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1 lending Lending Advice.much more than just a Mortgage Broker

2 living a life well planned

3 We rebate trail commissions it s our gift to you. We are very well known for our pioneering rebating of trail commission model when providing Lending Advice. Please ask us about our professional service and pioneering trail commission rebate and find out why we are so much more than just a mortgage broker. Rebating trail commissions means leaving you with increased funds to spend on other bills you get throughout the year e.g. car registration, insurance. Brokers receive an upfront and trail commission, essentially we rebate back to you the trail commission after costs and we are happy to service you after your loan settles. This is the benefit of Lending Advice, as you receive the professional service you deserve from a Lending Advisor that has taken the time to understand you and your goals to find the loan that suits your personal situation. 1

4 The Loans that we do: Home Loan First Home Buyers Investment Loans Refinancing Unlocking Equity Self Employed Applicants Debt Consolidation Self Managed Super Fund (SMSF) Borrowing Expat Loans Car Loans Personal Loans Yes, there are many types of lending available through us, so please sit down with one of our Lending Advisors to discover what you can achieve. 2

5 Variable vs Fixed Rates to fix or not to fix Is that the question? Currently in Australia fixed and variable rates are historically low, but what will they be next week, month, year or even next 10 years? It is difficult even for experts to make long-term interest rate predictions they often get it wrong. Your choice of loan is determined by your situation and your own financial priorities. Your choice needs to be made with your own financial goals in mind and with consideration of your income, cash flow and need for security or flexibility. Fixed & Variable Rates simplified: Fixed Rate - Offers the security of knowing your repayments won t change during the selected fixed term. This allows precise budgeting and planning of your personal finances Variable Rate - Fluctuates with the market - Offers extensive flexible options of extra repayments, redraw and offset - Both principle and interest or interest only terms available - 30 years terms available Split Loan - A combination of fixed and variable (the best of both worlds) - Allows you to split your loan amount between fixed interest and variable interest rates. Everyone is different and after conducting an assessment of your financial situation and understanding your future goals, allow us to assist with a suitable loan for you. - Provides protection from interest rate fluctuations - Is taken out for a set period usually (1 to 10 years) with a set interest rate - When a fixed period ends you can re-fix the rate again or switch to a variable rate - Both principle and interest or interest only terms available 3

6 Self Managed Super Fund (SMSF) Borrowing. Thinking of buying a residential investment property through super? 6. Settlement this can be a long process so a long settlement is both best and possibly a necessity. Do you want to own a commercial property through your super? 7. The costs please talk to one of our Lending Advisors to gain some understanding of the costs involved, which are specific to SMSF borrowing. Are you a Self Employed that is paying rent to another landlord? Here a few points to consider when thinking about SMSF borrowing There is a great opportunity for you to borrow through your self managed super fund if it is right for you and it is prudent to speak with both a Lending Advisor, Financial Advisor and Accountant prior to making any decisions. 1. You do not have a SMSF it is both important and prudent to speak with a Financial Adviser to discuss if this structure would suit you. Please sit down with us to discuss this new borrowing that is quickly growing in popularity and which lenders may be suited to you. 2. You currently have a SMSF do you have the correct trustees in place and do you have a corporate trustee? 3. Property Type property type you are purchasing and whom are you buying it from and for what purpose? The answers are all very important as the SMSF structure has limitations on all of these. 4. Investment Strategy you will need a documented investment strategy. 5. Protection in place you will need to have considered insurance as part of your investment strategy. 4

7 Notes: General Advice Warning: Any advice in this publication is of a general nature only and has not been tailored to your personal circumstances. Please seek personal advice prior to acting on this information. Before making a decision to acquire a financial product, you should obtain and read the Product Disclosure Statement (PDS) relating to that product.

8 A Life Well Planned Lending Pty Ltd Authorised Representatives Australian Finance Group Limited Australian Credit License , Credit Representative Number L50, 120 Collins St Melbourne Vic 3000 T (03) M E

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