Need an affordable finance-brokers-loans-mortgage open now? These 98 results near you are waiting for your call. Here are our top Burleigh Waters Finance-brokers-loans-mortgages with reviews & ratings.
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iCREDIT Quick Info
Financial services
New car loans
Equipment finance
Personal loans
Services
Financial services
Loan company
New car loans
Used car loans
Equipment finance
Truck finance
Leasing & chattel mortgage services
Insurance services
Machinery Finance
Boat loans
Jet ski finance
Horse float loans
Lo Doc finance
Personal loans
Debt consolidation loans
Motorbike finance
Travel & holiday loans
Cosmetic & medical loans
Swimming pool & spa loans
Wedding loans
About
iCREDIT is one of Australia's progressive finance brokers. We provide a wide range of low cost solutions for car loans, motorbike loans, boat loans, equipment finance, lease and more. With access to over 30 of Australia's leading banks and specialist financiers and backed by National buying power and loan processing centres we help Australians achieve bank beating rates for their purchases. The team at iCREDIT have extensive experience within the finance Industry and understand the complexities of some loan applications. Our job is to make your loan application process as hassle free as possible, whilst delivering the very best answer we can find along with exceptional customer service. Located on the Gold Coast and Brisbane our services include same day loan approvals, Australia wide coverage and bank beating interest rates.
2/5 Executive Dr, Burleigh Waters QLD
Open 24 Hrs
Genesis Insurance Brokers Quick Info
About
Discover tailored insurance solutions and comprehensive financial planning services at Genesis Insurance Brokers. Located in Burleigh Heads, our expert team of insurance brokers is dedicated to providing personalised advice and support. Whether you require insurance for your home, business, or personal assets, we offer a wide range of policies to suit your needs. With our extensive industry knowledge and commitment to customer satisfaction, you can trust us to protect what matters most to you. Benefit from our expertise and let us help you secure a brighter future.
Office 5/5 Executive Dr, Burleigh Heads QLD
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Finance Future Quick Info
About
Finance Future, located in Burleigh Waters, is a premier finance brokerage firm providing expert services in loans and mortgages. With an unwavering commitment to our clients, we specialise in tailoring financial solutions that suit individual needs. Our knowledgeable team ensures transparent and seamless processes, enabling clients to navigate the financial landscape with ease. Trust Finance Future for a reliable and personalised approach to securing your financial future. Discover the difference that our expertise can make in achieving your goals.
7/2 Executive Dr, Burleigh Waters QLD
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Escalate Finance Quick Info
Residential Loans
Commercial Loans
Asset Finance
Leasing
Services
Residential Loans
Commercial Loans
Asset Finance
Leasing
Investment Loans
Mortgage Refinancing
Debt Consolidation
Loans for Renovations
3 Taveuni St, Burleigh Waters QLD
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Australian Insurance Solutions Pty Ltd. Quick Info
About
Australian Insurance Solutions Pty Ltd., based in Burleigh Heads, is a prominent insurance brokerage providing comprehensive coverage options tailored to meet individual needs. Our team of skilled brokers, with years of experience under their belts, are committed to assisting clients in navigating the complex world of insurance. We strive to offer bespoke solutions that ensure peace of mind, protecting what matters most. With us, you'll find trusted advice, personalised service, and a commitment to your financial security.
9/11 Prosper Cres, Burleigh Heads QLD
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Smart Way Finance & Mediators Quick Info
About
Welcome to Smart Way Finance & Mediators, the yogic oasis nestled in the heart of Burleigh Heads. Our serene haven offers a holistic approach to financial well-being through the art of yoga. Immerse yourself in our tranquil ambience as our expert meditators guide you on a journey of balance and prosperity. Unwind, rejuvenate, and discover a deeper connection to your financial potential. Let us be your guide on this enlightening path to financial harmony. Transform your finances, transform your life. Embrace the Smart Way.
