Let us show you how

2. Let us show you how

3. What We Do For You • Equity Access Australia Pty Ltd was established in 1998 and is owner operated. • We are Mortgage Brokers working for you to find the right Lender and Product. • We aim to make your lending experience as painless as possible. • You will be treated like a person not a number with the highest quality of customer service.

4. Some of the Lenders we are accredited with

5. What Info. are Lenders Looking for? • PAYG Applicants (Working for someone else) • Casual Employment • Last 3 payslips & last years Group Certificate/Tax Return. • Min. Employment 12 months with most lenders. • Part Time / Full Time • Last 2 paylips & last years Group Certificate/Tax Return. • Min. Employment 3 months with most lenders. • Self Employed Applicants (Working for yourself under ABN / Company / Trust) • Last 2 Years Taxation Returns & Financial Statements Plus Tax Assessment Notices. (2013 Returns are not required with most lenders until April 2014)

6. Further Information Needed • Refinancing: 6 months loan statements. Credit Cards only 1 month. • For Savings contributing: 3 months savings statements required. • Recent Rates Notice for all properties & recent rental statement if rented. • 100 Points of ID viewed as an original document or JP Certified. • For Trust/Company Purchases: Copy of the Trust Deeds & Company Registration.

7. Credit Reporting Agencies • VEDA Advantage • Dun & Bradstreet • Both of these hold credit records for up to 7 years. • Credit Scoring means you are now “scored” every time you apply for finance (Inc. telephone / electricity accounts, store cards etc.) • The more enquiries on your report the higher your score/risk.

8. Purchasing Security Types & LVR’s (Loan to Value Ratio) • Residential security up to 95% LVR (Subject to Lenders Mortgage Insurance Approval) • Rural/Residential Security up to 90% LVR (Subject to Lenders Mortgage Insurance Approval) • Vacant Land/Residential Construction generally up to 90% LVR (Generally, Subject to Lenders Mortgage Insurance Approval) • Resort Style/Serviced Apartment/Letting Pool Units up to 80% LVR (As long as units can be pulled out of the letting pool within 60 days and the unit is not Duel Key) • Rural Security can borrow up to 70% LVR (There needs to be access road to the property, town water and power)

9. Trust/Company Loans • Exact name on the contract as the purchaser. • Company As Trustee For a Trust purchases, please write, “ABC Company ATF The ABC Family Trust” as the purchaser. • All Directors of the Company will need to provide all their personal particulars and taxation returns. • All debts of the individuals are taken into consideration when qualifying the lending by the lender.

10. Self Managed Super Fund Loans • Allow extra time on your contract, as the approval & settlement process takes longer. 30 days for finance & 90 days for settlement is ideal. • Most lenders will need a Trust set up for each property and generally they will want a corporate Trustee eg. Company. In some cases the lender will set the trust up for you. • Residential Security can borrow up to 80%. • Commercial security can borrow up to 70%.

11. Is everybody awake?

12. Mother with Baby born at Seaworld

13. MigalooBreaching off the Gold Coast

14. Migaloo having a sun bake

15. Dugong Research in Moreton Bay

16. Taking the temperature

17. Shark with hook stuck in mouth

18. Watch your hands

19. Grey Nurse are endangered

20. A Great White having lunch

21. Humpbacks in Distress

22. A mission to save

23. Lutick at play

24. Ever Need a filling

25. As Cute as it gets

26. Pre Approvals • Benefits of a Pre Approval from a lender: • Approved borrowing capacity. • Peace of Mind. • Bargaining Power for Vendors. • Generally less time needed for finance once contracts are signed. • Make sure you still have a finance clause of at least 14 days as any Pre Approval will always be suggest to “Suitable Security” being valued and approved by the lender.

27. Fixed Rates • Currently we are experiencing the lowest fixed rates in Australian History. • Benefits of Fixing – • Locked in rate that will not fluctuate. This means you know what you are committed to for the fixed term period. • Disadvantages of Fixing – • You are limited to how many additional payments before being penalised. • No Redraw Facility or other transactional banking facilities. • Break costs if selling or refinancing within the fixed term.

28. Variable Rates • Lowest Variable Rates in History • Benefits to a Variable Rate – • Freedom to pay the loan down as quickly as you wish. • Availability to Offset Accounts and Redraw Facilities. • Availability to Salary Crediting, Direct Credit, BPay and other Transactional Banking facilities. • Reduced interest rates in a falling market. • Freedom to sell or refinance without break costs. • Disadvantages to a Variable Rate – • Increased interest rates in a rising market.

29. The Last Ten Years

30. Scenarios • PAYG Applicant with 20% Equity/Savings, $150K pa income, minimal other debt Looking to buy an investment property. • Couple Working PAYG with 5% Genuine Savings, 1 child and combined income of $100K looking to buy a home to live in. • Self Employed Applicant trading for two years with Average Nett Profit of $60K with minimal other debt looking to buy an investment property. • Self Employed/PAYG couple looking to buy and develop into 4 pack with 10% equity/savings. • Self Employed/PAYG couple looking to borrow in SMSF which has $200K minimum funds in it. • First Home Buyer being gifted 5% deposit from Mum/Dad to purchase a home, working full time with income $50Kpa.

31. Summary • There are so many scenarios as we are all different. Having someone who can listen to your particular needs and find a way to make it happen is essential. Experience is essential. Talk to someone who knows.

32. Kerri BurnessCredit License # 390418 Managing Director/Licensee Equity Access Australia Pty Ltd Web:www.equityaccessaustralia.com Follow Us: