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SME Financial Services

Phone: +61 1300 340 060

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25.01.2022 The general consensus among economists is that the next move in official interest rates will be upward, with some predicting a rise by the fourth quarter of this year. Will rates rise - its inevitable, but when? So what does that mean for you, your family and your friends? 1) Lower rates mean greater borrowing power 2) Greater borrowing power means better buying power 3) Opportunity to review your existing and future borrowing arrangements... 4) Opportunity to set fixed rates whilst rates are low (increased rates = increased payments) 5) Fixed rates rise exponentially outside of and beyond variable rate movements 6) With interest rates timing is all about before rates rise; not when they start to rise For a FREE assessment of your current or existing borrowings print this linked document, complete and send to us http://buff.ly/1iL7ptg on receipt we will assess and then call you. OR call us on 1300 340 060 or email to [email protected]

23.01.2022 What are the "need to know" finance basics you should master? They're right here! http://buff.ly/QoT7aG

22.01.2022 What's your true meaning of wealth? Have a safe and enjoyable Easter.

22.01.2022 This is important for everyone - Is it time to have a discussion with us about 'Protected' Super and Pensions? Last week global research revealed economists were tipping a 10% chance of a global recession due the Crimean conflict and other issues. Not to be an alarmist, but global and domestic markets and economies are the subject of volatility. Over the past few days and overnight stock markets have been dropping. During the 'Global Financial Crisis' globally almost every super fund, pension fund and investment portfolio suffered significant loses. No-one can afford to lose hard earned retirement savings and investments AGAIN! If you would like to discuss your options please call 1300 340 060 or email [email protected]

21.01.2022 Natalie's Story Please take the time to watch this video and then call us if you wish to discuss protecting what's precious to you. Phone 1300 340 060 or email [email protected] http://buff.ly/1hBCAGZ

20.01.2022 Changes to how your credit rating is now viewed. During March 2014 changes to Australian credit reporting arrived, and for some borrowers the introduction of repayment history information (specifically late payment notations) may negatively impact their ability to secure home loan finance and loans generally. Already updated credit scoring is impacting some applications. We have access to quality banks and financiers that DO NOT CREDIT SCORE. Want to discuss your options call 1300 340 060 or email [email protected]

19.01.2022 The reality of Critical Illness No one ever wants to think about the possibility that they could suffer a serious illness, but as Australians we are faced with the reality that one in two men, and one in three women, will be diagnosed with cancer each year. Further, there has been a growth of 18.2% in cardiovascular disease in this country over the past ten years. Many Australians may not be aware of the high cost of medical treatments that serious illnesses attract. When combined with a loss of income for extended periods of time, recovery can be hampered by financial stress. http://buff.ly/1mrefdV

19.01.2022 PLEASE SHARE this post. Continuation of Monday's post - Motor Vehicle Finance 5.95% No Financials Required. Self employed looking to buy a motor vehicle new or second hand up to 3 years old.... See Monday's post for further details. If you want to discuss or even to obtain a pre-approval call us on 1300 340 060 or email your contact details to [email protected] and we'll call you.

18.01.2022 2014 Budget Summary - Courtesy of Macquarie Bank Follow this link for 'What the budget means to you' http://buff.ly/1lw3jJK Follow this link for 'What the budget means for the Australian economy' http://buff.ly/1lw3iW8

16.01.2022 PLEASE pass on - this affects every family member. If you were required to support someone close to you financially in the event of death, illness or injury:- What impact would it have on your financial situation, e.g.: retirement plans or capital? Open this link and look at the family tree. For many clients the realisation they may have to support other family members means they want to ensure the dependents will be provided for. This issue doesn't just apply to children. http://buff.ly/R28aIn Call us to discuss your options on 1300 340 060 or email to [email protected]

16.01.2022 More evidence the 40's is the Insurance 'Danger Decade' - This is way too important to dismiss. Thinking of cancelling your insurance, thinking you have no use for or may be its too expensive - call SME Financial Services for a second perspective or find out what options might be available for you. Call us on 1300 340 060 or email to [email protected] Clients aged in their mid-forties are the most likely to claim on their disability and critical illness cover,... but this is also the period when most people cancel their policies, new analysis from TAL has shown. A review of TALs living insurance policies (TPD, trauma and income protection) for the 12 months to September 2013, found that, on average, these policies were discontinued when the client was aged 45. The average age of claim for these covers was found to be 46.5. See more

