Advanced Finance Group | Business consultant

Advanced Finance Group

Phone: +61 497 432 090

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20.01.2022 STICKY NOTE 3 | 100% Lending for Medical, Dental & Vets To all medical, dental or veterinary clients out there looking to secure the location of your practice, then we can help make purchasing the property as easy as it is possible for you. One of our lenders allow commercial property loans to doctors, dentists and vets to borrow up to 100% of the purchase price of your practice premises, with no Lender’s Mortgage Insurance. Plus, for a limited time, waiving the establishment... fee as well as legal fees (up to the value of $1,700) when a commercial property purchase is financed with my lender. Commercial property loans also offer you the ability to: Choose a flexible loan structure and repayment terms to suit their cash flow needs Benefit from competitive fixed or variable interest rate options Structure to your advantage through a self-managed super fund, partnership, company or trust entity. If you have the opportunity to purchase a commercial property for your practice, be sure to talk to us. We can assist you through the process, and ensure that you make the most of your purchase. Get in touch with us today! André 0497 432 090 [email protected] www.advancedfinancegroup.com.au

18.01.2022 STICKY NOTE 2 | Combo Offer for Owner Occupied & Investment Hot off the press. One of the lenders on my panel offers the following Bundle Offer Campaign and $3 000 Refinance Cash Back. SLA... 2 x Business Days file pick up for PAYG 2-3 x Business Days file pick up for Self Employed Basic structure (non-complex) SALIENT FEATURES Submit application for Owner Occupied Principle & Interest and Investment Interest Only at the same time and receive 0.15% further discount only off the Investment Interest Only Variable Rate Effective 23rd February 2021, eligible customers will receive a 0.15% discount off the advertised rates of Investment Variable Interest Only loans, provided they also apply for and settle an Owner Occupied Principal and Interest loan subject to the conditions outline below. Applications received between 23rd February 2021 and 28th May 2021 (inclusive) and must Settle by 27th August 2021. 0.15% discount off the advertised rates of Investment Variable Interest Only loans. 0.15% discount only applies to the initial Interest Only term for Investment Variable Interest Only loans. 0.15% additional discount does not apply to the revert rates of Investment Variable Interest Only loans. Must apply for and settle both Investment Variable Interest Only loan(s) and Owner Occupied Principal and Interest loan(s) between 23rd February 2021 and 28th May 2021. For NEW borrowings only $3 000 refinance Cash Back extended. New dates & Conditions apply. For New Owner Occupied or Investment refinance business with a Minimum $300K+ in aggregate debt, @ 80% LVR Extending the current $3,000 refinance cashback for applications submitted from 27th February 2021 to 28th May 2021 (inclusive) and Settle by 27th August 2021. All other eligibility criteria will remain unchanged. Paid within 60 Days into VMA Offset Account Only one Payment. Not per Security. Get in touch with me: Website www.advancedfinancegroup.com.au Email [email protected] Thank You André

14.01.2022 LENDER PANEL UPDATE PANEL Last week we shared that our lender panel has reached a total of 10 lenders, allowing Australians better choice and that we were in the process of adding more lenders to our panel. ... We are pleased to announce that with the addition of a further 10 lender accreditations, we have just surpassed 20 lenders, and there are a few more to be added in the coming days. We will also share some of the special offers published by our lenders. So look out for the "Sticky Notes" on this site. With the accelerated drop in interest rates and increased competition amongst lenders, isn't it time for you to reach out and have your home or business loans reviewed? Lenders most often do not reach out to you to offer you lower rates on existing products. The ball is in your court to reach out to them or, even better, through Advanced Finance Group, where you are spoilt for choice. While doing that, let's have a look what is out there across our lender panel to find you the most suitable product to fit your circumstances. Get in touch. André 0497 432 090 [email protected] Check out or get in touch through: www.advancedfinancegroup.com.au