6/5 Taree St, Burleigh Heads QLD
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Jade Finance Australia Quick Info
Services
Truck Finance
Equipment Finance
Caravan Finance
Car Finance
Bike Finance
Boat Finance
Refinance
Loan Broker
No Docs Business Finance
Second Hand Motor Finance
New Vehicle Finance
Classic Car Loans
Chattel Mortgage
Personal Motor Finance
Secured Motor Finance
Unsecured Personal Loans
About
Jade has been a highly successful operator in the finance and we are proudly 100% Australian-owned. With an extensive Australia wide operation, we have built up our reputation and our accreditation with more than 40 finance and lending institutions and banks, which, for you, means we have access to over 400 individual loan products. Our consultants specialise in different products so you get the best every time. Jade worries about you, our customer. Our focus is on assisting people with their finance packages. Our experience and extensive access to finance products is the mark of our commitment to you that we have thoroughly searched the market for the best loan for you. Throughout the car loan process you will have your own Jade consultant who is a fully licensed finance specialist in finance and will be there to advise and assist you through the entire process. Jade Finance Australia adopts and adheres to the Code of Practice as a member of the FBAA. A Code of Practice which has national recognition and is under the cover of the Credit Ombudsman Service Limited.
9/79 West Burleigh Road, Burleigh Heads QLD
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Ausure Burleigh Heads Quick Info
Services
Business
Commercial
Industrial
About
Ausure Burleigh Heads is a reputable insurance brokerage, located in the vibrant suburb of Burleigh Waters on the Gold Coast. With a wealth of experience spanning over three decades, our expert brokers specialise in providing comprehensive coverage for businesses, commercial enterprises, and industrial sectors. We offer professional advice, ensuring our clients obtain the right policies, while our dedicated team handles claims with finesse. Trust us for personalised service and peace of mind.
24 Stingray Cres, Burleigh Waters QLD
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First Choice Capital Quick Info
Products
business financing
personal financing
property financing
equipment financing
motor vehicle financing
marine vehicle financing
Services
Australian Finance Group Limited
builders
developers
real estate agents
About
Established in 2001, First Choice Capital, an Australian-owned company in Burleigh Waters, is a premier Mortgage Broker. As an aggregator member of Australian Finance Group Limited, we have access to over 70 of Australia's leading lenders. Partnering with exceptional builders, developers, and real estate agents, we provide impeccable services for both business and personal needs. From property to equipment, motor to marine vehicles, we ensure that First Choice Capital remains your preferred destination. Choose us today and experience excellence, reliability, and unrivalled satisfaction.
151 Christine Ave, Burleigh Waters QLD
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Harding Finance & Consulting Quick Info
About
Welcome to Harding Finance & Consulting, where we excel in providing tailored financial solutions to meet your needs. Our team of expert finance brokers, specialised in loans, mortgages, and financial planning, is here to guide you every step of the way. Located in the vibrant suburb of Burleigh Heads, we pride ourselves on our client-centric approach and dedication to delivering exceptional service. Partner with us for your financial success, and let us take your dreams from concept to reality.
Unit 2/1 Fortitude Cres, Burleigh Heads QLD
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Clarity Accounting and Business Solutions Quick Info
Services
Accounting and Business Solutions
Bookkeeping
Business Activity Statements
Finance function support
About
Clarity Accounting and Business Solutions, located in Burleigh Heads, is a bespoke Gold Coast-based practice catering to diverse industries. We expertly handle your accounting and bookkeeping needs, leveraging Xero, MYOB, and QuickBooks software. By identifying emerging trends and growth opportunities, we empower small business owners to thrive. Our comprehensive services encompass bookkeeping, ongoing support, Business Activity Statement preparation and lodgement, and finance function support. Entrust us with your compliance and reporting needs, allowing you to focus on running your business smoothly.
Unit 1/46 Junction Rd, Burleigh Heads QLD
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Beyond Capital Asset Management Quick Info
About
Welcome to Beyond Capital Asset Management, located in the vibrant suburb of Burleigh Heads. As experts in the field of finance, we strive to provide an exceptional banking experience tailored to our clients' needs. With our extensive knowledge and dedication, we specialise in offering a wide range of services in the realm of wealth management and investment strategies. Let us guide you towards financial success, where possibilities are limitless and the future is yours to seize. Join us today and embark on a journey to prosperity.
