1 Orium Finance. Your finance specialists

Transcription

1 1 Orium Finance Your finance specialists

2 Your finance experts Whether you re buying your first home, purchasing an investment property, looking to renovate or just want to make sure you re getting the best deal on your mortgage, Orium Finance are your finance experts. At Orium Finance we re more than your typical mortgage brokers. We re your independent finance specialists, with years of banking, finance and business advisory experience on our side. We take a strategic approach to lending, ensuring you have a solution that works for you now and into the future. We analyse the features, rates and benefits from a large range of competitive lenders, so you can be assured you have the right deal for you. Buying and upgrading property can be stressful enough without navigating the array of loan options and confusing application forms. At Orium we work with you to make the process manageable. Your dedicated financial specialist will thoroughly review your lending options, then partner with you throughout the application and settlement process. As a result, the complexity is removed and the process is streamlined. Whether you simply want a great interest rate or you require a more complex borrowing strategy, our experts can find a lending solution that works for you. Our services include: Home loans Investment loans Refinancing SMSF loans Trust loans Commercial loans Leasing/asset finance Business cash flow finance 2 Orium Finance Orium Finance 3

3 Why choose us? Discounted interest rates Strategic lending solutions tailored to you Access to a wide range of lenders I had been procrastinating about refinancing my home for months, until my financial advisor recommended me to Orium. Thomas was able to get me a much better interest rate and made everything simple. My only regret is that I didn t contact them sooner as I would have saved even more! David, Brisbane Independent finance specialists On-going reviews of your loan package Key benefits After-hours access Streamlined application process Exclusive benefits On-call personal advice post settlement Highly personalised service 4 Orium Finance Orium Finance 5

4 Orium overcame the endless hurdles we experienced getting a loan which is a testament to their expertise. They were able to get us a great interest rate and provided excellent service, making sure we understood everything and keeping us informed every step of the way. Buying our home was really stressful, but Orium helped make it easier. We highly recommend Orium to anyone needing a loan. Ivan and Martina, Sydney Strategic expertise The team at Orium Finance take a strategic approach to lending. We take the time to understand both your immediate borrowing needs, as well as your longer term funding objectives. We then use our industry expertise to craft a lending solution that meets your needs today, and is flexible enough to grow with you in the future. We analyse the features, rates and benefits of loan options from a large range of competitive lenders, including the major banks. Our independence guarantees that we are not aligned with any financial institutions - so you re exposed to a wider range of options, and we re able to negotiate the best deal for you. Our years of banking, finance and business advisory experience has given us inside knowledge of the internal processes within the major banks and financial institutions. Not only does this enable us to get you the best rates, benefits and discounts, it also ensures a fast and efficient service. Orium s service extends to strategies beyond the initial loan enquiry. Our finance advisors have the expertise to help with the following: Debt structuring to maximise tax efficiency Debt consolidation strategies Asset protection strategies Lending solutions for self-employed Lending solutions for families on maternity leave Funding for trust structures 6 Orium Finance Orium Finance 7

5 Unprecedented service At Orium Finance we work for you, not your lender. Our aim is to guide you through the application and settlement process with minimal disruption to your daily life. You will have a dedicated finance specialist who will take you through every step of the process - from understanding your financial objectives, all the way through to making that first payment. We are dedicated to helping you clearly understand the lending options available to you, along with the costs, structures and advantages of each. We ll show you the impact of different options on your overall objectives, giving you confidence that you re making an informed decision. Once you ve selected your preferred option, we ll pre-complete all of the paperwork to make your life easier. Orium s service doesn t end with the first mortgage payment. At Orium, we like to develop long-term relationships with our clients. We re always available to provide personalised advice and we ll regularly review your package, providing you with the assurance that you have the right lending solution as market conditions change in the future. We can work with you online, over the phone or in person, and we re available after-hours for your convenience. We ll also do all of the liaising with your other trusted advisors, including accountants, solicitors and real estate agents, so that the process is as streamlined as possible for you. 8 Orium Finance Orium Finance 9