14.01.2022 STICKY NOTE 5 | HOME LOANS & Self-Employment - First 2 Years Many people are taking the bold move to start their own businesses. This poses limitless opportunities, but also has its own challenges and particularly so in the first 2 years. Under the normal home loan application process, you would need 2 years of financial history under your ABN. Imagine you want to buy a home within the first 2 years of starting your own business...... One of the lenders on my panel has just announced their "Dual Application" process. Where you apply for a home loan as well as a commercial facility in your new business, e.g. an overdraft or a working capital facility, this will qualify as a dual application. It is a very streamlined process that is handled by a commercially minded assessor, looking at the serviceability of both the business and the home loans. Under the Dual Application offer, the 2 year ABN history is not a requirement and cash flow forecasts can be used to demonstrate servicing. How good is that...?! The same lender has also just announced a fantastic offer on commercial facilities, supported by commercial property. Get in touch with me for a conversation and more information. Kind Regards André +61 (0) 497 432 090 [email protected] www.advancedfinancegroup.com.au

14.01.2022 STICKY NOTE 8 | HOME LOANS - Teamwork I had a great experience last week when I was approached by a client of mine, requiring assistance with securing finance on a $700,000 property they were making an offer on. The vendor was already committed elsewhere, and time was of the essence. The standard application timelines were not going to cut the deal. In Australia, home loans (and all other personal loans) are regulated under the National Consumer Credit Protection Act 2009 (NC...CP Act). This requires a fair amount of compliance. There is a further Best Interest Duty on me to ensure I always act in your, the consumer’s, best interest. There was no time to be wasted I managed to offer the client product options from 8 different lenders on my panel and my client selected the product that best suited their requirements and circumstances. That specific lender then committed to a 3-day process for approval, provided everything stacked up. Tick! My client was phenomenal in promptly supplying the required documentation, answering questions, and signing compliance documentation. What a pleasure working with clients like these...!? Tick! We managed to submit the application in the shortest possible time, allowing a buffer for meeting the finance condition. Teamwork between lender, client, and me, as your finance assistance can make the difference in you realizing your dreams. So what did the client say? "Greatly appreciate all of your help! Andre has made the process very easy." - Jody QLD Get in touch with me for a conversation and more information. Kind Regards André +61 (0) 497 432 090 [email protected] www.advancedfinancegroup.com.au

13.01.2022 STICKY NOTE 9 | CORPORATE ADVISORY We don’t know what we don’t know I saw a video on LinkedIn today of a subway stand-up comedian, pretending to stop an incoming train for those last 3 seconds before it stops. He then applies chalk dust to his hands, like a weightlifter and pretends to push the train forward again as it is about to leave. The motto of the video refers to consultants claiming credit for the changes they made to businesses. I thought this is brilliant beca...use it is so true. https://www.youtube.com/watch?v=es0nPjLNsi0 It is only management who can change the direction of a business. Whether that management has the insight and sound judgement to surround themselves with knowledgeable and experienced advisors, could make all the difference. We don’t know what we don’t know, and it is here where people, who have the right insights and experience could add to the knowledge base of a management team or a company board. About two months ago, I was approached by a client who I assisted before with financial advisory work, to join their board. The composition of the board has been unchanged for decades, recycling the same knowledge and experience base over and over again, with similar results. At the first meeting it was apparent that there was a glaringly obvious lack of the insights, knowledge and focus, with fundamental judgement errors being made, leading to incorrect strategic decisions. I must commend management tor making the move to bring in independent perspectives. It is the first step on a renovation journey and should deliver results where management decide to keep the focus and momentum. I have assisted the management teams of several companies across a wide range of industries to form a solid commercial understanding of their businesses, understanding the value drivers and equipping management with the right knowledge and thought processes to be able to move the train forward. Get in touch with me for a conversation and more information. Kind Regards André +61 (0) 497 432 090 [email protected] www.advancedfinancegroup.com.au

12.01.2022 We are in the process to build our panel of lenders and over the coming week, we will be vastly expanding our lender panel. Advanced Finance Group clients will have access to a wide range of product offerings and rates to choose from. Get in touch today for finance or considering refinancing your home of commercial loans.... Contact me on 0497 432 090 or visit www.advancedfinancegroup.com.au André