3/80 Dover Dr, Burleigh Heads QLD
View Burleigh Waters Finance-brokers-loans-mortgages Businesses Below
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Johny Cash Car Buyer & Pawn Quick Info
Services
Car Loans
Cash for Cars
Truck Pawn Loans
Jet Ski Pawn Loans
Quick Loan
Bad Credit Loan
Financial Emergency
Motorbikes Loan
Caravans Loan
About
Johnny Cash Car Buyer & Pawn is a specialist pawnbroker that provides an alternative short term funding option for people who need money fast or are unable to obtain traditional bank finance. We lend money based on the security of your pawned vehicle. Our process is simple, easy, and convenient and we can let you know how much you can borrow today within a few minutes!
Varsity Lakes QLD
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Mortgage Innovations Quick Info
Mortgage & Finance Brokers
Home Loans
Refinancing
Investment Property
Products
Advice & Assistance
Services
Mortgage & Finance Brokers
Home Loans
Refinancing
Investment Property
Construction Loans
Family Equity Loans
Free Consultations
Car & Equipment Loan
Mortgage Advisors
About
Arranging finance can be stressful, especially with some lenders now taking extra steps including going through your living expenses and credit scoring (ouch!). And sometimes banks can make you feel like ‘just a number'. That's why we want to do things differently: because you deserve better. At Mortgage Innovations, we love making your dreams a reality. We are an award winning office who you can entrust in to get your home loan approved. That means: Getting to know you, your situation and what you want to achieve Being there to help and answer your questions Making the process easy and stress-free Using our expertise to give you the best chance of approval Giving you a fast turnaround time Helping you save as much money as possible with the best loan to suit you All at to cost to you. As a local family-owned business, our team takes the time to listen, answer your questions and make getting your home, car or equipment loan as easy as possible. The first step in making your dreams a reality is a chat and that starts by requesting a free consultation with one of our friendly team. Jason and the Mortgage Innovations team Multi Award Winning Office awards include: 2022 Australian Mortgage Awards Best Regional Broker 2022 MFAA National Best Regional Broker 2022 Better Business Best QLD Regional Broker Office 2022 Better Business Best Customer Service by an Individual Broker 2021 Better Business Best QLD Regional Broker Office
Christine Corner Shopping Centre 221 Christine Ave, Varsity Lakes QLD
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Private Funding House Quick Info
About
Private Funding House offers a range of loan products, referred to as 'Private mortgages', which are all tailored to meet your unique funding demands. In contrast to conventional lenders, we assess your private mortgage application in relation to your underlying security property and ability to repay the loan using your intended repayment strategy, not your credit history, character or credit risk, which translates to more flexibility and less red tape.
1A/4 Flint Crt, Varsity Lakes QLD
Open 24 Hrs
Austbrokers Coast to Coast Quick Info
Services
Business Insurance Professional Indemnity Insurance
Public Liability Insurance
Competition Car Cover
Motor Vehicle Insurance Home & Contents Insurance
Strata Title Insurance
Management Liability Insurance
About
Austbrokers Coast to Coast Insurance Brokers offers a dedicated team of Insurance Professionals. We know our experienced, qualified and dedicated team will deliver a unique program which will better protect the assets of our clients and allow their businesses to continue to prosper and grow.
2/85 West Burleigh Rd, Burleigh Heads QLD
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Jade Equipment Finance Quick Info
Services
Heavy machinery loans
Medical finance
Bad credit equipment financing
Eathmoving loans
Trailer finance
Civil machinery loan
Transport finance
Industrial finance
Software finance
Farm and agricultural loans
Free quick quote
Finance calculator
9/79 West Burleigh Rd, Burleigh Heads QLD
Open 24 Hrs
Chevron Equipment Finance Quick Info
Products
Chattel Mortgage
Lease
Hire Purchase
Operating Lease
Rent to Own
Corporate Finance / Mergers & Acquisition
Services
Aviation Finance
Bus Finance
Excavators and Earthmovers Finance
Manufacturing Machine Finance
Medical Equipment Finance
Mining Equipment Finance
Mobile Crane and Tower Crane Finance
Truck and Trailer Finance
J
Jaspal
4 years ago
Excellent job So fast & easy. They care about what they promises.
