business loans? let s get to work

Size: px
Start display at page:

Download "business loans? let s get to work"

Transcription

1 business loans? let s get to work

2 2 we hear you

3 Our versatile, award-winning loans have helped australian small and medium SIzed businesses grow. Liberty Financial is a recognised leader in financial services that offers a broad range of finance options to both consumers and businesses. Our commercial loans have helped many small to medium-sized Australian businesses grow. From commercial loans that enable the purchase of business premises to debtor finance that provides cash flow solutions, Liberty s versatile loans are designed to give you effective, efficient answers to your business financing needs. If you need answers quickly, give us a call. We re listening. 3

4 Make your office your asset Whether it s buying your business premises or refinancing an existing loan, we can help. 4

5 Commercial Loans At Liberty, we can help you achieve your goal of buying your business premises, or we may be able to help with a better deal on your existing loan. We are happy to discuss your circumstances. Whatever your situation, we are likely to have the right solution for your business. What makes us different is our ability to assess each application on its own merits and offer solutions that are tailored to your unique situation. While some lenders try to fit everyone into a box, we will treat you as an individual. When assessing an application, our most important considerations are whether there is a benefit to the borrower and whether they can repay the loan. So for small to medium-sized businesses, we have developed a flexible range of lending solutions to help fund the purchase or refinance of commercial property. Features Competitive rates High permissible LVR of up to 80% Long loan terms of up to 30 years Alternative income verification, including Accountant s Declaration or your most recent Business Activity Statements No line fees, review fees, mandate fees or account keeping fees No annual reviews a genuine set and forget facility We lend across a wide range of postcodes Fast approvals and settlements. Fees and charges Our commercial loans have no ongoing fees and no annual review fees. We offer a true set and forget facility. Fees may apply when setting up your loan, which will consist of fees charged by Liberty and fees imposed by external parties (such as government taxes). These fees vary depending on the type of product and your particular situation, but may include: One-off application fee Mortgage stamp duty Document preparation fee Search costs Solicitor settlement fee. 5

6 Keep the cash flowing Liberty s debtor finance product provides an innovative alternative to business overdraft facilities. Debtor Finance For most companies, their outstanding invoices (often referred to as the debtors ledger ) are by far their greatest asset, but invoices often convert to cash at a much slower rate than necessary for a healthy cash flow. A typical situation is when suppliers demand payment within 7 days, while customers may take 30 days or more to pay. The subsequent gap can be difficult to manage, especially if the business is experiencing increased growth. Debtor finance can solve this problem. 6

7 Features Lending up to 90% of the value of invoices Funds available in 24 hours A credit line flexible enough to satisfy historic, projected and seasonal sales Utilise balance sheet assets to fund business growth instead of personal assets Funding can be confidential and discreet You retain complete control over debtor relationships. Debtor finance is a way for businesses to raise working capital. Debtor finance also known as invoice discounting - provides the business (the borrower) with finance based on the value of its outstanding debtor accounts. A revolving credit facility is established, which provides funding at up to 90% of the value of invoices being issued by the business. The rest is made available to the business, less any interest or fees, when your customers (debtors) pay. Liberty s debtor finance provides an innovative alternative to businesses overdraft facilities one that doesn t rely on bricks and mortar security. Businesses suited to debtor finance Small to medium sized businesses that are registered companies, with an annual turnover of between A$1 million and A$75 million are ideally suited to this form of finance. They must provide goods or services to other businesses and preferably have a diverse base of revolving debtors. Industries which are well suited to Debtor Finance include: Manufacturers food & beverage, household products, other sub-sectors Commercial services and supplies - employment services, commercial printing, other sub-sectors Transportation freight, logistics, other sub-sectors Health care equipment and supplies; and Telecommunication services. What does it cost? The interest rate is determined on a riskbased assessment of your business and the quality of your debtor book. Rates are generally comparable to prevailing overdraft rates. How we can help your business Accelerate your cash flow Release your personal assets Track your invoices Additional cost savings Alleviate the strain on your working capital. 7

8 FIND OUT MORE: If you would like to learn more about Liberty Financial and how we can help you reach your financial goals, speak to an accredited broker. Alternatively, visit us at our website or contact us on RESIDENTIAL LOANS - COMMERCIAL LOANS - ASSET FINANCE - DEBTOR FINANCE LEGAL DISCLAIMER: Whilst every effort has been made to ensure the information is accurate at the time of publication, this brochure is only a guide and Liberty Financial does not warrant its accuracy, adequacy or completeness. It does not constitute an offer or inducement to enter into a legally binding contract and is not part of the terms and conditions for any Liberty product. Liberty recommends you seek independent advice if you intend to rely on the information contained in this brochure. Applications for credit are subject to the lending criteria applicable at the time of the application. Liberty Financial is not liable to you (whether in contract, tort, negligence or for breach of statute or otherwise) for any losses, damages, liabilities, claims or expenses (including legal costs) you may suffer in relation to the material in this brochure. Copyright 2010 Liberty Financial Pty Ltd. All rights reserved. Liberty Financial and the Liberty Star logo are registered trademarks of Liberty Financial Pty Ltd. PUBLISHED JUNE 2010

