About me….

Diploma of Financial ServicesCertificate of Mortgage PlanningAccounting ApprenticeshipFinancial Planner26 Years experience in Finance IndustryVery experienced Property Developer & Trader.Business Owner myself for 13 yearsFinalist Business Women of the Year 2006Equipment Finance & First Home OwnersWork very closely with Accountants and Key Business advisers to ensure borrowing structure is appropriate and tax effective!

Helping you and your clients make more profit and pay less tax!

Specialist Area

• 40+ Lenders• Residential• Investment• Personal.• Commercial• Business• Industrial• Property Developement• Leasing and Equipment Finance• Car Finance

Loan Wize provides access to;

Our service providers

Equipment Finance Lending Specialists

Products Available

• Commercial Hire Purchase• Chattel Mortgage• Finance Lease• Novated Lease

Vehicles and AssetsWhat information will I need?Vehicle & Assets

• Passenger cars• Light commercial vehicles• Heavy trucks and trailers• Forklifts• Mining vehicles and equipment• Construction vehicles and equipment• Manufacturing plant and equipment• Printing presses and associated plant• Electronic and computer equipment• Office fit-outs for professionals• If you’re not sure – call us

ABN and GST Reg’n for minimum 24 monthsHome Owner with equity (no mortgage required)New or used VehicleMust be from a Licensed Dealer (no more than 5 years old)

Low Doc Vehicle Funding

Home Loan Lending Specialists

Borrowing to fund acquisition your first home, new property

or investment property

11

Growth + Yield

CBD Inner City Suburbs Country

Yield

YieldGrowth

Growth

Growth or Yield

Level of security = LVR

Level of serviceability = DSR

How Much Can I Borrow?

Total loansTotal value

=LVR

= Loan payments 30% income + 80% rent

DSR

Measuring LVR and DSR

Rising Real Estate Values

Rising Interest Rates

Falling Share Prices

Falling Commodities

Falling Reserves

Tighter MoneyFalling Interest Rates

Rising Share Prices

Rising Commodities

Rising Reserves

Easier Money

When is the best time?

$160,000 $52 / wk

When you can afford to

$31/wk = New leather lounge

$52/wk = New kitchen

$77/wk = New boat

$170/wk = New 4W Drive

Spending the spare money

$31/wk = Lounge

$52/wk = Kitchen

$77/wk = Boat

$170/wk = 4W Drive

= 1 Townhouse

= 1 small house

= 1 big house

= 3 houses

Investing the spare money

• No Margin Calls• Property market not as volatile to downward trends (still

possible to have reductions)• Income from rent can be enough to cover the interest

costs• History shows strong capital growth• Higher LVR’s available (banks love lending on property)

Why Property can be better than Shares for Gearing

Business Lending Specialists

Borrowing to fund acquisition or expansion of businesses

Borrowing to fund business purchasePurchase of Business Premises (stop paying rent)Self Managed Superfund BorrowingsFunding Working Capital requirementsAsset Finance – ie Motor Vehicles and Plant and EquipmentDebtor FinancingStock Funding

What do we do for Business Clients?

1. Interest – Overdrafts/Term Loans/Commercial Bills

2. Lease Payments – Leases & Chattel Mortgages expiring

3. Rent Payments – Loan to purchase freehold

4. Rental Income Received - Investment property loan, caompetative?

5. Storage Shed Fees – Loan to purchase shed

6. Merchant Fees – is it competitive rate?

7. Bank Fees & Charges – are you paying to much

8. High Motor Vehicle Repairs – Upgrade vehicle – Chattel Mortgage

9. Workcover – Large premiums can be spread over 12 payments

10. Superannuation Payments - Self Employed Deduction

What to look for on your P&L !

Business Lending at Home Loan RatesAssume: Business Loan $300k secured by Home

Interest Rate 8.2%

Fees Approval (1%)$3,000Fees Loan Admin$1,650

Interest 6.79%Savings $4,230 paFees Approval $500Fees Annual $120

Total Savings (yr 1) $8,260 yr1Ongoing $5,760 pa

Comparison of Benefits.

We are in the business of helping people to realise

their personal and business goals and create wealth

through property and saving on their loan facilities.

That’s why I love what I do!!

Any Questions?

Wize Up to your best Financial Decision!www.loanwize.com.au