Level 1/ 2 Classic Way, Burleigh Waters QLD
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Friendly Finance Brokers Quick Info
Services
Home Loans
Refinancing
Commercial Loans
Business Loans
Asset & Equipment Finance
SMSF Property Finance
Car & Motor Vehicle Loans
Personal Loans
Debtor Finance
Land & Build Finance
Investment Property Finance
First Home Owner Loans
Investment Property Loans
Repayment Control Planning Session
Boat, Trailer & Caravan Loans
Debt Consolidation
Dentistry Loans
Motorbike & Jet Ski Loans
Horse Float Loans
Unit 11/76 Township Drive, Burleigh Heads QLD
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Blackk Finance Mortgage Broker Victor Kalinowski Quick Info
Home Loans
Ultimate Service
Fast Loan Approvals
Latest Rates/Offers
Services
First Home Buyers
Refinance
Construction Loans
Renovations Home Loans
Self Employed Home Loans
Home Loans
Ultimate Service
Fast Loan Approvals
Latest Rates/Offers
Self Employed
Property Investors
Investment Property Loans
About
Hi, I am Victor, Mortgage Broker at the award winning Blackk Finance in Burleigh Heads. Our team helps families and individuals find and apply for a home loan - quickly and easily. Expect regular updates so you always know where your home loan is at and when it will be approved. Relax knowing your finances are in good hands as we have a really high success rate in getting clients home loans approved (at 98% rating us as one of the most successful Mortgage Brokers in QLD). The philosophy of Blackk is growing your financial education. We go above and beyond to show you ways to improve your money management and give you a strategy to repay your home loan faster. It's re assuring to know, that like all Mortgage Brokers, we do not charge a fee for this service, as we are paid by the bank your home loan settles (similar to how you local bank staff are paid). Book a call with me today. Cheers, Victor Kalinowski
Unit 11/76 Township Drv, Burleigh Heads QLD
Closed
PFK Finance Quick Info
Services
Home Loans
Mortgage Brokers
Investing Property
Refinancing
First Home Buyers
Burleigh Waters QLD
Closed
carbroker.com.au Quick Info
About
Welcome to CarBroker.com.au, the premier destination for all your finance brokerage needs in Varsity Lakes. Our team of skilled professionals specialises in offering loans and mortgages to help you navigate the complex financial landscape. With our expert guidance, you can secure the best deals and make informed decisions with ease. We pride ourselves on our personalised approach, ensuring that each client receives tailored solutions that perfectly align with their unique requirements. Trust CarBroker.com.au for all your finance needs.
Unit 9/54 Azzurra Dr, Varsity Lakes QLD
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No Deposit Home Loans Quick Info
Products
No Deposit Home Loans
About
No Deposit Home Loans, located in Burleigh Heads, is a leading finance brokerage specialising in loans and mortgages. Our innovative loan strategy enables you to enter the property market instantly, bypassing the arduous task of saving for a home deposit. With our expert assistance, you can fulfil your dream of owning a home sooner than you thought possible. Say goodbye to lengthy savings and embrace a swift path to property ownership with No Deposit Home Loans.
Suite 5a/57 Township Dr, Burleigh Heads QLD
Open 24 Hrs
Shogun Finance Quick Info
About
Welcome to Shogun Finance, the leading finance broker for loans and mortgages in Burleigh Heads. Our team of experts specialise in finding tailored solutions to meet your financial needs. With our extensive network of lenders, we can secure competitive rates and flexible terms. Whether you're a first-time homebuyer or an experienced investor, we'll guide you through the process with a personal touch. Trust Shogun Finance to navigate the complex world of finance and secure the best deal for you.