BOOKKEEPING SYSTEMS INTRODUCTION TO FACTORING. Paper 002-038 CONTENTS

BOOKKEEPING SYSTEMS INTRODUCTION TO FACTORING. Paper 002-038 CONTENTS BOOKKEEPING SYSTEMS INTRODUCTION TO FACTORING CONTENTS Page 1. What Is Factoring?... 2 2. Factoring Overview... 2 3. How Does Factoring Work?... 2 4. Alternative Method Of Factoring... 3 5. Benefits Of

More information

You do the deals. We ll do the rest.

You do the deals. We ll do the rest. You do the deals. We ll do the rest. Mortgage software solutions for originators, aggregators, brokers and financial services providers. PO R Symmetry is a brand of Stargate Group. For over thirty years,

More information

HOME LOAN GUIDE. Call 1300 17 87 87 1ststreet.com.au

HOME LOAN GUIDE. Call 1300 17 87 87 1ststreet.com.au HOME LOAN GUIDE Call 1300 17 87 87 1ststreet.com.au CONTENTS FIND ALL YOU NEED TO KNOW 4 6 8 10 12 16 18 19 22 24 26 1st Street The Story Your 1st Street Mortgage Broker Lender Options The Plan Lenders

More information

Commercial Broker Application & Assessment for Commercial Finance/Asset Finance Brokers

Commercial Broker Application & Assessment for Commercial Finance/Asset Finance Brokers Submitting your Application Complete and return the application form, assessment test and your Australian Credit Licence Number ASIC confirmation to your Commercial Broker Manager by email or fax. If you

More information

Incisive Business Guide to Factoring

Incisive Business Guide to Factoring Incisive Guide to Factoring Factoring Guide Summary This guide from Incisive outlines the features and benefits for your business from using factoring and invoice discounting services. Factoring is commonly

More information

lending Lending Advice.much more than just a Mortgage Broker

lending Lending Advice.much more than just a Mortgage Broker lending Lending Advice.much more than just a Mortgage Broker Notes: living a life well planned General Advice Warning: Any advice in this publication is of a general nature only and has not been tailored

More information

Home loan check up. Reviewing the health of your home loan

Home loan check up. Reviewing the health of your home loan Home loan check up Reviewing the health of your home loan 2 3 Contents Debt consolidation & refinancing 3 Considering refinancing? 4 Benefits of refinancing 6 Know the costs of refinancing 12 It s natural

More information

lending Lending Advice.much more than just a Mortgage Broker

lending Lending Advice.much more than just a Mortgage Broker lending Lending Advice.much more than just a Mortgage Broker living a life well planned We rebate trail commissions it s our gift to you. We are very well known for our pioneering rebating of trail commission

More information

WHICH IS FOR ME? HOME LOANS MADE EASY

WHICH IS FOR ME? HOME LOANS MADE EASY WHICH IS FOR ME? HOME LOANS MADE EASY About this booklet At ING DIRECT, we try to make finding the right home loan as easy as possible. That s what this booklet is all about. All our home loans are described

More information

Home Loan Refinancing Guide

Home Loan Refinancing Guide Home Loan Refinancing Guide Contents How refinancing works... 3 Steps to refinancing... 4 Choose the home loan that s right for you... 4 Give your loan a regular 'health check'... 9 Aussie is a trade mark

More information

We ll help make buying your first home easier

We ll help make buying your first home easier First Home Buyers We ll help make buying your first home easier First Home Buyer Award recognised in 2008 by CANNEX. 02 Buying your first home doesn t have to be complicated. We ll take the hassle out

More information

Article Accounting Terminology

Article Accounting Terminology Article Accounting Terminology Contents Page 1. Accounting Period... 4 2. Accounts Payable (Sundry Creditors)... 4 3. Accounts Receivable (Sundry Debtors)... 4 4. Assets... 4 5. Benchmarks... 4 6. B.O.S.

