Saturday, 25th May 2013
How Much Can I Borrow? Calculator How Much Can I Borrow? Calculator
This calculator provides an estimate of the maximum you can borrow, taking into account your monthly income and expenditure and current interest rates. This calculator also builds in a buffer for interest rate rises.
Income and Expenditure Worksheet
Use the income and expenditure worksheet to calculate how much you can afford to borrow.
Basic Repayment Calculator
Enter the interest rate, the term of the loan and the amount you are borrowing to get the minimum monthly repayment and the amount of interest paid.
Fixed vs Variable Interest Rate Calculator
This simulator allows you to analyse the choice of a fixed or variable rate by modeling changes in the variable interest rate and comparing the amount repaid during the period and the outstanding loan balance at the end of the period.
Mortgage Broker Checklist If you're planning to use a mortgage broker to help you find the perfect home loan, there is some information you should find out from your broker before you start.
Loan Repayment Calculator - Work out what your minimum weekly, fortnightly or monthly loan repayments would be for any borrowed amount.
Extra Repayments Calculator - Find out how much you can save in interest and shorten your loan term by making additional repayments over and above your current monthly repayment.
Lump Sum Repayments Calculator - Find out how much you can save in interest and shorten your loan term by making a one-off lump sum repayment on top of your current monthly repayment.
Split Loan Calculator - Splitting your home loan into fixed and variable rate portions can provide insurance against future changes in interest rates that we can't predict. Use this tool to calculate your repayments and total interest under different fixed and variable rate scenarios.
Loan Comparison Calculator - Select any two home loans on the market for a direct cost comparison. Determine which is the cheapest in total fees and interest over the life of the loan.
Stamp Duty Calculator - Work out how much stamp duty will be payable on the purchase of your new home.
Principal & Interest Calculator - Work out what portion of each monthly repayment is principal and what portion is interest.
Lenders Mortgage Insurance Estimator
In nearly all cases, if you borrow more than 80 per cent of what the lender considers to be the value of the property they will ask you to pay their mortgage insurance. This handy estimator determines how much this is likely to cost you.
Home Cost Estimator
This calculator allows you to estimate the total cost of purchasing a property including all those nasty hidden costs.
Rent vs Buy
This tool allows you to compare your estimated financial position after seven years of renting with your estimated financial position after seven years of home loan repayments.
Buy Then Sell or Sell Then Buy
This estimator provides an indication of the costs you will face depending on the order in which you sell your old home and buy your new one.
Relocation Timeline
This calculator takes your specific moving details and produces a customized timeline. This can then be printed out in the form of a checklist to tick off tasks as they are completed.
Can I Afford An Investment Property?
This tool provides an estimate of how much an investment property will cost. It combines the cash operating revenue and the cash operating expenses with the change in the amount of income tax paid to measure the net change in the investors income due to the investment property.
Search & Compare Savings Accounts and Term Deposits
Small Business Loans
Small Business Calculator
Compare credit cards - The small business calculator that lets you enter set-up costs and running costs to establish a comprehensive business financial summary.
Debentures comparison page
Compare Homeloans
Transaction Accounts
Personal Loans
Small Business Loans
Business At Call Accounts
Business Credit Cards
Business Term Deposits
Margin Lending Calculator - Gearing Simulator
Margin Lending Calculator - Stock Lookup
Find and compare brokers
Budget Planner - Try our Budget Planner. Enter your annual income and expenses to assess your financial position.
Statement of financial position. Check your financial position and overall financial capacity.
Retirement planner
Could your super and the age pension be enough to give you the income you would like to have when you retire? Ask the FIDO retirement planner to crunch the numbers and show you.
Account-based pension calculatorAccount-based pension calculator
An account-based pension or annuity is one of the products you can buy with your super when you retire. Account based pensions are also known as allocated pensions.
Superannuation calculator
Works out how much super you'll have when you retire and how fees affect your final payout.
Reverse mortgage calculator Reverse mortgage calculator
See how your reverse mortgage debt builds up and may affect how much of your home you still own as time goes by.
Rates
Income tax
Individual income tax rates - Shows the percentage of tax payable for each income bracket, for individual Australian taxpayers, for the financial year 2009-10 and 2010-11.
Individual income tax rates for prior years - Shows the percentage of tax payable for each income bracket, for individual Australian taxpayers, for prior financial years.
PAYG withholding
Students and graduates
Calculators
Income tax
International
Families
Medical
PAYG withholding
Payments
Seniors
Students and graduates
Superannuation
Work related expenses
Other calculators
Other tools
Car Insurance Guide (MoneySmart)
Health Insurance Guide (MoneySmart)
Home & Contents Insurance Guide (MoneySmart)
Life Insurance Guide (MoneySmart)
Travel Insurance Guide (MoneySmart)
IP Lodgement Point
Brisbane GPO
261 Queen Street
Brisbane QLD 4000
Or post to
Locked Bag 9854
Brisbane QLD 4001
Telephone: 1300 651010 or 02 6283 2999
Fax: (02) 6283 7999
Please give us feedback about your experiences using Foolkit and ideas for improvements.
If Section and Schedule are blank, you will be taken to the AustLII Index. Update Status Page. Help
Brisbane office
Level 3
500 Queen Street
Brisbane Qld 4000
PO Box 10048
Adelaide Street Post Office
Brisbane Qld 4000
Telephone: (07) 3835 4666
Fax: (07) 3832 0372
Brisbane
33 Charlotte St
Brisbane Qld 4000
PO Box 15931,
City East Qld 4002
Telephone: 1300 300 734
Fax: (07) 386 0903
Queensland Government Service Centre (QGSC)
Ground Floor
William McCormack Building
5B Sheridan Street
CAIRNS QLD 4870.
