Whether you wish to purchase an established home, investment property or intending to construct your dream home.

What would an extra amount in savings mean for you each week?

​Are you in the market looking to purchase an established home or intending to construct the home you've always wanted? I can help you achieve your home goals by asking relevant questions to determine your plans and intentions.

Perhaps you are a first home buyer and need the right guidance and suggestions to help finding and funding your first home? Will gladly help you as I understand the huge investment and step that you're taking. The most sensitive debt one could ever decide to take - the home loan.

Or are you thinking: "Am I with the right home lender at this moment?"

Often people are with their existing home loan lender for many years and don't have the time to review it. You may not realize that it may actually be costing you more in extra interest and repayments monthly. Do you know how much it's costing you? 

It only takes a few minutes to get a "home loan health check” completed - one that could save you a lot of money. It is easy to refinance and the benefit of saving in interest will go a long way (less interest charged, time saved in paying off your loan - even years!). There are a few strategies that one could use to maximize the structure of a home loan where it works to your advantage. I would be glad to show you how.

Have you considered using the equity in your home and using that equity to purchase an additional investment property, thereby saving on tax and increasing your property portfolio? Easy to see if you qualify. 

If you’re exploring the idea of running your own business, step into the commercial side of things, or after short term funds to manage cash flow.

We can discuss your scenario and needs, what you are intending to do, the purpose of the funds, and we will do our best to help you find a solution.
It's that simple. 

• You may be eligible to borrow up to $100k with no security required.

• If your business has a turnover of more than $6,000 per month and are able to demonstrate 6 months of trading for a new business or 3 months if you’ve purchased an existing business, let us know.

• We are accredited with some of the most trusted brands in the commercial space, so you will be looked after and peace of mind knowing that you are dealing with a known and trusted brand.

Minimize your risk with some smart planning for potential “rainy days” that will leave you & your property well protected.

How to keep your home (even if you lose your health, or your job):

As your finance consultant, it's my responsibility to not only help you find the right loan, but also to help make sure you're able to service it. This is because everyday life events can and do impact a person's ability to make their repayments.

For instance, do you know how you or your family would meet your repayments if you suffered a serious injury, illness, or even death? What about if you lost your job? Nobody likes to think about it.

Unfortunately, 60% of Australians believe they'd need to sell an asset within three months of losing their income (1). So it's something that can't be ignored. The good news is we may be able to help.

Loan Protection Plan – a simple solution: A Loan Protection Plan is an insurance product that may provide affordable protection for you and your family. It's designed specifically for home and property buyers and it's available through our partner, ALI Group.

Broader cover:
What's so good about the ALI Loan Protection Plan is that it covers you for 11 serious illnesses (something most super insurance don't offer), involuntary unemployment for the first 5 years, as well as death and terminal illness. You don't need a medical to get the cover either.

Most importantly: In the event of a payout, the money is paid to you, not your lender.

The benefits are all yours
This means unlike most other insurance cover, you get to choose how the money's spent. It doesn't have to go on the mortgage if you think you'd rather spend it somewhere else – for instance on urgent medical expenses. Even a holiday. It's your call.

Borrow confidently
Covering yourself and your family with mortgage protection is easy and quick. Ask us about mortgage protection when discussing your loan requirements.

Who are ALI Group?

Established in 2003, ALI Group is a specialist risk insurance business committed to ensuring people just like you are provided with convenient and timely access to affordable loan protection. 

ALI Group delivers quality products that are easy to understand, obtain and claim upon, by means of a simple offer process that allows you to make an informed decision on your need for protection.

ALI Group’s Customer Service Centre is there to help answer any questions or requests regarding your policy. Their in-house claims team will assist you through all stages of the claims process should you need to make a claim.

If you would like more information about ALI Group or to see how ALI has assisted more Australians when they really needed it go to www.aligroup.com.au.
 
Important information
This information has been prepared by Australian Life Insurance Distribution Pty Limited (ABN 31 1031 57811) which holds an Australian Financial Services License (AFSL 226 403). Your loan consultant is acting as an authorised representative of the licensee in offering to arrange for you to obtain cover.
Loan Protection Plan is issued by Hannover Life Re of Australasia Ltd ABN 37 062 395 484 (Death, Terminal Illness, Living and Accidental Injury Benefits) and QBE Insurance (Australia) Limited ABN 78 003 191 035, (AFSL 239545) (Involuntary Unemployment Benefit). ALI receives commission and your loan consultant may receive commission for each policy sold. Please refer to the FSG available from your loan consultant for more information about our remuneration. Any advice provided is of a general nature only and does not take into consideration your objectives, financial situation or needs. You should consider the Product Disclosure Statement (available at www.aligroup.com.au) when deciding if this product is appropriate for you.
 Sources:  1 Zurich (Feb 2014). Research whitepaper: Australians and life insurance: misinformed, misinsured?