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2 Achieve your Achieve financial your goals with our free financial service goals with our free service Call Call Page 2 // Welcome to Home Loans & More

3 Welcome to Home Loans & More We re the first company offering full service project management, with absolutely no cost to you. Home Loans and More was established in Adelaide in 2001, now holding over $120 million in mortgages under management making us a very experienced and safe company to deal with. Most of our business comes from happy customers referring their friends and family, or returning to us for their next project. Our Services Home Loans First Home Buyers Investment Loans Refinancing Debt Consolidation Real Estate Advice Investment Information Restructuring Existing Loans Achieve your financial goals with our free service. Contents 3. Welcome 4. Meet Our Team 5. Your Step-by-Step Guide to Purchasing a Property 6. Why Use a Project Manager? 7. What We Can Offer 8. Our Online Resources 9. Insurance 10. Testimonials 11. FAQ 12. Make an Appointment Contact Us Phone: Address: 687A Brighton Road, Seacliff SA 5049 Visit us online: homeloansandmore.com.au homeloansandmore.com.au // Page 3

4 Meet Our Team Jason Eitel Director Lucrezia Eitel Systems Support Kate Brown Loan Consultant Jodie Benwell Office Manager Cert IV Financial Services & Diploma of Financial Services Jason is the director of Home Loans and More, and has over a decade of home finance broking experience. He purchased his first property at 19 years of age, and an additional investment property at 22. Now with over 20 years investment experience Jason, with his wife Lucrezia, has a number of investment properties including a land subdivision and a self managed superannuation fund holding commercial property. Jason draws on this experience to advise clients the best way forward with their own money. At Home Loans and More, our team believes in project managing your loan from discussing real estate offers, buying shares, consolidating debt, along with liaising with real estate agents, conveyancers, accountants and financial planners to make the experience hasslefree from start to finish. Australian and New Zealand Institute of Insurance and Finance Associate Lucrezia is responsible for the office computer systems operating efficiently for peak performance of loan applications, and also managing the business expenses. Having a number of investment properties with Jason as well as being a full-time mum, Lucrezia has a great understanding of managing time and money. At Home Loans and More, we take the time to listen to you and truly understand what you want. We also take the time to answer all of your questions no matter how trivial you think they might be. We ll help guide you through the loan process whether you re buying your first home, an investment property or re-financing. Kate has 5 years experience within the finance industry, where she started as a Customer Service Representative for St. George Bank. Following on from this role, Kate began working as a Loan Processer whilst studying to become a Mortgage Broker, giving her a fantastic understanding of the whole loan process from start to finish. Before moving to Adelaide, Kate was responsible for managing the office of the firm where she worked as a Mortgage Broker for 2 years, again giving her invaluable experience dealing with clients and assisting them right through the loan process. Being able to assist my clients right through the process of their loan and take the guess work out of the transaction is very important to me. Home Loans & More is the perfect place for me to be able to work within my chosen field but to also ensure I continue offering great service to my clients. Jodie has worked in finance and banking since 1990, with various roles such as Administration Clerk, Business Relationship Manager, Personal Banker, Residential Lender, Branch Supervisor and Credit Manager. Jodie looks after your loan after it s been submitted and follows up with the banks and valuers, keeping everyone up to date with the progress of the loan. Jodie also assists with post-settlement work including organising bank accounts, insurance services and construction loan progress payments. I appreciate the efficiency of our office in being able to meet deadlines on behalf of our clients and our constant communication throughout the loan process. Page 4 // Welcome to Home Loans & More

