Mortgage House Commercial
|
|
- Blake Long
- 5 years ago
- Views:
Transcription
1 Mortgage House Commercial
2 Mortgage House Commercial No annual fees No review Up to 70% LVR 20 year loan terms Loan sizes up to $5 million per security FULL DOC PRODUCT SPECIFICATIONS MINIMUM LOAN: $100, 000 LVR : LVR up to 70% $2M LVR up to 65% $2M $3M LVR up to 60% (P&I) $3M $5M LVR up to 55% (I/O) $3M $5M LOAN TERM: Maximum 20 years APPLICATION FEE: 1% + GST ($740 payable at time of application) SETTLEMENT FEE: 0.25% + GST (Minimum $750 + GST) BORROWER TYPE: 2 Years Full Financials, Owner Occupiers or Investors REPAYMENT TYPE: 5 Years Interest Only Available Fixed rate options available 1-5 Years Page 1 of 4
3 Mortgage House Commercial LEASE DOC PRODUCT SPECIFICATIONS MINIMUM LOAN: $100, 000 LVR : LVR up to 70% $2M LVR up to 65% $2M $3M LVR up to 60% (P&I) $3M $5M LVR up to 55% (I/O) $3M $5M LOAN TERM: Maximum 20 years APPLICATION FEE: 1% + GST ($150 payable at time of application) SETTLEMENT FEE: 0.25% + GST (Minimum $750 + GST) BORROWER TYPE: Lease Agreements Only Min lease term of 2 years remaining Investors Only REPAYMENT TYPE: Yes 5 Years Interest Only A vailable Fixed rate options available 1-5 Years Page 2 of 4
4 Mortgage House Commercial LEGAL COSTS 1 SECURITY FOR LOANS UP TO $600K: $440 FOR LOANS BETWEEN $600K - $1.5M: $550 FOR LOANS BETWEEN $1.5M - $2M: $770 FOR LOANS OVER $2M: Contact us for a quote EACH ADDITIONAL SECURITY: $220 1 TRUST DEED REVIEW: $99 1 GUARANTEE: $99 1 COMPANY SEARCH & DUE DILLIGENCE: $99 1 DEED OF PRIORITY: $220 CROSS BORDER MORTGAGE: $220 SETTLEMENT CANCELLATION FEE: $99 $165 RE-DOCUMENTATION AFTER AMENDMENT: $165 Page 3 of 4
5 Mortgage House Commercial LEGAL COSTS DISCHARGE FEE: $295 BANK CHEQUE FEE: $10 per cheque TELEGRAPHIC TRANSFER FEE: $35 per transfer GOVERNMENT REGISTRATION FEES & CHARGES: ACT $ NSW $ QLD $ SA $ VIC $ WA $ VALUATIONS: On Quote EARLY REPAYMENT FEE: Years 1 = 3 months interest; Years 2 = 2 months interest & Years 3 = 1 month interest. ERF is based on current interest rate and original loan amount TITLE INSURANCE: ALL PROPERTIES ONE SECURITY PROPERTY PREMIUM: $0.60 per $1, of the loan amount with a Minimum premium of $ Each Additional Property $55.00 STAMP DUTY RATES: (Charged on GST inclusive amount and as varied from time to time) ACT 6%, NSW & QLD 9% VIC, WA & TAS 10% SA 11% Page 4 of 4
6 Mortgage House SMSF Commercial
7 Mortgage House SMSF Commercial A user friendly term loan to assist SMSF trustees to invest in Real property. It is important to seek structure. PRODUCT SPECIFICATIONS MAXIMUM LVR: Up to 65% *Maximum 60% LVR applies to loans where the Trustee is an individual. MAXIMUM LOAN AMOUNT: $1,000,000 APPLICATION FEE: $1% + GST ($750 payable at time of application) SETTLEMENT FEE: 0.6% applies Minimum Settlement fee $1,000 + GST MAX EXPOSURE (PER BORROWER): Existing Loan Amounts and LVRS apply (to a max 65%) PRODUCT AVAILABILITY: Subject to Normal CMBS Lending Criteria LOAN TYPE: Limited recourse loan which complies with the relevant legislative requirements (and any associated regulations) LOAN TERM: Maximum 20 years REPAYMENT TYPE: Yes Principal & Interest (P&I) Interest-Only (IO) IO Converting to P & I within 5 years. No redraw is available BORROWER: SMSF Trustee/s, which hold the beneficial interest in the security property, has the right to acquire the property from the Property Trustee, and is permitted to borrow in accordance with the relevant legislative requirements (and any associated regulations). Page 1 of 4
8 Mortgage House SMSF Commercial PRODUCT SPECIFICATIONS MORTGAGOR: Property Trustee/s, which meet the requirements of the relevant legislation (and any associated regulations). Holds the legal interest in the security property on trust for the SMSF. In addition to the general requirements regarding the security property, loans made to SMSF Trustee/s must be secured by a single asset comprising a security property on a single title (not two or more separate titles) and the loan must not cover any additional assets purchased at the time of property purchase. This includes furnishings or other items which are not fixtures. Off-the-plan purchases are acceptable subject to the following: SECURITY: o The full deposit is paid on the unit at contract o The SMSF Trustee does not make any ongoing construction payments o Upon