More information

Fast Finance Made Easy

Fast Finance Made Easy Fast Finance Made Easy The largest specialist short-term lender in Australia with the capacity and stability to provide consistent and reliable loan solutions to the commercial arena From application to

More information

Access to Finance: Tips to Guide SMEs

Access to Finance: Tips to Guide SMEs Access to Finance: Tips to Guide SMEs CPA Australia Ltd ( CPA Australia ) is one of the world s largest accounting bodies representing more than 139,000 members of the financial, accounting and business

More information

Interest is only paid on the amount of the overdraft drawn down.

Interest is only paid on the amount of the overdraft drawn down. Overdraft By enabling you to overdraw from your cheque account, an overdraft is particularly useful at times when income is temporarily insufficient to meet payments that are due. Overdrafts do not require

More information

Refinance your business debt

Refinance your business debt Refinance your business debt For many small businesses the initial financing arrangements put in place at start up are still in place many years later. For example, a company starts off with a simple overdraft

More information

Home Loans made easy

Home Loans made easy Home Loans made easy Finding the information you need in this brochure 03 Your own Home Loan Specialist 04 Why Suncorp Bank 06 Home loan options explained 6 Variable Rate 8 Fixed Rate 8 Line of Credit

More information

Professional Service for Professional People!

Professional Service for Professional People! Professional Service for Professional People! MA Finance is a boutique Australian mortgage broker firm that assists individuals and entities in obtaining various types of finance. That includes home loans,

More information

Vendor Finance. Huonville: 8/16 Main St, Huonville 7109 DX 70754, Huonville PO Box 239, Huonville 7109 Ph: 03 6264 2967

Vendor Finance. Huonville: 8/16 Main St, Huonville 7109 DX 70754, Huonville PO Box 239, Huonville 7109 Ph: 03 6264 2967 Vendor Finance Huonville: 8/16 Main St, Huonville 7109 DX 70754, Huonville PO Box 239, Huonville 7109 Ph: 03 6264 2967 Hobart: Level 1, 18 Elizabeth St, Hobart 7000 DX 231, Hobart GPO Box 16, Hobart 7001

More information

Explaining Enterprise Finance Guarantee Loan Mis-selling

Explaining Enterprise Finance Guarantee Loan Mis-selling Business Loan Claims Explaining Enterprise Finance Guarantee Loan Mis-selling All Square. All Fair. January 2015 1 Enterprise Finance Guarantee Loans were sold through the main UK high street banks and

More information

Barton Bridging Capital Application Form

Barton Bridging Capital Application Form Barton Bridging Capital Application Form Broker Name: Fee: Company: Date Sent: PLEASE ADDRESS ALL CORREPONDENCE TO: Prince of Wales House 3 Bluecoats Avenue Hertford SG14 1PB FAX: 0844 568 9889 Email:

More information

Common Types of Consumer Credit. 23 June 2014

Common Types of Consumer Credit. 23 June 2014 Common Types of Consumer Credit 23 June 2014 Disclaimer for presentation This presentation is intended to provide a general overview for information and educational purposes only and is not a comprehensive

More information

FAMILY PLEDGE HOME LOAN. Product Specification. Effective as at 12 June 2015

FAMILY PLEDGE HOME LOAN. Product Specification. Effective as at 12 June 2015 FAMILY PLEDGE HOME LOAN Product Specification Effective as at 12 June 2015 This product specification is the property of Bank of Melbourne. It is for the use of Bank of Melbourne employees, contractors

More information

NON-REGULATED BRIDGING LOAN

NON-REGULATED BRIDGING LOAN NON-REGULATED BRIDGING LOAN PERSONAL APPLICATION FORM Borrowers Name: Address of property to be used as security: Please note: Mint Bridging Limited is not authorised and not regulated by the Financial

More information

Family Pledge Home Loan Product Specification

Family Pledge Home Loan Product Specification Family Pledge Home Loan Product Specification For further information www.partners.stgeorge.com.au Mortgage Central 1300 137 532 This product specification is the property of St.George Bank. It is for

More information

SMSF gearing package. multiport.com.au. Issued 7 July 2014 Multiport Pty Ltd ABN 76 097 695 988 AFS Licence No. 291195

SMSF gearing package. multiport.com.au. Issued 7 July 2014 Multiport Pty Ltd ABN 76 097 695 988 AFS Licence No. 291195 SMSF gearing package multiport.com.au Issued 7 July 2014 Multiport Pty Ltd ABN 76 097 695 988 AFS Licence No. 291195 Contents Multiport s SMSF gearing package 1 An exciting new opportunity 2 How does it

More information

The Pepper Advantage Suite of Home Loans

The Pepper Advantage Suite of Home Loans The Pepper Advantage Suite of Home Loans product guide Contents Pepper Flexi Advantage 2 Pepper Flexi Advantage PLUS 4 Pepper Self-Employed Advantage 6 Pepper Self-Employed Advantage PLUS 8 Pepper Easy

More information

DEBTOR FINANCE: So you are interested in Debtor Finance but you re not exactly sure what it is or how it works.

