An introduction to our Mortgage & Finance Broking service. We ll find the loan that s right for you
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1 An introduction to our Mortgage & Finance Broking service We ll find the loan that s right for you
2 We ve been helping Australians create secure financial futures since 1840 More than anything else, Australian Unity exists to serve its clients. It is the ay e conduct our business no as one of Australia s leading financial services institutions, and the ay e have conducted our business for more than 160 years. This can be traced back to 1840 hen one of our forebears Manchester Unity as established as a friendly society. Manchester Unity s purpose as for its members to make eekly contributions to a common fund, hich paid benefits to those members ho became ill, lost ork, or ho otherise suffered financial hardship. Back in an era hen the government supplied minimal community services and benefits, Manchester Unity provided vital financial security to its members. It as a financial service based on mutual trust and dependability, and it is an ideal Australian Unity still holds true today. Since those early days, our range of services has evolved to meet the changing needs of our clients, and e no offer private health cover, property and funds management, retirement villages & aged care facilities, insurances, and personal financial services. And hile e are a major provider of financial services in Australia ith substantial resources, e ill alays be driven by our community-based values and our heritage of helping Australians to create secure financial futures. Who is Australian Unity Personal Financial Services? We specialise in providing professional strategic advice to help you improve your current financial position and ultimately achieve your long term lifestyle goals. Importantly, our initial advice isn t a set and forget service. Instead e offer you regular financial mentoring and ongoing guidance in all aspects of your personal finances to set you, and keep you, on the path to financial ellbeing. Our team of experienced financial professionals can provide you ith a detailed and totally tailored blueprint for financial success in any or all of the folloing areas: Financial advice Retirement planning Superannuation Wealth creation Investments Home loans Commercial loans Equipment finance Investment loans Car finance Personal estate planning Business estate planning Personal risk insurance Business risk insurance. Australian Unity has a proud 160 year heritage of helping Australians create secure financial futures. This pedigree and experience, combined ith our corporate strength and leading edge strategic advice capability, means e are uniquely placed to offer you high quality personal financial services each finely tuned to your particular needs to ensure you achieve your vision of a secure financial future. After all, your financial ellbeing is at the heart of everything e do. The information in this document is general advice only and it does not take into account the objectives, financial situation or needs of any particular person. You should obtain financial advice that addresses your specific objectives, financial situation and needs before making any investment decisions. Whilst every care has been taken in the preparation of this information, Australian Unity Personal Financial Services Ltd does not guarantee the accuracy or completeness of the information. Australian Unity Personal Financial Services Ltd ABN , AFS & Australian Credit Licence No , 114 Albert Road, South Melbourne, VIC Australian Unity Personal Financial Services Ltd is a holly oned subsidiary of Australian Unity Limited. This document produced in June Copyright 2012.
3 The right loan can improve your financial ellbeing Our Mortgage & Finance Broking service ill find you the best loan they can hether it be a home or car loan, or a loan associated ith your business or an investment. Our mortgage & finance specialists ill take the time to understand you and your needs, and they ill then search the reputable lenders to find the loan that best suits your situation. We take into account the loan features you require and, of course, the interest rate and loan fees. We then look after the application and other paperork for you to ensure your loan is processed as quickly and smoothly as possible. Ask us to find a ne loan for you or to re-finance your existing loan Our Mortgage & Finance Broking Service negotiates lo interest rates for our clients for ne and re-financed loans (and often ith no ongoing monthly or annual fees). As a result our clients save thousands of dollars in interest repayments and fees. So ask us to find you the right loan. Our service to you is free of charge and obligation. And because e are a large financial services group, e are able to negotiate ith the banks and other leading lenders to find you the best deal e can hether you need a ne loan or are re-financing your existing loan. Having the right loan ill save you money every year and is an important part of improving your financial ellbeing. Home Loans Investment Loans Car Loans Business Loans Commercial Loans Property Development Equipment Finance Debtor Finance If there s a better loan for you, e ll find it! one
4 A orld of loans... at your doorstep Our experienced team of Mortgage & Finance Brokers can assist you ith all loans including: Personal Home Loans Re-financing existing loans Ne purchases First home buyers Debt consolidation Lo doc loans Investment Loans Home equity loans Investment property loans Car Loans Ne cars Second hand cars Luxury cars Also loans for boats, caravans and motorbikes Commercial Equipment Finance Earthmoving equipment Motor vehicles Trucks & other heavy vehicles Plant & equipment Manufacturing equipment Commercial Loans Property development Commercial property Business Loans Ne business investments Working capital Debtor finance Existing loans restructuring Business expansion Acquisitions to
5 We ll negotiate ith the banks and other leading lenders to find you the cheapest loan e can We have access to loans from the major banks and other leading lenders and our Brokers ill bring them all to you... ith each lender offering you the best deal they can. Our list of approved lenders include: three
6 Our simple 5-step loan process costs you nothing... but could save you a fortune 1 We determine ho the lenders ill assess your capacity to borro or, if you already have a loan, e health check your current loan free of charge and obligation 2 We search for the most suitable loan e can find for you 3 We then use our buying poer to reduce that loan s interest rate and fees 4 We arrange for the discharge of your previous mortgage (if you have one) and finalise your loan 5 You save on your ne loan repayments every month and our service has been free of charge to you four
7 Seven reasons hy you should use our Mortgage & Finance Broking service 1. We kno the finance industry We have a ealth of knoledge and experience in all types of loans, and our Mortgage & Finance Brokers are fully accredited by the Mortgage and Finance Association of Australia. So e kno the traps and pitfalls and, importantly, ho to avoid them so you get a competitive deal. 2. We ll help save you money on your loan repayments We ill find the right loan for you and ensure it has: A competitive interest rate and fees schedule for that type of loan We ll then try to negotiate an even loer rate on your behalf by using our buying poer We ll also make sure it doesn t have bells & histles you ll never use (but hich you pay for in the form of a higher interest rate or annual fees). 3. We search for the most suitable loan for you We have access to all types of loans from the major banks and other leading lenders. So hen you ask us to find a better loan, e put our specialist loan computer softare and our research team to ork to find you the most suitable loan e can. In fact, because of our buying poer e should be able to get you an interest rate from a lending institution hich is cheaper than the rate most of their on customers receive. 4. We do all the ork for you All you need to do is give us the usual documentation. Then leave it to us to find the loan hich could save you a lot of money every year. Then e ll do the paperork for you. It s the Quick & Easy ay to save money on loan repayments. 5. We can find great loans for almost everyone hatever your situation We ll find a loan to suit you hether you are buying a home or a car, re-financing an existing loan, a business oner requiring finance or an investor seeking funding. 6. We provide expert advice We do not have our on loans, and e do not favour one lender over another. So you kno e ill give the right advice and e ll only recommend those loans that best suit you. 7. Our service costs you nothing You do not pay us for our service. We are paid by the lender. In other ords, the banks and other lenders pay us to help save you a small fortune in interest repayments. five
8 The Australian Unity Group Health Cover Healthcare Centres Home and Contents Insurance Travel Insurance Commercial Insurances Car Insurance Retirement Living Managed Funds and Investments Retirement Incomes Personal Financial Services Australian Unity Personal Financial Services Financial Advice Wealth Creation Retirement Planning Investments Superannuation Home Loans Commercial Loans Investment Loans Equipment Finance Car Finance Personal Estate Planning Business Estate Planning Personal Risk Insurance Business Risk Insurance We ll find the loan that s right for you.australianunitypfs.com.au PFS077-06/2012
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