Call
|
|
- Lilian Fitzgerald
- 8 years ago
- Views:
Transcription
1 Call
2 Achieve your financial goals with our free service Page 2 // Welcome to Home Loans & More Call
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 Clint Sjoberg 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. Clint is an experienced loan consultant, having previously owned and operated a Refund Home Loans franchise for several years. During this time he completed the highest industry standard of studies available, including a Diploma of Financial Services. The move to Home Loans and More has enabled Clint to focus on ensuring the best loan products and service to clients, with the backup support of a large office. At Home Loans and More we go that one step extra to ensure clients are satisfied with all their enquires and will continue to offer the same high level of services to all future and existing 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 Julie Anne Administration Assistant Julie joined the Home Loans and More team with over 40 years experience spanning most aspects of banking. Her move to the broking world 4 years ago has seen her make a valuable contribution to Home Loans and More. Julie s whatever it takes to get the job done attitude has resulted in outstanding results for our valued clients. What has impressed me the most at Home Loans and More is the quality of loan submissions which invariably results in fast turnaround times for approvals and settlements for our clients. 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 Phone: A Brighton Road, Seacliff SA 5049 MAITLAND TCE PINE AVE P BARWELL AVE THOMAS ST ARTHUR ST OCEAN SCHOLEFIELD RD BLVD
Call 1300 133 778 www.homeloansandmore.com.au
Call 1300 133 778 www.homeloansandmore.com.au Achieve your Achieve financial your goals with our free financial service goals with our free service Call 1300 133 778 Call 1300 133 778 Page 2 // Welcome
More informationHOME 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 informationYOUR GUIDE TO BUYING A NEW HOME.
YOUR GUIDE TO BUYING A NEW HOME. THE ROAD TO YOUR NEW HOME STARTS HERE. Buying a new home is exciting, but there s a lot to think about. We re here to help, with practical tips and online tools that make
More informationThe Mortgage Guide. Helping you find the right mortgage for you. Brought to you by. V0050713a
The Mortgage Guide Helping you find the right mortgage for you Brought to you by Hello. Contents We re the Which? Mortgage Advisers team. Buying a house is the biggest financial commitment most of us ever
More informationOther publications available from the Homeloan Guru:
Other publications available from the Homeloan Guru: The A-Z of Home Purchase Financing your Home Purchase A Guide to the Cost of Home Purchase Debt Consolidation, how does it work? Home Buyer s Checklist
More informationMortgage Advisers. The Mortgage Guide Helping you find the right mortgage for you
Mortgage Advisers The Mortgage Guide Helping you find the right mortgage for you Hello. We re the Which? Mortgage Advisers team. Buying a house is the biggest financial commitment most of us ever make.
More informationHome and Investment Loans. Be ready to make your move.
Home and Investment Loans Be ready to make your move. We ve got what you need to make things happen. Whether you re thinking of buying your first home, your next home, an investment property, switching
More informationIntroduction 4. What is Refinancing? 5. Changing Home Loans 5 Changing Needs 6 Identifying Better Opportunities 6 Additional Home Loan Features 6
Contents Introduction 4 What is Refinancing? 5 Changing Home Loans 5 Changing Needs 6 Identifying Better Opportunities 6 Additional Home Loan Features 6 What are the Advantages of Refinancing? 7 1. Consolidating
More informationHome 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 informationMake yourself at home with the UHomeLoan
Make yourself at home with the UHomeLoan You ve probably got a few questions about UBank and the UHomeLoan. You should find all of the answers right here. And if you have something specific in mind, just
More informationbanking Your Home A guide to buying your next home www.bendigobank.com.au
banking Your Home A guide to buying your next home www.bendigobank.com.au Your Home A guide to buying your next home As you would already know from past experience, buying a new home is a great achievement
More informationHOME BUYERS GUIDE P1 GUIDE
HOME BUYERS GUIDE STEP 1 STEP 2 STEP 3 STEP 4 STEP 5 STEP 6 STEP 7 STEP 8 STEP 9 P 1300 939 675 or 07 4723 6612 F 07 4723 7699 A 23 Thuringowa Drive, Kirwan Q 4817 E info@greenlightonline.com.au w HOME
More informationHome 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 informationThe Home Loan Process
The Home Loan Process Step 1: Find out how much you can borrow Our mortgage consultants will work with you to find your borrowing capacity with our full range of lenders. Many banks and mortgage lenders
More informationlending 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 informationFirst Time Buyer Mortgage Information
First Time Buyer Mortgage Information If you re thinking about a Mortgage for your first home talk to us today A good time to talk to us? We re here to listen and help you whenever you need to talk to
More informationAdditional borrowing guide 1. Additional borrowing. We re with you every step of the way
Additional borrowing guide 1 Additional borrowing We re with you every step of the way Additional borrowing guide 2 What is additional borrowing? Sometimes you may be able to borrow extra money from your
More informationThe Simple Steps to Buying a House & Land Package.
