intelligent complete financial solutions

Transcription

1 intelligent complete financial solutions

2 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 financial advisory companies. PML specialises in providing tailored lending and financial solutions to personal and business clients Australia wide. With over 70 years combined experience in the finance industry, PML has assisted many people and businesses over the years and has provided our clients with an unparalleled level of service in the property mortgage and asset finance market. Whether you re after a home loan, business loan or finance to purchase plant, equipment, motor vehicles or commercial property, we can help. PML also specialises in Self Managed Super Fund (SMSF) borrowings for clients looking to use their super fund to buy property, as part of their personal wealth strategy. Our expertise and experience in this area and the ability to tap into our team of superannuation and legal specialists, provides that extra point of difference to clients- and we are proud to say, it has consistently positioned us well ahead of most mortgage firms. PML offers an extensive range of lending products from Australia s leading banks and non-bank financial institutions, including non-conforming and private lenders and can provide you with a short list of the most competitive loans suited to helping you achieve your financial goal. PML is a full member of the Mortgage and Finance Association of Australia (MFAA), and the Commercial Asset Finance Brokers Association of Australia (CAFBA). ABOUT US OUR APPROACH INTELLIGENT COMPLETE FINANCIAL SOLUTIONS As the myriad of lending institutions and financial products has grown, so too has our ability to cut through the overwhelming choice of products to provide you with simple and easy to understand solutions that best meet your borrowing needs now and into the future. We have access to the latest comprehensive loan and interest rate information, including fees from all banks and lending institutions. This allows all our clients to gain a cost effective and time saving analysis by comparing and analysing hundreds of residential and commercial loans or asset finance funding, to find the most competitive solution for you. HOW WE WORK WITH YOU Can you afford the time to investigate all the lending options currently available on the market, and do you have the expertise to decipher what option is right for you? At PML, and indeed, with Partners Wealth Group, we work in the spirit of partnership with you, our client, our Accountants and other Financial Advisors. We take the time to get to know you and work to help you achieve your financial and lifestyle goals. Our goal is to not only provide the right finance options, but also to assist in gaining the quickest approval for your finance. More importantly we act for you, not the banks or finance companies. Once we have successfully settled your loan, you may think that your experience with PML is over; however it is really just the beginning. Lending policies are always changing which is why PML reviews its clients situations regularly. With new products continually entering the market, what was suitable back then might not be suitable now. We are committed to attracting and retaining our team of specialist consultants and challenging and inspiring our people to excel. The team at PML will stay in touch with you to ensure you have the most competitive solution to meet your financial and lifestyle goals. We also provide a one stop shop for all your financial services needs including financial planning, insurance and superannuation advice.

3 GET THE PML ADVANTAGE Time is money. Knowledge is power. When you partner with us, we make sure you get the right advice and access to the most suitable borrowing options as well as: Highly competitive rates A broad range of finance and lending solutions which can be tailored to your current and future financial obligations Initial FREE consultancy service Genuine specialist advice based on our extensive network and understanding of the mortgage and finance market Quick processing of applications and other documentation from start to finish An unparalleled standard of client service built around a can do attitude Professional management of your application from initial enquiry through to settlement and ongoing after sales service WHY CHOOSE PARTNERS MORTGAGE & LENDING? When you choose Partners Mortgage and Lending, we put you front and centre by providing: The right finance options through our proven network to achieve the quickest solutions for your finance. Specialists in SMSF borrowing to buy property. Access to the major banks and lenders to source the most competitive interest rates and fees available. The right expertise and depth of experience, knowledge and resources that very few companies in Australia can offer. Specialist advice and consultancy services from a team of specialists with proven industry experience who can tailor financial solutions to suit every stage of your personal and business life. Access to broader products and services including strategic financial advice, Financial and Retirement Planning, SMSF accounting and administration, Legal services, SMSF audit and consulting and Property and Salary Packaging. A proven track record in driving the right financial outcomes for our clients. Our consultants, whose financial expertise is second to none and whose experience and knowledge deliver on our promise complete, intelligent finance solutions every time.