09.01.2022 STICKY NOTE 1 One of the lenders on my growing panel, is offering extremely favourable rates. I summarise a handful of bullet points for you to keep it simple: 2.39% Principle & Interest (Up to 80% LVR) ... Optional 100% Offset Home Loan Variable 1.99% 2 Year Fixed Term Loan Principle & Interest (Up to 80% LVR) RATE SPECIALS Rate Specials for Owner Occupied Loans for both the Fixed and Standard Variable Rates. OTHER OFFERS In addition to these and on offer Service Level Agreement of 2 Days 2.39% Owner Occupied Variable P&I up to 80% LVR with Offset. 1.99% 2 Years Fixed Investment Variable P&I up to 80% LVR with 100% Offset 2.79% Investment Variable P&I up to 80% LVR with Offset 2.99% Investment Variable IO up to 80% LVR with Offset $0 Annual or Monthly Fees (unless customer opts for an for Offset Facility) Fully assessed Pre-Approvals Dependant contractors and applicants employed by family treated under PAYG policy. Bridging Loans Peak Debt offered at standard 80% LVR Rates. Company debts are viewed as serviced by the company and do not need to be included into servicing. Vacant land accepted as sole security. No need to sub-divide or have intentions to build. Partner visas accepted as long as one applicant is Aus. or NZ Citizen or Permanent Resident Funders on panel are currently at 1-3 days to assess applications! Get in touch with me: Website www.advancedfinancegroup.com.au Email [email protected] Thank You André

06.01.2022 STICKY NOTE 6 | HOME LOANS - So, what do our clients say...? Peter From QLD Andre’s support throughout the process of finding and purchasing our home was incredible. He maintained regular contact and showed genuine interest in our needs and preferences.... He presented several great options for home loans, covering all the features we wanted, and pre-approval was granted very quickly. On this alone, Andre was already among the best I have encountered in his field; but it was the extra level of service that really made him stand out. Andre has a strong relationship with several real estate agents who he sent details of our preferences for a home. This led to a series of targeted homes being presented to us, including new listings before open homes. I would not hesitate to recommend Andre. The sooner you contact him, the more benefit you will receive from his services. Get in touch with us for a conversation and more information. Kind Regards André +61 (0) 497 432 090 [email protected] www.advancedfinancegroup.com.au

05.01.2022 STICKY NOTE 7 | Medical & Commercial Irrespective of career, we are all in it for the same reason for most of it, i.e.: creating wealth. It is often regarded a bonus when you also enjoy what you're doing. The ideal career, as we all know, is where you "jump out of bed" in the morning.... Our common denominator is wealth creation and where you set that bar for where you aim to, is entirely a personal decision. And having lots of fun along the way! All of this comes down to the commercials. I am of the view that basic business acumen should be a mandatory life skill and mandatory school subject, almost like learning to swim and be water safe. Imagine how the best and highest earning careers in the world can come to nothing as a result of the lack of business skills. Similarly, a much lessor earning career with solid business acumen, can make a huge difference. How many doctors and specialists actually know what the value drivers of their practices are? What is your economic engine? How does your fee structure stack up? Do you actually know the commercials around the types of services and categories of patients you see and the mix of these? How does your fixed overheads contribute to your capacity and do you capitalize on that..? Do you own or rent your premises? (Refer to my Sticky Note 3) Is it not worth your while to get in touch for a coffee conversation about your personal wealth aspirations and how your career and practice as vehicles to realize your personal aspirations can be optimized to assist you achieving that!? Get in touch with me for a conversation and more information. Kind Regards André +61 (0) 497 432 090 [email protected] www.advancedfinancegroup.com.au

