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 and non- 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 Planning, SMSF accounting and administration, Legal services, SMSF audit and consulting and Property and 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 .

“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. We can help you set up a SMSF, advise you on the best way to structure your loan and ensure you comply with the complexities around LRBAs. Whether you are ready to apply for a loan for your SMSF or you have questions about borrowing through superannuation – we can help guide you with all your SMSF lending needs. BOOK YOUR FREE CONSULTATION NOW HOUSING AND PROPERTY FINANCE A second opinion can be powerful. Purchasing your home or an investment property is probably one of the biggest Are you happy with the outcomes, decisions you’ll make. support and service you’re getting? If you’re looking to buy your first home, build or upgrade, renovate, invest in property or refinance, we can assist. Whichever stage you’re at, we can source loans for many Are you getting the most out of different needs and difficult situations, so we encourage you to talk to us first. your current financial and lending Our services include sourcing, analysing, providing advice and securing tailored finance solution? solutions for: • Home loans for first home buyers and existing home buyers on the pros and cons We can provide you a second opinion by assisting you with a of ‘splitting’ your loan, using the equity in your current home, accessing redraw comprehensive mortgage broking service, comparing hundreds facilities and fixed or variable loans. of loans to find the most attractive solution for you. If you have an existing loan, we can review it to see if you have the most • Investment property financing and whether to opt for a fixed or variable loan, competitive deal to help you achieve your goals. interest only or principal and interest and the value of potentially having a line of . Our mortgage and lending business is just one of the • Bridging finance to help you buy your new property until your existing property sells. specialist services and areas of financial and business advice offered by Partners Wealth Group. • Renovation funds for home improvements which can vary depending on how much you need to borrow and whether you borrow against the current value Our overall expertise within the Partners Wealth Group of your home or take out a construction loan which uses the value of your home provides you with the flexibility of standalone financial, lending, when completed. legal and superannuation services or a full and bespoke • Private lender loans where you may not be able to show sufficient income package to meet all your financial management needs. or cash flow, but have sufficient equity in your property. With Partners Wealth Group, you only need to tell your • Self Managed Super Fund loans with specialist advice on how to borrow money story once. from your fund to invest in property and what tax effectiveness can be structured as part of your loan. • Technology purchases such as computers and software. • Refinance of your existing loan or mortgage to free up cash, reduce debt or expand your investment portfolio. REFER A FRIEND TODAY • loans to allow you to reconstruct your loans and consolidate If you’re an existing client and all your into one easy loan repayment. Your debts may include personal loans, believe our services can help debts and your home loan. your family and friends, we would • Personal loans to buy a new car for personal use or take that long overdue holiday with repayment options available through secured and unsecured loans. welcome the opportunity to talk to them.

All referrals will be treated with the utmost confidentiality and respect. G et the Complete Partners Wealth Group Solution

