“We found the business opportunity that suited our needs but we were concerned that because of our ages, with limited superannuation and equity in our own home, the traditional lenders would not help us.” said Richard. “We were referred to Loan Saver Network by James Home Services. They were fabulous. We had a tight timeframe… but with Loan Saver Network we were able to meet the deadline and secure the franchise we wanted.” “It’s a dream come true being our own bosses and not only earning a great income from the business but with the help of Loan Saver Network we are now setting up the foundations to buy our first investment property.”

• Wage slips, Letter from your employer.
• Previous two (2) years Tax returns (or self declaration form if low doc loan)
• Rates notice or Property Title.
• 6 Months Home loan statements
• 6 moths other loan statements (if consolidating)
• Proof of Deposit (if first home buyer)
• There may be other supporting information required for complex lending structures.

We will provide you a list of items to collect following our needs analysis and identifying a choice of products.

Knowing what is in your Credit Report can help you:

• Keep track of your credit-worthiness
• Be aware of any errors or inaccuracies that may affect your credit rating that need to be investigated and corrected
• Be alert to any possibility of financial fraud against you
• Be empowered to sart the process to repair any “marks” against you that may affect your ability to gain approval for a loan.

If you have glitches in your Credit Report or Credit Defaults you may still have loan options. Loan Saver Network specialises in Loans for the Credit Impaired.

Fixed Rate loans won’t suit all borrowers. There are Restrictions on making extra repayments and there can be early payout fees attached. Appropriatte Loan structuring can provide an all-round solution.

Most Fixed rate loans prevent you paying off your loan as quick as you might like, but there are flexible fixed loans around.

There are generally no restrictions on making extra repayments though lenders are beginning to include early payout fees if the loans are closed in a pre-determined period of time (eg 4 years). Appropriatte Loan structuring can provide an all-round solution.

Variable Rate loans can have benefits such as:

• Available to make extra repayments
• Redraw
• 100% Offset Facilites attached.
• Line of Credit Facilituies
• Interest Capitalisation (product specific)

The purchase of the land can be a second loan, or combined with the construction loan.

Lenders have different policies and procedures for Construction Loans. The value of a Constructed Property is mostly seen as the value of the land + the value of the Fixed Price Building Contract. The lender will use this figure as a valuation as opposed to the actual proposed end valuation.

There are many options for Construction loans, each to suit a variety of circumstances.

For Example:

• $450,000 Sale of Property 1 settles Jan 2007- Current Lan $300k.
• $550,000 Purchase of new property settles: Dec 2006

There is a short term finance required for 1 month between purchase of property 2 and sale of property 1. Total of $550,000 plus costs is needed to purchase new property before the funds from the sale can be contributed back.

With Bridging Finance there is alot that can awry. With Penalty Interest payable if settlements dates are extended.

We have the ability to compare loans apples to apples across over 1000 products.

Most of the loans we offer are the same loans you have access to. With the same interest rate, costs and fees. The benefits of a broker are in that we compare and offer the most competitive loan products for your needs on any given day. There are many boutique lender that offer unique and highly competitive products which we offer access to.

A small change in a mortgage can provide great savings, and also enormous cost.

This type of loan is ideal for people who:

• May need to borrow more money than the limits imposed by tradition lenders
• May need to maximise their borrowing capacity.
• Restructure for Assett or Entity Protection purposes.
• Minimise your Holding Costs.
• Maximise your Returns.
• Looking to structure their lending for Future Investment Purposes and Opportunities.

With this loan you can:

• Borrow from $50,000 up to $2.5 million, for a period of 15 to 30 years
• Obtain up to 80% Loan to Value Ratio without paying the Lenders’ Mortgage Insurance premium.
• Obtain up to 95% Loan to Value Ratio with Mortgage Insurance.
• Chose from a variable interest rate or a fixed rate for 1, 3, or 5 years .
• Repay your loan monthly, fortnightly or weekly including by direct debit
• Chose a Line of Credit facility, including phone or internet, ATM and EFTPOS Access and monthly statements.
• Chose a 100% Offset Account, including phone or internet, ATM and EFTPOS Access and monthly statements.

• Ownership Entity
• Trust Structures
• Trading Entities
• Ongoing Cashflow of Investments
• Future Investment Opportunities
• Risk Identification
• Risk Minimisation
• Investment and Trading Cashflow
• Taxation Implications (Accountant Advice)

A correct loan structure is completed in conjunction with Accountants and if require, Legal Advice.