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Car Loans – The Basics

Car Loans – The Basics

Car finance isn’t exactly exciting to those who don’t work in the industry. However, it’s important if you plan on purchasing a car at any point. You must become familiar with car finance terms such as interest rates, finance period, and you must find it within yourself to read every last word of the fine print on any car finance note you sign. This is one of the primary reasons so many consumers feel less than thrilled about shopping for a new vehicle, but there are a few tips that make the car finance process a little less stressful.

Find Your Own Car Finance Options 

If you’re going to finance a new vehicle, find your own lender. While dealerships have lenders they work with by allowing you to come to the dealer and sign paperwork to find financing, it’s not a great idea. Anyone who knows anything about car finance knows finding your own financing is the best option. Dealers don’t look for the best rates or options for you. They work with the companies they have contracts with, and that’s where they offer you a car finance option. You want to look at your own financial institution or others you’re familiar with to see if their car finance options are a better fit for you. Another option would be to get a Stratton Finance Novated Lease (however this is only available if you are employed by somebody else).

Know Where You’re Getting the Best Rate 

Most people think they get a better deal and save a lot more money when they buy a second-hand car. Even if a second-hand car is a year or two old with very few miles on it, you’re getting a better interest rate with almost every car finance lender if you buy a brand-new car such as a Mazda Finance Stratton. Your job now is to do a little math to find out where you’re getting the best rates and saving the most money. You might be surprised how much you can save buying a new car rather than a second-hand car when you compare the rates your lender is offering. 

Your car buying process tedious, but you want to walk away from this deal with the best rates, the best payment options, and the best finance options. A vehicle is an expensive purchase no matter which kind you buy. You need to be sure you’re getting the most for your money, and you also need to be sure you really like what you’re driving. If you find your car isn’t what you want because you settled due to lack of finance options or high rates, you’re going to end up car shopping again a lot sooner than you anticipated.

What Is A Novated Lease?

What Is A Novated Lease?



Benefits packages come with many different aspects depending on where you work. Some companies offer retirement and savings packages, others offer living expenses, and some even offer bonuses and great health care. It all depends on where you work, where you live, and what you want most in a benefits package from your employer. In Australia, many employees are offered another great incentive that helps them save money and buy a new car at the same time. It’s called a novated lease package, and it’s good news for many people. If you’ve never heard of a novated lease, you’re not alone. It’s time to learn what it is and how it works.

What is a novated lease? 

A novated lease, such as the ones offered by www.strattonfinance.com.au/novated-lease is a type of car payment assistance. Your employer offers a novated lease package that allows you to lease a new car with the company signing the lease. The company then pays the novated lease payment for you each month out of your income. This benefits you because it’s one less thing to worry about. While the money used to pay the novated lease payment is your own, someone else is writing the check to the lease company, and all your maintenance is paid for with that money.

Why should I bother with a novated lease? 

This kind of lease program is great news. Not only do you never worry your lease payment is late or forgotten, which can negatively affect your credit, you also save money when you buy a car Mazda Finance by Stratton this way. How? Your company uses your pre-tax income to pay the car payment. In fact, many people who lease a car with their company end up with a higher paycheck every pay period when they go this route.

When your pre-tax income is used to make your car payment, it lowers your taxable income. Your employer then takes fewer taxes out of your income, you owe less money, and you sometimes get just a little more money each pay period because your tax rate is so much lower.

If you’re in the market for a new car, a novated lease is a great option in Australia. You reap so many more benefits than you imagine, and it’s also a great concept for other reasons. You can use the car however you please, and it’s not regulated by your company. It’s not a company car. It’s your car, but your employer is only guaranteeing your payments are made. You drive it as you see fit.

Understanding Affordable Car Loans

Understanding Affordable Car Loans

When many people purchase a new car, there is a tendency to pick out a vehicle that meets their needs and preferences as a first step. Then, they will apply for a new car loan and try to make the payment fit into their budget. This strategy can unfortunately lead to drivers taking on a payment that is not affordable for their budget. The good news is that payments for car loans are calculated with three primary factors. When you understand what these factors are and how you can manipulate them in your favor, you can more easily set up payments for future car loans that are truly affordable for your personal budget.

The Amount Financed
One of the three components used to determine payments for car loans is the amount that you finance. This is determined by subtracting your down payment amount from the vehicle sales price. Remember that there are additional purchases costs as well, such as taxes and lender fees. The sales price and the down payment are both within your control. If you cannot afford a loan payment, you can select a less expensive vehicle. You could also make a larger down payment.

The Loan Term
Car loans www.strattonfinance.com.au/car-finance/car-loan usually have a term that ranges from three to six years, but you may be able to shorten or extend this in some cases. A shorter term length generates a higher loan payment. While you can make payments for car loans more affordable by choosing a longer loan term, keep in mind that the longer loan means that the loan balance will be paid off more slowly. If you select a longer term, you could potentially find yourself owing more on your vehicle than it is worth.

The Interest Rate
A final component that is used to calculate payments for car loans is the interest rate. Interest rates are not typically negotiable and are established by lenders based on several factors. The term length of your loan as well as your credit rating are two factors that affect the interest rate. Remember that you can shop around for a better rate. If your credit rating is the cause of high interest rates for quotes on car loans, you can spend a few months improving your credit scores.

Monthly payments for car loans should be manageable for your budget. Remember, however, that these payments are only one of the costs of ownership. In addition to the payments for car loans, you will also have to pay for fuel, insurance, repairs, maintenance and more. There are other methods of obtaining a vehicle other than getting a loan. You could also opt for a Novated Lease https://www.strattonfinance.com.au/novated-lease if you’re employed by a business or organization.