Non Bank Lender for your home mortgage loan.

Mortgage Broker - SYDNEY MORTGAGE PLUS PTY. LTD.

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Mortgage Broker Tailored Loans

MORTGAGE BROKERS ... with tailor made finance...made easy ...from a major wholesale lender...a subsidiary of Australia's biggest institution. Now you can get us to design a product that suites you.

Our loans are tailor made to provide you with all the options you require at an interest rate that is one of the most competitive in the market. The loan is available for any worthwhile purpose and the same low rate is available for both owner occupier and residential investment borrowers.

The interest rate may be low,however your loan comes with all the features you would expect. • Interest only options. You may nominate an initial interest only periosd of between 1 to 5 years.

• Fixed Interest Rate Option. You may fix the interest rate on your loan or
on a portion of your loan for periods of between 1 to 5 years either at inception or at any time during the
course of the loan. Fixing the interest rate for a period protects you against
possible future increases during that period.

• Loan Portability, Change your property but retain your loan.

• 24 hour telephone access. • Internet access. • Line of Credit & cheque book.

• Direct salary crediting. Electronic crediting of salary, wages, rental income
and dividends is allowable at no extra cost.

• Free redraw facility.

Additional payments made to your loan over and above the normal loan repayment, may be redrawn at any time in the future at no cost, if arranged by telephone access or by the internet.
Home Loans

• Ability to increase regular loan instalments at any time. Reduce your interest payable

Make additional lump sum payments anytime during the life of the loan with full 100 % offset. Any additional payments made to your loan account will be fully offset against the loan principal thereby reducing the interest payable on your loan.

• Ability to increase your loan amount in the future. Use the equity you have built in the property for any worthwhile purpose, such as an investment property or perhaps shares.

• Periodic Payments. Can be put in place against a redraw or Line of Credit to cover regular commitments

• If you are a self-employed borrower, and you are finding it difficult to substantiate your current level of earnings to support your loan application as a mortgage broker we may assist you with our low doc loan.

Disclaimer

Frequently asked questions.

The Mortgage Lender is not a bank, how safe is my home loan?

Very. Although we are not a bank, our home loan programme is funded in exactly the same way as a bank by way of the capital markets. To ensure your interests are protected at all times your loan will be authorised by Permanent Trustee Company. The securities that are issued in the capital markets are rated 'AAA' (the same rating given to the Australian Government) by the world's leading ratings agency.

I am refinancing my home loan or purchasing a new property, can I consolidate any other financial commitments that I may have?

Yes. Providing you meet our lending guidelines, you can refinance personal loans, credit cards and any other mortgages that you may have at the same time.

How much can I borrow and over how long?

The amount you may borrow is limited by the amount you can afford to repay. This is usually between 35% to 40% of your gross income although a more accurate guide can be obtained by calling one of our loan consultants. The amount you may borrow is further limited by the value of your residential property. As a general guide you can borrow up to 95% of its value to $300,000, 90% to $500,000 and 70% to $1 million. You may nominate a loan term from 15 to 30 years.

Are there restrictions with regard to the purpose of my loan?

Loans are available to assist with the purchase or refinance of a residence, the refinance of debt or to provide funds for other worthwhile purposes such as the purchase of a motor vehicle, purchase of shares or other investments and for weddings, education fees and holidays. In short any worthwhile purpose.

What type of security is acceptable?

You will need to provide a mortgage over residential property, such as a house, townhouse, home unit, flat, apartment or villa. The property may be owner occupied or investment.