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  • First Home Buyers Guide – Buying Your First Home With Bankwest
    find us security Log on to Online Banking Personal Online Banking Business Share Trading Insurance More Rewards Business Rewards Search home personal home loans choosing the right home loan first home buyers guide first home buyers guide http s7 addthis com js 250 addthis widget js pubid bwwebadmin Print this page Getting prepared How much to borrow Buying your home Home Loan terms Shrink your loan Tips to minimise your mortgage Now that you have a home loan the next step is to get rid of it as quickly as possible Here are a few tips that can save you thousands and take years off your mortgage Choose a loan that lets you make your repayments weekly or fortnightly instead of monthly Increase your repayments when you can afford it or when interest rates are lower Make lump sum repayments Whenever possible put any extra money you have into your loan The sooner you do this the more you will save Use an offset facility to reduce your home loan interest This means instead of earning interest on your savings you offset your savings against your home loan balance to reduce the amount of interest you pay If interest rates fall and your loan permits try not to reduce your loan repayments Squeeze your budget and delay non urgent purchases to see if you can find some extra money to pay a bit more off your loan how can we help call us on 13 17 19 pop into any Bankwest store Lending Specialists Come to us or we ll come to you Helping you through the home loan process find a Lending Specialist in your local area learn more useful stuff how much can I borrow home loan FAQs switching to Bankwest careers media centre site map terms conditions

    Original URL path: http://www.bankwest.com.au/personal/home-loans/choosing-the-right-home-loan/first-home-buyers-guide?tab=shrink-your-loan (2014-07-08)
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  • Investment Property Loans – Bankwest Property Investment
    home personal home loans choosing the right home loan property investment property investment http s7 addthis com js 250 addthis widget js pubid bwwebadmin Print this page Overview What loan is best Investing tips Become a landlord What sort of loan is best The answer depends on your circumstances and what you think the market will do Interest only Home Loan Here your repayments only cover the interest on the loan they don t reduce the principal or loan amount As a result you enjoy lower repayments Come tax time it s also easy to calculate what your interest payments are if you re claiming them as a deduction Online Home Loan Premium Select Home Loan Double Deal Home Loan Fixed Rate Home Loan Regular Saver Home Loan Mortgage Shredder Home Loan Variable Home Loans Here your interest rate will follow what the market does A variable rate adds some uncertainty to your budget but you enjoy the benefits of any fall in interest rates Online Home Loan Premium Select Home Loan Double Deal Home Loan Fixed Home Loans By locking in a rate you know exactly what your repayments will be Your initial rate will be slightly higher than the standard variable rate but if interest rates are on the up you could soon be enjoying a rate lower than the market The flip side is if rates go down you miss out on the savings Fixed Rate Home Loan how can we help call us on 13 17 19 pop into any Bankwest store The standard variable rate is the variable Mortgage Shredder Reference Rate Lending Specialists Come to us or we ll come to you Helping you through the home loan process find a Lending Specialist in your local area learn more useful stuff how much can

    Original URL path: http://www.bankwest.com.au/personal/home-loans/choosing-the-right-home-loan/property-investment?tab=what-loan-is-best (2014-07-08)
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  • Investment Property Loans – Bankwest Property Investment
    what you want in a house you re not going to be living in it and more about its potential for capital growth One way to determine this is to look in suburbs where the demand is higher than supply In these areas properties are often sold by auction By going along to a few you ll get an idea of how much people are willing to pay Also look at median price increases between suburbs to determine which ones have the most growth potential Compare these increases to the market as a whole As an investor you may be entitled to tax benefits But don t forget if the property appreciates you will also pay capital gains tax when it s sold If the annual costs i e interest repayments fees etc of your investment property exceed the rental income you receive your property is negatively geared You may be able to offset the loss against your other income to reduce your tax Positive gearing on the other hand is where your annual rental income from the property is higher than your costs You earn extra income but you pay more tax Look for amenities close by cafes transport shops which will make your property a more attractive rental Also think about what sort of tenants you want to attract when choosing the location and property type For example if you want to attract a family look for a house with good schools and playgrounds nearby If you choose to rent out the property you will need to decide whether to use a property manager or handle it yourself For further information take a look at the Consumer Protection website Don t forget Landlord Insurance This may cover you against tenants who damage your property steal the furniture and

    Original URL path: http://www.bankwest.com.au/personal/home-loans/choosing-the-right-home-loan/property-investment?tab=investing-tips (2014-07-08)
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  • Investment Property Loans – Bankwest Property Investment
    with the buying process Once your property has settled the next step is to decide if you are going to manage it yourself use an agent or a combination of both For example you could use an agent just to find tenants Should you use a property manager Property managers are great if you re time poor or averse to confrontation They ll take care of everything from property inspections and co ordinating maintenance to liaising with tenants and playing bad cop if rent is late But they re not charity workers so you ll pay for their services Fees vary so check with a few local agents The good news is fees may be tax deductible Or manage it yourself If you decide to manage the property yourself you ll be responsible for Finding tenants try advertising in the property section of your state s major paper the local paper and the Internet Checking references check with a prospective tenant s past landlords to see how diligent they were in paying rent and what sort of condition they left the property in If they re first time renters speak to their employer or lecturers Drawing up a written lease avoid frustrating But you said arguments by hiring a lawyer to put everything down in writing Make sure it covers property maintenance fixtures and fittings You ll also need to decide if it is a fixed term lease where the tenants commit to stay for a set period at a set rent or a more flexible periodic lease Banking the bond bond cannot be more than 4 weeks rent You will need to lodge the money within 14 days with the Bond Administrator or in a Tenancy Bond Account Write a property condition report do this when the tenants move in so you can refer back to it when they move out Remember normal wear and tear isn t covered so don t hound your tenants if the carpet looks a bit worn and the place needs a paint Inspections and maintenance you are entitled to do inspections at 3 month intervals This is also a good chance to get feedback from tenants on any maintenance issues you need to take care of Chasing unpaid rent despite all your reference checking chances are you ll encounter at least one professional rent dodger not to be confused with someone who just had a slow week of work In situations such as these you ll need to check with your local State authority such as the WA Department of Commerce for advice on what to do Insurance In addition to building insurance it s a good idea to consider landlord insurance to protect you from the dreaded tenants from hell It may cover you for unpaid rent court costs damage to your property and the industrial cleaners needed to remove all trace of them To arrange landlord insurance through our partner Vero Insurance Ltd call our home loan hotline on 13 17

