QIU Mortgage and Finance

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QIU Mortgage and Finance

Your Trusted Partner in Mortgage Solutions! Kimmi is a credit representative CR480327 of Buyers Choice Licencing Pty Ltd ACN 626172281 ACL509484.

18/04/2025

Happy Easter! 🐣 🐣
Enjoy the chocs & chill…🍫🥂
but if home goals pop up🍾🏠
I’m just a message away!🐣🍫✨

18/07/2024

Expanding your business and streamlining operations can be made easier with asset finance. By accessing the necessary tools and equipment without heavy upfront costs, you can propel your business forward. I specialise in commercial asset finance loans and would be eager to discuss how I can assist in achieving your business goals. Whether you are looking to purchase new equipment, upgrade technology, or expand your vehicle fleet, asset finance can revolutionise your operations. By spreading out the cost of crucial assets over time, you can improve cash flow and start generating income immediately. Say goodbye to waiting to save up capital and start seizing opportunities as they arise. There is a wide range of assets that can be financed, including vehicles, machinery, technology, office equipment, medical equipment, and more. Also provides options like sale and buybacks for added flexibility. Be sure to consult with your accountant about potential tax deductions on the interest paid. Ready to take the next step? Let’s explore the ideal options to support your vision and objectives. Reach out today to discover how asset finance can fuel the growth and success of your business.

08/05/2024

🏡 Unlock Your Dream Home with MyState Bank! 🏡

Looking to step into homeownership or refinance your current mortgage? MyState Bank has created more possibilities, your trusted lender in making those homeownership dreams a reality!

🔑 Owner-Occupied Home Loans: Get up to 98% borrowing for first-time buyers and those with limited savings, because we believe everyone deserves a place to call home.

💼 Investment Loans: Dive into property investment with ease, accessing up to 95% financing inclusive of Lender Mortgage Insurance. Let's grow your portfolio together! No rental expenses if you live with family 5 years or more!

🔍 Fully Assessed Pre-approvals: Take the guesswork out of house hunting! Gain clear insights into your borrowing capacity before you start exploring properties.

💰 Competitive Interest Rates: Their rates are tailored to fit your needs, ensuring affordability without compromising on quality service.

🛡️ Home Guarantee Scheme: We've got your back every step of the way. Benefit from tailored programs, grants, and discounts designed to ease your first home purchase journey.

🔄 Refinance: Switching loans has never been smoother! Say goodbye to the hassle of providing statements for loans listed on Equifax CCR.

Ready to turn those homeownership dreams into reality? Contact us today and let's embark on this exciting journey together! 🌟 🏠 T&C apply

02/05/2024

🌟 Exciting News: Welcome UPTAIN to Our Lender Panel!
🎉 Big Thanks to Linda (BDM) for Sharing Insights on Their Specialties!
🌍 Specialized Products for Expat, SMSF, and Non-Resident Borrowers 💼
📞 Reach Out to Us for More Information and Opportunities 🏘🏡

08/01/2024

Sending wishes for a joyful 2024! We eagerly await your continued support and pledge to deliver exceptional service to our clients 😃

Reach out to us today to discuss all your financial needs. Servicing State-Wide 7 Days a week.

27/10/2023

What a gorgeous day as we head into the weekend☀️! Wishing everyone a great time😃

Kimmi Qiu

12/05/2023

Did you know there are many types of car loans? I can also assist with Personal loans and Car loans as well.

☎️Please contact me if you have any queries 0430066386. Servicing State-Wide 7 Days a week.

Car Loan Type类型*

Personal car loan
用于私人用途的一种个人车贷，需要用收入来申请，一般利率较高。
For personal use which needs to be verified with income and generally has a higher interest rate.

Chattel Mortgage
商业贷款的一种，适用于商业用途的汽车贷款. Sole Trade, Partnership, Company 都可以申请chattel mortgage, 通常注册登记一年以上的 ABN（包括 sole trader, small business，company等）并注册 GST 都可以直接办理申请汽车贷款。
This car loan is a type of commercial loan, which is suitable for commercial purposes. Sole Trade, Partnership, and Company can all apply for chattel mortgage. Usually verification for chattel mortgage is ABN/GST registration over 12 months.
优势：车贷利息和折旧都可以抵税, 也可以申请GST退回，有更好的现金流。
Advantages: Car loan interest and depreciation can be tax deducted, and you can also apply for GST refund, which has better cash flow.

Car Lease
这就是从贷款机构租赁了一辆车，贷款机构拥有汽车所有权. 租赁期到期后您可以选择trade in 汽车后购买新车做一个新的租赁，或者付清剩余款项讲汽车过户到自己名下，也可以对剩余的款项做一个refinance car loan同时也拥有汽车。
You as the customer has leased (rented) a car from a lending institution, and the lending institution owns the ownership of the car. After the lease period expires, you can choose to trade in the car and buy a new car for a new lease, or pay off the remaining amount and transfer the car to your own name. You can also do a refinance car loan on the remaining amount then own the car.
优势：车行的金融方案会提供租赁到期后一个保证的回收汽车价格，客人无需担心换车时卖车的烦恼。
Advantages: The financial plan of the car dealership will provide a guaranteed price for recycling the car after the lease expires, and you don't need to worry about selling the car when changing the car.

Novated Lease
这是car lease 的一种，是介于您（雇员），雇主，贷款机构之间的汽车租赁合同。贷款机构将汽车买下后租给您，同时从雇主处收取您税前的收入来支付租赁费用。
Novated lease is a type of car lease, which is a car lease contract between you (employees), employers, and lending institutions. The lender buys the car and leases it to you, and collects your pre-tax income from the employer to pay for the lease.
优势：Novated lease 适合高收入PAYG人士（10w澳币以上）客人，可以用税前收入支付汽车租金，油费，保险，路政费。
Advantages: Novated lease is suitable for high-income PAYG customers (above 100,000 Australian dollars), and can use pre-tax income to pay for car rental, fuel, insurance, and registration.

Refinance
车贷也有refinance, 适用于以下几种情况：
1、换一个利率更好的车贷产品。
2、对即将到期的车贷balloon部分做一个新的车贷。
3、新的购车计划。
Car loans also have refinance, which is applicable to the following situations:
1. Change to a car loan product with a better interest rate.
2. Make a new car loan for the balloon part of the car loan that is about to expire.
3. New car purchase plan.

*T&C applies

27/04/2023

🏥 For Registered Nurses, you can now borrow up to 90% and pay no LMI ( Lenders Mortgage Insurance )*

☎️Please contact me for more info on 0430066386. Servicing State-Wide 7 Days a week.

*T&Cs apply

Address

Suite F1, 2 Winterton Rd Clayton VIC 3168
Melbourne, VIC

Website

https://buyerschoice.com.au/brokers/kimmi-mitsos/

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