Your Investor Advantage Loan Package can include any of the following:

• A Home Loan
• 100% Offset Savings Account
• One or more Investment Loans
• One or more Investment Lines of Credit
• An Investment Visa Card

Check out these great benefits!

1. The 100% Offset Savings account attaches to your Home Loan Account. You can salary credit and/or put rent and other savings into the offset savings account. You pay less interest because interest is calculated daily on the outstanding loan balance less the offset savings account balance. As a result…the interest component of your home loan monthly repayment reduces and the principal component correspondingly increases so you pay down your non-deductible home loan debt faster.

2. This offset account is unique because other Offset Accounts are available only with variable rate loans. This Offset Account is available with both variable and fixed rate home loans. If you are concerned about rising interest rates you can fix your rate, sleep easy at night and still enjoy the benefits of the 100% Offset Account. Of course, bill payments can be made electronically from the Offset Account which is convenient, quick and easy – you avoid hassles and save time.

3. The investment line of credit (LOC), together with the investment term loan allows you to borrow 100% of the purchase price of an investment + the acquisition costs. This maximises your negative gearing benefits and allows you to apply personal savings (that might otherwise have been used for a deposit and/or costs on the investment purchase) as an additional payment to your home loan so that you pay down your personal home loan debt faster.

4. The investment LOC gives you immediate access to funds providing you with a buffer to cover unexpected vacancies or costs (e.g. property maintenance or margin calls) so there is no strain on your cash flow.

5. The capitalising feature of the investment LOC means no interest payment is required on the LOC (provided it does not exceed the credit limit). This puts additional money in your pocket which you can save for personal use. You enjoy a cash flow benefit which if used wisely can help you build wealth faster.

6. Having an investment LOC in place means you no longer have to subsidise your investment costs with personal income. Instead you draw down on your investment line of credit. You can use your personal income to take a holiday and / or if you are in wealth building mode pay down your personal non-deductible loans - the holiday refreshes and you reduce burdensome personal debt.

7. An investment visa card for up to $20,000 is an added bonus. It includes a 55 day interest free period on purchases and the interest charged is at the same low rate as the line of credit. A further buffer for investment expenses but more importantly you can say goodbye to the pain of 18% + credit card interest and save yourself money.

• You will be dealing with a well-established ASIC licensed company with a great reputation
• You will receive detailed credit advice from people who have extensive knowledge and expertise in the investment loan area.
• Experience the difference – enjoy real personal service