The Simple Steps to Buying a House & Land Package. This leafl et will help you enjoy and understand every step to purchasing your House & Land Package. Purchasing the Land Purchasing a House & Land Package
More informationHOME LOAN ADVICE CENTRE e-course (PART 1)
HOME LOAN ADVICE CENTRE e-course (PART 1) Welcome to the Home Loan Advice Centre e-course. The information contained within this e-course is Home Loan Advice Centre s compilation of information, tips,
More informationWestpac. Home Loans. Enjoy a place of your own with your. Westpac. Home Loan
Westpac Home Loans Enjoy a place of your own with your Westpac Home Loan We know you d rather talk about your new home than a new home loan. After all, buying a home is an exciting journey. But we d like
More informationMortgage & Equity Release Guide
Edward Wilson Financial Services OVERVIEW Experience We have been advising clients since 1994, and have a wealth of experience for which there is no substitute. As an appointed representative of the Sesame
More informationLEGAL & GENERAL HOME FINANCE. Guide to Lifetime Mortgages
LEGAL & GENERAL HOME FINANCE Guide to Lifetime Mortgages A lifetime mortgage could give you the freedom to really enjoy your retirement. We re delighted you re finding out more about lifetime mortgages.
More informationLEGAL & GENERAL HOME FINANCE. Guide to Lifetime Mortgages
LEGAL & GENERAL HOME FINANCE Guide to Lifetime Mortgages A lifetime mortgage could give you the freedom to really enjoy your retirement. We re delighted you re finding out more about lifetime mortgages.
More informationPersonal Loans. Everything you need to get you moving.
Personal Loans Everything you need to get you moving. Start with Suncorp Bank If you ve found something you love, and you just can t wait to make it yours, a Suncorp Bank Personal Loan can help. Whether
More informationWe 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 informationWHAT S INSIDE. Financial Planning. Starting out. Young families. Established families. Empty nesters. Retirement Getting the best advice
FINANCIAL PLANNING If you re looking for advice on financial planning, this guide explains some of the things you may need to consider. We hope you find this guide and the important pointers to each life
More informationWestpac. Home Loans. Enjoy a place of your own with your. Westpac. Home Loan
Westpac Home Loans Enjoy a place of your own with your Westpac Home Loan We know you d rather talk about your new home than a new home loan. After all, buying a home is an exciting journey. But we d like
More informationPartnering with you to buy your home or investment property. Finding the right loan, how much to borrow and approval steps
Partnering with you to buy your home or investment property Finding the right loan, how much to borrow and approval steps Contents 04 Finding the right loan 08 Saving and borrowing for your home 12 Five
More informationPlan, Build, Enjoy! Everything you need to know about funding a new build or renovation
Plan, Build, Enjoy! Everything you need to know about funding a new build or renovation From foundations to fit out a construction loan can help you get there... Building a brand new home or completing
More informationHome and Investment Loans. Be ready to make your move.
Home and Investment Loans Be ready to make your move. We ve got what you need to make things happen. Whether you re thinking of buying your first home, your next home, an investment property, switching
More informationLIFETIME MORTGAGE LUMP SUM
LIFETIME MORTGAGE LUMP SUM Terms and Conditions (version 5) This is an important document. Please keep it in a safe place. LV= Lifetime Mortgage lump sum Terms and Conditions Welcome to LV=, and thank
More informationWhy choose LJ Hooker Home Loans?
Why choose LJ Hooker Home Loans? Welcome! Whether buying a first home, dream home or investing, for most of us the right lending product and structure is vital. In 2014 our lending specialists helped more
More informationWe designed UBank with one thing in mind; to help you make more of your money, the easy way. Alex Twigg. General Manager. UBank.
Hello. We designed UBank with one thing in mind; to help you make more of your money, the easy way. Alex Twigg. General Manager. UBank. 2. UBank UBank is all about you. We exist for you. Hence our name.