completion of the construction of the unit, the SMSF Trustee makes a one off payment to the vendor (consisting of the loan proceeds and the balance of the purchase price funded by the SMSF Trustee) to complete the transaction Exclusions: o Vacant land o Specialised Security o Units < 50sqm GUARANTORS: Loans must be supported by personal guarantee/s for the full amount of the loan from all adult beneficiaries of the SMSF. Guarantees must be in accordance with the requirements of the relevant legislation and associated regulations. The lender must verify the guarantors financial position as being able to meet the obligations under the guarantee (please note that full income servicing and asset and liabilities details are required to be submitted for all guarantors) Non-resident guarantors are unacceptable. LOAN PURPOSE: Purchase of an investment property plus costs Refinance of an existing SMSF loan plus costs Exclusions: o Construction Loans o Purchase of rural property o Equity Release/Cash Out or Debt Consolidation o Non Arms length transactions o Purchase or refinance of owner-occupied property Page 2 of 4
9 Mortgage House SMSF Commercial PRODUCT SPECIFICATIONS Serviceability is calculated allowing for the following: SERVICEABILITY: o 80% of rental income from investment properties held by the SMSF. o Income from interest/dividend earning investments to be assessed using a deeming rate of 3% o Only mandatory superannuation contributions (currently 9.25% of superannuable salary) to be included o Superannuation taxation rules apply o Must allow for on-going expenses associated with running a SMSF o Loan repayment amount to be calculated on a principal and interest basis o Where a newly established SMSF cannot provide evidence (letter from their accountant) to confirm the running costs of the SMSF, a minimum of $3000 (GST inclusive) should be include in the SMSF Servicing Calculator, otherwise use the running costs state on the accountant's correspondence. Exclusions: o Income derived from other assets is to be excluded o Negative gearing benefits excluded o Where the property is occupied by a beneficiary of the SMSF, This will be subject to the valuation for such a property being valued on a vacant possession basis. Additional servicing capacity will be considered above the required 9.25% and up to the allowed ATO limits where: ADDITIONAL SERVICING CAPACITY: o Regular additional contributions have been made to superannuation or other personal investments or savings, or o Additional loan repayments have been made above the scheduled loan repayments. Note: These items are not to be included in the servicing assessment but can be considered to mitigate servicing affordability. All sources listed above must be verified over a 2 year period. OTHER EXCLUSIONS: Additional Loans/Top Ups Substitution of Security. Page 3 of 4
10 Mortgage House SMSF Commercial PRODUCT SPECIFICATIONS o SMSF and Property Trust Deeds, Guarantees and Loan Agreement must comply with relevant legislative requirements (and any associated regulations) including those which apply in relation to SMSF borrowing, the giving of security and the appointment of a nominee o Confirmation that SMSF is in compliance with the relevant legislation and associated regulations at the outset of the loan, which is to be evidenced as part of the Loan Application process DOCUMENTATION REQUIREMENTS: o SMSF Trustee borrowers and guarantors must obtain independent legal and financial advice and proof of such advice must be retained on the loan file o Guarantors financial position is to be verified as being able to meet the obligations under the guarantee o Guarantors are to be pursued by Sintex in the event of a default and will issue all notices up to and including the Notice of Demand o ASIC searches on all companies including Bare Trust o Copy of Full Lease Agreement (minimum 2 Year Term remaining) LEGAL FEES: $1,600 + GST o Standard document review o Preparation of mortgage documentation Page 4 of 4
RESIDENTIAL FULL DOC Products Defaults, Discharged, Arrears Clean Credit
RESIDENTIAL FULL DOC Products Defaults, Discharged, Arrears Clean Credit 2-30 years / Clear from 4.69% & Impaired from 5.69% Nil to 0.10 trail Land Only Lo & Full Doc 1-30 years / from 4.30% 1-30 years
More informationRESIDENTIAL FULL DOC Products Defaults, Discharged, Arrears Clean Credit
