This document provides information about a boutique mortgage broking firm, including their experience and qualifications, the types of financing they can assist with such as home loans, investment loans, and business finance, and the process they follow which includes assessing a client's needs, making loan recommendations, and assisting them through the application and approval process.

1. The World of Finance!
How it affects you ?

2. Who are we?
• Boutique styled business & owner operated
• Combined experienced over 15 years in Mortgage lending
• Unique Service offering – your deal is managed by 2 Brokers!
• Finalist in 2011 Small Business Awards (Messenger Press)
• Qualified – Diploma in Financial Services – Mortgage Broking

3. What we do?
• Provide advice on the right finance options
• Access to Banks and Financial Institutions for best rates and fees
• Assist with how to correctly structure your finance
• Offer credit advice for residential or investment properties
• Offer personal & business budgeting & cash flow advice
• Assist Small Business Owners for Commercial finance

4. Our Associations

5. Finance we can assist you
• Home Loans
• Investment Loans
• Self Managed Super Fund Loans
• Land and Construction Loans
• Motor Vehicle Finance
• Commercial Property Loans
• Business Finance
• Plant & Equipment Leasing

6. Who are our Lenders

7. What can we finance?

9. Types of Loans
• Variable Rate Loan – most common and repayments will vary according to
movement in market rates / pay extra off your loan / can redraw / option
with offset account
• Fixed Rate Loan – lock in your repayments by choosing from 1 to 5 year
fixed period – limited repayments and no redraw or offset and beware of
“Break costs” (early penalty costs if you break the fixed period)
• Split Loan – split your amount into both Variable and Fixed rate products –
get best features of each
• Line of Credit – for investment or business purposes is a ongoing facility
allowing withdrawals and payments for the term of the loan without a set
repayment being fixed and principal payments are not mandatory.

10. Your issues?
• Tell us about the purpose of your loan?
• What are your objectives once securing the loan?
• Do you prefer a Variable / Fixed or Split loan?
• Can you afford the loan without hardship?
• Do you have a current budget of your living costs?
• Are your financial statements in order and readily available?

11. What we do for you?
• Discuss your requirements and fact find
• Review your financial statements
• Assess or set up personal budget
• Investigate Lenders policy to fit your situation
• Analyse best options for lenders and products
• Make recommendation for you
• Assist finalising your decision for which loan

12. What we do next?
• Take a full application
• Compile all supporting documentation
• Input application
• Upload electronically to the Lender
• Contact with you and all parties
• Arrange Valuations
• Keep file moving and on track
• Deal with further queries from Lender
• Advise on Approval stages
• Co-ordinate printing of Mortgage Contracts
• Assist in completing the Loan Contracts
• Arranging Settlement booking

13. Other Services
• Kick Ass Budget program with a 12 month support option &
Kick Ass Cash Flow Manager with support options
• Investment Property analyser using our Wise Property
Chooser program
• Business Development Program & Planning for Small &
Medium Business Owners

14. Financial Services
• We are also Authorised Financial Planners & offer services in-
• Superannuation
• Risk Insurance
• Retirement Planning
• Self Managed Super Funds
• Prosperity Road Authorised Representative 420241 of Accountable Financial Solutions AFSL Number 409424

15. Contact Details
• We look forward to being of service to you
• Our aim is to put you in a financially better position in
accordance with your goals and visions!
• Phone – 8260 3123 or Armin 0401 235 590 or Jenni 0412 484 774
• Email – info@money4.com.au
• Web – www.money4.com.au