DEBTOR FINANCE: So you are interested in Debtor Finance but you re not exactly sure what it is or how it works. DEBTOR FINANCE: So you are interested in Debtor Finance but you re not exactly sure what it is or how it works. You need Debtor finance so that you can receive cash straight away to fuel your business

More information

DEBTOR FINANCE. Please FAX signed application form back to Nova Business Finance on 1300 138 187

DEBTOR FINANCE. Please FAX signed application form back to Nova Business Finance on 1300 138 187 DEBTOR FINANCE Please FAX signed application form back to va Business Finance on 1300 138 187 va Business Finance is pleased to accept your application with a view to providing you with a solution to your

More information

Relocation With End Loan Product Specification

Relocation With End Loan Product Specification Relocation With End Loan Product Specification For further information www.partners.stgeorge.com.au Mortgage Central 1300 137 532 This product specification is the property of St.George Bank. It is for

More information

Applying for a loan. Information for small business. FACT SHEET June 2009. Understanding bank speak

Applying for a loan. Information for small business. FACT SHEET June 2009. Understanding bank speak FACT SHEET June 2009 One of the key challenges for many small to medium businesses is working out how to approach the bank for a loan. Small businesses often look to finance their business needs with debt.

More information

Equity Finance Mortgage (EFM)

Equity Finance Mortgage (EFM) Introducing the award-winning Equity Finance Mortgage (EFM) Best New Product of the Year 2007 Best New Product of the Year 2008 What is an EFM? An Equity Finance Mortgage (EFM) is an award-winning home

More information

* Licensed in this guidance note refers to holding an Australian Credit Licence (ACL) or being a credit representative of an ACL.

* Licensed in this guidance note refers to holding an Australian Credit Licence (ACL) or being a credit representative of an ACL. FINANCIAL ADVISORY SERVICES Consumer credit reform Guidance for CPA Australia Public Practitioners February 2011 Introduction On 1 July 2010 ASIC took over the regulation of consumer credit and finance

More information

Business Lending. Maximising your cash flow and financing your business needs

Business Lending. Maximising your cash flow and financing your business needs Business Lending Maximising your cash flow and financing your business needs You drive the business. We ll drive the service. Often there just isn t enough time to stop and think about how you could improve

More information

Home and Investment Loans

Home and Investment Loans Head Office 117 Camberwell Road Hawthorn East VIC 3123 PO Box 338 Camberwell VIC 3124 Branch Office 687 Mt Alexander Road Moonee Ponds VIC 3039 PO Box 210 Moonee Ponds VIC 3039 victeach.com.au 1300 654

More information

FIND FINANCE FAST RESIDENTIAL BRIDGING GUIDE

FIND FINANCE FAST RESIDENTIAL BRIDGING GUIDE BRIDGING & FINANCE BROKERS FIND FINANCE FAST RESIDENTIAL BRIDGING GUIDE Bridging loans inside 48 hours Call us anytime 0800 699 0555 www.rapid-bridging.co.uk Introduction If you need short-term finance,

More information

Reverse Mortgage. That s what we re here for. Financial freedom to do the things you ve always wanted. Here for good.

Reverse Mortgage. That s what we re here for. Financial freedom to do the things you ve always wanted. Here for good. Reverse Mortgage Financial freedom to do the things you ve always wanted That s what we re here for. Here for good. Contents 2 The freedom of a Reverse Mortgage 3 Product overview 4 About Reverse Mortgages

More information

How do I arrange bank finance to help my small business grow and prosper?

How do I arrange bank finance to help my small business grow and prosper? How do I arrange bank finance to help my small business grow and prosper? In the current climate, it can be tough finding a bank that is prepared to lend to a small business. Amongst other challenges,

More information

NZQA Expiring unit standard 26286 version 2 Page 1 of 5

NZQA Expiring unit standard 26286 version 2 Page 1 of 5 Page 1 of 5 Title Demonstrate knowledge of the mortgage industry, lending principles, home loan products and apply the application process Level 4 Credits 5 Purpose People credited with this unit standard

More information

+ What you ll learn from this? Improve your cash flow & learn about Asset- Based Loans

+ What you ll learn from this? Improve your cash flow & learn about Asset- Based Loans Improve your cash flow & learn about Asset- Based Loans + What you ll learn from this? For businesses in need of funding, one option is the assetbased loan. In this guide, you will learn about asset-based

