Welcome home to true value.

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1 Welcome home to true value.

2 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 our unique property lending expertise with a wealth of local property knowledge to offer you products designed with you in mind providing flexibility, control and help when you need it. After all, we ve spent almost 90 years building our expertise in property to become the strongest name in real estate *. It s why 250,000 ** investors in Australia and overseas trust us with managing their property assets. Speak with one of our local home loan specialists and find out how we offer you true value when it comes to your financial needs. * 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.

3 We re a lender. LJ Hooker Home Loans is a genuine alternative to the banks. We focus on true value, and offer easy to understand home loan products. Our home loan products are simple, but include all the features you need to manage your loan and your property. With easy online account access and a cash card to help you access available redraw funds when you want, managing your loan has never been easier. We ve redefined value in the home loan market with unbeatable customer service backed by our great range of lending products. Our established brand and secure finance means you can trust our commitment to you. Our local specialists are part of the communities they serve and are always on hand to assist you during the life of your loan.

4 Our service and guidance is available to you no matter how you found the property.

5 It s what we do. The LJ Hooker group offers you access to an in-house team of real estate professionals and property lending specialists who work together to help you with your property finance needs. We give you access to up-to-date property reports to help with your buying research. We then combine that research with the best property selection both here and overseas. Our lending specialists provide guidance with the best lending products and investment cash flow management all aligned with your own financial strategies. First time buyer or investor? Speak with the team that listens to you. Wherever you are on the property path we re here to guide you and help you enjoy the experience. Found property outside of the LJ Hooker real estate network? No problem. Our service and guidance is available to you no matter how you found the property.

6 Property Investors We work hard so you don t have to. Property investment should be rewarding and stress free. LJ Hooker Home Loans works hard to ensure your investment property is in safe hands, so you get the best possible return on your asset. Want to invest further? Our free income and equity assessments provide piece of mind when it comes to future investments. By listening to you, we tailor the right product options that complement your financial position.

7 First Home Buyers We re right beside you every step of the way. The right advice for first home buyers. Buying your first home doesn t start with signing a purchase contract. Understanding what deposit is required, what income you need, and all the costs that go with purchasing property is essential. This is where LJ Hooker Home Loans come in. Our home loan specialists offer strategies on how to work toward buying your first home. We don t just sit back and wait for you to do all the hard work we listen to you and apply our extensive knowledge to guide you. From planning to buy, comparing suitable properties, right through to getting your loan approved, we re right beside you every step of the way.

8 Pre-approval A pre-approval package that puts you in control. When you plan to buy property, the power to negotiate or bid with certainty is key. Gain the advantage by securing financial pre-approval. Our team of specialists help you work out exactly what properties you can afford. Then, when you want to make an offer you ve got your finances ready to go. Want to buy at auction? No problem. With our tailored pre-approval package you re in control with set finance and the ability to settle fast.

9 Free review service Flexibility when you need it. We understand that life changes and with it, your financial circumstances. Let us help make life easier by taking advantage of our free review service to help you decide the best way to achieve your goals. We are with you for the life of your loan and beyond. That s why our service is so valuable we help you build a better future.

10 It all starts with a simple conversation. Call us today. LJ Hooker Home Loans Head Office 191 Botany Road Alexandria NSW homeloans@ljhooker.com ljhookerhomeloans.com.au LJ Hooker Home Loans Pty Ltd ABN Australian Credit Licence number