Heritage Bank. Accreditation Presentation

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1 Heritage Bank Accreditation Presentation

2 Agenda 1. Who is Heritage Bank? 2. We are here to help 3. Residential mortgages 4. Product range 5. Policy guidelines 6. Tips and hints 7. The Heritage difference 8. The broker website 9. Service levels 10. Application process 11. Questions

3 Who is Heritage Bank? A mutual organisation Head office Based in Toowoomba, Queensland Over 135 years in business Over $8.5 billion in assets Representation in NSW, NT, Qld, SA, Tas, Vic & WA 14 consecutive years of profit

4 We are here to help Offer a full range of financial services Residential loans Personal banking (Visa, transaction accounts, personal loans) Investments (term deposits, savings) Insurance (Motor vehicle, landlords, residential, mortgage repayment insurance.) Financial planning Business Banking Distribution via: Branch network Third Party channel Alliances Service customers via: Contact Centre Internet Telephone banking (over-the-counter transactions) at Australia Post outlets ATM network and EFTPOS

5 Residential Mortgages Purchases Refinance Investment Construction Land purchase Debt consolidation Further advances Bridging finance Line of credits

6 Let s look at Discount Variable Product Home Advantage Package Fixed Rate Product Bridging Finance

7 Discount Variable home loan Target Market: If your clients are looking for a home loan with a low rate and basic features, the Discount Variable home loan is hard to beat. With an ongoing discounted interest rate and no monthly administration fee, this loan is perfect for people who love a good deal. Benefits: Ongoing discounted variable home loan rate No monthly administration fee Further advances available Redraw facility available Option to make additional or lump sum repayments without penalty First valuation fee paid by Heritage up to maximum $330 No offset account available Switching available $600 application fee 30 years maximum loan term Interest only term for Investment loans up to 5 years available Requirements Max 95% LVR Minimum $150,000 loan amount

8 Home Advantage Package Target Market For people who want to move up to a home loan package that is designed especially for high achievers, with lots of add on benefits. Requirements Max 95% LVR on Variable & Fixed rate products, 85% LVR on Living Equity Must borrow at least $150K within the package and hold at least one of the three Home Advantage loan products Must hold any qualifying Visa card Must pay the annual package fee Features Competitive Interest rates No application fee low annual package fee of $350 No monthly administration fee Additional repayments welcome without penalties Unrestricted redraw No application fee on further advances Loan Splits available Valuation fee on first security paid by Heritage up to $330

9 Home Advantage Package continued Visa Credit card No annual Fee 12 month introductory interest rate Transactional account Unlimited free Heritage transactions Up to 15 free Eftpos Unlimited free internet and telephone banking Insurances Up to 5% off base premium for most insurances Other Benefits 100% offset account available on variable loan Partial offset account available on fixed rate loans

10 Fixed Rate Home Loans Target Market: Fixed Rate loans are attractive to cautious borrowers and/or first homebuyers who maybe concerned about the affordability of their loan should interest rates rise. Benefits: $600 application fee $5 monthly administration fee Unrestricted redraw facility Extra repayments welcome with no penalty Partial offset account available Guaranteed interest rate and set repayment for up to 5 years at a time Interest only term for Investment loans up to 5 years available Rate guarantee available. Available for Construction Loans No cost to switch back into a fixed rate if applied less than 2 months to expiry Requirements Max 95% LVR Minimum $20,000 loan amount

11 Bridging Loan Target Market For people who are buying a new home before selling their current home. Benefits Competitive Interest rate Standard term of 6 months Application fee of $900 Maximum 72% LVR (on property sold) No repayments necessary until end of loan term Requirements Must be repaid within 12 months No early repayment or capital reduction penalties Interest automatically capitalised No monthly administration fee Additional or lump sum repayments welcome without penalty Valuation fee on first security paid by Heritage up to $330