RESIDENTIAL FULL DOC Products Defaults, Discharged, Arrears Clean Credit Type Securitised Securitised Securitised Term/Interest Rate 2-30 years / Clear from 4.59% & Impaired from 5.59% for 80%LVR From
More informationRed Rock Brokers Group Pty Ltd. SMSF Lending. Professional Development Day Training
SMSF Lending Professional Development Day Training Network News FOS membership recently expired for many members. Please email your certificate to certificates@redrockbrokers.com.au A reminder that all
More informationLenders Mortgage Insurance
Lenders Mortgage Insurance Underwriting Guidelines Australia Effective as at 16 May 2017 1 At Genworth we pride ourselves on our commitment to our lender and broker customers, ensuring each interaction
More informationLenders Mortgage Insurance
As at June 2016 Lenders Mortgage Insurance Underwriting Policy, Product Parameters and Management Guidelines Australia LMIUWPA0616 0 Disclaimer This is the Lenders Mortgage Insurance (LMI) Underwriting
More informationLenders Mortgage Insurance. Underwriting Guidelines. Australia
Lenders Mortgage Insurance Underwriting Guidelines Australia Effective as at 28 November 2016 At Genworth we pride ourselves on our commitment to our lender and broker customers, ensuring each interaction
More informationJuly Solutions PLUS. Home Loan Product Guide
July 208 Solutions PLUS Home Loan Product Guide Solutions PLUS (PRIME) Product Specifications Full Doc Full Doc PLUS Purchase or refinance of owner occupied properties Purchase or refinance of owner occupied
More informationOrder Form LRBA Related Party Lender KNOWLEDGE + INNOVATION + SKILL = SOLUTIONS DON T RISK MISSING YOUR ULTIMATE DEADLINE
Order Form LRBA Related Party Lender 0 Urgent orders are e-mailed that day. Otherwise, documents will be sent to you by e-mail within 48 hours of receipt of the order. Price includes telephone support
More informationComplete SMSF Legal. Page 1 of 5. Murfett Legal 2017 All rights reserved
Documentation ++ & Services Guide Murfett Legal provides the complete suite of advice and documentation for Self Managed Superannuation Funds. All documents are prepared by Murfett Legal s lawyers and
More informationMonthly Covered Bond Report Date: 26/11/2015 Determination Date: 6/11/2015 Distribution Date: 6/11/2015. Stable. Stable
Monthly Covered Bond Report Date: 26/11/2015 Determination Date: 6/11/2015 Distribution Date: 6/11/2015 Parties Issuer Macquarie Bank Limited Servicer Macquarie Securitisation Limited Covered Bond Guarantor
More informationING Bank (Australia) Limited Covered Bond - Investor Report
Covered Bond - Investor Report Collection Period End Date: Determination Date: Trust Payment Date: Date of Report: Note: The ACT and Strat tables in this report is based on the pool composition as at trust
More informationKNOWLEDGE + INNOVATION + SKILL = SOLUTIONS. Limited Recourse Borrowing Arrangements - gearing of SMSF s. Can a SMSF borrow money?
Limited Recourse Borrowing Arrangements - gearing of SMSF s Can a SMSF borrow money? On and from 24 September 2007, the Superannuation Industry (Supervision) Act 1993 (SIS) was changed to permit a SMSF
More informationInvesting in Residential Property via your Superannuation
Investing in Residential Property via your Report for April 2010 www.garis.com.au The Strategic Accounting Specialists Investment in Residential Property via The Garis Group offers strategic advice to
More informationMonthly Covered Bond Report Date: 31/07/2016 Determination Date: 3/08/2016 Distribution Date: 12/08/2016. Stable. Stable
Monthly Covered Bond Report Date: 31/07/2016 Determination Date: 3/08/2016 Distribution Date: 12/08/2016 Parties Issuer Macquarie Bank Limited Servicer Macquarie Securitisation Limited Covered Bond Guarantor
More informationRESIDENTIAL FULL DOC
Products Clean, Defaults, Discharged, Arrears RESIDENTIAL FULL DOC 2-30 years Impaired from 3.99% Application Fee From 0.75% Nil to 0.10 trail Residential block of land Lo & Full Doc 1-30 years / Full
More informationBond Issuance Summary as at 01 July Covered Bond Swap Providers
Monthly Covered Bond Report Date: 30/06/2016 Determination Date: 1/07/2016 Distribution Date: 12/07/2016 Parties Issuer Macquarie Bank Limited Servicer Macquarie Securitisation Limited Covered Bond Guarantor
