bosbroker.com.au

Transcription

1 bosbroker.com.au Follow us on Apple, the Apple logo, iphone, and ipod touch are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc.

2 History Bank of Sydney has been operating in Australia under a full banking license since April 2001 and is 100% owned by and has been strongly invested in by Bank of Beirut SAL. Formerly known as the Laiki Bank, the bank re-launched with its new name in Whilst we maintain our close relationship with our traditional communities, the name change serves to broaden our reach and our exposure into wider communities. Bank of Sydney has 16 branches in Sydney, Melbourne and Adelaide. We are constantly working to meet the changing needs of our customers and broker partners by offering new and competitive products. Bank of Sydney maintains a healthy loan-to-deposit ratio a strong capital position. And has achieved double -digit growth for the last 3 yrs. Our vision is to become Australia s only true relationship Bank and we aim to be the preferred lender for mortgage brokers in the second tier banking space.

3 Financial Strength As at December 2013

4 Product Suite Variable Rate Interest rates Fees Features Discount of 1.69% pa off the standard variable rate for the life of the loan Max term 30 yrs. Minimum loan $100,000 $0 application fee $0 redraw fee $0 account keeping fees Legal fees paid up to $400** Valuation fees paid up to $330** Package fee $395 p.a. Free 100% Home Loan Offset account Max borrow 90% LVR^ Internet Banking access Annual Fee-free Visa Credit Card Customer cashback $500- *Expect More Home Loan Package applies to owner-occupiers and residential investors for new loans and/or refinances from other banks only. The Special Variable Rate is subject to change without prior notice. This Special is based on a discount of 1.59%p.a. off thestandard Variable Rate for loan amounts above $250K. (Current Standard Variable Rate is 6.38%p.a). ***The comparison rate is based on a secured loan of $150K over a term of 25 years. Normal lending criteria applies. WARNING: These comparison rates are true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.^subject to lenders mortgage insurance.

5 Product Suite Fixed Rates Interest rates Fees Features Peace of mind of a fixed interest rate Split rate facility available No fee to re-fix at end of term# Minimum amount of loan: $100,000 $0 application fee $0 account keeping fees Legal fees paid up to $400** Val fees paid up to $330** Package fee $395 p.a. waived year 1 Max borrow 90% LVR^ Internet Banking access Annual Fee-free Visa Credit Card Customer cashback $500- Additional or lump sum repayments are allowed without penalty~ *Expect More Home Loan Package applies to owner-occupiers and residential investors for new loans and/or refinances from other banks only. The Special Fixed Rate is valid as of and is subject to change without prior notice. The comparison rates are based on a secured loan of $150K over a term of 25 years. Normal lending criteria applies. WARNING: These comparison rates are true only for the examples given and may not include all fees and charges. ^ Subject to mortgage insurance. **Legal fees up to $400 and valuation fees up to $330 are only covered for initial application. ~ No penalty for payments up to $10,000p.a. Break costs will be payable subject to Terms & Conditions for any payments exceeding $10,000p.a. # Rate lock fee applies if customer wishes to lock in the rate.

6 Accessing the BOS Network Via Online banksyd.com.au Via Mobile Banking App Via 16 Branches in Sydney, Melbourne, Adelaide Via Post Via rediatm network Apple, the Apple logo, iphone, and ipod touch are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc.

7 Commissions Upfront: 0.70% (plus GST) Trail: 0.20% (plus GST) Commences on drawdown Clawback: 75% year 1 only

8 Our Value Proposition Courage Ownership Passion Respect Urgency Go the extra mile Builda good trusting reputation with our broker partners Develop personal relationships Listen to, understand and anticipate ourbroker needs Respond efficiently to our brokers requests and enquiries

9 Accreditation Process bosbroker.com.au/accreditation

10 Contact Details Phone: Fax: John Foley (M) (L) Steve Sampson steve.sampson@banksyd.com.au (M) (L)