More information

FOR AFM ACCREDITED INTRODUCERS USE ONLY

FOR AFM ACCREDITED INTRODUCERS USE ONLY COMMERCIAL DIVISION Motor Vehicle & Equipment Full Doc Only Leasing Hire Purchase Novated Lease Property Full Doc 75% Lo Doc 75% Lease Doc 65% Construction 60% - 70% end value Chattel Mortgage FOR AFM

More information

Renew and upgrade your equipment. Equipment Finance

Renew and upgrade your equipment. Equipment Finance Renew and upgrade your equipment Equipment Finance Equipment that operates at peak performance is important to your practice s success. Old equipment can be costly to service and equipment down time can

More information

Seeing you through refinancing

Seeing you through refinancing REFINANCING GUIDE Seeing you through refinancing hether you re moving home, renovating, or simply looking for a different home loan, refinancing doesn t need to be complicated. At QuickSelect we are interested

More information

Cashflow Management. What is cashflow

Cashflow Management. What is cashflow Cashflow Management This Fact File Information Sheet looks at the key elements of cashflow, and how effective cashflow management will help protect the financial security of a business. It outlines the

More information

METHODOLOGY Home Loans

METHODOLOGY Home Loans METHODOLOGY Home Loans What is the CANSTAR Home Loan Star Rating? CANSTAR Home Loan Star Ratings use a sophisticated and unique ratings methodology that compares both Cost and Features across home loan

More information

A simply better home loan for you

A simply better home loan for you A simply better home loan for you A simply better home loan Buying a home is the great Aussie dream. Which is why at PLAN Lending we re committed to helping turn your dreams into reality, whether you

More information

Your business finance is in. good hands... www.gocommercialfinance.com 01446 506 508. Commercial & buy-to-let mortgages

Your business finance is in. good hands... www.gocommercialfinance.com 01446 506 508. Commercial & buy-to-let mortgages Your business finance is in Commercial & buy-to-let mortgages good hands... Asset, development & residential development finance Business loans, stocking finance, cash flow finance & bridging finance All

More information

Overview. Early Warning Signs of Business Distress. Invoice Finance Overview. Case Studies

Overview. Early Warning Signs of Business Distress. Invoice Finance Overview. Case Studies Sonja Pfitz Overview Early Warning Signs of Business Distress Invoice Finance Overview Case Studies Early Warning Signs of Business Distress Aging Receivables Ledger Aging Payables Ledger Increasing Tax

More information

SELF-MANAGED SUPER FUND LOANS

SELF-MANAGED SUPER FUND LOANS SELF-MANAGED SUPER FUND LOANS PART ONE: Purchasing an existing property or Off-The-Plan apartment using the banks money PART ONE: PURCHASING AN EXISTING PROPERTY OR OFF-THE-PLAN APARTMENT USING THE BANK

More information

Professional Indemnity Insurance and optional Public & Products Liability

Professional Indemnity Insurance and optional Public & Products Liability Advantedge Members (Incorporating PLAN, FAST and CHOICE Members) Professional Indemnity Insurance and optional Public & Products Liability Proposal form 2014-2015 Please return completed proposal form

More information

Guidance Note AGN 112.1 Risk-Weighted On-Balance Sheet Credit Exposures

Guidance Note AGN 112.1 Risk-Weighted On-Balance Sheet Credit Exposures Guidance Note AGN 112.1 Risk-Weighted On-Balance Sheet Credit Exposures Attachment C Eligible Residential Mortgages For capital adequacy purposes, a loan for housing or other purposes to an individual

More information

Funding Connector Sydney. Flexible Funding for High Growth Presenter: Lachlan Handley Fifo Capital

Funding Connector Sydney. Flexible Funding for High Growth Presenter: Lachlan Handley Fifo Capital Funding Connector Sydney Flexible Funding for High Growth Presenter: Lachlan Handley Fifo Capital Cash is king! Cashflow is key for all businesses! Rapid growth can o>en mean an increase in expenses (product

More information

Form LN Lending to UK Businesses

Form LN Lending to UK Businesses Form LN Lending to UK Businesses Introduction Form LN is designed to capture further detail of monetary financial institutions lending to UK businesses. It is completed on a legal entity basis and provides

More information

Personal Debt Solutions (Dealing With Debt) An Essential Guide by Debt Advisory Services (Scotland)

Personal Debt Solutions (Dealing With Debt) An Essential Guide by Debt Advisory Services (Scotland) Personal Debt Solutions (Dealing With Debt) An Essential Guide by Debt Advisory Services (Scotland) Why you should read this guide Many people living in Scotland, through no fault of their own, are struggling

