Piccadilly Financial Group - Lending Division

Piccadilly Financial Group Pty Ltd

Lending Division

www.mortgagebrokerpicfin.com.auAimee HadleyCredit 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

http://mortgagebrokerpicfin.com.au/

• 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

A Company with Experience and Expertise


http://www.ausloanco.com.au/

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


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


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


Mortgage Wheel of Fortune*


Potential Lender # 1

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 history. Subject to full assessment.




St. George BankPotential Lender # 2

Commonwealth Bank



$1,368,000





St. George BankPotential Lender # 3

ANZ Bank



$1,392,000





Homeside Lending



$1,365,600


Mortgage Wheel of Fortune



St. George Bank

SAVING:

$48,000.00Difference betweenthe lenders over 30 years based on interest only


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, [email protected]


mailto:[email protected]

Referral Process


Referral• Structure• Situation

Meet & Greet• Objectives

• Requirements

Options &Recommendations

Decision • Application• Lodgement

Approval & Settlement

After Care• Congratulations / gift

• 1 week / 1 month follow up• Ongoing reviews

Referrer$$$

Pre - Settlement

Post - Settlement

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.

Disclaimer


Thank You

Aimee Hadley Mortgage Broker

Piccadilly Financial Groupwww.mortgagebrokerpicfin.com.auW: 02 9267 7832 M: 0407 688 909

E: [email protected]

Find me on:

http://www.mortgagebrokerpicfin.com.au/

mailto:[email protected]

Documents

Piccadilly Financial Group - Lending Division