5 Your Step-by-Step Guide to Purchasing a Property Sue Taylor Marketing Manager Sue has been in the Finance Industry as a Marketing Manager for over 12 years now. Experience includes managing referral points with real estate agents, accountants and financial planners as well as handling all promotional and marketing aspects of the business including signage, printed material and local community activities. Sue is also well versed in streamlining office systems to increase productivity levels as the business grows. Having had 11 properties under her belt, Sue demonstrates passion and ample experience in investing in the property market. At Home Loans and More, we pride ourselves on our excellent level of customer service and communication with all those involved in the loan process, from start to finish. 1. Book an appointment with Home Loans and More As soon as you are considering purchasing a property, the best step forward is to discuss your goals with one of our consultants. They ll make sure that what you are aiming for is realistic, and give you advice on the best way to proceed, including advice on pre-approval. 2. Start looking for properties in the price range discussed If any properties are of interest to you, the address to your Home Loans and More consultant who will do a background check on the property. Amongst other research, this may include how long the vendor has owned the property, comparative sales for the area, and how long the property has been on the market. 3. Ready to make an offer Your consultant will assist with how to do this, and strategies to ensure you have the best chance of securing the property. You are welcome to fill in offer forms or contracts at our office for us to send to the selling agent, or discuss over the phone prior to sending them yourself. If attending an auction, our consultant will be present at your request to ensure the process runs smoothly. 4. Great news, your offer is successful! Another interview with your Home Loans and More consultant is generally recommended at this stage. As you now have a firm price, it s best to check that the previously discussed loan product is still your best option. At this interview we will be preparing to lodge your application. 5. Organise insurance Once the cooling-off period has expired, you become liable for the property even though you haven t paid for it yet. To ensure all legalities are met, we can organise, on your behalf, free cover prior to settlement for up to 90 days. 6. Lender approval process Application is lodged on your behalf, and within 3-5 days we start to see status reports coming through. Our consultant will advise you of the progress, and if the contract is subject to finance approval they ll keep the real estate agent advised of progress, as well. During this process we also liaise with the valuer and conveyancer, to make sure everything is running smoothly behind the scenes. 7. Unconditional approval This is when we contact you with the good news that your loan has been formally approved and the agent is advised to put the SOLD sign up on your behalf. Home Loans and More will contact all relevant parties on your behalf. 8. Formal documentation signing At this point, legal documentation will be provided by your bank, ready for you to sign. The consultant who s worked with you throughout the process will check these documents over and explain them to you. Once lodged with your financial institution, your loan is ready to be booked in for settlement. From here, your conveyancer will organise the legal transaction on your behalf, ready for you to receive the keys to your new home. homeloansandmore.com.au // Page 5

6 Why use a Project Manager? These days life seems to be moving so much faster and we re all busier than ever. Businesses are running with fewer staff to try and keep costs down, there s more traffic on the roads, we re all juggling so many commitments with family, friends, career. There are more demands on us. More decisions we need to make. And less time. Our specialty is to take the time and stress out of your project. Whether it s buying some shares on advice from your accountant, purchasing a home, or just consolidating your credit card debts, Home Loans and More can take the reins and do the work for you. This includes negotiating the best way to proceed with your accountant or financial planner, or liasing with your conveyancer and real estate agent. We work out the best way to proceed, you a proposal outlining the structure and repayments, and then process it electronically on your go-ahead. The Services we can provide for you at no charge Latest information on current properties on the market 2. Liaising with your conveyancer, real estate agent, accountant or financial planner 3. Attending auctions and discussing purchase price offers 4. Organising progress payments and necessary paper work from the bank to your builder on construction loans 5. Tailoring loans to suit your individual needs with over 30 lenders to choose from 6. Assistance with Home, Contents and Car Insurance 7. Also available is Personal, Life, Trauma and Income Protection Insurance 8. We are a mobile service and cover ALL areas and offer AFTER hours appointments at a time that suits you! Page 6 // Welcome to Home Loans & More

7 What We Can Offer We offer home loans from over 30 different lenders. We re not part of a franchise group locked in with strict rules we re independent. Which means we re able to offer you a bigger choice of lenders than most of our competitors. For your convenience, interviews are held at a time and place to suit you. They generally last one hour. Please inform us when booking the appointment if your time is limited or if you feel you may need longer. As soon as you start thinking about purchasing a property, call us. We can explain what you need to have in savings, how much income you need to be earning etc. You may be closer to buying than you think. homeloansandmore.com.au // Page 7

8 Our Online Resources... Be sure to visit our website... homeloansandmore.com.au ONLINE CALCULATORS: LOAN REPAYMENTS BORROWING POWER PRINCIPAL & INTEREST EXTRA REPAYMENTS LUMP SUM SPLIT LOAN STAMP DUTY E-NEWSLETTER: Receive our quarterly newsletter, HAVEN. Page 8 // Welcome to Home Loans & More

9 We offer General and Life Insurance GENERAL INSURANCE: Building Contents Car In most instances, Building Insurance is a compulsory bank requirement when you take out a home loan. LIFE INSURANCE: Life Insurance Income Protection Mortgage Protection Package Trauma Cover Total & Permanent Disability Life Insurance can be a very affordable option protecting your family s financial future. It costs nothing to get a quote! It is our Duty of Care at Home Loans & More to make you aware of Insurance Products available to give you peace of mind that your most important assets are protected. Insurance homeloansandmore.com.au // Page 9

