Why choose LJ Hooker Home Loans?

Size: px
Start display at page:

Download "Why choose LJ Hooker Home Loans?"

Transcription

1 Why choose LJ Hooker Home Loans?

2 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 than 5,000 people with their property lending needs. In doing so, we settled over $1.4 billion in mortgage lending. Learn more about how our team is strongly positioned to help build your property portfolio.

3 The brand you know & trust in property. Over 86 years LJ Hooker has built up expertise to become the strongest name in real estate *. We apply that knowledge to help many people both here and overseas finance their property portfolios. It s also why 250,000 investors trust us with managing their property assets **. * Top 5 brands, all mentions. Newspoll 2013 Real Estate Brand Track conducted in all mainland capital cities plus Gold Coast, North Queensland, ACT and TAS. LJ Hooker Limited. **LJ Hooker 2010/11 list rentals

4 It s what we do. The LJ Hooker group offers access to an in house team of real estate and property lending professionals. Whether buying your first home or building wealth through property we have you covered. We provide access to property reports to help with your buying research. LJ Hooker real estate matches that with property selection both here and overseas. Our lending specialists provide guidance with the best mortgage products and investment cash flow management. All linked to your investment property strategies.

5 We re more than mortgage brokers. Our service offering delivers the traditional services of mortgage broking, but with greater benefits. Our difference is combining knowledge around lending products and property to provide you with a one-stop shop. Our team of experts across real estate and property lending work together to support you in a way no mortgage brokerage or bank can. Our services support you no matter where your real estate buying originates. Our team of lending specialists are with you even if you buy outside of the LJ Hooker network.

6 We ve worked hard to establish trust with property investors. Over 250,000 people trust LJ Hooker with managing their investment property assets. We work hard to make sure your property stays in the best condition and that you get the best possible return on your asset. More and more of our customers also trust us with their property lending needs. Our income and equity assessments provide comfort when you re considering extending your property portfolio. Our guidance on lending products and cash flow can complement building your wealth. Property investment should be rewarding and stress free. We work hard so you don t have to.

7 An edge for first home buyers. Buying your first home does not always start with signing a purchase contract. For starters, there is understanding what is needed in the way of deposits, and what income you need. On top of this, there is accessing first home owner grants. How does stamp duty work? What mortgage product can help me buy my home? How can my parents assist? This is where we come in. For tenants, or people leaving home, our home loan specialists offer strategies on how to work toward your first home. Unlike most lenders, we don t just sit back and wait for you to do all the hard work yourself. From helping you plan to buy and comparing suitable properties, right through to helping get your loan approved, we re right beside you.

8 The power of pre-approvals. When it s time to upgrade or invest, the power to negotiate or bid with certainty is important. Our lending specialists give you an edge with true finance pre-approvals. Buying at auction? Be in control with set finance and the ability to settle fast. With our pre-approval in your pocket, you re in control.

9 A better option? Over time, circumstances change. That s why our free review service is important to you. Whether it s to save interest, lower repayments, consolidate debts, or simply find a more suitable product; you need to know what options are available. That s where we come in. With our comparison software system, our lending specialists help you select the best lenders and mortgage products. We then use our expertise to make the full process fast and simple.

10 Lending products you need. Over the years we ve listened to our customers, and we re proud to put our brand behind a range of home loans specifically tailored toward property owners. Our home loan products are backed by some of the largest local financial institutions such as National Australia Bank and Macquarie Bank. You can feel safe that we offer strong solutions and security around our products. Our dedicated support team are always on hand to support you through the life of your loan. Whether buying, investing or refinancing, LJ Hooker Home Loans offers a range of lending products suited to you.