15.01.2022 21% of would-be buyers are struggling to get finance Another reason to seek assistance from SME Financial Services - know someone who needs help? Buying, refinancing or increasing a loan isn't always so simple call us on 1300 340 060 - read on... One in five potential buyers are unable to seal a deal because they cannot obtain finance, according to a new survey. The survey, conducted by property website http://buff.ly/1mPV0c2, found 21 per cent of respondents nominated secur...ing a loan as one of the main obstacles to purchasing a property. Changes to the first home buyers grant were nominated by 41 per cent of respondents, stamp duty costs also attracted 41 per cent, while 33 per cent were worried about the state of the market. The survey also found that 32 per cent had struggled to save for a deposit and 28 per cent were worried about job security. The Housing Sentiment Report for the March 2014 quarter also found that 49 per cent of potential buyers had been put off by rising prices and 48 per cent had been priced out of the market or outbid. Meanwhile, http://buff.ly/1mPV0c2 also interviewed renters who had no intention of buying. According to the survey, 18.9 per cent of those renters had been put off by their difficulty in securing a loan. The survey also found that 28.7 per cent of renters had avoided the market because they couldnt afford to buy in their preferred area, 25.7 per cent considered the market overpriced and 22.5 per cent thought it would be cheaper to rent. See more

14.01.2022 A great MoneySmart Week infographic on a woman's money life. Check out this great MoneySmart Week infographic: * 31% of women feel stressed in relation to finances (compared to 18% of men)... * 300% more women than men retire early to care for someone * Women retire with average superannuation balances 57% less than men * 73% of people on the single Age Pension are women click here for the infographic http://buff.ly/137Z9jf

14.01.2022 Lenders Mortgage Insurance (LMI) Can Be Your Friend For anyone looking to buy property One of the challenges for any property buyer especially in a rising market is that property values are likely to increase faster than their ability to save a deposit. In many situations, Lenders Mortgage Insurance (LMI) can be the answer. To be true, there are other solutions that may be available to many would be buyers. Follow this link http://buff.ly/1lZT3rJ

14.01.2022 Market volatility has an immediate effect on every super fund balances. Don't shy away from this issue. Life expectancy is on the rise and there is a real risk that a market downturn could wipe out the savings of retirees or those close to retirement, who will also have a longer retirement to fund. Even if you're starting out how would you like it if all of your super savings disappeared.... Isn't it time to really start to talk about protected super and retirement benefits. Call us on 1300 340 060 or email to [email protected] to start your discussion.

13.01.2022 FREE Insurance Review - don't delay! Call on 1300 340 060 or email to [email protected] to discuss what's next. Please read this article on survey results titled 'Insurance Misperceptions' http://buff.ly/1eDxvAo

13.01.2022 Protect Your Income - but you insure your car and home! Our incomes are possibly our most important financial asset, yet very few of us take the time to insure ourselves against the possibility of being forced out of the workforce due to injury or illness. Read more http://buff.ly/1kPoKSH Call us to discuss on 1300 340 060 or email to [email protected]

11.01.2022 URGENT! - Time to locate your lost or low balance super funds before they disappear into the ATO's coffers. Any insurance policies held within these funds will also disappear. Read more http://buff.ly/1mrtkw7

11.01.2022 AUSTRALIA'S DEBT This is an amazing website - http://buff.ly/1n1S9Oi It not only breaks down Australias debt on the first page, but you can also go to the history tab and choose a graph for only one type of debt, or even to compare one type of debt against another. The figures go back to 1990. For example, you can compare total housing debt with credit card debt, and with total debt. Just bear in mind that they are simple graphs - I think a log scale would have given a better picture, but what they have shown is extremely useful. Obviously youll have to ignore the ads that keep popping up, but thats the cost of a free service.

11.01.2022 Refinancing or buying another property... Have you ever experienced your property finance application not servicing all because of the way your bank or lender treat your other property loans. What if, other than spouses, you're buying an investment property with others; your lender will apply 100% of the loan repayment against your income and only 50% or less of the rent. And/or the bank will apply their higher assessments against existing loans, ignoring actual payments. These situations apply to most applications, many with devastating obstructive outcomes. If you want a real assessment of what's possible and advice call us on 1300 340 060 or email to [email protected]

10.01.2022 Were back have a read of the following! Our time away has been very busy assisting clients and their families with their financial futures, business protection and financing their properties. Were back have a read of the following! We've also been heavily involved in study improving our education and expertise. Over to coming months legislative changes introduced by the previous government will continue to be rolled out most of which will affect all Australian househ...olds. We will post commentary as the changes come into effect. Something to think about the following is a list of client priorities or what keeps them awake at night, from the list choose a priority thats important to you and then think about that priority. extra income, financial freedom, protecting their income, family and lifestyle, having their own business or growing their business, protecting their businesses, retirement, leaving a legacy, more spare time, personal development, helping others. Then in detail answer these questions aloud; i) Why did you pick that one? ii) Why is that important to you? iii) What are the consequences of not having that opportunity iv) Why would that worry you? Feeling passionate about an issue? Call us for a chat on 1300 340 060 or email to [email protected]

