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Home Loans

Home Loans

Home Loans Warrnambool

We are experts in lending!

We can get you the lowest rate loan for your needs from a variety of lenders, and as accountants, we can ensure that your finance facility is set up in the right way to maximise any tax deductions if available.

We need to be involved in any conversation you have regarding loans or equipment finance for your business!

As your accountants we understand your financial position and can provide strategic tailored advice to help you achieve your goals.

Because of our intimate knowledge of your business and financial affairs, we are best placed to help you find the best finance solution for your home or investment property loan and to structure your lease, hire purchase or chattel mortgage to get the best GST and tax outcome for your business.

NOTE – Banks and loan brokers are not legally authorised to advise you on tax matters   – but we can do both!

We can source the right finance and advise you on the best structure for asset protection purposes whether you are seeking finance to fund the purchase of your new home or investment property, or if you are seeking to refinance your existing loan and possibly consolidate existing debts.

Test to see if You QUALIFY for a HOME LOAN click here

You can potentially save a lot of money with loan advice from us:

by refinancing to a lower interest rate. A lower rate, of say 0.5% on a $500,000 loan could save up to $54,000 in interest over the life of the loan! What would you do with this saving?

by consolidating your credit cards and other loans with higher rates of interest into a single low interest rate secured by your home. Total monthly payments could be much lower as could the interest rate! The extra cash flow could then be used to make extra payments off the new loan.

some lenders on our lending panel offer Qantas Frequent Flyer points based on the amount of loan and your monthly repayments. Free flights for simply paying off your loan sounds good – doesn’t it?

by optimising your loans – if you can use a“split loan” to keep non-tax deductible debt separate to tax deductible debt – and then come up with a plan for you to pay off the non-tax deductible debt much faster. There’s nothing like saving tax with a good strategy!

by showing you how to use the equity in your home to invest in other properties or shares. We can show you the secrets to getting your loans structured in the right way to maximise your future tax claims on investment properties, especially if you want to move to a new house and keep your existing house as an investment property!

General advice disclaimer

The advice provided is general advice only as, in preparing it we did not take into account your investment objectives, financial situation or particular needs. Before making an investment decision on the basis of this advice, you should consider how appropriate the advice is to your particular investment needs, and objectives. You should also consider the relevant Product Disclosure Statement before making any decision relating to a financial product.

Only lending advice provided by CeebeksTM Financial Solutions is associated with Outsource Financial Ltd Credit Representative 396061.

Chris Beks is a director of CeebeksTM Financial Solutions and a Credit Representative (credit representative no. 396061) of Outsource Financial Ltd  Limited  ABN 42 131 090 705; Licence Number 384324  an independently owned and operated Aggregator, and is authorised to provide personal credit advice. For more information, you can read our Credit Guide, or contact us for more information on our available services. 

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Information We are required to Disclose to You

As a Registered Tax Agent (TA 62943015), our work for you is performed in accordance with the Tax Agent Services Act 2009. Under this Act, the Tax Agent Services (Code of Professional Conduct) Determination 2024 requires that we make the following disclosures to you:

1 .  Matters that could significantly influence your decision to engage us (or continue to engage us) for a Tax Agent Service from 1 July 2022 onward include the following:

  • None Applicable

2. The Tax Practitioner’s Board maintains a register of Tax Agents and BAS Agents. You can access and search this register here: https://www.tpb.gov.au/public-register

3. If you have a complaint about our Tax Agent services, you will need to contact us in the first instance with details by email. If they are unable to resolve your complaint within 3 business days, please contact our office manager, Angela Tirabassi,  by email (angela@ceebeks.com). Your complaint will be investigated by Angela or another Team  member who is not involved in the subject matter of the dispute where possible. We will provide you with email acknowledgement of receipt of your  complaint and our understanding of the circumstances. The email will inform you that we will attempt to resolve your complaint within 14 days and will outline the dispute resolution process. If you are unhappy with the outcome that we propose to you, you can then make a complaint to the Tax Practitioners Board (TPB) using the link listed above. The TPB will send you an email to acknowledge the receipt of your complaint and review and risk assess your complaint. If you are unhappy with how the TPB has dealt with your complaint, the above link includes details about your review rights and who can further assist you.

Get In Touch

Drop us a line, call us or pop in for a barista-style coffee or tea. We’d love to chat about how we can reduce your stress, show you how to improve your profits and give you back your time.

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