Astute Ability Group now have lo-doc (self declared income) car finance available to self employed applicants.  This has also been expanded to include yellow goods (ie) Excavators, Bob Cats etc. There is no additional charge for this service but you need to have held your ABN for at least 12 months. Other than that the conditions for qualifying customers are fairly simple:

• Be a home owner/mortgagee OR
• Have an existing ‘A’ rated finance history with a mainstream lender
• New or used vehicles less than 5 years old

It is a simple and quick process – we can usually get an approval within 4 working hours of taking your application. So upgrade your vehicle today with a minimum of fuss – call us to discuss your application on (02) 4367 7277.

Are you looking for an accountant that can provide a personal service and value for money?  Astute Ability Group is now working in conjuction with  a number of highly successful accountancy firms on the Central Coast.

Astute Ability Group are currently offering a free one hour consultation to all our business clients that are looking for an accountant who can go that extra mile, providing a wealth of knowledge and most importantly save them some money. If you are looking for that creative accountant to provide a quality service then call us now for more details.

0243 677277. www.info@astuteability.com.au

Even though mortgage interest rates appear to be creeping up regardless to what the RBA decide,  interest rates for commercial lending on cars and equipment continue to fall mostly due to the increased competition between lenders.

It’s taken a long time for commercial lending rates to be reduced to their pre-GFC levels but with the latest round of cuts from most funding sources it looks like we are not far away now.

This of course means our clients can take advantage of these competitive rates and save!

Please contact Astute Ability Group to find out how these reduced interest rate products can help with your next CHP, Lease, Rental or Chattel Mortgage.

02 4367 7277  or email to info@astuteability.com.au

The finance and loan market can appear unlimited and overwhelming to most. With so many lenders offering packages and deals, it can be confusing as well as daunting to know if you are getting the best financial solution to your needs.

HOW CAN ASTUTE ABILITY GROUP ASSIST YOU?

• Our independent and experienced team are business finance experts who are in contact with leading banks, non-banks and private funders daily.

• We have access to a wide range of lenders and loans therefore we are able to offer more options saving you time and money.

• Finding the right loan is not just a matter of finding the cheapest rate, we examine your individual and business circumstances as well as future plans to recommend a loan that is just right for you.

WHY CHOOSE ASTUTE?

ü  Our business offers an Australia wide service.

ü  We pride ourselves on being professional, personalised & knowledgeable.

ü  With many years experience and a member of MFAA, we will endeavour to find you a better deal that is hassle free without any unnecessary delays.

Contact Astute Ability Group on 02 4367 7277 or 1300 306 694.

Many perceive interest rates as an indication as to whether you are receiving a “good deal” on your finance package. With many leading car manufacturers advertising low rate interest rates through their in-house dealership finance, some can appear too good to be true. To drive away in a brand new car paying an advertised rate of 2%-4% is a very enticing way to upgrade your vehicle and get into debt if everything is what it appears.

The fine print will always provide you with all the details you require. Be aware that some low rates are only available over a specific loan term, with a hefty deposit to be paid up front. The loan term may be over a very short period of time, which can make the average monthly repayments still quite high. In most cases, a slightly higher interest rate with a longer loan term period may in fact be cheaper each month in the repayment.

These low rate deals on offer may only exist on new vehicles or to specific models that are on run out or on slow selling models. The most common is that the rate is only applicable to business owners not your every day consumer. Some customers simply don’t qualify for such a low rate due to past CRA issues or being a general risk to the lender.

A good indicator as to whether you’re getting a “good” deal is to consider the comparative interest rate on offer. This includes additional fees & charges that may apply ie set up fees, account keeping fees and administration charges. Some finance packages do not include all fees & charges and these are required to be paid upfront which can be in the thousands.

Consider what the total monthly/weekly repayment on offer will be. This is the amount you will be committed to for the duration of the loan term. If these repayments are within your budget, then that is the best indicator as to whether the deal is right for you. Read all fine print before committing to any “great” deal & seek professional advise if need be.

Last Monday, Gosford Golf Club held a charity golf day and auction night for the Sue Suters Ovarian Cancer Fund. Astute Ability Group were amongst one of the proud sponsors of this great inaugural event.

The day was blessed with  gorgeous sunshine and with the fabulous auction held later that evening, an estimated $30-35K  was raised. This significant contribution will be used  to assist those ovarian cancer sufferers on the Central Coast with much needed home based services. A very successful day indeed!

Astute Ability is sponsoring a charity golf day for the “ Sue Suters Ovarian Cancer Fund” (SSOC).

This will be held at Gosford Golf Course on the 14th of November 2011.

On this day they are having a Charity Auction also a BBQ Lunch with 18 holes and a two course dinner for $95 per person for further information call the SSOC on 1300 734 347

ATTENTION!

Want to purchase a new vehicle but want to keep your financial history private?

YES!

Then call us now!

We are offering car loans up to $75k with no financials!

43677277

On the 16th may 2011, ANZ will change self declared financials lending limits. Self declared financials will be available for NUCC (unregulated) motor vehicle lending up to $75k (up from $50k) – the existing customer criteria is to be applied and still limited to 2 contracts per 12 month period.