Recent comments and observations

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2 Recent comments and observations This is a idea that has been coming for a long time One of the greatest financial planning tools to ever hit the market The sexiest loan product ever invented The most powerful referral machine ever created A game changer in the mortgage business The perfect investment loan for a home owner An investment loan solution for every home owner I want one! The best duo since Batman & Robin

3 LOAN REDUCER The MortgageDown Solution is built around advice held from accounting, legal, taxation, IP, financial product and banking experts. LOAN REDUCER is licensed to lenders who strictly comply with license terms and conditions including ATO product ruling PR 2015/2 held dated 25/03/2015. By application of the savings from a lower home loan rate to the home loan, The MortgageDown obtain home ownership sooner. Solution innovation by design, allowing the borrower to

4 The old way to own your home and an investment property Investment Loan Home Loan 5.0%p.a. 4.5%p.a.

5 To own their own home as effectively, and as quickly, as they can.and buy more property to create financial independence

6 Simply it s 2 loans across a P&I home loan and an Interest Only Investment loan Investment Loan No higher than 5.5%p.a. (ceiling rate) Home Loan as low as 2.5%p.a. (floor rate)

7 the MortgageDown Solution is designed to significantly reduce your P&I interest rate on your home loan allowing you to make additional payments and reduce the time and total interest paid over the loan term.

8 Home Loan $290,000 Principal & Interest TWO STANDARD VARIABLE RATE LOANS WITH LOAN REDUCER Investment Loan $870,000 Interest only 5.50% Standard Rate 5.50% 2.95% Rate Discount 0.15% 2.55% My Loan Rate 5.35% Standard bank loan documentation received Side Letter received detailing terms and conditions of discount Interest Savings $229,140 Time Saved of 11 years 7 months Savings calculated on maintaining monthly instalment as calculated on 5.50% ($1,646.59) at the discounted rate of 2.55%

9 How do you determine the rates? Both the P&I home loan $ amount and the IO investment loan $ amount are entered into the MortgageDown Calculator The MortgageDown Calculator will then give you the lowest home loan possible over the full loan amount

10 The MortgageDown solution is not for everyone It can be a loan across 2 securities your own home and an investment property (commercial or shares) It can be a loan on your own home plus investment debt Note: 1 in 3 home owners have an investment property

11 How do you run your Business? Do you sell products or Solutions? MortgageDown is a Solution for your investors with a home loan MortgageDown will help clients and you build your business

12 What are your clients trying to do? Most try to reduce bad debt fast (non deductible interest on their home loan) Make the good debt tax effective (deductible interest on their investment loan)

13 The MortgageDown to help in the wealth creation process by Solution allows you to use the loans Reducing the home loan sooner keeping the investment loan interest only

14 Helping your clients with the MortgageDown Solution $ Create financial buffer with extra repayments each month Pay off the home sooner Wealth creation tool redraw Create buffer for emergencies Create buffer for future payments e.g. school fees Prepay interest on the investment loan 25 years

15 Opportunity to offer existing and new clients the lowest owner occupied home loan in Australia s history. Allows the adviser to be involved in the wealth creation process at an early stage and with younger clients. Great source of referrals. The BBQ calculator! Allows you to generate referrals from other professionals e.g. Fin Planners, Accountants, Solicitors.

16 Refinance Home and Investment loan Refinance Home and buy Investment Property New Home and refinance Investment Property New Home and new Investment Property

17 Exciting conversation with Existing clients Added service to current value proposition New easy Referral source Referrals from each side of the transaction e.g. Real Estate, Solicitors New Lead enquiries directly to you from MD Social media marketing

18 Getting Started Registration on website or business card to us MortgageDown accreditation session 90min and 30min accreditation exam Receive your Certificate of accreditation with welcome pack and agreement Help with marketing and business plan until you complete your first MortgageDown Future assistance with Leads from our media campaign Solution