Welcome... Inside this issue we introduce to you an innovative new product that

will allow you to save time and money on your home loan, and help

you achieve home ownership much sooner than you will using

standard industry rates and repayment models!

The latest destination for our dream holiday competition is

revealed! Check out the back page for more information and

details on how to enter !!

Getting ready for the festive season? We’ve got it covered with

some budget tips to keep you on track and don’t miss the Aussie

Rum Ball recipe, that’s super simple and is such a treat to have

while relaxing over the silly season!

With the final weeks of 2015 coming to a close, we want to take

this opportunity to thank you all for your continued support and we wish you and your family a

happy and healthy Christmas & New Year, that is filled with love, laughter and happiness!

Enjoy the read,

Shane, Megan, Scott & Cassie

Ins ide th is

i ssue:

Welcome 1

Recipe 1

Home

Ownership

Sooner

2

Xmas Budget

Tips

3

Home Loan

Application :

Trip Up’s

3

Competition 4

“Financial Solutions to meet all your needs” D E C E M B E R 2 0 1 5

Method

1. In a large bowl, crush the Weetabix.

2. Add the cocoa, coconut, raisins, condensed milk and rum.

3. Mix together until well combined. Let the mixture stand for 2 minutes.

4. Form mixture into small bite size balls.

5. Toss in coconut.

6. Refrigerate for at least 2 hours. Store in an airtight container.

Note: To keep rum balls longer, store in freezer, then take out shortly

before serving.

Rum Balls - Aussie Style Ingredients

7-9 Weetbix

3 tablespoons cocoa

½ cup coconut unsweetened, shredded

6 oz raisins

1 can sweetened condensed milk (14 oz)

4 tablespoons rum

extra unsweetened, shredded coconut

for tossing

Recipe sourced from www.cookiesorbiscuits.com

YOU may qualify for the lowest home loan in Australia’s history!

Have a home loan and investment loan ?

Have a home loan and need finance to purchase an investment property ?

Have an investment loan and need finance to purchase your own home ?

Need finance to purchase your own home and an investment property ?

DO YOU (or anyone you know ? ) ...

Check out the article inside to see how home ownership can be achieved much

sooner than you will using standard industry rates and repayment models”!

IMPORTANT NOTICE : HOLIDAY HOURS - Our office will be closed for the Christmas/New Year period

from 5pm Wednesday 23rd December 2015 until 8:30am Monday 4th January 2016.

(07) 4939 8882 Achieve Home Ownership much sooner! There has been an innovative new mortgage product released that has the Finance Industry buzzing. It is one of

the most exciting Loan/Mortgage products ever to be released!

The MortgageDown System offers significant home loan interest savings for homeowners (who are/or intend to be

residential property investors) with both a home loan and a residential investment loan.

The special MortgageDown Calculator, will bring the home loan interest rate down to the lowest level possible under

the Product guidelines - See example below.

Home Loan

as low as

2.5%p.a.

(Floor rate)

Investment Loan

No higher than

5.5%p.a.

(Ceiling rate)

TWO STANDARD VARIABLE RATE LOANS WITH LOAN REDUCER

Home Loan $250,000

Principal & Interest

Investment Loan $450,000

Interest only

5.05% Standard Rate 5.50%

1.93% Rate Discount 0.00%

3.12% My Loan Rate 5.50%

The MortgageDown Solution is designed to significantly reduce the home loan P&I interest rate. By clients choosing to continue their home loan repayments at

the current level, they will then further reduce the total interest paid and also the loan term (resulting in total savings as per below).

Interest Savings $144,352.16 Time Saved of 8 years 10 months

If you would like to know more about this fantastic new product and whether it suits your personal

circumstances, please contact us on (07) 4939 8882 OR teamypn@cpf.com.au

Let us TILT your home loan rate in your favour!

Normal Rates

Disclaimer: The calculation is for internal use by authorised users only. While every effort has been made to ensure the accuracy of the calculator, the results should

be used as an indication only, they are neither a quote nor a pre-qualification for a loan. The calculation does not take into account any personal objectives; it is

recommended clients seek their own legal and/or financial advice. Rates are subject to change; fees and charges may apply; lenders’ credit criteria will apply.

MortgageDown Rates

Home Loan

4.6%

Investment Loan

4.6 %

(07) 4939 8882

Things that could trip you up when applying for a home loan

Buying your dream home is exciting, so the last thing you want is for your home loan application to be held

up. While many factors are considered in assessing an application, showing stability and consistency is key

for lenders to determine whether you will be able to repay the loan. But sometimes what’s happening in your

life can trip you up. Here are some things to be aware of.