More informationHome 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 informationlending 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 informationYour guide to conveyancing. The journey starts here. Minimise delays with our top tips. navigat r. a nudge in the right direction
Minimise delays with our top tips The journey starts here navigat r a nudge in the right direction Things you can do to help We know you want to move quickly. This guide highlights things you can do along
More informationSelf Managed Superannuation Funds
Self Managed Superannuation Funds You have as much choice and control over an investment property using your superannuation funds as you would by investing personally Self Managed Superannuation Funds
More informationwith KiwiSaver for Dummies Page 1 of 19 Buying a first (or second chance) home with KiwiSaver Version 2.3 Produced by Workplace Savings NZ
Buying a home with KiwiSaver for Dummies Page 1 of 19 Buying a home with KiwiSaver KiwiSaver offers two features to help you into home ownership: KiwiSaver home deposit subsidy KiwiSaver home purchase
More informationWe can help with BUYING A RESALE PROPERTY
We can help with BUYING A RESALE PROPERTY Contents Buying a Resale property 2 Why buy through a Shared Ownership scheme? 2 Who are Family Mosaic? 3 When I buy a resale property, what am I buying? 3 I
More informationMake yourself at home with the UHomeLoan
Make yourself at home with the UHomeLoan You ve probably got a few questions about UBank and the UHomeLoan. You should find all of the answers right here. And if you have something specific in mind, just
More informationFinancing your Home Purchase
Financing your Home Purchase page 1 Disclaimer This booklet is for information purposes only, and must not be relied on as a substitute for legal advice. page 2 Contents How Much Can You Afford? 1 Other
More informationEverything you need to know about equity release.
Everything you need to know about equity release. An informative guide from the equity release specialists Welcome to the Retiredom guide to equity release. Equity release has come a long way since regulation
More informationA simple guide to getting more from your future with. Aviva Equity Release. Best Equity Release Lender
A simple guide to getting more from your future with Aviva Equity Release Best Equity Release Lender J4602_PF011120_1015.indd 1 09/10/15 8:06 pm Contents An introduction to Aviva Equity Release What is
More informationLIFETIME MORTGAGE LUMP SUM
LIFETIME MORTGAGE LUMP SUM Terms and Conditions (version 4) This is an important document. Please keep it in a safe place. LV= Lifetime Mortgage lump sum Terms and Conditions Welcome to LV=, and thank
More informationYour Guide to Shared Ownership
Your Guide to Shared Ownership 1 Shared ownership is designed for first-time buyers, who are able to raise a mortgage but are unable to afford the full cost of homeownership. Why buy a shared ownership
More informationHow 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 informationA 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 informationGuide to buying a house
Guide to buying a house This guide has advice on how to approach the process of purchasing a house. It goes through recommended steps for deciding what you want, and also has information about what to
More informationHOME 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 informationBorrowers Guide to Lending
Borrowers Guide to Lending Introduction The Borrowers Guide to Lending has been designed to assist consumers gain a better understanding on how the lending process works. The mortgage process can be confusing
More informationA finance guide for working life
A finance guide for working life Contents Introduction Planning your short, medium and long-term needs 3 4 Your needs - our solutions The freedom to enjoy your money Savings to help pay for the important
More informationPAGE 04/ ASSET FINANCE 06/ BRIDGING FINANCE 08/ DEVELOPMENT FINANCE
We understand PAGE 04/ ASSET FINANCE 06/ BRIDGING FINANCE 08/ DEVELOPMENT FINANCE WELCOME TO UNITED TRUST BANK is an established specialist lender providing a wide range of short to medium term secured
More informationMortgagee sales. What is a mortgagee sale? What should I do if I m in financial difficulty? 15 Mar 2012
15 Mar 2012 are among the most stressful of situations facing people who ask for our help. It is possible to stop to a sale right up to the last minute but usually only if you can find the necessary money
More informationACHIEVE YOUR FINANCIAL GOALS WITH THE HELP OF A COMMONWEALTH FINANCIAL PLANNER.
ACHIEVE YOUR FINANCIAL GOALS WITH THE HELP OF A COMMONWEALTH FINANCIAL PLANNER. Andrew has been our financial planner for 16 17 years. During this time Andrew s advice has always been very professional
More informationwww.businessoviso.co.uk 0333 321 0060 info@businessoviso.co.uk Key Person Insurance for you and your business Key Person Insurance
for you and your business 1 People are important in my business As a business owner you know what you need to make your business a success. Suitable premises, machinery and your computer systems may all
More informationEnjoy Retirement In Your Dream Home. Home Equity Conversion Mortgage for Purchase Guide
Enjoy Retirement In Your Dream Home Home Equity Conversion Mortgage for Purchase Guide At Towne, we recognize the unique financial needs of the senior community. A Home Equity Conversion Mortgage (HECM)
More informationSwitching your mortgage deal
Switching guide 1 Switching your mortgage deal We re with you every step of the way Switching guide 2 Why switch? If you re thinking about switching your mortgage, you might not have to shop around. You
More informationYour guide to ANZ Home Loans. Be certain about your choice
Your guide to ANZ Home Loans Be certain about your choice C O N T E N T S 3 The more you know, the easier it is 4 What do you need the loan for? 5 How much can I borrow? 7 Home loan choices for everyone
More informationAward winning. One of the UK s leading mortgage brokers. MAB is the UK s largest independent high street mortgage broker
Award winning One of the UK s leading mortgage brokers MAB is the UK s largest independent high street mortgage broker We operate out of over 700 offices across the UK We pride ourselves on the quality
More information2013 BUYERS GUIDE. KW Market Navigator
KW Market Navigator 2013 BUYERS GUIDE Am I ready to buy? How much can I afford? Where do I find homes? Why buy now? How s the market? Is there a right time to buy? What is this home worth in today s market?