10 Testimonials from our happy clients PURCHASERS: We were really impressed by your prompt visit to our home at a time that suited our working hours. We appreciated the way you stepped us through the whole process, keeping us up to date every step of the way. If we had gone through the same process with our bank, I am sure that we would not have been able to secure our new home in the short time we had to work with. We will be in touch in the future and will be recommending your services to our friends. Thank you. Leah & Graham Port Noarlunga FIRST HOME BUYERS: I just wanted to thank you for all your hard work and running around that you did to get my loan through as I know it wasn t easy the way I work away from Adelaide and you worked around that very well. You made my first purchase of a property seem very easy and I appreciate it. I look forward to purchasing another as soon as I can and I will certainly be recommending you to all my friends. Well done. David Mawson Lakes INVESTMENT CLIENTS: I really appreciated the way you took the time to explain the parts of the investment process that I had no previous knowledge of which were a bit out of my depth, but you made me feel comfortable. Your easygoing nature is also an asset which I appreciated. Was impressed by the service overall and have already recommended you to other interested parties. Desmond & Cheryl Mawson Lakes RETURNING CLIENTS: From start to finish you have been a pleasure to deal with. This is the 3rd time you have done a mortgage for us and hopefully won t be the last. Easy to deal with, explained everthing well and made the bank easy to deal with. Bradley & Nicola Camden Park RESTRUCTURING EXISTING LOANS: Jason you present as someone who knows the financial market well. You have given open and honest advice even when it meant no immediate financial gain for you. You have a long-term approach to customer service which you deliver without fuss or fanfare. You made us feel at ease and offered ongoing support and financial planning advice without cost. You are honest and friendly and approachable. You have good business ethics. You listen and give the most straight and honest answer you can on the info you have. You go about your business with the view of developing a long term relationship with your client. You look out for the customer s interests. You come across as a good family man. James Aldinga Beach Page 10 // Welcome to Home Loans & More

11 FAQ It s simple to make an appointment with Home Loans & More... I ve seen brokers advertising who claim to offer outstanding service. What s the difference if I deal with Home Loans and More? If you re buying a home, we start our service by helping you work out what you re looking for in a property, including size, area etc. Together, we then work out how much that style of property will cost based on industry knowledge and researching past sales history. From there, we work out how to fund the property. In other words, the property you re looking to buy can make a big difference to the loan we recommend. This is quite different to other finance providers who recommend a loan based on the maximum amount you can borrow without factoring in your goals for that individual property. For example, if you re looking to buy a cheap unit to renovate and rent out, we may offer you a different loan than if you re looking to buy a high-value home to live in that needs absolutely nothing spent on it. At Home Loans and More, we tailor the finance to each individual s circumstances on the day. What s your best interest rate? The question should really be What s the best interest rate for me? Because the one size fits all cheap rate is quite often the worst loan for your particular circumstances! At Home Loans and More, we ll recommend the best loan for you which may not necessarily have the cheapest rate. Because don t forget the fees! And rates don t take into account your goals, either. At Home Loans and More, we do. Should I fix or stay variable? As a common theme at Home Loans and More, this again is tailored to you. We never recommend a fixed loan to try and beat the bank. Instead, a fixed rate should be seen as a form of insurance. Often, the more in debt you are based on your ability to repay, the more you need this form of insurance. Are you a part of an industry body? Yes, all loan consultants of Home Loans and More are full members of the Mortgage and Finance Association of Australia. Here is a list of the documents you will need so we can give you the correct information: INCOME: 2 recent payslips Latest tax assessment or group certificate Proof of rental or investment income (statements/lease agreements) Centrelink Family Assistance LIABILITIES: Personal Loans (6 months statements) Vehicle finance (6 months statements) Credit Cards (3 months statements) Investment loans (6 months statements) Department Store cards (3 months statements) Call Jodie to make an appointment! approvals@homeloansandmore.com.au homeloansandmore.com.au // Page 11

12 SEACOMBE ROAD BRIGHTON ROAD MAITLAND TCE Phone: PINE AVE P BARWELL AVE THOMAS ST ARTHUR ST 687A Brighton Road, Seacliff SA SCHOLEFIELD RD OCEAN BLVD