11 Australia s most comprehensive online property hub. At LJ Hooker we help to make your experiences around property transactions, renting, and lending as simple and rewarding as possible. myljhooker provides free access to an extensive library of real estate tips, guides and Information. We believe it s Australia s most extensive property based library. It s your gateway to a world of free booklets and articles on lifestyle matters such as renovating, building, designing, and all things financial. Plus you ll be connected with our partner program where you can enjoy the benefits of a range of discounts and offers. Join today FREE at myljhooker.com

12 We continue to support local communities. Whether it s on the other side of the street or on the other side of the world, we have a long history of giving back to community. Over $3.5 million raised for the Cystic Fibrosis Research Fund Over $1 million raised for SIDS (Sudden Infant Death Syndrome) Research Over $80,000 raised to assist the Australian Red Cross 2009 Victorian Bushfire Appeal Over $56,000 raised for the 2011 Queensland Floods Plus we continue to support initiatives such as Hooker House, Kids to Coast and local sporting sponsorships

13 It all starts with a simple conversation. LJ Hooker Home Loans Head Office 191 Botany Road Alexandria NSW homeloans@ljhooker.com ljhookerhomeloans.com.au Credit services provided by LJ Hooker Financial Services Pty Ltd ABN trading as LJ Hooker Home Loans. Australian Credit Licence number

Welcome home to true value.

Welcome home to true value. Welcome home to true value. We are the specialists. Whether buying your first home, your dream home or investing in property, the right finance guidance is essential. At LJ Hooker Home Loans we combine

More information

Why partner with LJ Hooker Home Loans?

Why partner with LJ Hooker Home Loans? Why partner with LJ Hooker Home Loans? Our commitment to your business. LJ Hooker Home Loans has been an integral part of the LJ Hooker Group since 1999. During this time we have helped many of our real

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

YOUR GUIDE TO BUYING A NEW HOME.

YOUR 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 information

GUIDETHE. first home buyers GOLDEN RULES. Finding the right home loan. GRANTS, CONCESSIONS, LOAN TYPES, LMI & much more.

GUIDETHE. first home buyers GOLDEN RULES. Finding the right home loan. GRANTS, CONCESSIONS, LOAN TYPES, LMI & much more. first home buyers GUIDETHE GOLDEN RULES GRANTS, CONCESSIONS, LOAN TYPES, LMI & much more Finding the right home loan Compliments of Let s Finance First Home Buyers Guide 1 Congratulations! You ve just

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

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

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

7 Reasons Why Property

7 Reasons Why Property 7 Reasons Why Property Investment can t be ignored. Know your options before it s too late. What is in this report? This report is a must read for anyone looking to improve their lifestyle and enjoy greater

More information

MORTGAGE FOCUS with Kelly Wealth Lending Services and Acceptance Finance

MORTGAGE FOCUS with Kelly Wealth Lending Services and Acceptance Finance July/August 2015 MORTGAGE FOCUS with Kelly Wealth Lending Services and Acceptance Finance Happy New Financial Year! We hope that tax time is not proving to be too tedious for you and you re looking forward

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

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

castles Proudly Supported by Westpac Premier Advantage Package

castles Proudly Supported by Westpac Premier Advantage Package castles Proudly Supported by Westpac Premier Advantage Package Thank you for considering Westpac. We aim to delight our customers and earn all of their business. That s why we created the Premier Advantage

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

intelligent complete financial solutions

intelligent complete financial solutions intelligent complete financial solutions A SINGLE STORY, A COMMON GOAL Partners Mortgage & Lending Services (PML), a member of Partners Wealth Group, is one of Australia s leading mortgage and business

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

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

Mortgages and Home Loans

Mortgages and Home Loans Mortgages and Home Loans We re here to help Buying a new home may be one of the largest, long- term investments you ll ever make. Whether you are purchasing a starter home or a property as an investment,

More information

anz@work Employee banking benefits to suit your life

anz@work Employee banking benefits to suit your life anz@work Employee banking benefits to suit your life Make the most of your employer s relationship At ANZ we value our key business relationships, like the one we share with your employer. Through this

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

Business plan template for your buy to let property(ies)

Business plan template for your buy to let property(ies) Business plan template for your buy to let property(ies) Whether you own one property or a hundred, a business plan will help you manage the risks and rewards of your buy to let investment. If you re able

More information

Housing Affordability Report

Housing Affordability Report Housing Affordability Report MARCH QUARTER Housing affordability improves on the back of falling interest rates as loan sizes rise and incomes stall The first quarter of showed an improvement in housing

More information

Are You Sitting On A Goldmine?