More information

Pepper Home Loan Product Guide

Pepper Home Loan Product Guide Pepper Home Loan Product Guide 2 November 2015 V4.1 Find out why a growing number of brokers are sold on specialist lending For information on specialist lending including videos, case studies and modules,

More information

CIMA F3 Course Notes. Chapter 3. Short term finance

CIMA F3 Course Notes. Chapter 3. Short term finance CIMA F3 Course Notes c Chapter 3 Short term finance Personal use only - not licensed for use on courses 31 1. Conservative, Aggressive and Matching strategies There are three over-riding approaches to

More information

FUNDING SNAPSHOT 2013

FUNDING SNAPSHOT 2013 FUNDING SNAPSHOT 2013 Case Study How do I raise more finance for my business? Until recently the big banks were the first stop for businesses wanting to borrow money, but the marketplace is changing. Alternative

More information

HOME LOAN OPTIMISER. Call 6234 6400. Email info@lendme.net.au. Visit www.lendme.net.au HOW TO GET THE BEST OUT OF YOUR HOME LOAN

HOME LOAN OPTIMISER. Call 6234 6400. Email info@lendme.net.au. Visit www.lendme.net.au HOW TO GET THE BEST OUT OF YOUR HOME LOAN HOME LOAN OPTIMISER HOW TO GET THE BEST OUT OF YOUR HOME LOAN Visit www.lendme.net.au 2 3 CONTENTS Choose the right loan 3 Seek a mortgage broker to stay informed with competitive products 8 Maximize the

More information

Financing your business. Overdraft Line of Credit Credit Cards Business Loan Equipment Finance Specialised Finance

Financing your business. Overdraft Line of Credit Credit Cards Business Loan Equipment Finance Specialised Finance Financing your business Overdraft Line of Credit Credit Cards Business Loan Equipment Finance Specialised Finance At Bank of Melbourne, we know that no two businesses are the same. So our banking begins

More information

home loan basics Find the home loan that s perfect for you

home loan basics Find the home loan that s perfect for you home loan basics Find the home loan that s perfect for you 2 3 Contents Your mortgage broker 3 Using the services of a mortgage broker 4 Types of home loans 6 Home loans Features and options 12 Borrowing

More information

Funding business expansion. Asset Finance and Asset-Based Lending as alternative approaches to Debt Finance

Funding business expansion. Asset Finance and Asset-Based Lending as alternative approaches to Debt Finance Funding business expansion Asset Finance and Asset-Based Lending as alternative approaches to Debt Finance Targeting growth If there was any doubt whether the UK economy remains on the path to growth,

More information

A fresh alternative for Home Loan Help

A fresh alternative for Home Loan Help A fresh alternative for Home Loan Help Where the big lenders stop, Pepper begins. Pepper takes a personal approach to home loans. Whatever your circumstances, we ll work with your Pepper accredited mortgage

More information

anz@work Exclusive banking benefits while you work

anz@work Exclusive banking benefits while you work anz@work Exclusive banking benefits while you work 1 2 We re making work more rewarding. Thanks to our relationship with your employer, you can enjoy a range of exclusive benefits and discounts, simply

More information

A simply better home loan for you

A simply better home loan for you A simply better home loan for you A simply better home loan Buying a home is the great Aussie dream. Which is why at ChoiceLend we re committed to helping turn your dreams into reality, whether you re

More information

Website terms and conditions

Website terms and conditions Website terms and conditions Thank you for visiting our website. Before you go any further, it is important that you read and understand the conditions under which you will be using this site. Acceptance

More information

Want. to make. your. home. your. own? Find out if this could be the right time to consider buying. Your Right to Buy

Want. to make. your. home. your. own? Find out if this could be the right time to consider buying. Your Right to Buy Council or Housing Association tenants Want Your Right to Buy to make your home your own? Find out if this could be the right time to consider buying 1 Contents Why you might like to buy Why you might

More information

Home Loan Facility Agreement Terms and Conditions

Home Loan Facility Agreement Terms and Conditions Home Loan Facility Agreement Terms and Conditions Terms and Conditions Effective 13th July, 2013 ABN 55 094 317 665, ACL 286655, AFSL 286655. All rights reserved. 1 2 ABN 55 094 317 665, ACL 286655, AFSL

More information

belgraviafinance corporate profile

belgraviafinance corporate profile belgraviafinance corporate profile belgraviafinance a business unit of belgraviagroup Belgravia is a customer-focussed provider of finance to business. When you need money, it is in your interests to get

