Wednesday, 12th December 2018
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Business Law

On this page
Western Australia Business law and commercial law Pages catering for the general public.

 

Not For Profits & Social Enterprises

Tools

Loan Calculators (12)

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.

Costs of Buying (2)

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.

Buy or Rent or Invest (4)

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.

Banking (12)

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

Investment (3)

Margin Lending Calculator - Gearing Simulator
Margin Lending Calculator - Stock Lookup
Find and compare brokers

Planners (3)

Savings Calculator

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 / Superannuation (6)

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.

Centrelink Rate Estimator

Super vs mortgage calculator

Federal - Tax, Help and Others (16)

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

Insurance Guides (5)

Car Insurance Guide (MoneySmart)
Health Insurance Guide (MoneySmart)
Home & Contents Insurance Guide (MoneySmart)
Life Insurance Guide (MoneySmart)
Travel Insurance Guide (MoneySmart)

Western Australia 2 business law and commercial law australian consumer law export

Help Us Improve

Please give us feedback about your experiences using Foolkit and ideas for improvements.


 

Legislation

Business Act Finder (AustLII)

Section: Schedule:

Business Regulation Finder (AustLII)

Section: Schedule:

If Section and Schedule are blank, you will be taken to the AustLII Index. Update Status Page.  Help

ASX Listing Rules by Number
ASX Operating Rules

ACCC

Australian Competition & Consumer Commission

www.accc.gov.au

3rd floor, East Point Plaza
233 Adelaide Terrace
Perth WA 6000

PO Box 6381
East Perth WA 6892

Tel: (08) 9325 0600
Fax: (08) 9325 5976

Western Australia 1 business law and commercial law australian consumer law export

Transfer Duty

State Revenue Website


QBE House
200 St Georges Terrace
Perth WA 6000

GPO Box T1600
Perth WA 6845

Tel: (08) 9262 1400
Fax: (08) 9226 0842

Revenue Online
State Revenue Contacts

Landgate

www.landgate.wa.gov.au

1 Midland Square
Midland, WA 6056

P.O Box 2222
Midland 6936 WA

General Enquiries (08)9273 7373
Customer Service (08)9273 7341
Regional 1300 556 224
Fax (08) 9250 3187

customerservice@landgate.wa.gov.au

Business hours 8.30 - 5.00
Lodgement Hours 8.30 - 4.30

Other Offices

Intellectual Property and Domains

www.ipaustralia.gov.au

Phone: 1300 651010 or 02 6283 2999
Fax: (02) 6283 7999
assist@ipaustralia.gov.au

IP Australia
PO Box 200
Woden ACT 2606

Lodging in person:

IP Lodgement Point
Perth GPO
Shops 3 and 4, 3-7 Forrest Place
Perth WA 6000

Lodging via mail to an IP Lodgement Point:

IP Lodgement Point
Locked Bag 9854
PERTH WA 6001

Australian Copyright Council


Corporations Law - ASIC

Australian Securities & Investment Commission

www.asic.gov.au

Level 3, 66 St Georges Terrace
Perth WA 6000

GPO Box 9827
Perth WA 6001

DX 158 Perth

Phone 1300 300 630
Hours 9am - 5pm

Forms

Forms are available from the ASIC site here

This includes Smart Forms - PDF versions that you can complete on your computer

Class Orders

Australian Stock Exchange (ASX)

www.asx.com.au

Melbourne Office
Level 45, South Tower, Rialto
525 Collins Street
Melbourne, Vic, 3000

Phone: 131 ASX (131 279)
Fax (Excluding company announcements):
(02) 9227 0885

ASX Listing Rules by Number
ASX Operating Rules
Western Australia 3 business law and commercial law australian consumer law export

General

Industry Complaint Resolution Bodies

There are also bodies appointed to resolve disputes within particular Industries, Departments or particular areas of concern.

Industry Complaint Resolution Bodies

National Law Societies

National Law Societies
Special Interest Legal Groups
Law Reform

Notaries

Notaries

Business Licences & Safety

The Business Licence Information Service (BLIS) provides details of all licences you may require to operate your business in Australia, including Commonwealth, State/Territory and Local Government requirements.

You can check details of licences held by Estate Agents , Motor Car Traders, Travel Agents, Second Hand Dealers and others at Licence search.

For information on building and construction, see Builder's licence search.

Australian Consumer Law

www.consumerlaw.gov.au

www.productsafety.gov.au

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.