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Our Finance
Finance & Lending
- Refinance & consolidation of existing debts
- Finance of investment properties
- Finance for share portfolios
- Leasing & insurance for equipment | motor vehicles
We all generally have some level of debt, whether it is home loans, credit card, investment loan, etc. Ensuring you have the correct structure in place with your loans, will potentially save you a considerable amount of money which can be used elsewhere.
There are numerous finance products available in the market place, and generally speaking it’s not hard to get a loan, but is your loan best for your situation?
Whether you are purchasing your first home, buying an investment property, or just looking to refinance, we have access (via our extensive networks) to a wide range of lenders and a variety of different products to ensure that you have the best product available for your personal situation. We are not affiliated to any product provider, and will ensure the hassle is taken out of the borrowing process for you.
JBS Financial Pty Ltd holds an Australian Credit Licence #393950 and are members of the Financial Ombudsman Service (FOS).
Salary Packaging and Remuneration Planning
We all want our salaries to go further and traditionally employers have steered away from packaging employees’ salaries. With the help and advice of specialists within the remuneration planning field, it is possible to structure employees’ salary packages in an efficient and cost effective manner, which benefits both the employer and employee.
What does your organisation do in this area?
With the co-operation of your employer, it allows you to decide which tax you will pay to obtain maximum benefits; your choice is PAYG, FBT, or GST. GST is not paid on items packaged via salary packaging and is returned as a credit to the employee.
In some circumstances it is possible to negate any Fringe Benefits Tax (FBT) by a member contributing to the running expenses of their vehicles. This is a complex area and requires in depth knowledge of the continuous changes to FBT regulations.
Via our Salary Packaging partners, Income Essentials, we have the expertise and technology to present you with the most suitable solution for your situation under current legislation. Income Essentials are also well qualified to provide advice to employers in the area of Fleet Management and to employees in regards to the purchase and correct leasing of vehicles.
Contact JBS to discuss how we can best help your situation.
JBS Financial Pty Ltd, ACN: 143 808 637, Australian Credit License: 393950
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JBS Financial Strategists Pty Ltd | Level 7, 24 Albert Road, South Melbourne Victoria 3205. Tel 03 8677 0688 Fax 03 8677 0600 Email strategies@jbsfinancial.com.au
Advice on salary packaging is available from our partners Income Essentials: www.incomeessentials.com.au
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