More information

Lombard Visa Card Account Conditions of Use

Lombard Visa Card Account Conditions of Use Lombard Finance Pty Limited Phone: 1300 132 302 PO Box 6227, Baulkham Hills NSW 2153 ABN 31 099 651 877 Australian Credit Licence 247 415 V0312 Lombard Visa Card Account Conditions of Use Your contract

More information

Alternative Finance for Small Business

Alternative Finance for Small Business Accountants E-Guide Alternative Finance for Small Business Find the best options for your clients What is Alternative Finance? Alternative Finance, or Non-Bank Finance means those financial products provided

More information

Funding for Growth. Introduction & brief outline of the format for today

Funding for Growth. Introduction & brief outline of the format for today Funding for Growth Funding for Growth: Does your business need working capital to grow? Introduction & brief outline of the format for today Attendees to introduce themselves & advise what they hope to

More information

Home Equity Loans and Lines of Credit

Home Equity Loans and Lines of Credit Delaware County Bank P.O. Box 1001 Lewis Center, OH 43035 740-657-7000 inforequest@dcb-t.com Home Equity Loans and Lines of Credit Page 1 of 5, see disclaimer on final page Home Equity Loans and Lines

More information

ANZ E*TRADE Share Investment Loan

ANZ E*TRADE Share Investment Loan ANZ E*TRADE Share Investment Loan Benefits at a glance Combine your money with a bank loan to increase your portfolio. Interest incurred on your loan may be tax-deductible. An optional diversified feature

More information

Lending Terms & Conditions. Current as at 23 November 2015

Lending Terms & Conditions. Current as at 23 November 2015 Lending Terms & Conditions Current as at 23 November 2015 1 Contents About this Brochure... 3 Part 1 - All Contracts... 3 1. Your Contract... 3 2. Acceptance... 3 3. Definitions and Interpretation... 3

More information

Chapter 8 Financing a Business 1: Sources of Funds

Chapter 8 Financing a Business 1: Sources of Funds Financing a Business 1: Sources of Funds Solutions to Even-Numbered Problems and Cases 8.2 Coté Biologique Limitée (CBL) Data: Annual credit sales $10,000,000 Average collection period 50 days Industry

More information

Long-term sources - those repayable beyond 1 year. No guaranteed return, but potential is unlimited. High risks require a high rate of return.

Long-term sources - those repayable beyond 1 year. No guaranteed return, but potential is unlimited. High risks require a high rate of return. Sources of Finance Ord Shares Total Finance Long Short Term Term Pref Shares Loans & Debens Bank O/D Leases Debt Factoring Long-term sources - those repayable beyond 1 year. Ordinary Shares The risk capital

More information

Easy Debits & Credits. A Step By Step Guide to Basic Bookkeeping

Easy Debits & Credits. A Step By Step Guide to Basic Bookkeeping Easy Debits & Credits A Step By Step Guide to Basic Bookkeeping This workbook, packed with simple explanations and practical activities has been written by Stephen Blacktop. Stephen has many years of experience

More information

Supporting documentation and verification guide. For NAB Homeplus and NAB Peak Performance

Supporting documentation and verification guide. For NAB Homeplus and NAB Peak Performance Supporting documentation and verification guide For NAB Homeplus and NAB Peak Performance Contents Income verification 2 Full time and part time employment (PAYG)2 2 Casual employment2 2 Return to work

More information

What does it mean? A Glossary of terms. Home Ownership Fact Sheet. Housing Programs Department of Housing and Public Works

What does it mean? A Glossary of terms. Home Ownership Fact Sheet. Housing Programs Department of Housing and Public Works Home Ownership Fact Sheet What does it mean? A Glossary of terms There are many words that are specific to property buyers, sellers and lenders. This list is designed to explain some of these words which

More information

The Code of Conduct for Business Lending to Small & Medium Enterprises Information Booklet

The Code of Conduct for Business Lending to Small & Medium Enterprises Information Booklet The Code of Conduct for Business Lending to Small & Medium Enterprises Information Booklet The Code of Conduct for Business Lending to Small and Medium Enterprises Information Booklet. Please read this

More information

Your Home Buying Guide

Your Home Buying Guide Your Home Buying Guide What s involved in buying a home? The steps in the buying process. How do I apply for a loan and what do I need to provide? Stephen Cornes T. 0411 391 954 W. www.genr8wealth.com.au

More information

Introduction. Philip O Reilly Managing Director Money Advice+CRM. Confidential and Copyright 2014