Are You Sitting On A Goldmine? Are You Sitting On A Goldmine? Success Through Property Investment Table of Contents Letter from Jason Paetow 3 Success In Investment 5 What Are Your Goals? 7 Accessing Your Goldmine 9 Invest With No Impact

More information

Mortgage Broking Services

Mortgage Broking Services Mortgage Broking Services Page 2 2014 Buying property is not just about the dollars and cents, it is often a very emotional and exciting experience. There is no reason why your mortgage experience should

More information

HOME LOANS AND LINES OF CREDIT

HOME LOANS AND LINES OF CREDIT HOME LOANS AND LINES OF CREDIT GENUINE LOANS FOR REAL PEOPLE Product Information Brochure Effective from 1 November 2014 At Queensland Country we offer genuine home loans for real people. We understand

More information

banking Your House A guide to buying an investment property www.bendigobank.com.au

banking Your House A guide to buying an investment property www.bendigobank.com.au banking Your House A guide to buying an investment property www.bendigobank.com.au Your House A guide to buying an investment property Investing in real estate was once a difficult and stressful market

More information

HOME LOAN ADVICE CENTRE e-course (PART 1)

HOME 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 information

Be part of something bigger.

Be part of something bigger. Be part of something bigger. BIG Bendigo Benefits for Deakin University. It s BIG rewards for you. The BIG Bendigo Benefits program is a special range of products and services designed to benefit members

More information

How to Stop and Avoid Foreclosure in Today's Market

How to Stop and Avoid Foreclosure in Today's Market Solutions Home Buyers, Inc. 800-478-9213 ext. 700 SolutionsHomeBuyersFL.com How to Stop and Avoid Foreclosure in Today's Market This Guide Aims To Help You Navigate the foreclosure process [Type the company

More information

Reach Your Destination

Reach Your Destination Reach Your Destination 1 At Audi Finance, we specialise in providing superior services to match the superior performance of our cars. You can trust the reputation of an established and respected brand

More information

Personal Loans. Everything you need to get you moving.

Personal 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 information

Financial Services and Credit Guide

Financial Services and Credit Guide Time Financial Solutions Pty Ltd Financial Services and Credit Guide Why this Guide is important to you This Guide explains the financial planning and credit services we provide, as well as giving you

More information

How To Understand The Laws Of Korea

How 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 information

Financial Services and Credit Guide

Financial Services and Credit Guide Financial Services and Credit Guide Why this Guide is important to you This Guide explains the financial planning and credit services we provide, as well as giving you important information that will help

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

Loans for just about everything

Loans for just about everything Bankwest s Loans for just about everything I could use a holiday. Happy Banking What do you need money for? Are you thinking about a new car or starting home renovations? Perhaps a holiday on a tropical

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

banking 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 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 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

banking 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 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 information

How to Stop and Avoid Foreclosure in Today's Market

How to Stop and Avoid Foreclosure in Today's Market How to Stop and Avoid Foreclosure in Today's Market This Guide Aims To Help You Navigate the foreclosure process [Type the company name] Discover all of your options [Pick the date] Find the solution or

More information

Financial Services and Credit Guide

Financial Services and Credit Guide Financial Services and Credit Guide Why this Guide is important to you This Guide explains the financial planning and credit services we provide, as well as giving you important information that will help

More information

Financial Services and Credit Guide

Financial Services and Credit Guide Financial Services and Credit Guide Why this Guide is important to you This Guide explains the financial planning and credit services we provide, as well as giving you important information that will help

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

A better way your parents can help you into your first home.

