// Copyright © 2004 Australasian Management and Technology (AMAT) PTY LTD, Suite 8, 340 Darling Street, Balmain NSW 2041, Australia. All rights reserved. 

// Warning: This computer program is protected by copyright law and international treaties. Unauthorized reproduction or distribution of this program, or any portion of it, may result in severe civil and criminal penalties, and will be prosecuted to the maximum extent possible under the law.



// AMAT MortgageFirst Disclaimers



	var strGeneral = 

	'<p><strong>Fortnightly and Weekly Repayments: </strong>' +

	'Please note this calculator divides monthly repayments by two in order to calculate the fortnightly repayment and ' +

	'divides monthly repayments by four in order to calculator the weekly repayments. ' +

	'This is how most Australian banks perform the calculation. ' +

	'Be aware that when using this method and paying your loan fortnightly or weekly, you actually make extra loan repayments.' +

	'<br><br><strong>Disclaimer: </strong>' +

	'The information and calculations shown above are provided for informational purposes only. ' +

	'Due to rounding errors and other calculation errors, the information may not always be accurate. ' +

	'In addition, the above calculations assume that the interest rates do not change over time. ' +

	'If you take a variable rate mortgage, the interest rates will change over time and hence your repayments ' +

	'will also change. You should confirm the exact repayment amounts, along with interest rates and other ' +

	'terms and conditions with your mortgage representative and each bank and funder, before making your mortgage ' +

	'financing decisions.<p>';



	var strHowMuch = 

	'<p><strong>Disclaimer: </strong>' + 

	'Please note that the above calculation does not constitute an offer for mortgage finance as this software ' +

	'does not check your eligibility to take a mortgage loan. The information and calculations are provided for ' +

	'informational purposes only. You should check your eligibility to borrow with your mortgage representative. ' +

	'Your mortgage representative can provide you with the serviceability and eligibility requirements for each bank and funder.</p> ' +

	'<p>Due to rounding errors and other calculation errors, the ' +

	'information may not always be accurate. In addition, the above calculations assume that the interest rates ' +

	'do not change over time. If you take a variable rate mortgage, the Interest rates will change over time and ' +

	'hence your repayments will also change. You should confirm the exact repayment amounts, along with interest ' +

	'rates and other terms and conditions with your mortgage representative and each bank and ' +

	'funder, before making your mortgage financing decisions.</p><br><br>';

	

	var strStampDuty = 

	'<p><strong>Disclaimer: </strong>' +

	'The above stamp duty calculations are provided for information purposes only and are subject to change without notice. ' +

	'You should check exact stamp duty amounts with your solicitor before making finance or property purchase decisions.<br><br>' +

	'*Please note that the LMI premium calculation should be used for loan amounts up to $500,000 and with LVR ' +

	'levels between 80% and 95%. For interest only loans the LMI premium can only be calculated to a maximum loan of $300,000<br><br>' +

	'Figures provided are an estimate only. Actual cost will be confirmed by your lending institution in a written letter of offer. ' +

	'Premium will be impacted by choice of lender, loan amount, property value and loan type.</p>'



	var strLMIPremium =

	'<p><strong>Disclaimer: </strong>' +

	'Please note that the LMI premium calculator should be used for loan amounts up to $500,000 and with LVR '+	'levels between 80% and 95%.<br><br>' +

	'Figures provided are an estimate only. Actual cost will be confirmed by your lending institution in a written letter of offer. Premium will be impacted by choice of lender, loan amount, property value and loan type.</p><br><br>'

	

	var strComparisonRate = 

	'<p><strong>Disclaimer: </strong>' +

	'Please note the comparison rate calculator is a simulation and provides a "best guess". ' +

	'You should always check interest rates, comparison rates and fees and charges of loan products before making ' +

	'finance or property purchase decisions. Your mortgage representative can provide more information on comparision rates.</p><br><br>'

	

	var strMoreInformation = 

	'<p><strong>Where can I go for more information</strong></p>' +

	'<p>You should contact one of the following State Government Agencies for more information about Stamp Duties: <br><br>' +

	'<table cellspacing="0" cellpadding="1" border="0" width = "500px" class="doctext">' +