    Original URL path: http://www.bankwest.com.au/personal/home-loans/choosing-the-right-home-loan/property-investment?tab=become-a-landlord (2014-07-08)
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  • Managing your home loan repayments - Bankwest
    plan to manage your repayments comfortably Pay off your home loan sooner by managing your repayments Pay fortnightly instead of monthly With interest calculated daily making frequent repayments will reduce the interest charged to your home loan over a month Making frequent repayments mean you end up making more each year there s 26 fortnights in a year compared to just 12 months after all Increase your minimum mortgage repayments By increasing your minimum home loan repayments you are paying off more of the principle and reducing the interest charged For example by increasing your minimum monthly loan repayments by 100 you can save 44 000 in interest and cut the loan term by 3 years based on a 300 000 loan You can increase your minimum mortgage repayments by arranging a periodical payment or by amending a recurring payment set up in BOB Here s a handy tip if interest rates fall and your loan permits try not to reduce your loan repayments Make additional repayments Making additional one off loan repayments will reduce your overall loan balance and reduce the amount of interest charged each month For example by making a singular 5 000 payment you can save up to 18 000 in interest over the life of the loan and cut the loan term by 1 year based on a 300 000 loan By making additional mortgage repayments you are also accumulating surplus funds in your home loan which can be withdrawn online without penalty Learn more about redrawing surplus funds from your loan You can make a lump sum repayment by making an internal transfer from a Bankwest everyday or savings account to your home loan via BOB visiting a store to make an over the counter payment into your loan setting up a direct debit

    Original URL path: http://www.bankwest.com.au/personal/home-loans/managing-your-home-loan/managing-your-home-loan-repayments?tab=pay-off-your-loan-sooner (2014-07-08)
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  • ID made easy Help - Bankwest
    left of your name card s valid date passports all countries Passport records are available for all countries Passports expired more than two years ago cannot be used You will need to provide some all of the information below country of issue passport number expiry date place of birth as stated on your passport country of birth family name at birth Australian passports only family name at citizenship if using an Australian passport but born overseas Australian Birth Certificate There are some exceptions to available Australian Birth Certificate records Your birth must be registered on or after the following years WA 1959 ACT 1930 NSW records available for all years NT records available for all years QLD 1974 SA 1944 TAS 1970 VIC 1929 You will need to provide some all of the information below state of registration date of registration registration number certificate number ACT NT SA only date of print ACT NT SA only careers media centre site map terms conditions accessibility privacy policy financial hardship 2014 Copyright Bankwest a division of Commonwealth Bank of Australia Bankwest ABN 48 123 123 124 AFSL Australian credit licence 234945 All rights reserved To use this Website you are required to

    Original URL path: http://www.bankwest.com.au/help/personal/online-applications/electronicidhelp (2014-07-08)
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  • payments in Australia
    Bankwest launches new online destination for Small Business payments services overview ways to bank with us moving your money compare payment options payments in Australia international payments how bank payments are made payment cut off times frequently asked questions Bankwest MasterPass avoiding bank ATM fees private banking services financial hardship deceased estates online share trading contact us rates fees find us security Log on to Online Banking Personal Online Banking Business Share Trading Insurance More Rewards Business Rewards Search home personal payments services moving your money payments in Australia payments in Australia http s7 addthis com js 250 addthis widget js pubid bwwebadmin Print this page Online Banking Regular Payments BPAY View RTGS Real Time Gross Settlement RTGS Real Time Gross Settlement RTGS is a quick secure way to send money to other financial institutions in Australia It costs a little more than other methods but funds arrive at the other end on the same day depending on the recipient bank and therefore it s often used when urgently transferring large amounts of money When sending an RTGS payment you need to get the completed form into a Bankwest Store for processing before 12 15pm in order for your transfer to go through on the same day how can we help call us on 13 17 19 pop into any Bankwest store log on to BOB careers media centre site map terms conditions accessibility privacy policy financial hardship 2014 Copyright Bankwest a division of Commonwealth Bank of Australia Bankwest ABN 48 123 123 124 AFSL Australian credit licence 234945 All rights reserved To use this Website you are required to read the Financial Services Guide which you agree to be provided by accessing the link Bankwest is a division of Commonwealth Bank of Australia which is the product issuer unless

    Original URL path: http://www.bankwest.com.au/personal/payments-services/moving-your-money/payments-in-australia?tab=rtgs (2014-07-08)
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  • success true status Product saved products id 1292486067431 name Pay Anybody applyNowUrl personal payments services moving your money payments in australia productUrl personal payments services moving your money payments in

    Original URL path: http://www.bankwest.com.au/cs/Satellite?cid=1292486067431&pagename=Bankwest%2FWeb%2FMySavedProducts%2FView%2FsaveProduct (2014-07-08)
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