Whatever your income As a comprehensive Legislation and Partners Legal or circumstances, provider of SMSF regulations covering provides networked Partners works with services, Partners superannuation are and relevant solutions you to ensure your offers in-depth constantly changing. to our commercial and investments and experience and The ATO’s ability to private clients and retirement planning specialist accounting impose penalties has small to medium size strategies benefit expertise to meet been dramatically accounting firms. It you and are tailored our referral partners increased. is a new breed of law to meet your life’s and client’s tax firm which offers an Now, more than ever, it is important changing needs or goals. and regulatory for SMSFs to ensure they comply integrated one-stop requirements. shop approach to all Not all Financial Planners are the with the law. Partners Superannuation Services offers expert advice, support our client’s issues and same. We have a unique structured Our services include: approach to financial planning and and services to accountants and needs including: • Accounting, administration and investment advice focused on driving financial planners to assist clients from annual compliance for SMSFs • Estate planning and management the right financial outcomes for you. set up through to wind down and all • Tax lodgement and advice SMSF related concerns. • Business succession planning Our comprehensive wealth planning for SMSFs Partners Superannuation Services • Corporate and commercial services include: • Financial statements prepared include: law matters, including Personal • Investment advice including in accordance with Australian • Technical advice and strategies Property Securities direct shares, fixed interest, Accounting Standards • Workplace relations and listed and unlisted property, • New fund establishments and • Schedule of investments cash and money market deed updates investments • Trustee minutes and declaration • Company incorporations • Superannuation • Managed discretionary accounts • Members statements • Working with clients wanting to • Property transactions including Limited Recourse Borrowing • Pre-retirement and retirement • Independent audits. gear to acquire property Arrangements (LRBA) planning We also offer a comprehensive • SMSF compliance and strategic • Litigation and dispute resolutions. • Advanced Self Managed Fund Administration Service to consulting service Superannuation advice and trustees of SMSFs who want more • SMSF support annual telephone In particular, we are a leader implementation than a compliance service by: subscription service in providing streamlined and • Debt reduction and recycling • Being the postal address • SMSF audits integrated LRBA Solutions and strategies for the fund • Actuarial certificates – including have the know-how and expertise to provide innovative results and • Business succession planning • Maintaining and managing online service cost effective outcomes, which all funds and cash flow • Purchasing property through • Provision of establishment meets the needs of the investor. your SMSF using borrowed funds • Ensuring expenses and tax and commutation documentation. We also provide a highly successful • Tax effective investment advice are paid We stay well ahead of the game when Sustainable Business Solution and • Preparing quarterly BAS/IAS it comes to complex and changing • Centrelink and aged pension model, which not only guarantees advice where appropriate tax and superannuation laws and work with our financial planning and an orderly succession process but • Portfolio administration services • Attending to benefit also maintains intergenerational documentation. investment divisions to deliver a • Incidental advice. holistic wealth strategy to assist clients wealth and equity for stakeholders. Partners Retirement Planning Investment whether they are accumulating funds Advisors are Authorised Representatives for retirement, have commenced of Charter Financial Planning Limited, Australian Financial Services Licensee a transition to a retirement income Licence Number 234665. stream or are retired. Partners Mortgage Partners Property At Partners, we Partners 360 Bespoke and Lending Services (PP) works with work with clients Services has been Pty Ltd (PML) offers clients to help them to restructure developed as our a full-scale finance make informed their salary and premium product brokering business to property decisions increase their net to meet our client’s help our clients make that can maximise take home pay by demand for a highly informed choices returns and minimise taking advantage of personalised and about their personal risk with innovative approved employer client specific package or business lending strategies to free up salary packaging that encompasses all needs and to secure cash flow for future benefits such as their personal advice, the best finance property acquisition. superannuation, financial management options. health insurance, and administration needs. Partners Property assists clients with: car leases, laptops, We take the time to understand • Property syndication opportunities Our expertise and family office style your goals, and most importantly mobile phones and offering means that in addition to • Residential and commercial mortgage loans. we act for you not the banks or buyers’ advocacy the stand alone services we provide, finance companies. Our services we also work closely with our We look at individual employment include: • Access to restricted clients to alleviate the administrative agreements and advise clients on property offers burden of managing their family • Residential and investment which options will best meet their • Development risk assets and affairs including: mortgages including refinancing requirements based on their life • Depreciation schedules. and debt consolidation stage including: • Debt management • Investment and financial planning • Motor vehicle, plant and We also provide strategic property • Motor vehicle financing equipment finance advice on: including Novated Leasing • Employment agreements • Finance for superfund borrowing • Existing property investments • Salary packaging into • Salary packaging to buy property • How to maximise returns and superannuation to lower • Legal affairs • Business and personal lending improve cash flow employee tax liability • Estate planning and management. requirements • Acquisitions and sale of property • How salary packaging We also provide a bespoke wealth • Commercial property and • Suitability for development fits in with their overall package and work across our business loans superannuation, investment team of investment, legal and tax • Structuring when purchasing and insurance wealth strategy. • Construction and property property advisors, to preserve and grow our client’s family wealth through: development loans. • Investments via financing of We also work with employers Partners also offer an extensive property backed investments seeking to use salary packaging as • Family governance a way to: range of lending products from • Strategies for property • Financial and investment education Australia’s leading banks and portfolio growth. • Compete with other businesses • Philanthropy coordination, and non-bank financial institutions, and looking to attract and retain • Succession planning. provides clients with a short list of skilled staff the most competitive loans suited • Support pay roll tax and work The benefit to our clients is they to their financial situation. cover reductions are able to work with a single organisation that is intimately • Enhance their business culture familiar with their personal through increased staff aspirations rather than working productivity. with multiple individuals who are not au fait with the bigger picture. NATIONAL REACH AND NETWORKS

Partners Mortgage and Lending is a member of the Partners Wealth Group, one of Australia’s leading business and financial advisory companies.

With offices in Victoria, New South Wales, Western Australia and Queensland, we offer innovative advice and services to individuals and businesses around Australia via commercial referral relationships with accountants and other trusted advisors.

C ontact us The first step to achieving your goals is a phone call away. You can contact our team of advisors and specialists now.

Partners MORTGAGE & LENDING SERVICES * Head Office: Level 13, 636 St Kilda Road, Melbourne VIC 3004 (PO Box 6852, St Kilda Road Central VIC 8008) NSW Office: Level 4, 8 Spring Street, Sydney NSW 2000 QLD Office: Level 3, 164 Grey Street, South Brisbane QLD 4101 WA Office: Suite 4, Level 1, 610 Murray Street, Perth WA 6005

) 1800 333 143 / [email protected] x www.partnerswealthgroup.com.au

Partners Wealth Group Partners Retirement Planning & Investment Advisors Partners Salary Packaging Partners Property Partners Mortgage & Lending Partners Legal Partners Superannuation Services Partners Superannuation Tax Services Partners 360 Guild Financial Planning

Disclaimer: PML is a full member of the peak industry body, Mortgage Finance Association of Australia (MFAA), Credit Ombudsman Service Limited, (COSL) and PLAN Australia. PML is a corporate credit representative (CR No. [405936]) of BLSSA Pty Ltd (Australian Credit Licence No. 391237). Partners Retirement Planning and Investment Advisors are Authorised Representatives of Charter Financial Planning Limited, Australian Financial Services Licensee Licence Number 234665. This document contains general advice only. You need to consider with your , your investment objectives, financial situation and your particular needs prior to making an investment decision. Charter Financial Planning Limited and its authorised representatives do not accept any liability for any errors or omissions of information supplied in this document except for liability under statute which cannot be excluded.