If you’re at the other end of your kid-wrangling years and looking at returning to work after an extended

break, it may be best to wait until you’ve been back at work for a few months before applying for a loan.

Having a consistent employment record doesn’t mean you need to have the same job for years, but if

you’re planning on applying for a home loan, it might be best to hold off changing jobs. If you do have

to, it’s worth knowing that with some lenders you’ll need to show at least two pay slips with the same

employer. If you can show over 12 months in the same job that’s even better.

If you have a probationary period in your new role, it could also be difficult to have a loan approved until

you’ve completed it and the role is made permanent.

For the self-employed, demonstrating a stable income can be particularly difficult, which is why it’s a

good idea to have your accountant put together financial statements, which you’ll need to include as

part of your loan application. Generally you’ll need at least one year’s history to support your application.

If overtime or shift allowances are a significant part of your income, we are able to provide advice on which

lenders may take these into account for loan repayment ability, as not all do.

Budgeting tips for the holiday season The silly season can be fun, but it could also leave you with a financial hangover. Thankfully, with a little

preparation and creativity you can still enjoy it, and keep your finances under control.

Give wisely

You’re probably not the only person feeling the pinch, so why not suggest a Secret Santa. You can spend a

little more giving one person what they really want. If you can’t bring everyone on board, make the most of

online coupons that can now be used to buy everything from a discounted massage to bonus movie tickets.

And if you’re feeling creative, a handmade present is both

light on the wallet and an extra-special keepsake.

Feast not famine

Putting on Christmas dinner doesn’t have to cost the earth.

Rather than shopping at your local supermarket, try grabbing

a bargain at specialist discount stores that offer deals on bulk

purchases for both food and drink. You can also save yourself

stress by hosting a pot luck meal, where each guest brings

their specialty dish.

Reinvent your holiday

You deserve a holiday, so why not plan a ‘staycation’? You can save on travel expenses and have the added

advantage of seeing your town through the eyes of a tourist. If you want to travel further afield, house swaps

let you see what life is like in a new place while saving on accommodation costs. When you’re booking air

tickets, shop around for dates and times, as there can be considerable savings if travelling on particular days

such as Christmas Day, and on red-eye flights. And don’t forget to check the reward points on your credit card

or frequent flyer card – there may be enough to cover your journey.

Centrepoint Finance Yeppoon

34 Normanby Street, YEPPOON, Q 4703

PO BOX 2290, YEPPOON, Q 4703

Phone: (07) 4939 8882 | Fax: (07) 4939 8885

E-Mail: teamypn@cpf.com.au

ABN 71 098 663 846

ASIC License No. 389397

Product Offering:

Home Loans Chattel Mortgage Debtor Finance

Investment Loans Finance Lease Deposit Bonds

Land Loans Novated Lease Commercial Solar

Rural Loans Sale & Lease/Hire Back Premium Funding:

Business Loans Operating Lease - Insurance

Commercial Loans Hire Purchase - Registrations

Consumer Loans Rental - Public Liability

DISCLAIMER: This newsletter has been prepared by The Centrepoint Finance Yeppoon Team. Every effort has been made to ensure the contents are

accurate at the time of publication. Shane Nipperess/Centrepoint Finance Yeppoon take no responsibility for any subsequent action that may arise

from the use of this newsletter.

CALL US FOR ALL YOUR PERSONAL & BUSINESS FINANCE NEEDS

7 night holiday package to Dubai for

two people

Return economy airfares to and from

Dubai

Transfers from Dubai International

Airport

7 nights’ accommodation at Arabian

Courtyard Hotel and Spa

Deluxe Room with buffet breakfast

included

The Prize Includes

How to get additional entries

Enter using any of the above methods. Make sure you include your details AND the details of the person you are referring.

Contact us for a review of your finances & and receive 1 entry!

Contact us for a review of your risk insurances, superannuation or financial planning needs & receive 1 entry!

Refinance/settle a new loan yourself or do any type of business with us & receive 3 entries!

By the way, please feel comfortable about entering this amazing competition because we respect your privacy, and promise to

keep your details safe. We just want to give you the opportunity to win a fantastic holiday!

This competition commences at 9am AEDT on Tuesday 1 December 2015 and closes at 5pm AEST on Wednesday 27 April 2016. Authorised under NSW Permit

Number LTPS/15/07979; ACT Permit No ACT TP 15/07825; SA Licence No: T15/1820. Please contact the office if you would like a copy of the terms and conditions.

Traditional Dubai City Tour – a

fascinating historical excursion of both

modern and ancient Dubai.

Sundowner Dune Safari – Four wheel

drive over the rolling dunes to a desert

feast in Bedouin tents. You can even

ride a camel!

Included activities/tours

CLICK HERE TO ENTER