10.01.2022 Thinking about buying a property and not sure the level of finance available? Do these have a fit for your needs? Call us on 1300 340 060 to discuss. - 95% New purchases (o/o, investment, construction, vacant land) Plus lenders mortgage insurance added. P&I or Interest Only payments. Requires 5% genuine savings over 3 months. $750,000 to 95% LVR. No loading on Interest Rate or LMI premium Land/Construction/Established Dwellings all acceptable. - 90% Non-genuine savings. No... genuine savings evidence required for below 90% loans. (Bank statement required to show funds to complete or a Stat Dec for gifted funds) *90% LVR Max $1,000,000 inclusive LMI . - Large acreage acceptable up to 80% LVR (full financials required) no postcode restrictions. Cannot be income producing. 150 acres maximum. Email your details to [email protected] and we'll call you to discuss your needs.

10.01.2022 Refinancing can give you a rate cut on your mortgage - but WE need to do your homework first! Read more http://buff.ly/1jzZzDG

09.01.2022 Are you or someone you know wanting to buy a home, but are just short of funds? That makes your own home just out of reach! Would an extra $20,000 at settlement assist to cover stamp duty or other costs. What about some renovation or new carpets. We have a solution subject to normal loan approval. A linked secured visa card with a limit up to $20,000 at a line of credit rate, currently 5.39% pa. This limit has no effect on the loan to valuation ratio of your purchase.... Why wait - you just might be able to buy your own home - call us on 1300 340 060 or email to [email protected]

09.01.2022 BE Careful - Mortgage brokers and Real estate agents have been warned about unlawfully giving SMSF (DIY Super) set up and property advice. SME Financial Services are authorised and have the experience to give advice on setting up SMSF's and SMSF loans for purchasing property. ASIC has made it very clear the regulator would punish any party operating unlawfully. This is clearly outside of their (mortgage brokers and real estate agents) professional scope and our regulatory laws in the financial services sector. The recommendation of setting up an SMSF can only be undertaken by a qualified and licensed financial planner or accountant. Want to discuss if setting up your own SMSF, or if financing property with super is right for you; call us on 1300 340 060 or email [email protected]

07.01.2022 On a perfect day (16 years receiving income protection payments) John Maher experienced an unforeseen tragedy when he was critically injured in a car accident. Due to the side effects from frontal lobe damage, John subsequently lost his job. Fortunately he had taken out Income Protection cover, which meant he could focus on recovery without worrying about any financial burdens from medical bills or having to worry about an income. The sad reality of the situation is that what happened to John could happen to anyone. Accidents can happen when we least expect them, so it always pays to be prepared.

05.01.2022 Lending - What Makes Us Different? At SME Financial Services we specialise in assessing your "true" value and structure a loan facility that is specifically des...igned to suit you. No matter what the loan. Should a client have a difficult requirement our "Outside The Box" style of lending approach means that more scenarios can get settled and clients satisfied. Even cross - collateralise Plant and Equipment, with Property, Business Value and even throw in some Debtor Finance (lend against money that others owe you), to do everything possible to reach the clients desired LVR %. ATO debt causes many problems, we can usually help. If you or someone you has a requirement call us on 1300 340 060 or email to [email protected]

04.01.2022 For anyone refinancing, buying a property or just wanting to test the water. 3 wins today, they are; - Loan over $500,000 variable rate 4.98% pa, 3 year fixed 4.99% pa - Low Doc loan $500,000 variable rate 5.08% pa, 3 year fixed rate 5.08% pa ... - Full loan approval 24 hours from submitting the application online Call us to discuss your requirements on 1300 340 060, or email to [email protected]

04.01.2022 Protect the ones you love Watch this short 2 minute video http://buff.ly/QZ2vSr

04.01.2022 ANZAC Day - Lest We Forget! For Australians and New Zealanders, ANZAC Day goes well beyond the anniversary of the landing on Gallipoli in 1915. It is a day we remember the many men and women who have served and died in wars, conflicts and peacekeeping operations. The spirit of ANZAC Day is one of courage, mateship and sacrifice. Join with SME Financial Services as we remember those brave men and women who have served our countries. Lest we forget.

03.01.2022 Rosemary O'Connor's top tips to get your financial affairs in order from Women's Agenda http://buff.ly/1sEHiMB For Financial and Finance assistance call us on 1300 340 060 or email to [email protected]

02.01.2022 TRADIES & BUSINESS OWNERS - Do you have Income Protection & Business Expenses Protection? This video follows Andreas, a real person who suffered a serious injury at work. Andreas runs his own excavation business, and without risk cover, he struggled for over five years with the financial burdens of recovery whilst trying to keep his business afloat. This video How would you financially support yourself, your family and business if you are critically injured tomorrow? http://buff.ly/1mrcflU

02.01.2022 A big part of financial freedom is having your heart and mind free from worry about the what-ifs of life. Suze Orman