PO Box 2378,
Cairns Qld 4870
Telephone: 1300 300 734
Fax: (07) 4031 2170
Ground Floor, State Government Building
209 Bolsover St
Rockhampton Qld 4700
PO Box 1276,
Rockhampton Qld 4700
Telephone: 1300 300 734
Fax: (07) 4938 4912
Level 1, State Government Building
187-209 Stanley St
Townsville Qld 4810
PO Box 988,
Townsville Qld 4810
Telephone: 1300 300 734
Fax: (07) 4721 1976
Brisbane
Level 11, 53 Albert Street
Cnr Margaret Street
Brisbane Qld 4000
GPO Box 1401
Brisbane Qld 4001
Telephone: (07) 3405 6900
Fax: (07) 3225 1739 - document Lodgment and registration enquiries
Fax: (07) 3225 1739 - property search requests (including land valuation searches)
Level 4 33 King Street
Caboolture QLD 4510
PO Box 1080
Caboolture QLD 4510
William McCormack Place
3rd Floor 5 b Sheridan Street
Cairns QLD 4870
PO Box 937
Cairns QLD 4870
Level 1, AVC Building
14 Edgewater Crt (off Robina Town Centre Drv)
Robina Qld 4226
PO Box 4297
Robina Town Centre Qld 4230
Ph: (07) 5583 1701
Fax: (07) 5583 1744
Email Gold Coast office
Government Office Building
27 O'Connell Street
Gympie QLD 4570
Locked Mail Bag 383
Gympie QLD 4570
Level 1 Tower Central
114 Brisbane Street
Ipswich QLD 4305
PO Box 864
Ipswich QLD 4305
Shop 2 16 Alford Street
Kingaroy QLD 4610
PO Box 15
Kingaroy QLD 4610
22-30 Wood Street
Mackay QLD 4740
PO Box 63
Mackay QLD 4740
Station Chambers
120 Lennox Street
Maryborough QLD 4650
PO Box 212
Maryborough QLD 4650
Ground Floor, Centenary Square Building
52-64 Currie St
Nambour Qld 4560
PO Box 573
Nambour Qld 4560
Ph: (07) 5451 2255
Fax: (07) 5451 2214
Email Nambour Office
Queensland Government Building
209 Bolsover St
Rockhampton Qld 4700
PO Box 1762
Rockhampton Qld 4700
Ph: (07) 4938 4730
Fax: (07) 4938 4800
Email Rockhampton office
1-3 Alfred Street
Roma QLD 4455
PO Box 350
Roma QLD 4455
7 Clopton Street
Toowoomba QLD 4350
PO Box 318
Toowoomba QLD 4350
Clapham Building
203 Tor Street
Toowoomba QLD 4350
PO Box 318
Toowoomba QLD 4350
Level 3, State Government Building
Cnr Stanley & Walker streets
Townsville Qld 4810
PO Box 5318
Townsville Qld 4810
Ph: (07) 4799 7188
Fax: (07) 4760 7430
Email Townsville office
Level 6
Harry Gibbs Commonwealth Law Courts Building
119 North Quay
Brisbane QLD 4000
P.O. Box 13084
George Street Post Shop
Brisbane QLD 4003
Telephone: (07) 3248 1100
Fax - General enquiries: (07) 3248 1260
Fax - Filing of documents: (07) 3248 1240
General enquiries: qldreg@fedcourt.gov.au
Courthouses List
Street Address
Supreme Court of Queensland
The Law Courts Complex
304 George St
Brisbane QLD 4000
Telephone: (07) 3247 4313 or (07) 3247 4314
Fax: (07) 3247 5316
courtinfo@justice.qld.gov.au
Business Hours: 8.30am to 4:30pm
| Civil General Enquiries | (07) 3247 4313 |
| Self Represented Litigant Service | (07) 322 8924 |
| Corporations | (07) 3247 4312 |
| General Enquiries - Enforcements | (07) 3247 4032 |
| Civil Trials | (07) 3247 4311 |
| Civil Applications | (07) 3247 4310 |
| Supervised and commercial | (07) 3247 4317 |
| Court of Appeal | (07) 3247 4702 |
Level 20, Commonwealth Bank Building,
240 Queen Street,
Brisbane Qld 4000
PO Box 4000
Gippsland Mail Centre VIC 3841
Telephone: 1300 300 630
Fax (03) 5177 3999
Hours 9am - 5pm
Qld Enforcement & Policy Office
Level 20, Commonwealth Bank Building
240 Queen Street
Brisbane Qld 4000
GPO Box 9827
Brisbane Qld 4001
DX 322 Brisbane
Telephone: (07) 3867 4700
Fax: (07) 3867 4725
Hours 8am - 5pm
Forms are available from the ASIC site here - but you may also wish to install Forms Manager that is available free from GovForms.
This includes Smart Forms - PDF versions that you can complete on your computer
Brisbane Office
Riverside Centre, Level 5,
123 Eagle Street,
Brisbane, Qld, 4000
Phone: 131 ASX (131 279)
Fax (Excluding company announcements):
(02) 9227 0885
There are also bodies appointed to resolve disputes within particular Industries, Departments or particular areas of concern.
The SmartLicence provides the National Business Licence Information Service (BLIS) in Queensland. It provides details of all licences you may require to operate your business in Australia, including Commonwealth, State/Territory and Local Government requirements.
The consolidated Trade Practices Act above already incorporates the Unfair Contract Terms Law .
The above website has the latest information on the legislation. For clients, you may also be interested in their resources for business and for consumers. This includes training modules.
A Guide to the Unfair Contract Terms Law It is anticipated that something similar will be published for the ACL.