Introduction. Philip O Reilly Managing Director Money Advice+CRM. Confidential and Copyright 2014 Introduction Philip O Reilly Managing Director Money Advice+CRM Philip O'Reilly an experienced financial planner and chartered surveyor with over 30 years industry experience has been developing advisor

More information

PRESENTS. Top 5 Financing Options for Auto Repair Shop Owners

PRESENTS. Top 5 Financing Options for Auto Repair Shop Owners PRESENTS Top 5 Financing Options for Auto Repair Shop Owners TABLE OF CONTENTS Financing Options for Auto Repair Shop Owners 3 Unsecured Business Loans 4 Equipment Leasing & Financing 5 Business Line of

More information

businessmortgagesolutions

businessmortgagesolutions businessmortgagesolutions Tel: 01834 849797 email: info@business-mortgage.com All you need to know about funding your freehold business purchase Introduction Backed by over 20 years experience in arranging

More information

Another way to describe the repayment of your debt. Over the term of the loan, your regular repayments are said to amortise the loan.

Another way to describe the repayment of your debt. Over the term of the loan, your regular repayments are said to amortise the loan. A Additional Payment The method of significantly reducing your home loan with extra payments to your mortgage. Even paying fortnightly rather than monthly can have a big impact. Amortisation Another way

More information

Loan Accounts. Charges for specific services and accounts.

Loan Accounts. Charges for specific services and accounts. Loan Accounts. Charges for specific services and accounts. Effective Date: 22 November 2015 Fees stated are current as at the date of this brochure but may change from time to time. We will notify you

More information

INVOICE FINANCE. Cash flow solutions that support business growth

INVOICE FINANCE. Cash flow solutions that support business growth INVOICE FINANCE Cash flow solutions that support business growth 1 Contents Invoice Finance 3 Invoice Discounting 5 Factoring 6 How Factoring works 7 Payroll Finance 8 How Payroll Finance works 9 Additional

More information

Westpac. Loans. Personal. Loans

Westpac. Loans. Personal. Loans Westpac Loans Personal Loans As at 7 September 2014 Need money for a wedding, home improvements, to go on a holiday or even a new car to get there? Or do you simply want to consolidate your bills to have

More information

1. Applying Our application form is quick and easy to complete and as soon as we have it, we get in touch to discuss your options.

1. Applying Our application form is quick and easy to complete and as soon as we have it, we get in touch to discuss your options. NEED A BUSINESS LOAN? R50 000 R1 500 000 Easy application process Pay-out in as little as three days The single biggest challenge facing small to medium enterprises in South Africa today is accessing the

More information

A TO Z OF BUYING A PROPERTY

A TO Z OF BUYING A PROPERTY A TO Z OF BUYING A PROPERTY It s My Home explains some of the different steps involved in the property buying process Buying your first home is one of the most exciting things you will do in your life,

More information

An introduction to our Mortgage & Finance Broking service. We ll find the loan that s right for you

An introduction to our Mortgage & Finance Broking service. We ll find the loan that s right for you An introduction to our Mortgage & Finance Broking service We ll find the loan that s right for you We ve been helping Australians create secure financial futures since 1840 More than anything else, Australian

More information

Equity Unlock Loan for Seniors Fact Sheet

Equity Unlock Loan for Seniors Fact Sheet Equity Unlock Loan for Seniors Fact Sheet Description Equity Unlock Loan for Seniors is a flexible financing solution for people aged 65 and over. If your clients own their own home, they may be able to

More information

Financing your business. Overdraft Credit Cards Business Loan Equipment Finance Specialised Finance

Financing your business. Overdraft Credit Cards Business Loan Equipment Finance Specialised Finance Financing your business Overdraft Credit Cards Business Loan Equipment Finance Specialised Finance At Bank of Melbourne, we know that no two businesses are the same. So our banking begins with a conversation.

More information

Mortgage- and Lender-Related Settlement Costs

Mortgage- and Lender-Related Settlement Costs Mortgage- and Lender-Related Settlement Costs Most people associate settlement costs with mortgage loan charges which take place when a real estate mortgage closing is funded. These fees and charges vary;

More information

Home Loan Application Form

Home Loan Application Form How did you hear about us? (Tick only one source) TV Radio Newspaper/Magazine Internet Letter Email ANZ called me Referral from a friend/family Other - please specify Promotion code To assist us please

More information

PERSONAL GUARANTEE INSURANCE FAQ S

PERSONAL GUARANTEE INSURANCE FAQ S PERSONAL GUARANTEE INSURANCE FAQ S 1. What is a Personal Guarantee? When business owners or directors of small to medium enterprises (SMEs) secure a loan, invoice financing or overdraft from banks and

More information