4 I just wanted to thank PML for all the hard work that they have done in helping us purchase our car. Your ongoing support and advice has allowed us to navigate through a very difficult process. We had a number of issues that made acquiring finance more difficult and PML simplified the process for us, giving us a thorough briefing of our options and keeping us up to date on any progress. Your availability, even after hours and advice was appreciated. I have come out the other end feeling better equipped, safe in the knowledge that PML are at the other end of the line when I need their help!! I have, and will continue to recommend their services. Dr Yousif Shamoun OUR SERVICES BUSINESS FINANCE An important part of growing and managing your business is not only having access to finance, but also being able to choose the most appropriate method to ensure continued growth and profitability. Whether you are looking to start up, expand your business or simply manage your cash flow, getting the right advice and financial solution is critical. Do I have the time and expertise to negotiate all finance requirements? Is my current business loan the right loan for me? What is the best financing structure for me? What are the associated costs? What length of time should I take my loan over? How do I arrange my car or plant and equipment finance? Our financial solutions can help your business reach its full potential. We can look at flexible business loans and finance that can grow with you over time and keep up with the changes at each stage of your business life. For many clients, dealing with bank and finance companies can be a daunting and a time-consuming task. This is where PML can save you time and money. We can help you secure the most competitive financing solutions suited to you including: Commercial property where we help you select the right loan facility, risk management and investment solutions for different business and property development purposes. Motor vehicle finance including Hire Purchase, Novated Leasing and finance which allows you to own the vehicle outright, plus upgrade or offer salary packaging options to your employees, while reducing company costs and managing your cash flow. Plant, equipment and asset purchase with advice on whether to opt for rental, hire purchase, chattel mortgage or lease finance. Computer and technology finance to enable you to finance equipment and all capital purchases plus installation, maintenance, set up and training costs without leaving you with obsolete hardware or software. Cash flow lending finance where you can access money based on your current invoices rather than securing finance against your property. Business and banking restructure and refinancing to free up your cash flow, allow working capital and manage debt. When I reviewed and expanded my cycle business, I needed to understand the importance of the correct borrowing structures and at the same time, endeavour to save on business costs. Phil and his team at PML significantly improved my cash flow by reducing all borrowing costs of my structure, which then allowed me to concentrate on the daily operational matters of selling and running a business. They took the time to review all areas of the finance, giving me peace of mind. I am confident moving forward and growing the business knowing that I have reduced costs, allowed the growth to occur, and have an ally to assist me with the financial decisions that may affect future personal and business matters. PML were professional, effective and provided great advice to help me through our situation over the time. I highly recommend Phil and his team at PML. Kathy Watt (Former Australian Olympic Cycling Gold Medallist)

5 LENDING TO A SELF MANAGED SUPER FUND (SMSF) Investing in property through your SMSF can be a great way to create wealth for your retirement. We specialise in offering Limited Recourse Borrowing Arrangements (LRBA), which allows you to borrow money from your SMSF to purchase a property. Our expertise and experience in this area and ability to tap into our team of superannuation and legal experts positions us well ahead of many other mortgage firms and lenders. More Australians are now starting up a SMSF, so if you re thinking of buying an investment property through your fund, talk to us first. We can help you set up a SMSF, advise you on the best way to structure your loan and ensure you comply with the complexities around LRBAs. Whether you are ready to apply for a loan for your SMSF or you have questions about borrowing through superannuation we can help guide you with all your SMSF lending needs. HOUSING AND PROPERTY FINANCE Purchasing your home or an investment property is probably one of the biggest decisions you ll make. If you re looking to buy your first home, build or upgrade, renovate, invest in property or refinance, we can assist. Whichever stage you re at, we can source loans for many different needs and difficult situations, so we encourage you to talk to us first. Our services include sourcing, analysing, providing advice and securing tailored finance solutions for: Home loans for first home buyers and existing home buyers on the pros and cons of splitting your loan, using the equity in your current home, accessing redraw facilities and fixed or variable loans. Investment property financing and whether to opt for a fixed or variable loan, interest only or principal and interest and the value of potentially having a line of credit. Bridging finance to help you buy your new property until your existing property sells. Renovation funds for home improvements which can vary depending on how much you need to borrow and whether you borrow against the current value of your home or take out a construction loan which uses the value of your home when completed. Private lender loans where you may not be able to show sufficient income or cash flow, but have sufficient equity in your property. Self Managed Super Fund loans with specialist advice on how to borrow money from your fund to invest in property and what tax effectiveness can be structured as part of your loan. Technology purchases such as computers and software. Refinance of your existing loan or mortgage to free up cash, reduce debt or expand your investment portfolio. Debt consolidation loans to allow you to reconstruct your loans and consolidate all your debts into one easy loan repayment. Your debts may include personal loans, credit card debts and your home loan. Personal loans to buy a new car for personal use or take that long overdue holiday with repayment options available through secured and unsecured loans. TAKE THE FIRST STEP TOWARDS ACHIEVING YOUR GOALS BOOK YOUR FREE CONSULTATION NOW A second opinion can be powerful. Are you happy with the outcomes, support and service you re getting? Are you getting the most out of your current financial and lending solution? We can provide you a second opinion by assisting you with a comprehensive mortgage broking service, comparing hundreds of loans to find the most attractive solution for you. If you have an existing loan, we can review it to see if you have the most competitive deal to help you achieve your goals. Our mortgage and lending business is just one of the specialist services and areas of financial and business advice offered by Partners Wealth Group. Our overall expertise within the Partners Wealth Group provides you with the flexibility of standalone financial, lending, legal and superannuation services or a full and bespoke package to meet all your financial management needs. With Partners Wealth Group, you only need to tell your story once. REFER A FRIEND TODAY If you re an existing client and believe our services can help your family and friends, we would welcome the opportunity to talk to them. All referrals will be treated with the utmost confidentiality and respect.