A better way your parents can help you into your first home. A better way your parents can help you into your first home. exclusively from You ll never need to ask your parents to guarantee your home loan. Almost half of first home owners get financial help from

More information

Buying Your First Home in Canada. What Newcomers Need to Know

Buying Your First Home in Canada. What Newcomers Need to Know Buying Your First Home in Canada What Newcomers Need to Know A PLACE TO CALL HOME. A PLACE OF YOUR OWN. You ve made Canada your new home and now you re looking for a place of your own. Buying a house is

More information

Financial advice makes a difference

Financial advice makes a difference Bridges Financial advice makes a difference Financial advice makes a difference Advice from a Bridges financial planner will help you have confidence in the decisions you make. Financial advice makes a

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

Financial Services Guide

Financial Services Guide Financial Services Guide Version: Version 18.0 Issue date: 23 March 2015 Important information We recommend you read this Financial Services Guide (FSG) because it contains important information designed

More information

Your Mortgage Your Options. A home owners guide to refinancing a home loan

Your Mortgage Your Options. A home owners guide to refinancing a home loan Your Mortgage Your Options A home owners guide to refinancing a home loan CONTENTS Making the most of your mortgage 1 Refinancing to invest 3 Creating a better finance structure 5 Goal setting and key

More information

Our 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 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 information

Cash Flow Management Solutions

Cash Flow Management Solutions Introduction to the Cash Flow Management Solutions Coaching & Mentoring System For Professional Mortgage Brokers TM is the perfect wealth creation tool for Mortgage Brokers and their clients. This is a

More information

First Home Property Buyer s Investing Guide Guide

First Home Property Buyer s Investing Guide Guide First Home Property Buyer s Investing Guide Guide Contents Why invest in property?... 3 Choosing an investment property... 6 Choosing an investment loan... 7 Managing your investment... 9 Aussie is a trade

More information

Home Loans. Personal Loans

Home Loans. Personal Loans Home Loans Personal Loans Contents A Personal Loan to suit you 2 Personal Loan 3 Loans for new and used cars 4 Overdrafts 5 Green Loans 5 How to apply 6 Other ways we can help 7 Important information 9

More information

Your guide to Volkswagen Financial Services

Your guide to Volkswagen Financial Services Your guide to Volkswagen Financial Services 1 About Volkswagen Financial Services Volkswagen Financial Services Product Benefits Personal Finance Consumer Loans 12 Novated Lease / Salary Packaging 14 Business

More information

Home and Investment Loans. Be ready to make your move.

Home 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 information

A guide to mortgages

A guide to mortgages A guide to mortgages Contents An Introduction to mortgages 3 What is a mortgage? 4 Choosing a mortgage - where to start 5 What to consider before getting a mortgage? 6 Mortgage and repayment types 8 Interest

More information

financial services guide ipac financial planning

financial services guide ipac financial planning financial services guide ipac financial planning The financial services guide (FSG) helps you to understand who ipac securities limited (ipac) ABN 30 008 587 595 Australian Financial Services Licence No.

More information

Rewarding you with instant member benefits. 1 July 2014. Enjoy more with HOSTPLUS extras

Rewarding you with instant member benefits. 1 July 2014. Enjoy more with HOSTPLUS extras Rewarding you with instant member benefits 1 July 2014 Enjoy more with HOSTPLUS extras Get the most out of your membership Just because we re focused on helping you save for the future, doesn t mean we

More information

STAR RATINGS REPORT. Home Loans

STAR RATINGS REPORT. Home Loans 2015 STAR RATINGS REPORT Home Loans Home Loans September 2015 Foreword There s no doubt that getting into the property market is still the Great Australian Dream, but the average housing in our capital

More information

borrow Want to in your SMSF?

borrow Want to in your SMSF? borrow Want to to buy property in your SMSF? A Self Managed Super Fund (SMSF) gives you investment flexibility. Some typical investment options for SMSFs include term deposits, direct shares, and managed

More information

Understanding Managed Funds

Understanding Managed Funds ... Understanding Managed Funds Contact us If you would like to know more about how AMP Capital can help you, please visit ampcapital.com.au, or contact one of the following: Financial Planners Personal

More information

ANZ Margin Lending Integrated with E TRADE

ANZ Margin Lending Integrated with E TRADE ANZ Margin Lending Integrated with E TRADE The ANZ Margin Loan - Integrated with E TRADE What is margin lending? Benefits of gearing The ANZ Margin Loan is an integrated facility that allows you to trade