More informationHome 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 informationWealth. Financial Planning Superannuation and retirement planning Tax effective investments Protection Direct solutions
Wealth Financial Planning Superannuation and retirement planning Tax effective investments Protection Direct solutions We all have different plans in life. At Bank of Melbourne, our commitment to you starts
More informationStep 1: Decide to Buy
Step 1: Decide to Buy Do you really want to pay someone else's mortgage? If you re renting and have a stable job with some savings, and a credit score in the high 600 range, you can likely qualify for
More informationBuying an Assisted Move
M ake Your Move a Walk in the Park We are delighted that you are considering buying an MHA property and want you to enjoy the benefits of our retirement living as soon as possible. Share the cost Buy from
More informationWelcome to. OneFamily
OneFamily Lifetime Mortgages 1 Welcome to OneFamily Welcome to our OneFamily Lifetime Mortgages. This brochure acts as an easyto-digest introduction to lifetime mortgages and provides you with a summary
More informationWestpac. 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 informationOur home buyers guide. Making it easier for you to buy a home you ll love
Our home buyers guide Making it easier for you to buy a home you ll love 1 Introduction / Our home buyers guide Buying your new home Buying a house is a big step, whether you ve done it before or you
More informationRemortgaging guide 1. Remortgaging guide. We re with you every step of the way
Remortgaging guide 1 Remortgaging guide We re with you every step of the way Remortgaging guide 2 With so many different mortgages out there to choose from, deciding which one is best for you can be a
More informationBuying or Setting up a Small Business
Buying or Setting up a Small Business Legal Guide 2 0 1 5 NEW PLYMOUTH 1 Dawson Street Private Bag 2013 Phone (06) 768-3700 Fax (06) 768-3701 INGLEWOOD 92 Rata Street PO Box 28 Phone (06) 756-8118 Fax
More informationTHE RESPONSIBLE EQUITY RELEASE GUIDE. Everything you need to know about equity release.
THE RESPONSIBLE EQUITY RELEASE GUIDE Everything you need to know about. An informative guide from the specialists Welcome to the Responsible guide to. Equity release has come a long way since regulation
More informationHome Loans. Talk to us today.
Home Loans Talk to us today. Since 1875 we ve helped more than half a million people buy their dream home. It s what we do best. With 140 years of home loan know-how, you won t find a more experienced
More informationHow To Understand The Laws Of Korea
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 informationbanking Your Home A guide to buying your first home www.bendigobank.com.au
banking Your Home A guide to buying your first home www.bendigobank.com.au Your Home A guide to buying your first home At Bendigo Bank we understand that buying your first home is a big step. It s the
More informationWant. 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 informationEquity 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 informationBOS Banking Ombudsman Scheme
BOS Banking Ombudsman Scheme Quick Guide A mortgage is security for a loan. This means that if you have a mortgage and you fail to meet your loan repayment obligations, your banking service provider ultimately
More informationDoing your homework on your mortgage broker
Doing your homework on your mortgage broker If signing up for a mortgage is new to you and this is the first time you are seeing a mortgage broker, there are some key things you should check. Here are
More informationBorrow Wisely with these Keys: Local servicing Pre-approvals Competitive interest rates Personal service Tailored loan programs*
Your Home Financing Process Checklist As you prepare to purchase a home or refinance your loan, it s important to know what to expect along the way. Here, we ve outlined some of the general steps in the
More informationFirst Time Buyers. A guide to owning your first home
First Time Buyers A guide to owning your first home Helping you to get on the property ladder Fed up living with others? Been dreaming of owning your own home? If the answer is yes, then take a look at
More informationChoosing your. Mortgage D U S A. and buying your. Home
A Mortgage I S A N S Y D I O V U I A D U R A E L Choosing your and buying your Home Welcome to the Vernon Helping customers with their mortgage choices and applications is all part of the service at the
More informationYour 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 informationYou 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 informationHow To Sell Your Home Quickly At No Cost To You
How To Sell Your Home Quickly At No Cost To You Proven Step-By-Step Strategies For Selling Your Home, Land Or Property Quickly At No Cost To You Brought to you by: How To Use This Special Report This special
More informationBuying your first home?