1/51 Township Dr, Burleigh Heads QLD
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Sunshine Finance Brokers Quick Info
Car Finance
Caravan Finance
Boat & Jetski Finance
Business Loans
Services
Car Finance
Caravan Finance
Equipment Finance
Boat & Jetski Finance
Business Loans
Personal Loans
Experienced & Friendly Team
Motorbike Finance
Debt Consolidation
ABN Vehicle Finance
Truck Finance
Cash Flow Loans
Business Overdrafts
Family Owned Business
About
Get the guidance you need by contacting us below for a free no obligation quote today! We have over 30 lenders that we can utilize to provide a variety of different products, we are certain we will find a product that suits your circumstances. Don't waste your time talking to different lenders, let us do the work for you. It's our mission to help you reach your goals and achieve the life you want, let us help you today.
Upper Coomera QLD
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Tailored Wealth Solutions Quick Info
About
Tailored Wealth Solutions, a financial advisory business based in Burleigh Heads, offers expert financial planning services. Our team of experienced advisers tailors personalised strategies to suit each client's unique needs, ensuring financial success. With a focus on meticulous analysis and comprehensive guidance, we are committed to helping individuals and businesses navigate the complex world of finance. Trust us to assist you in making informed decisions and achieving your long-term financial goals. Let us be the compass that steers you towards prosperity.
1/37 Township Dr, Burleigh Heads QLD
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Astute Burleigh Heads Quick Info
Services
Finance
Insurance
Wealth
About
Astute Burleigh Heads, a first-rate finance, insurance, and wealth business, offers customised solutions that are designed for your specific needs. We take pride in cutting through complex jargon to provide straightforward financial advice, ensuring your security in an ever-changing world. With a fully integrated business model, we offer access to finance, insurance, and wealth specialists, keeping all your financial requirements conveniently under one roof. Trust Astute to navigate your financial journey seamlessly.
unit 14/25 Alex Fisher Dr, Burleigh Heads QLD
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PCS Finance Quick Info
Services
Management Rights Finance
Residential Lending
Commercial Finance
About
PCS Finance is a leading Australian finance specialist in Management Rights, with combined experience of over 30 years.
21 Port Peyra Crs, Varsity Lakes QLD
Closed
Loantec - Everything Finance Quick Info
About
Welcome to Loantec - Everything Finance, your go-to destination for all your finance needs in Burleigh Heads. As expert finance brokers, we specialise in providing tailored loan and mortgage solutions to meet your unique requirements. With our extensive knowledge and experience, we guide you through the financial landscape, ensuring you make informed decisions. Trust Loantec to simplify the process, so you can achieve your financial goals with confidence. Discover the power of personalised finance solutions with Loantec - Everything Finance.
1/73 Township Dr, Burleigh Heads QLD
Closed
Invest Blue Quick Info
About
Invest Blue is dedicated to helping individuals achieve their goals and live their best lives through bespoke financial advice. Located on the Gold Coast, our team of skilled Financial Planners and knowledgeable Lenders are ready to assist with home loans, investment mortgages, and a wide range of financial solutions. From tailored Financial Planning and Wealth Creation to Retirement Planning and Debt Management, we cover it all. Contact us today to unlock your potential for a prosperous future.
Level 2/47 Watts Dr, Varsity Lakes QLD
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Invest Blue Gold Coast Quick Info
Financial Planner
Financial Advisor
Financial Institution
Financial Advice
Products
Financial Advice
Services
Financial Planner
Loan Agency
Financial Audit
Mortgage Broker
Insurance Broker
Investment Service
Property Investment
Financial Advisor
Financial Institution
Superannuation Consultant
About
Established in Armidale in 1996, Invest Blue has offices conveniently located in rural, coastal and city locations in Queensland, Northern New South Wales, Victoria, Tasmania and the ACT. All of our offices are supported by an operations team of technical advice, research, marketing and IT specialists. What this means for Invest Blue clients is that they can deal with someone local but also benefit from the expertise and support of the collective company. We are here to empower you to live your best possible life through comprehensive financial advice. We do this by getting to know you and what is most important to you and developing a strategy tailored to your unique situation. Invest Blue is passionate about helping people to reach their goals and live their best possible life by providing quality, tailored financial advice. We are a Financial Planner located in the Gold Coast, QLD. We have a strong team of Financial Planners as well as a dedicated Lending team to support those looking for home loans or investment mortgages. We offer tailored Financial Advice on Financial Planning, Wealth Creation, Wealth Management, Wealth Protection, Superannuation, Retirement Planning, Tax Strategies, Debt Management, Life Insurance, Income Protection, Investments, Lending, Budgeting and Money Management. We service a large area in and around the Gold Coast so please get in touch to see how we can help you live your best possible life.