More informationTHINKTANK LOAN APPLICATION FORM Section Summary & Completion Guide
THINKTANK LOAN APPLICATION FORM Section Summary & Completion Guide Primary Borrower Section Section Title Section Purpose Company / Trust SMSF Individual/s Comments Checklist & Payment of Fees Section
More informationSelf-managed superannuation funds and borrowing
1 Self-managed superannuation funds and borrowing So self-managed superannuation funds can borrow? Well, it depends! Opportunity In 2007 the Superannuation Industry (Supervision) Act 1993 (SIS Act) was
More informationApollo Series P Trust
Apollo Series 2008-2P Trust Investor Report for the Monthly Period Ending 2 September 2015 Mortgage Portfolio Details First Day of Monthly Period: Last Day of Monthly Period: 03/08/2015 02/09/2015 Total
More informationHigh Yield Mortgage Trust Wholesale High Yield Mortgage Trust
High Yield Mortgage Trust Wholesale High Yield Mortgage Trust Continuous Disclosure Notice 8 February 2013 Understanding the Trusts The Australian Securities and Investments Commission (ASIC) has issued
More informationChallenger Howard Mortgage Fund Challenger Howard Wholesale Mortgage Fund Challenger Mortgage Plus Trust
Challenger Howard Mortgage Fund Challenger Howard Wholesale Mortgage Fund Challenger Mortgage Plus Trust Benchmark Report 30 September 2008 This Benchmark Report provides specific information in relation
More informationlmiadvantage Borrowers 2. Genuine Savings & Equity 3. Employment 4. Income 5. Servicing Capacity # 7. Security
Australia July 2011 CONTENTS lmiadvantage...3 1. Borrowers 2. Genuine Savings & Equity 3. Employment 4. Income 5. Servicing Capacity!" # 7. Security $ 8. Loan Types and Purposes with Maximum LVR lmiself
More informationSelf Managed Super Limited Recourse Borrowing
Self Managed Super Limited Recourse Borrowing "It's your retirement savings - don't you think it's time you took an active role in how it's invested! " Commercial Finance & Leasing Suite 12, 7-12 Mallett
More informationaccrued interest - interest that you have earned or incurred which is yet to be paid or charged to your account
accrued interest - interest that you have earned or incurred which is yet to be paid or charged to your account additional payments - extra loan repayments paid to the loan above the minimum repayment
More informationLimited recourse borrowing arrangements by self-managed super funds - questions an... Page 1 of 13
Limited recourse borrowing arrangements by self-managed super funds - questions an... Page 1 of 13 Limited recourse borrowing arrangements by self-managed super funds - questions and answers Scope and
More informationPriority Commercial Mortgage Application Summary & Checklist
Priority Commercial Mortgage Application Summary & Checklist Please fax together with completed application to 1800 352 922 Postal Address: GPO Box 4094 Sydney 2001 Attention: Priority Commercial Mortgages
More informationSelf Managed Super Funds. Information Booklet
Self Managed Super Funds Information Booklet Tips, Facts & Figures OUR MISSION STATEMENT Minimise Your Tax Maximise Your Wealth Build Your Business What is a SMSF? SMSF, or a Self Managed Super Fund, is
More informationMacquarie Business Banking Commercial Lending Guide. Banking solutions to help grow your client s business. macquarie.com/commercialbroker
Macquarie Business Banking Commercial Lending Guide Banking solutions to help grow your client s business 1 macquarie.com/commercialbroker Why choose Macquarie? With Macquarie s specialist understanding
More informationptws.com.au HOW TO USE YOUR SUPERANNUATION TO PURCHASE AN INVESTMENT PROPERTY
HOW TO USE YOUR SUPERANNUATION TO PURCHASE AN INVESTMENT PROPERTY This page has been left intentionally blank. PTWS office is located at 3 Albion Street, Harris Park NSW 2150 (PO Box 169 Parramatta, NSW
More informationLoan Variation Form Broker Summary and Declaration
Advantedge Financial Services Pty Ltd ACN: 130 012 930 Australian Credit Licence: 391202 Level 10, 101 Collins Street, Melbourne VIC 3000 Phone: 1300 543 558 Email: ACL@advantedge.com.au Loan Market Go
More informationInstalment Warrants & SMSFs: Regulatory Issues Checklist
Instalment Warrants & SMSFs: Regulatory Issues Checklist 29 January 2008 Introduction Recently interest has been ignited in the prospect of smsf trustees acquiring assets through usage of instalment arrangements.