6 How we work with you Meeting or call with you to understand your immediate funding needs and long-term borrowing objectives Assess your lending capacity Analyse the features, rates and benefits of dozens of loans (including the major banks) and craft a lending solution tailored to your strategy Present you with the most suitable lending solutions for your strategy, explaining the different package features and impacts on your overall objectives Help you select your preferred lending solution so you re confident in your decision Guide you through the application process, making it easy for you Work with the selected lender and any of your advisors to facilitate a fast approval On-going reviews and personal advice to ensure you have the right package as market conditions change 10 Orium Finance Orium Finance 11

7 Success story 1: Linda, Newcastle Situation Linda was referred to Orium after we had helped her daughter. Linda lived in Newcastle, but was offered a job in Adelaide and was unsure how the move would impact her housing options. How we helped Orium prepared several borrowing scenarios to help Linda make an informed decision and give her the confidence to move forward. After Orium consulted with Linda, she felt most comfortable with the scenario of converting her Newcastle property into an investment property and purchasing a new home in Adelaide. After taking Linda through the benefits of establishing offset accounts, a pre-approval was initiated for Linda s new Adelaide home. That way Linda knew in advance what she could afford and make an offer with piece of mind that she could obtain the necessary finance. Outcome As a result of the initial strategy research, Linda was delighted to discover she could keep her existing Newcastle property as an investment for her retirement, while at the same time purchase a new home in Adelaide. Orium assisted Linda to purchase the home in Adelaide and refinance the Newcastle property, obtaining significant interest rate discounts. Process Linda referred to Orium Finance by a family member Provide Linda with detailed borrowing analysis and scenarios Arrange discounts with the lenders for the current and new loans Ensure the new facilities and offset accounts are established correctly Meet with Linda to understand her current situation and objectives Arrange pre-approvals with the lender for the Adelaide home Pre-complete application forms and manage the submission process Periodically review Linda s loan package to ensure she has the right package as market conditions change 12 Orium Finance Orium Finance 13

8 Success story 2: Michael and Sarah, Sydney Situation Michael and Sarah were looking to use equity in their home to purchase an investment property. After consultation with their current lender and another mortgage broker, they were disappointed to learn that they were unable release any equity to fund the purchase. Knowing the Orium team was skilled in dealing with complex borrowing scenarios, their accountant referred Michael and Sarah to us. How we helped Outcome Due to the relationships and expertise of Orium s finance advisors, Michael and Sarah were able to purchase an investment property for their longterm wealth building strategy, while at the same time reduce their current home loan rate and pay down their expensive credit card debt. The monthly savings from repaying their credit card debt meant that Michael and Sarah have been paying their home loan off faster, saving thousands of dollars each year. In their initial appointment, Michael and Sarah revealed that they had significant credit card debt which they were paying thousands of dollars in interest on each year. Despite their situation, Orium was able to leverage its relationship with a major bank to access the equity they required to fund the investment property purchase. In addition, Orium managed to obtain additional funds to repay some of their long-standing credit card debt. Process Michael and Sarah referred to Orium Finance by their accountant Search for a solution to meet Michael and Sarah s challenging circumstances and present them with a funding strategy to meet their objectives Arrange discounts with the selected lender for the loans Ensure the new and existing facilities, as well as offset accounts, are set up correctly Meet with Michael and Sarah to understand their current situation and objectives Arrange the release of equity for the investment property purchase, as well as equity to repay the credit card debt Pre-complete application forms and manage the submission process Periodically review Michael and Sarah s loan package to ensure they have the right package as market conditions change 14 Orium Finance Orium Finance 15

9 Whether you re buying your first home, a property for investment, looking to renovate or just want to make sure you re getting the best deal on your mortgage, Orium Finance are experts that make it easy info@orium.com.au Level 2, 62 Pitt Street, Sydney NSW 2000 Australia orium.com.au Orium Finance, ABN Credit Representative, Finsure Finance and Insurance Pty Ltd, ABN , ACL Orium Finance