Level 2 47 Watts Drive, Varsity Lakes QLD
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Wealth & Lifestyle Finance Quick Info
About
Welcome to Wealth & Lifestyle Finance, your trusted partner in financial planning. Situated in the vibrant suburb of Varsity Lakes, our expert team is committed to helping you achieve your financial goals. With our tailored strategies, we'll guide you towards financial freedom and security. From investment advice to retirement planning, we provide comprehensive solutions to meet your individual needs. Let us empower you to make smart financial decisions and live the life you've always dreamed of. Together, we'll pave the way to a prosperous future. Trust Wealth & Lifestyle Finance for your financial journey.
Watts Dr, Varsity Lakes QLD
Explore Burleigh Waters Finance-brokers-loans-mortgages Services Near You
Open 24 Hrs
Stones Throw Finance Quick Info
Home Loans
Business Loans
Equipment Finance
Personal Loans
Services
Home Loans
Business Loans
Equipment Finance
Personal Loans
Loan Specialists
6/76 Hutchinson St, Burleigh Heads QLD
Open 24 Hrs
Absolute Soul Secrets Quick Info
Services
Quality phone psychic readings
Email psychic readings
Astrology reports
About
Your questions about life, love, business or finance are answered by our experienced and genuine master psychics at Absolute Soul Secrets. Call us now 24/7.
240 Varsity Pde, Varsity Lakes QLD
Closed
Freedom Leisure Finance Quick Info
About
Freedom Leisure Finance, located in Varsity Lakes, is a leading provider of financial services in the Banks & Building Societies category. Our expert team is committed to helping our clients achieve their financial goals by offering innovative solutions and personalised advice. With a focus on transparency and integrity, we strive to be a trusted partner for all your financial needs. Explore the freedom of tailored financial solutions with Freedom Leisure Finance. Your journey towards financial success begins here.
Varsity One, suite 403a level 4/1 Lake Orr Dr, Varsity Lakes QLD
Closed
Urban Money Gold Coast Quick Info
Services
Home Loans
Buying
Building
Refinancing
Investing
Financial Experts
Variable Loans
Fixed Loans
Split Rate Loans
Interest Only Loans
Line of Credit
Honeymoon Loans
Low Doc Loans
Business Finance
Equipment Finance
Vehicle Finance
Car Loans
Debt Consolidation
Boat Loans
Caravan Loans
Motorbike Loans
Holiday Loans
Credit Card Refinance
About
Get to where you want to be with strategic brokers working 100% on your side to get you the right loan for your life today without compromising your dreams for tomorrow.
155 Varsity Parade, Varsity Lakes QLD
Closed
Summit Advisory Quick Info
About
Summit Advisory, based in Varsity Lakes, offers bespoke financial planning services. With a wealth of experience and a client-focused approach, we navigate the complex world of finance to help you achieve your goals. Our expert advisors work closely with you to understand your unique circumstances and create tailored strategies. Whether you're planning for retirement, managing investments, or securing your family's future, we provide trusted guidance every step of the way. Let us be your trusted partner on your financial journey.