More information(ensure Submission Checklist and Privacy Notice and Consent are completed with every request)
ChoiceLend Pty Ltd ABN 135 459 326 Level 10, 101 Collins Street, Melbourne VIC 3000 Phone: 1300 144 554 Fax: 1300 171 367 Email: mail@choicelend.com.au Web: www.choicelend.com.au CR: 392522 Loan Variation
More informationLENDING TO SELF MANAGED SUPERANNUATION FUNDS
LENDING TO SELF MANAGED SUPERANNUATION FUNDS Healthcare Capital Management Pty Ltd ACN 600 889 469, CRN 463688 PO BOX 516, Summer Hill NSW 2130 Email: info@healthcarecapital.com Lending to SMSF s Section
More informationLRBAs. Checklist: Don't miss the June deadline. acis.net.au
Checklist: LRBAs Don't miss the June 30 2016 deadline. The ATO has released two Interpretative Decisions (ATO ID 2015/27 and 2015/28) and seems to be taking a hard line when it comes to related party loans
More informationGood Morning Lara we are now offering rates from 4.54% - Alt Docs with Unlimited Cash Out BMM offers diverse lending solutions
Good Morning Lara we are now offering rates from 4.54% - Alt Docs with Unlimited Cash Out BMM offers diverse lending solutions Starting at 4.54% (Comp. 4.78%), BMM has a range of market leading Alt Docs
More informationHigh Yield Mortgage Trust Wholesale High Yield Mortgage Trust 11 March 2015
11 March 2015 High Yield Mortgage Trust Understanding the Trusts The Australian Securities and Investments Commission (ASIC) has issued a set of benchmarks and disclosure principles, contained in ASIC
More informationFact Sheet(s) on loans secured by 1st Mortgage(s)
Fact Sheet(s) on loans secured by 1st Mortgage(s).com.au is your intermediary with arrangements in place to provide you with loan offers from Australia's leading private lenders secured by new 1st Mortgages
More informationcommercial loan application form
commercial loan application form FAX TO: 1800 352 922 POST TO: GPO Box 4094 Sydney 2001 Attention: Priority Commercial Mortgages EMAIL TO: rmg.commercial@ingdirect.com.au Introducer Number : Borrower Name:
More informationCompany Incorporation Order Form
Credit Card Details Visa Master Card American Express * American Express cards will attract a 2.75% surcharge Name on card: Card Number: Expiry Date: Signature: $ www.corporateexpress.com.au ABN 35 115
More informationSMSF LOANS A GUIDE TO BORROWING
SMSF LOANS A GUIDE TO BORROWING INTRODUCTION - what is super borrowing? Super borrowing is a popular strategy used by many SMSF s If you run a self-managed superannuation fund, you can invest in a variety
More informationSMSF and Borrowing. Background. What can the Borrowing be used for? Superannuation
Superannuation Aon Hewitt Financial Education Series The main benefit of borrowing through your Self Managed Superannuation Fund (SMSF) is that an asset can be bought, which the SMSF could not otherwise
More informationClient Needs Analysis
Date: YOUR DETAILS: Client Needs Analysis Full name (Client 1): Full name (Client 2): If Company and/or Trust: Company/Trust name: ABN/ACN: Registered address: Business address (if different from above):
More informationHome loans. Terms and conditions booklet EFFECTIVE MAY 2016
Home loans Terms and conditions booklet EFFECTIVE MAY 2016 How to read the terms and conditions If you accept the Loan Offer and the Mortgage is signed, there will be two agreements as described below.
More informationSmartSuite Commercial Full Doc Application Form
SmartSuite Commercial Full Doc Application Form BROKER DETAILS [ BROKER USE ONLY] Applications are to be uploaded via docsend.adelaidebank.com.au From [Broker name]: [Broker s Assistant] If Applicable
More informationLRBAs Involving SMSFs 2 Key Components LRBA contract Custodian trust
LRBAs Involving SMSFs 2 Key Components There are 2 key components for a limited recourse borrowing arrangement (( LRBA ) that meets the requirements of sections 67A and 67B of the Superannuation Industry
More informationHomeloans FlexiChoice Product Features
Homeloans Narre Warren South is operated by Mark Laaksonen, Authorised Credit Representative (No. 391052) of Synergy Financial Services. Homeloans Limited ABN 55 095 034 003. Australian Credit License
More informationQBE Lenders Mortgage Insurance. LMI Guide Australia. September 2016 J6673
QBE Lenders Mortgage Insurance LMI Guide Australia September 2016 J6673 Contents 1. Introduction 3 2. Duty of Disclosure 4 3. Applying for lenders mortgage insurance 5 4. Borrowers & Guarantors 7 5. Deposit
More informationBorrowing Using Self Managed Superannuation Funds
Second Edition THE ACCOUNTANTS ESSENTIAL GUIDE Borrowing Using Self Managed Superannuation Funds Highlighting The Latest Legal, Tax and Wealth Creation Benefits Equiti and the Equiti Logo are protected