6 Get the Complete Partners Wealth Group Solution Whatever your income or circumstances, Partners works with you to ensure your investments and retirement planning strategies benefit you and are tailored to meet your life s changing needs or goals. Not all Financial Planners are the same. We have a unique structured approach to financial planning and investment advice focused on driving the right financial outcomes for you. Our comprehensive wealth planning services include: Investment advice including direct shares, fixed interest, listed and unlisted property, cash and money market investments Managed discretionary accounts Pre-retirement and retirement planning Advanced Self Managed Superannuation advice and implementation Debt reduction and recycling strategies Business succession planning Purchasing property through your SMSF using borrowed funds Tax effective investment advice Centrelink and aged pension advice Portfolio administration services Incidental advice. Partners Retirement Planning Investment Advisors are Authorised Representatives of Charter Financial Planning Limited, Australian Financial Services Licensee Licence Number As a comprehensive provider of SMSF services, Partners offers in-depth experience and specialist accounting expertise to meet our referral partners and client s tax and regulatory requirements. Our services include: Accounting, administration and annual compliance for SMSFs Tax lodgement and advice for SMSFs Financial statements prepared in accordance with Australian Accounting Standards Schedule of investments Trustee minutes and declaration Members statements Independent audits. We also offer a comprehensive Fund Administration Service to trustees of SMSFs who want more than a compliance service by: Being the postal address for the fund Maintaining and managing all funds and cash flow Ensuring expenses and tax are paid Preparing quarterly BAS/IAS where appropriate Attending to benefit documentation. Legislation and regulations covering superannuation are constantly changing. The ATO s ability to impose penalties has been dramatically increased. Now, more than ever, it is important for SMSFs to ensure they comply with the law. Partners Superannuation Services offers expert advice, support and services to accountants and financial planners to assist clients from set up through to wind down and all SMSF related concerns. Partners Superannuation Services include: Technical advice and strategies New fund establishments and deed updates Company incorporations Working with clients wanting to gear to acquire property SMSF compliance and strategic consulting service SMSF support annual telephone subscription service SMSF audits Actuarial certificates including online service Provision of pension establishment and commutation documentation. We stay well ahead of the game when it comes to complex and changing tax and superannuation laws and work with our financial planning and investment divisions to deliver a holistic wealth strategy to assist clients whether they are accumulating funds for retirement, have commenced a transition to a retirement income stream or are retired. Partners Legal provides networked and relevant solutions to our commercial and private clients and small to medium size accounting firms. It is a new breed of law firm which offers an integrated one-stop shop approach to all our client s issues and needs including: Estate planning and management Business succession planning Corporate and commercial law matters, including Personal Property Securities Workplace relations and employment Superannuation Property transactions including Limited Recourse Borrowing Arrangements (LRBA) Litigation and dispute resolutions. In particular, we are a leader in providing streamlined and integrated LRBA Solutions and have the know-how and expertise to provide innovative results and cost effective outcomes, which meets the needs of the investor. We also provide a highly successful Sustainable Business Solution and model, which not only guarantees an orderly succession process but also maintains intergenerational wealth and equity for stakeholders.