SE 1, Building 6/7/175 Varsity Parade, Varsity Lakes QLD
Closed
Bankruptcy Solutions Quick Info
Products
Bankruptcy
Services
Bankruptcy services
Personal Bankruptcy in Australia
About
The purpose of the Bankruptcy Act is to provide a humane solution for persons who are unable to pay their debts. If you feel overwhelmed by financial pressures then bankruptcy is a legitimate way for you to get out of debt so that you can start again, get back on your feet and get on with your life. We offer a helping hand throughout this processes. Thousands of "ordinary people" choose to utilise bankruptcy each year and any one can go bankrupt. The pressures of debt can be suffocating and this is the reason for the bankruptcy act. The types of debt people feel overwhelmed by include credit card debt, personal loan debt, tax debt or debt from an adverse Court Judgement and much more. Some of the causes of these debts can include; rela- tionship breakdown, unemployment or underemployment, sickness, adverse Court judgement, busi- ness failure, act of nature (eg Floods), a personal guarantee and structural change within an industry just to name a few. Only individuals can go bankruptcy. If you have a company that is unable to pay its debts then liquida- tion is a companies way of going bankrupt and requires a little more work but in many ways the pro- cesses are quite similar. If you are considering bankruptcy then you need to know how it works and how it may effect your life. Bankruptcy needs to be a sensible solution for both the person going bankrupt as well as the credi- tors who are owed the money. Too often the person who owes the money is pressured by the creditor to pay them. If the person cannot pay the debt they will often experience increasing emotional, rela- tionship and health problems. As time progresses the ability to repay the debt deteriorates until their life implodes. This is no good for anyone. It is best to be open and honest, admit you can't pay the debt and declare bankrupt. Then everyone knows where they stand. Bankruptcy enables everyone to put direction into their lives and so be able to plan forward. Once you obtain the protection of bankruptcy, life goes on as normal. The biggest difference people tell us is that they can use their wages to live rather than having no money because all their wages were being used for loan repayments. The Trustee is not involved in your daily life. The role of the Trustee is to administer the bankrupt estate although it is worth mentioning that you are required to help the Trustee should that be required. That might mean sending a document or having a chat on the telephone. Household furniture & effects are protected unless you have items of value that will appreciate like works of art or antique furniture. You are able to save and replace items of furniture & effects during the three years of the bankruptcy. You can retain tools of trade to an auction value of $3,600. This amount enables a lot of tools of trade to be retained as these days tools tend to sell for very little at auction. Transport is very important; you can retain cars to an auction value of $7,350. These days a lot of people have cars on finance and normally the lender will allow people to retain the car during the three years you are bankrupt (and then once bankruptcy has been completed) provided the payments are kept up to date. They do this as cars depreciate rapidly and if the financier repossess the car they will most likely sell it for less than the amount owing and bring a loss to account. This loss would be a provable debt in the bankruptcy. To avoid this lenders allow people to retain the car and to continue making the payments. If in any doubt, we recommend that you discuss the car with the lender prior to proceeding to lodge the papers for bankruptcy. It is important that you can function in your day to day life post bankruptcy. Where a car is subject to finance, the value of the car that can be retained is the loan payout plus $7,350. For example, if the loan payout is $20,000 then for the car to be retained its auction value should not be more than $27,350. If you have a car that exceeds the $7,350 threshold equity amount and you need to retain the vehicle, give us a call and we will try to help and will look to see if anything can be done to help you retain the car. A Debit Card. We recommend to people that they obtain a Debit Card so they still have the conve- nience of a credit card if travelling, buying goods on line etc. A Debit Card works the same as a credit card except you are using your own money and do not have the costs and interest that will be in- curred on a credit card if the monies are not repaid on time. During the 3 years of bankruptcy you must disclose your bankruptcy when applying for, or obtaining goods and services on credit or by cheque for more than $5,333. Normally, once subject to bankruptcy you will not be able to obtain a credit card and we recommend that you do not obtain credit as you will most likely be charged a high rate of interest which will detract from your funds that are available for day to day living. Use bank- ruptcy to create the habit of saving, no matter how small the amount being saved is. Plan. Bankruptcy is not only about assisting you to resolve debt that you are unable to repay, it is also about reconfiguring the way you live your life going forward. We recommend that you create some quiet time and plan how you want to live your life once you have the protection of bankruptcy, it