More informationAustralia. QBE Lenders Mortgage Insurance November Page 1 of 46
Australia QBE Lenders Mortgage Insurance November 2012 Page 1 of 46 CONTENTS 1 Introduction 3 2 Applying for lenders mortgage insurance 4 3 Duty of disclosure 6 4 Borrowers & Guarantors 7 5 Deposit & Equity
More informationMacquarie home loans. Terms and conditions booklet EFFECTIVE APRIL 2017
Macquarie home loans Terms and conditions booklet EFFECTIVE APRIL 2017 How to read the terms and conditions If you accept the Loan Offer and the Mortgage is signed, there will be two agreements as described
More informationClient Needs Analysis
Date: YOUR DETAILS: Client Needs Analysis Full name (Client 1): Full name (Client 2): If Company and/or Trust: Company/Trust name: ABN/ACN: Registered address: Business address (if different from above):
More informationUNION FIDELITY CAPITAL FUNDING PTY.LTD
UNION FIDELITY CAPITAL FUNDING PTY.LTD ABN: 55 073 023 926 BRISBANE: 1800 241 281 SYDNEY: 1300 30 2723 MELBOURNE: (03)9602 1066 Email: info@unionfidelity.com.au UFC APPLICATION FORM In confidence when
More informationNAB Covered Bond Trust - Monthly Investor Report
NAB Covered Bond Trust - Monthly Investor Report Monthly Covered Bond Report Date: 31 January 2013 Determination Date: 08 February 2013 Payment Date: 15 February 2013 Asset Coverage Test as at 31 January
More informationCONTINUOUS DISCLOSURE NOTICE
CONTINUOUS DISCLOSURE NOTICE 30 June 2018 Pooled Mortgage Managed Investment Scheme Direct Mortgage Managed Investment Scheme Understanding the Schemes The Australian Securities and Investments Commission
More informationResidential Lending Policy
Residential Lending Policy Updated: 3 October 2012 Firstmac Limited Telephone: 1800 651 898 +61 7 3017 8888 ACN 094 145 963 (AFSL / ACL 290600) Facsimile: (07) 3002 8400 GPO Box 7001 Riverside loans@firstmac.com.au
More informationAgenda. What is SMSF Limited Recourse Borrowing? Single Acquirable Asset/Replacement Asset. Repairs and Improvements. SMSF Borrowing Strategies
Borrowing and SMSFs Agenda What is SMSF Limited Recourse Borrowing? Single Acquirable Asset/Replacement Asset Repairs and Improvements SMSF Borrowing Strategies SMSF Borrowing Steps Alternatives to SMSF
More informationFURTHER ADVANCE APPLICATION FORM
FURTHER ADVANCE APPLICATION FM Please email loan documents to your State Broker Office NSW: nswbrokerscan@heritage.com.au SA & TAS: broker@heritage.com.au NT: qldbrokerscan@heritage.com.au VIC: vicbrokers@heritage.com.au
More informationClient Needs Analysis
Date: YOUR DETAILS: Client Needs Analysis Full name (Client 1): Full name (Client 2): If Company and/or Trust: Company/Trust name: ABN/ACN: Registered address: Business address (if different from above):
More informationMargin Lending Application
Margin Lending Application Suncorp Metway Limited ABN 66 010 831 722. AFSL 229882. If you have any questions please contact your Account Manager on 1800 805 972. Application Checklist Tick ( ) when complete
More informationLa Trobe Australian Mortgage Fund Product Disclosure Statement. Date: 11 December 2009
La Trobe Australian Mortgage Fund Product Disclosure Statement Date: 11 December 2009 Contents 1. Key Features of the Fund 02 2. Eight (8) Benchmarks 04 3. Investment Snapshot 06 4. Fund Portfolio Metrics
More informationABN AFSL INTRODUCER LENDING REFERENCE MANUAL COMMERCIAL LOANS V
ABN 92 087 651 974 AFSL 000 237 391 INTRODUCER LENDING REFERENCE MANUAL COMMERCIAL LOANS V13112012 NOTE: This document should be used as a guide ONLY. TABLE OF CONTENTS COMMERCIAL LOANS... 3 1.1 PRODUCTS...
More informationSMSF and borrowing. Background. What can the borrowing be used for? Superannuation
Superannuation Aon Hewitt Financial Education Series The main benefit of borrowing through your Self-Managed Super Fund (SMSF) is that an asset can be bought, which the SMSF could not otherwise afford
More informationChange Of Trustee - Discretionary Trust and Unit Trust
APPLICATION FORM Change Of Trustee - Discretionary Trust and Unit Trust Please read the following before completing the application form. Work we may perform for you We can assist with: 1. drafting documents
More informationLMI Guide Australia. QBE Lenders Mortgage Insurance. January 2019
LMI Guide Australia QBE Lenders Mortgage Insurance January 2019 Contents 1. Introduction 3 2. Duty of Disclosure 3 3. Applying for lenders mortgage insurance 4 4. Borrowers & Guarantors 6 5. Deposit &
More informationABN AFSL
ABN 92 087 651 974 AFSL 000 237 391 INTRODUCER LENDING REFERENCE MANUAL COMMERCIAL LOANS TABLE OF CONTENTS COMMERCIAL LOANS...3 1.1 PRODUCTS... 3 1.2 ACCEPTANCE CRITERIA... 3 1.3 LEGAL/SECURITY REQUIREMENTS...