12 Other product parameters to note Product Standard Variable, Fixed, Discount Variable, Professional Package Max LVR 95% Living Equity 85% Bridging Finance 72% Debt Consolidation 85% Line of Credit $8 Administration fee Interest only repayments for the first 10 years Fixed rates Administration fee of $5 Refix at end of fixed term for no cost Rate guarantee available at 0.12% of basic loan amount Partial offset account available Construction loans allowed

13 Policy guidelines to note Maximum Net Surplus Ratio allowable 95% Overtime and commission income is an acceptable form of income. Conditions apply. Third party guarantor loans will only be acceptable for husband and wife structures Loan qualifying rate is 7.15% Loan Type Commitment Calculation New Mortgage Loans (fixed / variable)* Higher of the Qualifying Rate or actual rate + 2% Existing Variable rate Higher of the Qualifying Rate or actual rate + 2% Existing Fixed rate (within 24 months of expiring) Higher of the Qualifying Rate or actual rate + 2% Existing Fixed rate (with more than 24 months remaining) Interest Only Loans Line of Credits Higher of the Qualifying Rate or actual rate + 2% Based on the principal amount owing, amortised over the remaining principal & interest period applicable to the loan. The maximum principal & interest period (or where the remaining principal & interest term is unascertainable) is to be 25 years. Based on the facility Limit, amortised over the remaining principal & interest period applicable to the loan. The maximum principal & interest period (or where there isn't a principal & interest period or the remaining principal & interest term is unascertainable) is to be 20 years. * New mortgage loans / new lending are defined as loans which have not been funded, irrespective of the financier or purpose of the loan.

14 Tips & Hints Ensure brief summary of loan is given For refinance applications, provide the outgoing Financial Institutions most current refinance form signed by the borrower For all fixed rate loan applications ensure the Rate Guarantee Acknowledgement form is completed and signed Ensure clients provide explanations with defaults Supporting information corresponds to checklist on application Pre-Approvals/Approvals in principal will not be assessed Contracts must be provided Supporting information is legible No company applications accepted Purpose is clearly stated Internet statements must have client details on them to be accepted

15 The Heritage Difference Credit card limits - ignored in special circumstances Company vehicle - $150 net per week allowed Petrol card - $50 net per week allowed 2 nd Mortgage finance available Rural properties up to % LVR Bridging finance is serviced on end debt Value for money lending BDM s are experienced lenders not just salespeople Direct access to loan assessors and processors No credit scoring

16 The Broker website The site offers a range of information on Heritage s products, policies and loan tracking system. Forms Rates Product information Policies and procedures Calculators Contacts Presentations Loan Tracking System

17 Service Levels Receipt of application Same day Conditional Approval 48 hours Formal Approval following receipt of acceptable valuation and all conditions satisfied Offer documentation 48 hours 48 hours Settlement 4 working days

18 Loan application process Application submitted electronically to Heritage Bank. Application reviewed to ensure Minimum Documents received. Does the app have sufficient info? Yes Application Assessed by MPO. Application Withdrawn after 5 days. More information requested from Broker. Application held for 5 working days then withdrawn. No Application Declined Notification Issued No Does the app meet guidelines? Yes File Settled Formal Documentation (48 hours) Formal Approval (48 Hours) Conditional Issued. Valuation ordered.

19 Awards and Recognition Australian Home Loan Awards 2013 Gold Medal Best Loan for 1 st Home Buyers Australian Home Loan Awards 2013 Silver Medal Bank of the Year Australian Home Loan Awards 2013 Silver Medal Best Variable Rate Home Loans Australian Home Loan Awards 2013 Bronze Medal Best Fixed Rate Home Loans Mozo People s Choice Awards 2014 Top 5 Mutual Bank Mozo Experts Choice Awards 2015 Discount Variable Loan Best Value First Home Loan & Best Value Variable Loan

20 All loans subject to application and approval. Fees, charges and conditions apply. Information correct as at 23 June 2015 and subject to change without notice. Heritage Bank Limited ABN AFSL Australian Credit Licence

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