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General Insurance Broking
Launch Mid February 2007 |
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Analysis Tool | |
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Kingsbridge & Eagle has developed unique, user-friendly software which enables our clients to accurately assess their individual situations following a few simple steps. The software was developed with the purpose of analysing the residential market. It calculates effective rates after fees and charges from a variety of banks/lenders.
K & E’s software is unique because it is able to compare offerings from banks/lenders when split and structured loans are required by clients. By using the software K & E’s clients receive quality advice and up-to-date information when selecting the most suitable loan and financing structure. |
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- Calculation of all costs associated with the placement of the loan
- Calculation of the deposit / equity required by the borrower
- Calculation of Lenders Mortgage Insurance premium if required
- Calculation of Loan to Value Ratio
- Calculation of generic Debt Servicing Ratio
- Calculation of real interest rate after fees and charges on a product by product basis
- Serviceability model for banks/ lenders and outcome
- Detailed upfront and ongoing costs
- Calculation of monthly, fortnightly and weekly repayments
- Calculation of interest saving using offset accounts
- Tax tables - calculation of Net Income After Tax
- Calculation of term reduction if payments are increased
Negative Gearing analysis showing
- Net Rental Income per annum
- Estimated expenses based on assumptions—including depreciation
- Total Investment Loss
- Tax Benefit
- Net After Tax and Debt Servicing Cash Flow
- Capital Growth Annually
- Rate of Return on Investment
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