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LENDING NEWS

22 July 2010

Commercial Security Made Easy

At La Trobe Financial we understand your clients have different and unique needs no matter how big or small they are.

Be it cash out, debt consolidation or investment we understand this and that’s why we have a number of Commercial Security lending products available to you.

We’ve made them simpler too with all available to 70% LVR and with our Express products we don’t require BAS or tax returns.

Express Commercial (Lite Doc)
LVR 70%
Purpose Purchase or Refinance (including debt consolidation)
Acceptable security Retail, Shops & Offices in cities and major regional locations
Maximum loan amount $750,000
Acceptable Impairment Up to 4 defaults totaling <$25k total
Telco/Utility defaults up to $1K ignored
Rate From 9.30% p.a.
Term Up to 2 Years IO
Application Fee 1.25% of loan amount (min. $890) deducted at settlement
Serviceability No BAS or trading statements required, Accountants certificate as to serviceability requested, rental acceptable

Need CASH OUT then our Equity Express product is available

Equity Express Commercial (Lite Doc)
LVR 70%
Purpose Cash-Out for business or investment purposes
Acceptable security Retail, Shops & Offices in major cities and major regional areas
Maximum loan amount $1,000,000
Acceptable Impairment Up to 3 defaults totaling <$15k total
Telco/Utility defaults up to $1K ignored
Rate From 10.05% p.a.
Term Up to 2 Years IO
Application Fee 1.25% of loan amount (min. $890) deducted at settlement
Serviceability No BAS or trading statements required, Accountants certificate as to serviceability requested, rental acceptable

Need something a bit LARGER?

Mega Express Commercial (Lite Doc)
LVR 70% ($1,000,000)
65% ($1,500,000)
Purpose Purchase or Refinance (including debt consolidation)
Acceptable security Retail, Shops & Offices in major cities and major regional areas
Acceptable Impairment Up to 3 defaults totaling <$15k total
Telco/Utility defaults up to $1K ignored
Rate From 9.90% p.a.
Term Up to 2 Years IO
Application Fee 1.25% of loan amount (min. $890) deducted at settlement
Serviceability No BAS or trading statements required, Accountants certificate as to serviceability requested, rental acceptable

So do what hundreds of brokers do and call the La Trobe Financial on the spot Broker Hotline weekdays 8am to 6pm on 1800 707 707 ask to speak to our commercial underwriting team and let us free up your day.



Best Regards
La Trobe Lending Services


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La Trobe is one of Australia's leading independent specialist mortgage Financiers. Its business includes residential mortgages, commercial mortgages, and investment services operating one of Australia's largest Mortgage Funds under AFSL 222213. It employs over 115 staff and has raised over AUD$10Billion to assist over 100,000 customers since inception in 1952.

Copyright 2010 La Trobe Financial. All rights reserved. No portion of this may be reproduced, copied, or in any way reused without written permission from La Trobe Financial. Disclaimer
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Greg
Greg O'Neill
Chief Executive Officer
03 8610 2801
Brian
Brian Ford
Chief Operating Officer
03 5177 1626
Iain
Iain Pepper
Head Of Lending
03 5177 1767
Daryl
Daryl Hill
National Relationship Manager
0408 566 524
Bev
Bev Christou
Lending Operations Manager
03 5177 1643
Cory
Cory Bannister
Portfolio Manager
0438 637 491
Craig
Craig Robertson
National BDM
0447 599 664
Michelle
Michelle
Bannister
BDM - Regional Victoria
0408 566 518
Janelle
Janelle Barnes
BDM - QLD
0409 435 559
Suzanne
Suzanne
Hemsworth
BDM - NSW & ACT
0421 029 691
Bob
Bob Layh
Credit Manager Fund
03 8610 2827
Toby
Toby Owen
BDM - NSW & WA
0421 029 687
Steve
Steve Lawrence
Senior
Underwriter
03 8610 2816
Darlene
Darlene Musgrove
Credit Manager
03 5177 1670
Andrew
Andrew Mercer
Underwriting Manager
03 5177 1652


La Trobe Head Office
Level 25
333 Collins St
Melbourne VIC 3000
Ph: 1800 707 707


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IMPORTANT: This message, together with the La Trobe Financial website (www.latrobefinancial.com.au) and all its contents have been prepared for general information only and should not be taken as legal or financial advice, and as such the specific needs, investment objectives or financial situation of any particular user have not been taken into consideration. Individuals should therefore talk with their financial planner or advisor before acting on any information present on this message or the La Trobe website.

La Trobe Financial Asset Management Limited ABN: 27 007 332 363 and AFSL No: 222213 is the issuer and manager of the La Trobe Australian Mortgage Fund. It is important for you to read the Product Disclosure Statement for the Fund before you make any investment decision. You can get a copy of the PDS by calling 1800 818 818. You should consider carefully whether or not investing in the Fund is appropriate for you.

(1) The rates of return from the Fund are not guaranteed and are determined by future revenue of the Fund, and may achieve lower than expected returns. Investors risk losing some or all of their principal investment.

(2) The rating report is available on the La Trobe website or upon request. The rating is only one factor to be taken into account in deciding to invest.

(3) Withdrawal rights are subject to liquidity and may be delayed or suspended.

(4) Rates (where shown) are indicative and for information purposes only and must be confirmed by your La Trobe loan manager upon formal application. Rates are subject to change. Please refer to http://www.latrobefinancial.com.au for full comparison rate schedule

Research Ratings are subject to change. To view the latest research information please visit www.adviseredge.com.au or www.standardandpoors.com.au. Ratings issued by Adviser Edge Investment Research AFS Licence No. 236783 and Standard & Poors Information Services (Australia) Pty Ltd AFS Licence No. 258896 are solely statements of opinion and not statements of fact or recommendations to purchase, hold, or sell any securities or make any other investment decisions. The ratings are only one factor to be taken into account in deciding to invest. Research Houses receive a fee from La Trobe for rating the product. The Adviser Edge rating is generally a measure of the rated entity's capacity to meet its repayment obligations in all market circumstances. ** 3.5 star rating out of a possible 5 star rating indicates that Adviser Edge believes that La Trobe has performed in line with its peers and exceeded its peers on some fronts.*** S&P rating of 3 out of a possible 5 stars indicates that Standards & Poor's has conviction that La Trobe can generate risk adjusted product returns in line with relevant investment objectives and relative to peers.