Piccadilly Financial Group - Lending Division

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Piccadilly Financial Group - Lending Division

  1. 1. Piccadilly Financial Group Pty Ltd Lending Division www.mortgagebrokerpicfin.com.au Aimee Hadley Credit Representative Number: 368789 of Australian Loan Company Limited Member of the Mortgage and Finance Association of Australia Australian Loan Company Ltd ABN 40 100 947 804 Australian Credit Licence 377711© Copyright 2012 Piccadilly Financial Group Pty Ltd
  2. 2. A Company with Experience and Expertise • Looking for a great lending deal – We are, it’s what I do for our clients • Aimee runs the lending division of Piccadilly Financial Group Pty Ltd • Aimee has over 6 years of experience, industry accreditations and is continually undergoing training to keep up to date with the market and with what lenders are currently offering • Credit Representative of Australian Loan Company Limited (ALCo) . More information found on www.ausloanco.com.au • The new Piccadilly Financial Group - lending website features information and a regularly updated blog with new industry articles • Found on: Twitter: AimeeHadley / Facebook: Aimee Hadley – Mortgage Broker© Copyright 2012 Piccadilly Financial Group Pty Ltd
  3. 3. Aimee’s Scope of Service • Clients Australia wide - first home owners, refinancing, investors, next home, self- employed, commercial, business, self-managed super funds (SMSF), adverse history, reverse mortgage and leasing • Aimee can assist with out of ordinary situations such as: • Bad credit history • High LVR (Loan to Valuation Ratio) • Limited savings • Gift contributing to the purchase • Change in situation (e.g. starting new job) • ATO tax debt • Works out strategies in conjunction with Your Financial Adviser, Accountant or Solicitor to help advise most suitable options • Provides complimentary RP Data reports to clients© Copyright 2012 Piccadilly Financial Group Pty Ltd
  4. 4. What is a Mortgage Broker • A go-between between the borrower and the lender, who negotiates the loan on your behalf. Aimee will do the legwork on researching products on the market from the hundreds available, and support you through the application and settlement process • Generally does not charge the borrower for their service, as paid a commission by the lender when the mortgage is settled (slightly different for commercial loans) • How can a mortgage broker help you: • Save you time • Gives you choice • Find the right loan • Help avoid pitfalls • Ongoing reviews© Copyright 2012 Piccadilly Financial Group Pty Ltd
  5. 5. The Value of a Mortgage Broker • The following slides identify the value of using a mortgage broker • As you can see on the following slides the saving by Aimee reviewing different lenders on the ALCo panel to determine the most cost effective interest rate and product suitable to the client© Copyright 2012 Piccadilly Financial Group Pty Ltd
  6. 6. Mortgage Wheel of Fortune* Potential Lender ##11 Potential Lender St. George Bank St. George Bank Offers SVR @ 5.6%p.a. Total Interest payments over 30 years = $1,344,000 *Based on a $700,000 SVR investment loan LVR under 80% based on interest rates as at 24/10/2012. Client has clear credit© Copyright 2012 Piccadilly Financial Group Pty Ltd history. Subject to full assessment.
  7. 7. Mortgage Wheel of Fortune* Potential Lender # 1 Potential Lender # 2 St. George Bank Commonwealth Bank Offers SVR @ 5.7%p.a. Total Interest payments over 30 years = $1,368,000 *Based on a $700,000 SVR investment loan LVR under 80% based on interest rates as at 24/10/2012. Client has clear credit© Copyright 2012 Piccadilly Financial Group Pty Ltd history. Subject to full assessment.
  8. 8. Mortgage Wheel of Fortune* Potential Lender # 1 Potential Lender # 3 St. George Bank ANZ Bank Offers SVR @ 5.8%p.a. Total Interest payments over 30 years = $1,392,000 *Based on a $700,000 SVR investment loan LVR under 80% based on interest rates as at 24/10/2012. Client has clear credit© Copyright 2012 Piccadilly Financial Group Pty Ltd history. Subject to full assessment.
  9. 9. Mortgage Wheel of Fortune* Potential Lender # 4 Homeside Lending Offers SVR @ 5.69%p.a. Total Interest payments over 30 years = $1,365,600 *Based on a $700,000 SVR investment loan LVR under 80% based on interest rates as at 24/10/2012. Client has clear credit© Copyright 2012 Piccadilly Financial Group Pty Ltd history. Subject to full assessment.
  10. 10. Mortgage Wheel of Fortune Potential Lender # 1 SAVING: St. George Bank $48,000.00 Difference between the lenders over 30 years based on interest only *Based on a $700,000 SVR investment loan LVR under 80% based on interest rates as at 24/10/2012. Client has clear credit© Copyright 2012 Piccadilly Financial Group Pty Ltd history. Subject to full assessment.
  11. 11. Referral Opportunities • Aimee welcomes the opportunity to meet with potential referral partners , e.g. Financial Advisors and Accountant to see if a suitable referral arrangement can be reached • Some of the areas Aimee could potentially assist your clients include: • Commercial and Residential Lending • Refinancing • Loans for SMSF • Determining maximum borrowing capacity • Discussing the option of a reverse mortgage • Using equity in existing properties to invest in other areas • Leasing / Hire Purchase • Contact Aimee if you have questions or would like to discuss further on 02 9267 7832, 0407 688 909, aimee@picfin.com.au© Copyright 2012 Piccadilly Financial Group Pty Ltd
  12. 12. Referral Process Referral Meet & Greet Options & Decision Approval & • Structure • Objectives Recommendations • Application Settlement • Situation • Requirements • Lodgement Pre - Settlement Post - Settlement After Care • Congratulations / gift Referrer • 1 week / 1 month follow up $$$ • Ongoing reviews© Copyright 2012 Piccadilly Financial Group Pty Ltd
  13. 13. Disclaimer The material shown in this presentation is for general information purposes only. It is not intended to be, nor should it be read as specific personal lending advice. Whilst all care is taken in the preparation of this material no warranty is given with respect to the information provided, and accordingly no responsibility for errors or omissions, including responsibility to any person by reason of negligence is accepted by Piccadilly Financial Group Pty Ltd or any member or employee of Piccadilly Financial Group Pty Ltd . Before acting on any of the information contained in this presentation you should obtain special advice from a specialist lending professional, which is appropriate to your specific lending needs, objectives and financial situation.© Copyright 2012 Piccadilly Financial Group Pty Ltd
  14. 14. Thank You Aimee Hadley Mortgage Broker Piccadilly Financial Group www.mortgagebrokerpicfin.com.au W: 02 9267 7832 M: 0407 688 909 E: aimee@picfin.com.au Find me on:
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