A LIfe Well Planned

Lending Advice….much more than just a Mortgage BrokerA Life Well Planned Lending Pty Ltd

Authorised RepresentativesAustralian Finance Group LimitedAustralian Credit License 389 087, Credit Representative Number 439 447

L50, 120 Collins St Melbourne Vic 3000

T 1300 55 65 14F 03 9225 5050 E [email protected]

www.alifewellplannedlending.com.auwww.facebook.com/alifewellplannedlending

lending

“living a life well planned”

General Advice Warning:Any advice in this publication is of a general nature only and has not been tailored to your personal circumstances. Please seek personal advice prior to acting on this information. Before making a decision to acquire a financial product, you should obtain and read the Product Disclosure Statement (PDS) relating to that product.A Life Well Planned Lending ABN 22 163 508 905, Authorised Representative of Australian Finance Group ABN 11 066 385 822, Australian Credit Licensee, 22 Delhi St, West Perth, WA, 6005. Australian Credit License 389 087 Credit Representative Number 439 447

Notes:

True Ethics Christmas Gift … it’s our gift to you.

A Life Well Planned Lending has a strong belief in assisting clients with their lending solutions and reaching their goals. We deal with all the major lenders and take the time and care needed to understand you, your needs and your goals to find the suitable lending solution for you.

The True Ethics Christmas Gift is an ethical decision by A Life Well Planned Lending to give something back to clients every year they have their loan with the A Life Well Planned Lending Family.

Once you are welcomed into the family we ensure you of course receive a Christmas gift and Christmas card, as we are all one happy family.

The True Ethics Christmas Gift is a cheque addressed to you the client in a Christmas card to be spent in any way you desire. You may wish to pay down your loan, pay off your credit card, buy Christmas Gifts for others (we won’t tell any-one) or put it towards your savings for something important in the future.

A Life Well Planned Lending ABN 22 163 508 905, Authorised Representative of Australian Finance Group ABN 11 066 385 822, Australian Credit Licensee, 22 Delhi St, West Perth, WA, 6005. Australian Credit License 389 087 Credit Representative Number 439 447

1

How much is your True Ethics Christmas Gift?

0.15% of the running balance* of the loan for the current year you have been part of our family.

Here an example of the True Ethics Christmas Gift in action:

On a running loan balance* of $350,000 for a full year you would receive a cheque in a Christmas card for $525.00, this is A Life Well Planned Lending’s True Ethics Christmas Gift to you.

It really is that simple.

You can visit us at www.alifewellpannedlending.com.au to find out how much your True Ethics Christmas Gift could be, using our slider bar calculator (very easy to use) and see the terms & conditions (very easy to understand) or call us on 1300 55 65 14.

*The running balance is calculated by taking your balance at the end of each month and then taking the average of those balances over the period the loan is with A Life Well Planned Lending in the relevant year.

The Loans that we do:

A Life Well Planned Lending ABN 22 163 508 905, Authorised Representative of Australian Finance Group ABN 11 066 385 822, Australian Credit Licensee, 22 Delhi St, West Perth, WA, 6005. Australian Credit License 389 087 Credit Representative Number 439 447

• Home Loan

• First Home Buyers

• Investment Loans

• Refinancing

• Unlocking Equity

• Self Employed Applicants

• Debt Consolidation

• Self Managed Super Fund (SMSF) Borrowing

• Expat Loans

• Car Loans

• Personal Loans

• Commercial Lending

Yes, there are many types of lending available through us,

so please sit down with one of our Lending Advisors

to discover what you can achieve.

2

Variable vs Fixed Rates… to fix or not to fix…Is that the question?

Currently in Australia Fixed and Variable rates are at historical lows, but what will they do next week, month, year or even over the next 10 years? It is difficult even for experts to make long-term interest rate predictions… they often get it wrong.

Your choice of loan is determined by your situation and your own financial priorities. Your choice needs to be made with your own financial goals in mind, and with consideration of your income, cash flow and need for security or flexibility.

Fixed & Variable Rates simplified:

Fixed Rate

- Offers the security of knowing that your repayments won’t

change during the selected fixed term. This allows for more

precise budgeting and planning of your personal finances

- Provides protection from interest rate fluctuations

- Is taken out for a set period - usually (1 to 10 years) with a set

interest rate

- When a fixed period ends you can choose to re-fix the rate

again, or switch to a variable rate

- Both principle and interest or interest only terms available

A Life Well Planned Lending ABN 22 163 508 905, Authorised Representative of Australian Finance Group ABN 11 066 385 822, Australian Credit Licensee, 22 Delhi St, West Perth, WA, 6005. Australian Credit License 389 087 Credit Representative Number 439 447

Variable Rate

- Fluctuates with the market

- Offers more flexibility – with options such as additional

repayments, redraw and offset

- Both principle and interest or interest only terms available

- Terms available up to 30 years

Split Loan

- A combination of fixed and variable (the best of both worlds)

- Allows you to take advantage of the security of fixed rates,

whilst still enjoying the flexibility of a variable loan.

We know that everyone is different. After conducting an assessment of your financial situation and future goals, we will use our understanding to help find the right loan for you.

3

Self Managed Super Fund (SMSF) Borrowing.

Thinking of buying a residential investment property through super?

Do you want to own a commercial property through your super?

Are you a Self Employed person paying rent to another landlord?

Here a few points to consider when thinking about SMSF borrowing…

1. If you do not have an SMSF – it is both important and prudent to speak with a Financial Advisor to discuss if this structure would suit you.

2. If you currently have a SMSF – do you have the correct trustees in place and do you have a corporate trustee?

3. Property Type – which property type are you purchasing, whom are you purchasing it from and for what purpose? The answers to these questions are all very important as the SMSF structure has limitations that must be adhered to.

4. Investment Strategy – you will need a documented investment strategy.

A Life Well Planned Lending ABN 22 163 508 905, Authorised Representative of Australian Finance Group ABN 11 066 385 822, Australian Credit Licensee, 22 Delhi St, West Perth, WA, 6005. Australian Credit License 389 087 Credit Representative Number 439 447

5. Protection Strategy in place – you will need to have considered insurance as part of your investment strategy.

6. Settlement – this can be a long process so a long settlement is both best and possibly a necessity.

7. The costs – please talk to one of our Lending Advisors to gain some understanding of the costs involved, which are specific to SMSF borrowing.

There is a great opportunity for you to borrow through your self managed super fund if it is right for you and it is prudent to speak with a Lending Advisor, Financial Advisor and Accountant prior to making any decisions.

Please sit down with us to discuss this new borrowing that is quickly growing in popularity and which lenders may be suited to you.

4

“living a life well planned”

General Advice Warning:Any advice in this publication is of a general nature only and has not been tailored to your personal circumstances. Please seek personal advice prior to acting on this information. Before making a decision to acquire a financial product, you should obtain and read the Product Disclosure Statement (PDS) relating to that product.A Life Well Planned Lending ABN 22 163 508 905, Authorised Representative of Australian Finance Group ABN 11 066 385 822, Australian Credit Licensee, 22 Delhi St, West Perth, WA, 6005. Australian Credit License 389 087 Credit Representative Number 439 447

Notes:

Lending Advice….much more than just a Mortgage BrokerA Life Well Planned Lending Pty Ltd

Authorised RepresentativesAustralian Finance Group LimitedAustralian Credit License 389 087, Credit Representative Number 439 447

L50, 120 Collins St Melbourne Vic 3000

T 1300 55 65 14F 03 9225 5050 E [email protected]

www.alifewellplannedlending.com.auwww.facebook.com/alifewellplannedlending

lending