	'    <tr>' +

	'        <td valign="top" width="40%"><strong>NSW</strong></td>' +

	'        <td valign ="top" width="60%">' + 

	'            Office of State Revenue<br>' +

	'            132 Marsden St Parramatta 2150<br>' +

	'            Ph: (02) 9689 6200<br><br>' +

	'            Stamp Duties<br>' +

	'            Ph: 1800 629 550<br>' +

	'            <a href = "http://www.osr.nsw.gov.au" target="_blank">www.osr.nsw.gov.au</a><br><br>' +

	'        </td>' +

	'    </tr>' +

	'    <tr>' +

	'        <td valign="top" width="40%"><strong>ACT</strong></td>' +

	'        <td valign ="top" width="60%">' + 

	'            ACT Public Service<br>' +

	'            Revenue Office Canberra Nara Centre<br>' +

	'            1 Constitution Avenue Canberra City 2600<br>' +

	'            Ph: (02) 6207 0029<br>' +

	'            <a href = "http://www.act.gov.au" target="_blank">www.act.gov.au</a><br><br>' +

	'        </td>' +

	'    </tr>' +

	'    <tr>' +

	'        <td valign="top" width="40%"><strong>VIC</strong></td>' +

	'        <td valign ="top" width="60%">' + 

	'            State Revenue Office<br>' +

	'            505 Little Collins Street Melbourne 3000<br>' +

	'            GPO Box 1641N, Melbourne Victoria 3001<br>' +

	'            Ph: 13 2161<br>' +

	'            <a href = "http://www.sro.vic.gov.au" target="_blank">www.sro.vic.gov.au</a><br><br>' +

	'        </td>' +

	'    </tr>' +

	'    <tr>' +

	'        <td valign="top" width="40%"><strong>QLD</strong></td>' +

	'        <td valign ="top" width="60%">' + 

	'            State Revenue Office<br>' +

	'            505 Little Collins Street Melbourne 3000<br>' +

	'            GPO Box 1641N, Melbourne Victoria 3001<br>' +

	'            Ph: 13 2161<br>' +

	'            <a href = "http://www.sro.vic.gov.au" target="_blank">www.sro.vic.gov.au</a><br><br>' +

	'        </td>' +

	'    </tr>' +

	'    <tr>' +

	'        <td valign="top" width="40%"><strong>SA</strong></td>' +

	'        <td valign ="top" width="60%">' + 

	'            State Revenue Office<br>' +

	'            505 Little Collins Street Melbourne 3000<br>' +

	'            GPO Box 1641N, Melbourne Victoria 3001<br>' +

	'            Ph: 13 2161<br>' +

	'            <a href = "http://www.sro.vic.gov.au" target="_blank">www.sro.vic.gov.au</a><br><br>' +

	'        </td>' +

	'    </tr>' +

	'    <tr>' +

	'        <td valign="top" width="40%"><strong>NT</strong></td>' +

	'        <td valign ="top" width="60%">' + 

	'            State Revenue Office<br>' +

	'            505 Little Collins Street Melbourne 3000<br>' +

	'            GPO Box 1641N, Melbourne Victoria 3001<br>' +

	'            Ph: 13 2161<br>' +

	'            <a href = "http://www.sro.vic.gov.au" target="_blank">www.sro.vic.gov.au</a><br><br>' +

	'        </td>' +

	'    </tr>' +

	'    <tr>' +

	'        <td valign="top" width="40%"><strong>WA</strong></td>' +

	'        <td valign ="top" width="60%">' + 

	'            State Revenue Office<br>' +

	'            505 Little Collins Street Melbourne 3000<br>' +

	'            GPO Box 1641N, Melbourne Victoria 3001<br>' +

	'            Ph: 13 2161<br>' +

	'            <a href = "http://www.sro.vic.gov.au" target="_blank">www.sro.vic.gov.au</a><br><br>' +

	'        </td>' +

	'    </tr>' +

	'    <tr>' +

	'        <td valign="top" width="40%"><strong>TAS</strong></td>' +

	'        <td valign ="top" width="60%">' + 

	'            State Revenue Office<br>' +

	'            505 Little Collins Street Melbourne 3000<br>' +

	'            GPO Box 1641N, Melbourne Victoria 3001<br>' +

	'            Ph: 13 2161<br>' +

	'            <a href = "http://www.sro.vic.gov.au" target="_blank">www.sro.vic.gov.au</a><br><br>' +

	'        </td>' +

	'    </tr>' +

	'</table>' +

	'</p>'