More information

Borrowers Guide to Lending

Borrowers 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 information

Heritage Bank. Accreditation Presentation

Heritage Bank. Accreditation Presentation Heritage Bank Accreditation Presentation Agenda 1. Who is Heritage Bank? 2. We are here to help 3. Residential mortgages 4. Product range 5. Policy guidelines 6. Tips and hints 7. The Heritage difference

More information

Financial Services and Credit Guide

Financial Services and Credit Guide Financial Services and Credit Guide Why this guide is important to you This Guide explains the services we provide, as well as giving you important information that will help you decide if you want to

More information

Wealth. 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 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 information

COVER THOSE YOU LOVE A GUIDE TO LIFE INSURANCE SUNCORP LIFE PROTECT

COVER THOSE YOU LOVE A GUIDE TO LIFE INSURANCE SUNCORP LIFE PROTECT COVER THOSE YOU LOVE A GUIDE TO LIFE INSURANCE SUNCORP LIFE PROTECT THE EASY WAY TO PROTECT YOUR FAMILY You ve made the smart decision to learn about life insurance. Now we can make it easy for you to

More information

CMA Affinity Program Offers

CMA Affinity Program Offers CMA Affinity Program Offers Union Bank is proud to partner with the California Medical Association to serve the unique financial needs of your practice, your staff, and yourself. We approach our customer

More information

Save Thousands Save Years Save Yourself

Save Thousands Save Years Save Yourself Save Thousands Save Years Save Yourself 3 CONTENTS 4 MESSAGE FROM THE CEO. A bold new future 5 VISION and MISSION 7 MORTGAGE SUPPORT COMPANY CLIENT OUTCOMES 8 MORTGAGE PLANNING AT A GLANCE 10 YOUR HOME

More information

Owning your own home is the great Australian dream but it's not always the most economical route. Renting may work out cheaper than buying if:

Owning your own home is the great Australian dream but it's not always the most economical route. Renting may work out cheaper than buying if: Buying a Home Buying a home is exciting but nerve-racking because this will probably be the most important and expensive, purchase you will ever make. Understanding the process will help you avoid problems

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

Small Business Banking. It s your business

Small Business Banking. It s your business Small Business Banking It s your business No matter what stage your business is at, the right partnerships can make all the difference. Whether you ve got a great business idea, wanting to expand or just

More information

Keystart Home Loans Product Guide

Keystart Home Loans Product Guide Keystart Home Loans Product Guide September 2013 Keystart Loans Ltd ABN 27 009 427 034 Australian Credit Licence 381437 1 Contents About this booklet 3 Keystart home loan 4 SharedStart home loan 6 Aboriginal

More information

5% down, no more to pay until you move in.

5% down, no more to pay until you move in. 5% down, no more to pay until you move in. * Eligible first home buyers Subject to finance approval The new easy way to build. Rent and build at the same time? It s easy with MetEasy. THE NEW EASY WAY

More information

Financial Planning Growing a better future

Financial Planning Growing a better future To make an appointment with a Financial Planner: Go to hsbc.com.au/financialplanning Visit in branch Call 1300 308 008 All testimonials listed in this brochure are sourced from Sue, an HSBC financial planning

More information

Make yourself at home with the UHomeLoan

Make 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 information

Financial Services Guide (FSG)

Financial Services Guide (FSG) Neville Martens Version 19.0 Issue date: 22 October 2015 Financial Services Guide (FSG) Important information We recommend you read this Financial Services Guide (FSG) because it contains important information

More information

Other publications available from the Homeloan Guru:

Other 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 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

MLC Wrap. Investments. Service Guide. MLC Wrap. Preparation date: 17 January 2011

MLC Wrap. Investments. Service Guide. MLC Wrap. Preparation date: 17 January 2011 MLC Wrap MLC Wrap Investments Service Guide Preparation date: 17 January 2011 Issued by: Navigator Australia Limited (NAL) ABN 45 006 302 987 AFSL 236466 MLC Wrap MLC Wrap Investments Supplementary Service

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

We are delighted you are thinking of switching your accounts to Queensland s most loved bank * and