Information for First Time Buyers Buying your first home? It is a big purchase and can be a little intimidating, but it doesn t have to be. There are many Home Buyer Guides and Reports available on the
More informationGet to know your options for protecting yourself and your family
Get to know your options for protecting yourself and your family LifeProtect Guide Allow us to introduce ourselves. We are Zurich. We are part of a global insurance group with Swiss roots. We are one of
More informationHome Loan Application
Broker Group: Broker Name/Personal Banker: Broker Number: Application Number: Home Loan Application 1. Loan details Tell us which loan product you re after: Low Cost Home Loan Fixed Rate Home Loan Qantas
More informationInvesting in unlisted property schemes?
Investing in unlisted property schemes? Independent guide for investors about unlisted property schemes This guide is for you, whether you re an experienced investor or just starting out. Key tips from
More informationUMB Mortgage Solutions. Home Buying 101
UMB Mortgage Solutions Home Buying 101 1 Agenda Are You Ready to Buy a Home? Selecting a Lender Mortgage Loans Getting Started Home Checklist Purchase Contract Questions 2 Home buying Terms Mortgage Lender
More informationWHAT IS REFINANCING? WHY REFINANCE?
REFINANCING This fact sheet is for information only. It is recommended that you get legal advice about your situation. WHAT IS REFINANCING? Refinancing is simply replacing a loan you already have with
More information1 Save a deposit. 2 Know your budget. 3 Find your new home. 4 Check everything. 5 Closing the deal
3 4 2 5 1 Buying a home is an exciting experience, but it can also be very stressful. So, being prepared before you start looking for a home will help you through the whole process. 1 Save a deposit 2
More informationWANT TO MAKE YOUR HOME YOUR OWN?
WANT TO MAKE YOUR HOME YOUR OWN? 1 Your Right to to Buy Buy FOR COUNCIL AND HOUSING ASSOCIATION TENANTS CONTENTS 3 Why you might like to buy 4 Do you have the Right to Buy? 6 What discount could you get?
More informationBuying a home with KiwiSaver
Buying a home with KiwiSaver Page 1 of 20 Table of Contents... 3 Buying your first home with KiwiSaver as a first home buyer... 3 (as a previous property owner)... 6 The role of Housing New Zealand...
More informationChanging the shape of British retirement. www.homewise.co.uk
Changing the shape of British retirement Free Phone 0800 043 33 66 About us Welcome to Homewise Like many people, you may have spent years looking forward to a dream retirement lifestyle, perhaps wanting
More informationYour mortgage with us. Helping you feel at home
Your mortgage with us Helping you feel at home Your mortgage now and in the future Your mortgage shouldn t be complicated you apply for a loan and we lend what we think you can afford. Simple. It s a valuable
More informationGet an expert on your side
Busting the jargon At Australian Mortgage Brokers we will explain how everything works in plain English so that you can make an informed choice about what is appropriate for your needs. Get an expert on
More informationSaga Equity Release Advice Guide
Your guide to Equity Release Expert advice with no obligation Your introduction to equity release Your retirement should give you the freedom to do all the things in life you haven t had time for. However,
More informationWANT TO MAKE YOUR HOME YOUR OWN?
WANT TO MAKE YOUR HOME YOUR OWN? July 2015 1 Your Right to to Buy Buy FOR COUNCIL AND HOUSING ASSOCIATION TENANTS CONTENTS 3 Why you might like to buy 4 Do you have the Right to Buy? 6 What discount could
More informationYour First Home. A Buyer s Guide
Your First Home A Buyer s Guide Questions to ask yourself Before getting too involved in the house buying process, it makes sense to ask yourself a number of questions regarding your finances. Hello...
More informationIT S MORTGAGE REVERSE A SIGN OF THE TIMES
IT S A SIGN OF THE TIMES REVERSE MORTGAGE UNLOCK THE EQUITY IN YOUR HOME If you want the financial freedom to spend your retirement how you choose, with independence and dignity, you should talk to us.
More informationGuide to Purchasing a Home
Your journey to homeownership starts at your credit union. Purchasing your first home is a big decision, and it may even seem overwhelming. Rest assured Beacon Credit Union is here to assist you in understanding
More information