More informationOnePath Mortgages and Income Plus funds
OnePath Mortgages and Income Plus funds Additional information 31 MAY 2011 In this document, the terms we and our refer to OnePath Funds Management Limited (OnePath Funds Management). This document contains
More informationHow to Borrow Without Sorrow. How to use your super fund to borrow money to purchase property and not fall foul of the rules
How to Borrow Without Sorrow How to use your super fund to borrow money to purchase property and not fall foul of the rules How to Borrow Without Sorrow 1. Can a Self Managed Superannuation Fund ( SMSF
More informationFebruary 18. Money Broker Lending Guide
1 Virgin February 18 Money Broker Lending Guide Important Information Information in this guide was prepared by Virgin Money (Australia) Pty Limited ABN 75 103 478 prospective borrowers or third parties
More informationSelf Managed Superannuation Funds
Reference Guide 22 September 2014 Self Managed Superannuation Funds This document is an information reference to be used in conjunction with your Statement of Advice, Product Disclosure Statement(s) (PDS)
More informationWhat types of products are evaluated for CANSTAR s First Home Buyer Award?
METHODOLOGY First Home Buyer Award July 2017 What is the CANSTAR First Home Buyer Award? CANSTAR s First Home Buyer Award uses a sophisticated and unique methodology and is awarded to financial institutions
More informationOnePath Mortgages and Income Plus funds. Additional information 25 FEBRUARY 2011
OnePath Mortgages and Income Plus funds Additional information 25 FEBRUARY 2011 In this document, the terms we and our refer to OnePath Funds Management Limited (OnePath Funds Management). This document
More informationAFG s latest Mortgage Index results released today shows that major structural change in the Australian lending landscape is continuing.
13 October 2017 Regulator activity begins to bite AFG s latest Mortgage Index results released today shows that major structural change in the Australian lending landscape is continuing. Today s results
More informationSESSION 2B LRBAs and issues with related party Loans. Daniel Butler, CTA DBA Lawyers
SESSION 2B LRBAs and issues with related party Loans Daniel Butler, CTA DBA Lawyers Overview 1. Background 2. Practical compliance guidelines (PCG ) 2016/5 3. Real property ( RP ) 4. Listed shares or units
More informationBulk LMI Data Template File Format Info & Requirements
Bulk LMI Data Template File Format Info & Requirements 07 October 2015 Document purpose This document provides an overview of the QBE Bulk LMI data template which is used to load data into our system for
More informationBackground Traditional discretionary trust Direct descendants trust Generational transfer trust Child maintenance trust...
Background... 1 Traditional discretionary trust... 1 Direct descendants trust... 1 Generational transfer trust... 2 Child maintenance trust... 2 Partitioned discretionary trust... 3 Negative gearing trust...
More information100% Offset Home Loan. 100% Offset Home Loan. Product Overview. Product Specifics
The is aimed at customers who want to be able to separately identify how much money they have and how much they owe, but at the same time get similar interest benefits that can be gained from all-in-one
More informationGUIDANCE NOTE - SMSFS & PROPERTY
GUIDANCE NOTE - SMSFS & PROPERTY GUIDANCE FOR CPA AUSTRALIA PUBLIC PRACTITIONERS FINANCIAL ADVISORY SERVICES The decision to establish a self-managed super fund (SMSF) requires careful consideration. While
More informationThe New Contribution Provisions Manoj Abichandani
The New Contribution Provisions Manoj Abichandani The New Contribution Provisions Effective from 1 st July 2017 The new superannuation contribution provisions will have a substantial impact on anyone who
More informationProperty Taxes & Tax Minimisation
STEP 1E 1 Property Taxes & Tax Minimisation The Australian Government is responsible for the collection of the majority of taxes applicable in a property transaction. The government bodies that do this,
More informationCompany (with Shares) Registration Order Form
P 1800 773 477 Name Firm Phone E-mail Company Details Preferred Company Name/s The only way to check whether the name is truly available is via a trade mark search (see attached form). Is this a registered
More informationCompany Incorporation Order Form Limited by Guarantee
Credit Card Details Visa Master Card American Express * American Express cards will attract a 2.75% surcharge Name on card: Card Number: Expiry Date: $843.00 Signature: www.corporateexpress.com.au ABN
More informationBuying Property in your Self Managed Super Fund
the ULTIMATE GUIDE to Buying Property in your Self Managed Super Fund 1 the ULTIMATE GUIDE to Buying Property in your Self Managed Super Fund Contents Chapters Is Property the Right Investment for your
More informationSelf Managed Super Funds
Self Managed Super Funds Nathan Lear and Glenn Fairbairn 1st March 2017 Agenda About Us / Our Services What is an SMSF Benefits of an SMSF Investment Opportunities within an SMSF When to establish an SMSF