04.01.2022 STICKY NOTE 2 Hot off the press. One of the lenders on my panel offers the following Bundle Offer Campaign and $3 000 Refinance Cash Back. SLA... 2 x Business Days file pick up for PAYG 2-3 x Business Days file pick up for Self Employed Basic structure (non-complex) SALIENT FEATURES Submit application for Owner Occupied Principle & Interest and Investment Interest Only at the same time and receive 0.15% further discount only off the Investment Interest Only Variable Rate Effective 23rd February 2021, eligible customers will receive a 0.15% discount off the advertised rates of Investment Variable Interest Only loans, provided they also apply for and settle an Owner Occupied Principal and Interest loan subject to the conditions outline below. Applications received between 23rd February 2021 and 28th May 2021 (inclusive) and must Settle by 27th August 2021. 0.15% discount off the advertised rates of Investment Variable Interest Only loans. 0.15% discount only applies to the initial Interest Only term for Investment Variable Interest Only loans. 0.15% additional discount does not apply to the revert rates of Investment Variable Interest Only loans. Must apply for and settle both Investment Variable Interest Only loan(s) and Owner Occupied Principal and Interest loan(s) between 23rd February 2021 and 28th May 2021. For NEW borrowings only $3 000 refinance Cash Back extended. New dates & Conditions apply. For New Owner Occupied or Investment refinance business with a Minimum $300K+ in aggregate debt, @ 80% LVR Extending the current $3,000 refinance cashback for applications submitted from 27th February 2021 to 28th May 2021 (inclusive) and Settle by 27th August 2021. All other eligibility criteria will remain unchanged. Paid within 60 Days into VMA Offset Account Only one Payment. Not per Security. Get in touch with me: Website www.advancedfinancegroup.com.au Email [email protected] Thank You André

03.01.2022 STICKY NOTE 1 | Rock Bottom Rate Offer One of the lenders on my growing panel, is offering extremely favorable rates. I summarize a handful of bullet points for you to keep it simple: 2.39%... Principle & Interest (Up to 80% LVR) Optional 100% Offset Home Loan Variable 1.99% 2 Year Fixed Term Loan Principle & Interest (Up to 80% LVR) RATE SPECIALS Rate Specials for Owner Occupied Loans for both the Fixed and Standard Variable Rates. OTHER OFFERS In addition to these and on offer Service Level Agreement of 2 Days 2.39% Owner Occupied Variable P&I up to 80% LVR with Offset. 1.99% 2 Years Fixed Investment Variable P&I up to 80% LVR with 100% Offset 2.79% Investment Variable P&I up to 80% LVR with Offset 2.99% Investment Variable IO up to 80% LVR with Offset $0 Annual or Monthly Fees (unless customer opts for an for Offset Facility) Fully assessed Pre-Approvals Dependent contractors and applicants employed by family treated under PAYG policy. Bridging Loans Peak Debt offered at standard 80% LVR Rates. Company debts are viewed as serviced by the company and do not need to be included into servicing. Vacant land accepted as sole security. No need to sub-divide or have intentions to build. Partner visas accepted as long as one applicant is Aus. or NZ Citizen or Permanent Resident Funders on panel are currently at 1-3 days to assess applications! Get in touch with me: Website www.advancedfinancegroup.com.au Email [email protected] Thank You André

03.01.2022 MORE CHOICE! In our effort to offer Australians more, and better choice, we are building an extensive lender panel from who's products, rates and services we can offer you products that best suit your circumstances. This panel will further expand over coming days as we have another 17 lenders in the pipeline, being brought onto our panel.... Your choice is not limited to the major lenders, but our panel also offer second tier lenders, offering you choice to suit your unique circumstances. The panel includes both residential as well as commercial lenders, enabling us to assist you from your home finance, that first home, renovations, expansions and upgrades to your business requirements, where you might plan to buy that office building, warehouse or production plant. Are you looking to replace that vehicle fleet or needing a new piece of gear for delivering on a project? Look no further. Get in touch with me. André 0497 432 090 [email protected] Check out or get in touch through: www.advancedfinancegroup.com.au