is a new start so do not waste the opportunity. Cash. On the day of your bankruptcy, most Trustees will allow you to have $1,000 in your bank ac- count. Once you have received your bankruptcy file number and have the protection of bankruptcy, any money you save in your bank account from your income is protected. However these monies must remain in your bank account and cannot be invested into property, managed fund, shares etc. The funds can however be used for living expenses, replace a fridge, lounge, TV or even to go on a holiday etc. Once discharged from bankruptcy the funds in the bank account are available for you to do what you want. Tax Refund. Any monies able to be claimed as a tax refund for the year or part year prior to bank- ruptcy, go to the bankrupt estate. For example, if a person becomes bankrupt on 30 September, 2012 and lodges a tax return for the Financial Year ended 30 June 2013 and obtains a tax refund of $1,200, then $300 will go to the bankrupt estate and the person will get to keep $900 of the refund. All subsequent refunds during bankruptcy can be retained by the bankrupt person, but will be looked at as these are really some of your net income, and so may take your earnings over what is called the Threshhold amount. Another point to note is, if monies are owed to the Tax Office, refunds during bankruptcy will be retained by the Tax Office against taxes owing at the date of bankruptcy. This only happens during the three years of the bankruptcy. My House. It is possible, depending on your circumstances, to save a house when you become bankrupt. Each case needs to be considered on its own merits. It is in everyone's best interest if the social consequences from the trauma of extreme financial problems can be minimised. The effects and consequences for other (non bankrupt) members of the family can be significant. Kids can be dis- tressed from losing the security of their bedroom, the non bankrupt spouse can be devastated to lose the house when they do not have financial problems, etc. and we will work to help the non bankrupt spouse to save the house if we consider this to be a viable option. Overseas Travel. During bankruptcy you can still travel overseas. Those persons wishing to travel will however need to obtain permission from their trustee to travel overseas. There is a form to be filled out to authorise the travel. It is very rare that overseas travel is declined. How much can I earn. - No dependents - - 1 Dependent - - 2 Dependents - - 3 Dependents - - 4 Dependents - - Over 4 dependents - $52543.40 (After Tax) $62,001.21(After Tax) $66730.12 (After Tax) $69,357.29 (After Tax) $70,408.16 (After Tax) $71,459.02 (After Tax) If your after tax income exceeds these threshold amounts (depending on the number of dependants you have) you will have to pay income contributions to the bankrupt estate of half of each dollar that you earn above your threshold amount. You get to keep the other half of the excess as protected in- come. Some people who are subject to bankruptcy save their half of the excess income to save for a holiday, to buy a car once discharged from bankruptcy, to save a deposit to buy a house once dis- charged from bankruptcy. Where income contributions are required to be paid, the Trustee seldom contacts the employer. They liaise with the person subject to the bankruptcy for the payment of the income contributions. The Bankruptcy Act is very humane. One of the great attributes of bankruptcy is that it ensures that your income is protected so as to ensure your wages are available for the provision of the necessities of life such as rent, food, electricity, fuel, transport costs, saving for a holiday, that sort of thing. Superannuation. Monies held in a superannuation fund are protected provided they have been ac- cumulated over time. If lump sums are deposited into the Super Fund prior to bankruptcy there can be problems. During bankruptcy, monies your employer pays into your super fund are protected and are not available to the bankrupt estate. You are not precluded from depositing money into your super fund during bankruptcy and if you are considering doing this we recommend that you first obtain ad- vice from your superannuation advisor. Post the commencement of bankruptcy, monies you receive from your super fund are protected. If you receive an income from your super fund and it exceeds the above mentioned threshold amount that is relevant for you (eg. $52,543.40 if you have no depen- dants) then you may have to pay income contributions.
397 Christine Ave, Varsity Lakes QLD
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AMG Coaching, a business coaching and training company offering professional coaching to small and medium business owners, multi-million dollar companies, and corporate executives. We help clients ranging from small business through to large enterprises to develop long-term and short term goals and strategies, and improve business in areas that may have been overlooked. We assist business owners in areas such as marketing, sales, operations, team, leadership and finance, to enable them to expand and grow their business.
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LINK are Australia's premier business brokers. Whether you want to find a business for sale, find advice on buying a business, buying a franchise or you are looking for information about a business for sale in Australia, you have come to the right place.
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