Intelligent Complete Financial Solutions
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INTELLIGENT COMPLETE FINANCIAL SOLUTIONS A SINGLE STORY, A COMMON GOAL Partners Mortgage & Lending Services (PML), a member of Partners Wealth Group, is one of Australia’s leading mortgage and business financial advisory companies. PML specialises in providing tailored lending and financial solutions to personal and business clients Australia wide. With over 70 years’ combined experience in the finance industry, PML has assisted many people and businesses over the years – and has provided our clients with an unparalleled level of service in the property mortgage and asset finance market. Whether you’re after a home loan, business loan or finance to purchase plant, equipment, motor vehicles or commercial property, we can help. PML also specialises in Self Managed Super Fund (SMSF) borrowings for clients looking to use their super fund to buy property, as part of their personal wealth strategy. Our expertise and experience in this area and the ability to tap into our team of superannuation and legal specialists, provides that extra point of difference to clients- and we are proud to say, it has consistently positioned us well ahead of most mortgage firms. PML offers an extensive range of lending products from Australia’s leading banks and non-bank financial institutions, including non-conforming and private lenders and can provide you with a short list of the most competitive loans suited to helping you achieve your financial goal. PML is a full member of the Mortgage and Finance Association of Australia (MFAA), and the Commercial Asset Finance Brokers Association of Australia (CAFBA). ABOUT US OUR APPROACH – INTELLIGENT COMPLETE FINANCIAL SOLUTIONS As the myriad of lending institutions and financial products has grown, so too has our ability to cut through the overwhelming choice of products to provide you with simple and easy to understand solutions that best meet your borrowing needs – now and into the future. We have access to the latest comprehensive loan and interest rate information, including fees from all banks and lending institutions. This allows all our clients to gain a cost effective and time saving analysis by comparing and analysing hundreds of residential and commercial loans or asset finance funding, to find the most competitive solution for you. HOW WE WORK WITH YOU Can you afford the time to investigate all the lending options currently available on the market, and do you have the expertise to decipher what option is right for you? At PML, and indeed, with Partners Wealth Group, we work in the spirit of partnership with you, our client, our Accountants and other Financial Advisors. We take the time to get to know you and work to help you achieve your financial and lifestyle goals. Our goal is to not only provide the right finance options, but also to assist in gaining the quickest approval for your finance. More importantly we act for you, not the banks or finance companies. Once we have successfully settled your loan, you may think that your experience with PML is over; however it is really just the beginning. Lending policies are always changing which is why PML reviews its clients’ situations regularly. With new products continually entering the market, what was suitable back then might not be suitable now. We are committed to attracting and retaining our team of specialist consultants and challenging and inspiring our people to excel. The team at PML will stay in touch with you to ensure you have the most competitive solution to meet your financial and lifestyle goals. We also provide a “one stop shop “ for all your financial services needs including financial planning, insurance and superannuation advice. GET THE PML ADVANTAGE WHY CHOOSE Time is money. Knowledge is power. When you “partner” with us, PARTNERS MORTGAGE & LENDING? we make sure you get the right advice and access to the most suitable borrowing options as well as: When you choose Partners Mortgage and Lending, we put you front and • Highly competitive rates centre by providing: • A broad range of finance and lending solutions which can be • The right finance options through our proven network to achieve tailored to your current and future financial obligations the quickest solutions for your finance. • Initial FREE consultancy service • Specialists in SMSF borrowing to buy property. • Genuine specialist advice based on our extensive network and • Access to the major banks and lenders to source the most understanding of the mortgage and finance market competitive interest rates and fees available. • Quick processing of applications and other documentation from start to finish • The right expertise and depth of experience, knowledge and resources that very few companies in Australia can offer. • An unparalleled standard of client service built around a “can do” attitude • Specialist advice and consultancy services from a team of • Professional management of your application from initial enquiry specialists with proven industry experience who can tailor financial through to settlement and ongoing after sales service solutions to suit every stage of your personal and business life. • Access to broader products and services – including strategic financial advice, Financial and Retirement Planning, SMSF accounting and administration, Legal services, SMSF audit and consulting and Property and Salary Packaging. • A proven track record in driving the right financial outcomes for our clients. • Our consultants, whose financial expertise is second to none and whose experience and knowledge deliver on our promise – complete, intelligent finance solutions every time. “I just wanted to thank PML for all the hard work that they have done in helping us purchase our car. Your ongoing support and advice has allowed us to navigate through a very difficult process. We had a number of issues that made acquiring finance more difficult and PML simplified the process for us, giving us a thorough briefing of our options and keeping us up to date on any progress. Your availability, even after hours and advice was appreciated. I have come out the other end feeling better equipped, safe in the knowledge that PML are at the other end of the line when I need their help!! I have, and will continue to recommend their services”. Dr Yousif Shamoun OUR SERVICES BUSINESS FINANCE An important part of growing and managing your business is not only having We can help you secure the most competitive financing solutions suited to access to finance, but also being able to choose the most appropriate you including: method to ensure continued growth and profitability. • Commercial property where we help you select the right loan facility, Whether you are looking to start up, expand your business or simply manage risk management and investment solutions for different business and your cash flow, getting the right advice and financial solution is critical. property development purposes. Do I have the time and expertise to negotiate all finance requirements? Is • Motor vehicle finance including Hire Purchase, Novated Leasing my current business loan the right loan for me? What is the best financing and finance which allows you to own the vehicle outright, plus upgrade structure for me? What are the associated costs? What length of time should or offer salary packaging options to your employees, while reducing I take my loan over? How do I arrange my car or plant and equipment finance? company costs and managing your cash flow. Our financial solutions can help your business reach its full potential. • Plant, equipment and asset purchase with advice on whether to We can look at flexible business loans and finance that can grow with you opt for rental, hire purchase, chattel mortgage or lease finance. over time and keep up with the changes at each stage of your business life. • Computer and technology finance to enable you to finance For many clients, dealing with bank and finance companies can be a equipment and all capital purchases plus installation, maintenance, daunting and a time-consuming task. This is where PML can save you set up and training costs without leaving you with obsolete hardware time and money. or software. • Cash flow lending finance where you can access money based on your current invoices rather than securing finance against your property. • Business and banking restructure and refinancing to free up your cash flow, allow working capital and manage debt. “When I reviewed and expanded my cycle business, I needed to understand the importance of the correct borrowing structures and at the same time, endeavour to save on business costs. Phil and his team at PML significantly improved my cash flow by reducing all borrowing costs of my structure, which then allowed me to concentrate on the daily operational matters of selling and running a business. They took the time to review all areas of the finance, giving me peace of mind. I am confident moving forward and growing the business knowing that I have reduced costs, allowed the growth to occur, and have an ally to assist me with the financial decisions that may affect future personal and business matters. PML were professional, effective and provided great advice to help me through our situation over the time. I highly recommend Phil and his team at PML”. Kathy Watt (Former Australian Olympic Cycling Gold Medallist) LENDING TO A SELF MANAGED SUPER FUND TAKE THE FIRST STEP (SMSF) Investing in property through your SMSF can be a great way to create wealth for your TOWARDS ACHIEVING retirement. We specialise in offering Limited Recourse Borrowing Arrangements (LRBA), which allows you to borrow money from your SMSF to purchase a property. YOUR GOALS Our expertise and experience in this area and ability to tap into our team of superannuation and legal experts positions us well ahead of many other mortgage firms and lenders. More Australians are now starting up a SMSF, so if you’re thinking of buying an investment property through your fund, talk to us first.