7 Partners Mortgage and Lending Services Pty Ltd (PML) offers a full-scale finance brokering business to help our clients make informed choices about their personal or business lending needs and to secure the best finance options. We take the time to understand your goals, and most importantly we act for you not the banks or finance companies. Our services include: Residential and investment mortgages including refinancing and debt consolidation Motor vehicle, plant and equipment finance Finance for superfund borrowing to buy property Business and personal lending requirements Commercial property and business loans Construction and property development loans. Partners also offer an extensive range of lending products from Australia s leading banks and non-bank financial institutions, and provides clients with a short list of the most competitive loans suited to their financial situation. Partners Property (PP) works with clients to help them make informed property decisions that can maximise returns and minimise risk with innovative strategies to free up cash flow for future property acquisition. Partners Property assists clients with: Property syndication opportunities Residential and commercial buyers advocacy Access to restricted property offers Development risk Depreciation schedules. We also provide strategic property advice on: Existing property investments How to maximise returns and improve cash flow Acquisitions and sale of property Suitability for development Structuring when purchasing property Investments via financing of property backed investments Strategies for property portfolio growth. At Partners, we work with clients to restructure their salary and increase their net take home pay by taking advantage of approved employer salary packaging benefits such as superannuation, health insurance, car leases, laptops, mobile phones and mortgage loans. We look at individual employment agreements and advise clients on which options will best meet their requirements based on their life stage including: Motor vehicle financing including Novated Leasing Salary packaging into superannuation to lower employee tax liability How salary packaging fits in with their overall superannuation, investment and insurance wealth strategy. We also work with employers seeking to use salary packaging as a way to: Compete with other businesses looking to attract and retain skilled staff Support pay roll tax and work cover reductions Enhance their business culture through increased staff productivity. Partners 360 Bespoke Services has been developed as our premium product to meet our client s demand for a highly personalised and client specific package that encompasses all their personal advice, financial management and administration needs. Our expertise and family office style offering means that in addition to the stand alone services we provide, we also work closely with our clients to alleviate the administrative burden of managing their family assets and affairs including: Debt management Investment and financial planning Employment agreements Salary packaging Legal affairs Estate planning and management. We also provide a bespoke wealth package and work across our team of investment, legal and tax advisors, to preserve and grow our client s family wealth through: Family governance Financial and investment education Philanthropy coordination, and Succession planning. The benefit to our clients is they are able to work with a single organisation that is intimately familiar with their personal aspirations rather than working with multiple individuals who are not au fait with the bigger picture.

8 NATIONAL REACH AND NETWORKS Partners Mortgage and Lending is a member of the Partners Wealth Group, one of Australia s leading business and financial advisory companies. With offices in Victoria, New South Wales, Western Australia and Queensland, we offer innovative advice and services to individuals and businesses around Australia via commercial referral relationships with accountants and other trusted advisors. Contact us The first step to achieving your goals is a phone call away. You can contact our team of advisors and specialists now. Partners MORTGAGE & LENDING SERVICES * Head Office: Level 13, 636 St Kilda Road, Melbourne VIC 3004 (PO Box 6852, St Kilda Road Central VIC 8008) NSW Office: Level 4, 8 Spring Street, Sydney NSW 2000 QLD Office: Level 3, 164 Grey Street, South Brisbane QLD 4101 WA Office: Suite 4, Level 1, 610 Murray Street, Perth WA 6005 ) / office@partnerswealthgroup.com.au x Partners Wealth Group Partners Retirement Planning & Investment Advisors Partners Salary Packaging Partners Property Partners Mortgage & Lending Partners Legal Partners Superannuation Services Partners Superannuation Tax Services Partners 360 Guild Financial Planning Disclaimer: PML is a full member of the peak industry body, Mortgage Finance Association of Australia (MFAA), Credit Ombudsman Service Limited, (COSL) and PLAN Australia. PML is a corporate credit representative (CR No. [405936]) of BLSSA Pty Ltd (Australian Credit Licence No ). Partners Retirement Planning and Investment Advisors are Authorised Representatives of Charter Financial Planning Limited, Australian Financial Services Licensee Licence Number This document contains general advice only. You need to consider with your financial planner, your investment objectives, financial situation and your particular needs prior to making an investment decision. Charter Financial Planning Limited and its authorised representatives do not accept any liability for any errors or omissions of information supplied in this document except for liability under statute which cannot be excluded.