrowing calculator will give you an idea of how much you can borrow and what your monthly mortgage repayments might look like.

1 Your Income Details

2 Your Expenses Details

3 Loan Details

Your Results

  • Borrow Amount

  • Repayments
  • Total interest payable
Year# Principal Interest Balance

Request a Quote/Presentation

Thank you if you would like to receive a detailed report and Quote please fill-in the form below and we will take this information a create a report for you to advise on various finance option. In the meantime, a report on the above information will be sent to you for your review


Note: The results from this calculator should be used as an indication only. Results do not represent either quotes or pre-qualifications for a loan. The specific details of your loan will be provided to you in your loan contract. It is advised that you consult your financial adviser before taking out a loan.

This calculator will compare the loan at different scenarios and suggest you the savings based on our suggested interest rate.
At then end of this presentation, you will be able to save this information and we can determine best loan setting for you.
To Start – fill in the basic information below

Loan comparison calculator

Loan 1

$


% p.a.

Years

Loan 2

$


Suggested SMSF loan Rate

Bank Interest Description
La Trobe 6.69 % Metropolitan House
Liberty 6.15 % SMSF Supercredit
Mortgage Mart 6.70 % SMSF rate

Suggested Home loan Rate

Bank Interest Description
ING 3.49 % Fixed 2 year orange advantage
Motgage Mart 3.49 % Home Loan
Resimac 3.74 % Home Loan
Macquarie 3.64 % Home Loan

Suggested Invetment loan Rate

Bank Interest Description
Suncorp 3.69 % Investment
Adelaide Bank 3.84 % Investment
* select one of the rate from above or manually enter your rate.
% p.a.

Years

Result

  • Current loan Repayment

  • Recommended loan Repayment

WOULD YOU LIKE TO SAVE THIS REPORT



If you save this Comparison you can:

  • Reopen calculation
  • Build financial portfolio
  • Receive financial updates and suggestions
  • Manage Assets and Liabilities
  • Build stronger wealth
  • Generate Report

This will ensure that you can review your Compared Loan, and use other smart financial calculators that can help reach your Goals and Financial Freedom. A Quantum advisor consultant will call to ensure you understand the model.

Thanks, and good luck,
Quantum

  • Quickly check the repayment amount on your loan and request for the better quote.

    1 Loan Details

    $
    %
    yrs

    Your Results

    • Repayments
    • Total interest payable
    Year# Principal Interest Balance

    Request a Quote/Presentation

    Thank you if you would like to receive a detailed report and Quote please fill-in the form below and we will take this information to create a report for you to advise on various loan option. In the meantime, a report on the above information will be sent to you for your review


    Note: The results from this calculator should be used as an indication only. Results do not represent either quotes or pre-qualifications for a loan. The specific details of your loan will be provided to you in your loan contract. It is advised that you consult your financial adviser before taking out a loan.

    Bare Trust

    Bare Trust is typically a Trust established to allow a SMSF to purchase assets that will be “geared”.
    Regulations require that the property acquired with borrowed monies must be held by a bare trust with the SMSF being the beneficiary of the trust.
    The bare trust is merely the registered holder of the property until the loan is repaid. The SMSF will receive rental income from the lessee and will pay interest to the lender.
    If and when the loan is repaid the legal ownership of the investment property will revert to the trustee of the SMSF.
    The trustee of the SMSF cannot be identical (the same) as the trustee of the bare trust, this may in some instances require a corporate trustee for both entities, again dependent on the lenders requirements.
    When a SMSF decides to buy the Property, the trustees of the bare trust enter into a contract of sale to purchase a property NOT the trustee of the SMSF, as the trustee of the bare trust is the entity as the registered owner upon completion of the property settlement.


    alternate text
    Fig. Investing via a Company Structure.

    Will Trust

    Testamentary/Will Trusts is established according to instructions in a will and comes into existence when that person passes away.
    Rather than the deceased person’s assets going directly to beneficiaries, the assets are held in trust on behalf of those beneficiaries. Funds are then distributed according to the deceased’s rules and conditions.
    A testamentary trust can protect the assets a beneficiary may receive in the event of bankruptcy, business lawsuit, or relationship breakdown.


    alternate text
    Fig. Testimony Trust Structure.

    Start your Loan Search now
    and we'll get you the best option available that suits you.

    We will compare loans from over 20 lenders and get you the best deal.
    Just fill out the Loan Enquiry form below and our team will help you find and setup the best available loan.
    It doesn’t matter if it is for your home, your first home, for an investment or even a loan inside your SMSF.

    This information will be treated confidentially, and an advisor will contact you with several options, quotes and information on how to get started.

    Please complete the information below OR call 1300 360 949 for further help.


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