overview of what we do
TRANSCRIPT
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