We are delighted you are thinking of switching your accounts to Queensland s most loved bank * and Welcome to Heritage! We are delighted you are thinking of switching your accounts to Queensland s most loved bank * and becoming part of the Heritage family. You will find that at Heritage Bank, we deliver

More information

Why is a broker a better financial choice than going to my bank? Here are the first 18 reasons... www.mortgageaustralia.com.au

Why is a broker a better financial choice than going to my bank? Here are the first 18 reasons... www.mortgageaustralia.com.au Why is a broker a better financial choice than going to my bank? Here are the first 18 reasons... Reason #1 Choice = a cheaper loan for you The biggest advantage of a broker over a bank is choice. When

More information

Home Loans. Talk to us today.

Home 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 information

Wealth & Planning... Financial Planning Services

Wealth & Planning... Financial Planning Services Wealth & Planning... Financial Planning Services Contents. What is financial planning? Whatever your financial goals wealth creation, retirement, investments or otherwise having a financial plan is key

More information

Financial Services Guide (FSG)

Financial Services Guide (FSG) Financial Services Guide (FSG) A guide to the services we provide and how we will work with you to achieve your goals The Family Wealth Advisory Group Pty Limited ABN 46 138 910 997 Level 12, 111 Elizabeth

More information

IT S LIFETIME LOAN A SIGN OF THE TIMES AUSTRALIAN SENIORS FINANCE. The Home Equity Release Specialist

IT S LIFETIME LOAN A SIGN OF THE TIMES AUSTRALIAN SENIORS FINANCE. The Home Equity Release Specialist IT S A SIGN OF THE TIMES LIFETIME LOAN AUSTRALIAN SENIORS FINANCE The Home Equity Release Specialist UNLOCK THE IN YOUR EQUITY HOME If you want the financial freedom to spend your retirement how you choose,

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

Housing Affordability Report

Housing Affordability Report Housing Affordability Report JUNE QUARTER Stable market but no reprieve for first home Housing affordability remained relatively steady in the June quarter of with the proportion of income required to

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

Step by Step Guide. to property ownership by Mortgage Choice

Step by Step Guide. to property ownership by Mortgage Choice Step by Step Guide to property ownership by Mortgage Choice Contents Is this guide right for you? 1 Steps to property ownership 3 The steps explained 4 Application to approval 10 Property purchase costs

More information

Altitude Business Gold Visa Card. spend on your business, reward yourself. movers & shakers Proudly supported by Westpac

Altitude Business Gold Visa Card. spend on your business, reward yourself. movers & shakers Proudly supported by Westpac Altitude Business Gold Visa Card spend on your business, reward yourself movers & shakers Proudly supported by Westpac Welcome to a great way to earn rewards Now that your Altitude Business Gold Credit

More information

Which Home Loan? ACN 122896477 Australian Credit Licence Number 385888

Which Home Loan? ACN 122896477 Australian Credit Licence Number 385888 Which Home Loan? Finconnect (Australia) Pty Ltd Level 19, 1 Alfred Street, Sydney NSW 2001 T: 1300 650 431 F: (02) 9241 7342 E: lending@finconnect.com.au www.finconnect.com.au ACN 122896477 Australian

More information

IT S MORTGAGE REVERSE A SIGN OF THE TIMES

IT 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 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

AWARD REPORT. Fixed Rate Home Loans

AWARD REPORT. Fixed Rate Home Loans 2015 AWARD REPORT Fixed Rate Home Loans Fixed Rate Home Loans September 2015 Foreword To fix or not to fix: it s a question that many home buyers struggle with. On the one hand, locking in an interest

More information

Plan, 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 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 information

Property Investor Handbook

Property Investor Handbook Property Investor Handbook Welcome Whether you are one of the 1.7 million Australians who already own an investment property, or you are a first-time investor, this short guide will help you in making

More information

HOME BUYING MADE EASY. Live the dream of owning your own home.

HOME BUYING MADE EASY. Live the dream of owning your own home. HOME BUYING MADE EASY Live the dream of owning your own home. sm Getting started For most of us, buying our first home is a dream come true. It s also a lengthy process where potential and sometimes very

More information