More informationSMSF BORROWING BARE TRUST DOCUMENTATION
Order online to receive priority service at https://online.dbalawyers.com.au/login Level 1, 290 Coventry Street (PO Box 2085) South Melbourne Vic 3205 Ph: (03) 9092 9400 Fax: (03) 9092 9440 dba@dbalawyers.com.au
More informationOnePath Mortgage and Income Plus funds additional information
OnePath Mortgage and Income Plus funds additional information Effective 20 November 2012 (quarterly update) In this document, the terms we and our refer to OnePath Funds Management Limited (OnePath Funds
More informationING s mortgages and Income Plus funds. Additional information 28 MAY 2010
ING s mortgages and Income Plus funds Additional information 28 MAY 2010 In this document, the terms we and our refer to ING Funds Management Limited (ING Funds Management). This document contains important
More informationLEAD SHEETS FINANCIAL STATEMENTS
LEAD SHEETS FINANCIAL STATEMENTS Copy of draft unaudited financial statements NB: Please ensure the footnotes refer to The Notes to the Financial Statements and do not mention the compilation report or
More information12 Months Interest Free Loan Information
Rewards Group Premium Timber Project 2009 FINANCE INFORMATION Rewards Projects Ltd is offering to approved applicants, a range of competitive finance packages for investors in the Rewards Group Premium
More informationANZ Residential Covered Bond Trust - Monthly Investor Report
Residential Covered Bond Trust - Monthly Investor Report Collection Period End Date: 30 September 2013 Determination Date: 18 October 2013 Trust Payment Date: 22 October 2013 Date of Report: 22 October
More informationDiscovery Investment Services Core Income Fund Wholesale Units
Discovery Investment Services Core Income Fund Wholesale Units ARSN 122 452 457 Product disclosure statement 11 December 2006 IMPORTANT INFORMATION The Discovery Investment Services Core Income Fund Wholesale
More informationApplication for SMSF Complying Loan & Custodian Trust Documentation Self Funded Property Loans
Suite 2, Level 2 / 22 Albert Road South Melbourne Victoria 3205 Phone 1300 776 394 / Fax 03 8256 0108 www.superregistry.com.au Application for SMSF Complying Loan & Custodian Trust Documentation Self Funded
More informationTAX RETURN CHECKLIST : SMSF. Is your tax return required urgently? If yes, please contact your Client Manager (express fees may apply).
2017-2018 TAX RETURN CHECKLIST : SMSF For year ended 30th June 2018 IMPORTANT NOTE WORKFLOW MANAGEMENT Your Tax Returns are not due for lodgement until 15 March 2019, please advise: Is your tax return
More informationPage 2. Page 3 Page 3 Page 4 Page 5 Page 6 Page 7 Page 8 Page 9 Page 10 Page 11 Page 12 Page 13 Page 14. Page 15 Page 16 Page 17 Page 18 Page 19
Updated 30/10/2017 Please click through to find out more about our product range Why Nationalcorp Home Loans? Standard Products High LVR 95% LVR + fully capped LMI (to 99.9%) Non-genuine savings Construction
More informationLOAN APPLICATION FIRST MORTGAGE LENDING + INVESTMENT ACN ABN ARSN AFS Licence No
FIRST MORTGAGE LENDING + INVESTMENT LOAN APPLICATION RMBL Investments Limited PO BOX 93 Dandenong VIC 3175 Level 5, 225 Lonsdale Street Dandenong VIC 3175 DX 17520 Dandenong rmbl.com.au ACN 004 493 789
More informationCompleting the Auditor/actuary contravention report
Instructions for SMSF auditors and actuaries Completing the Auditor/actuary contravention report These instructions provide information about the reporting criteria and include examples to help you complete
More informationApplication for SMSF Complying Custodian Trust Documentation (for bank lender Property Loans)
Suite 2, Level 2 / 22 Albert Road South Melbourne Victoria 3205 Phone 1300 776 394 / Fax 03 8256 0108 www.superregistry.com.au Application for SMSF Complying Custodian Trust Documentation (for bank lender
More informationProvident Capital Monthly Income Fund
Contents Fund particulars... 2 Statement of comprehensive income... 3 Statement of financial position... 4 Statement of changes in equity... 5 Statement of cash flows... 6 Notes to the financial statements...
More informationTax Time Monthly NOVEMBER ISSUE INCOME TAX... pg 3. 2 STATE TAXES... pg Small business reduction in tax rate brought forward now law
Tax Time Monthly NOVEMBER ISSUE 2018 1 INCOME TAX... pg 3 1.1 Small business reduction in tax rate brought forward now law 1.2 Treasury releases long-awaited consultation paper to amend operation of Division
More informationPAPSON LEGAL SMSF BORROWING DOCUMENTATION
PO Box 1147, Armadale North, Victoria 3143 p: (03) 9078 4430 m: 0403 290 977 e: legal@papsonlegal.com.au www.papsonlegal.com.au PAPSON LEGAL SMSF BORROWING DOCUMENTATION Use this form to order SMSF Borrowing
More informationNAB. Super Lever. Product Disclosure Statement 25 May 2012
NAB Super Lever Product Disclosure Statement 25 May 2012 1 Issued by National Australia Bank Limited ABN 12 004 044 937 AFSL and Australian Credit Licence 230686 Contents This Product Disclosure Statement
More information