03.01.2022 STICKY NOTE 4 | Mergers & Acquisitions Over the past month, we have been inundated with calls for finance assistance with business acquisition opportunities. These range from expansions through acquisitions to management buyouts. There is an optimism and business confidence being detected and the opportunities are out there, across a wide range of industries.... Coming out of Covid-19 also offer huge opportunities for businesses looking for expansion. Following more than a year of muted results being recorded during the Covid-19, this creates acquisition opportunities for businesses looking for growth. These muted results play in favor of businesses looking to acquire. One of the methods mostly used during business valuations, is that of sustainable performance. Where results have been down for 2020/1 and government assistance would be regarded as once off (not sustainable) and therefore be eliminated from business results, it discounts the business value and creates opportunities for acquiring businesses. We have assisted a number of clients with this over recent months where the discount effect and hence the opportunity, is substantial. A number of these deals are cash flow funded, where the solid performance of the new combined business adequately supports the acquisition serviceability. This, coupled with record low interest rates, have created growth opportunities we have not seen in recently years. Get in touch with me for a conversation. Kind Regards André +61 (0) 497 432 090 [email protected] www.advancedfinancegroup.com.au

01.01.2022 LENDER PANEL UPDATE PANEL Further to our previous post to offer Australians more, and better choice with an extensive lender panel, we have just reached 10 accreditations with the addition of NAB and ING over the past 2 days. There are more to be added in the coming days.... Given the current record low interest rates, isn't it time for you to reach out and have your home or business loans reviewed? You might want to consolidate a couple of loans into one at much lower rates. We have a lender on our panel offering 4 year fixed interest rates at 1.99%...! LMI The Covid-19 pandemic of the past year also had many upsides. It moved many Australians to consolidate their financial affairs, enabled time to strategize and plan. These might include upgrading, refinancing or acquiring that dream investment property. Most lenders have a LVR (Loan to Value Ratio) conditions of around 80% for owner occupied property. In the event where you borrow more than 80% of the value of the property, lender require you to take out LMI (Lender Mortgage Insurance) protecting both you and the lender against market fluctuations as well as potential defaults. We have a lender on our panel that has waived that LMI to 22 February 2021. This is unheard of! (Conditions apply) If you have not checked in to your lender to have your mortgage interest rates reviewed or considered consolidating your debts (home loans, personal loans, credit cards, motor vehicles) into one more affordable loan product, isn't it time you had your loan(s) reviewed? NO COST Australians are often under the wrong impression that reaching out to a broker will cost them. Brokers might choose to charge a fee for their services that will be negotiated with the client, but in most instances, especially in residential lending, there is no cost to the borrower. Mortgage brokers are rewarded by the lender at no cost to the borrower. It further does not affect the interest rates or fees the borrower is charged. What better reason for you to reach out to assistance where you have access to a panel of lenders where you can find the product best suited for your unique circumstances...?! Get in touch with me. André 0497 432 090 [email protected] Check out or get in touch through: www.advancedfinancegroup.com.au

01.01.2022 STICKY NOTE 10 | A GREAT STORY Gip’s Restaurant https://www.gipsrestaurant.com.au/ Gip’s restaurant is located in one of Toowoomba’s most historical buildings, Clifford House, in what used to be the grand old home’s Billiard Room and named after the much-loved pet dog of the historical owner, James Taylor. A rock commemorating Gip’s passing can still be found in the grounds today.... Craig Edser started in Gip’s kitchen on 31st October 1999 as a chef and was instrumental in building the restaurant to the prominent icon it is today, recognized both in Toowoomba and further afield, earning 4-to-5-star ratings. The restaurant offers casual café-style lunch and dinner with an a la carte menu featuring modern Australian cuisine. It is a renowned wedding, corporate and special events venue within the peaceful and quiet setting and beautiful garden surrounds. Gip’s offers casual yet sophisticated dining both in the garden courtyard and in the interior of the restaurant. Today, 21 years later, I was honored to work with and assist head chef, Craig, securing the necessary finance to become co-owner of Gip’s restaurant, effective 1st July 2021. Craig has some great plans for his business. Craig, congratulations! Kind Regards PS. Get in touch with Advanced Finance Group. André +61 (0) 497 432 090 [email protected] www.advancedfinancegroup.com.au