20 January 2011

La Trobe Financial wishes you a wonderful and successful 2011

We have many plans for the New Year and we will update you on the news shortly. In 2011, we will release new products, enhance our existing product range, launch a new advertising campaign and expand our team of lending specialists.

That's not untypical with the coming of the New Year, it is a time of optimism and while our plans are well advanced and have been in the making for a while, it is also a time for many, of reflection.

Did I achieve my goals? Am I setting new ones? Who can forget those New Year's resolutions that so often fall by the way-side? "Of course I'll manage my finances better", "I'll start saving again" or, "we will take that long promised holiday".

Often this planning involves a fresh start, and that fresh start requires a new budget or a review of finances and with many, this means a refinance. Be it for debt consolidation to start moving forward, or a simple equity release exercise for the holiday, or to buy that investment property.

While this may be a straight-forward process for many, some of your clients may encounter a few financial road blocks along the way owing to exceeded credit card limits (even more so when those Christmas expenses come home), the odd missed payment or default on their credit report which won't pass the bank's credit score, even if you try.

At La Trobe Financial we can assist, and our Full Doc and Express Lite Doc products are designed to remove these road blocks, allowing you to put both your employed and self employed clients into a better position. So at a glance:

Full Doc

  • Defaults - up to 4 totalling $25,000
  • 80% LVR with no LMI
  • Loans up to $1,500,000
  • Flexible credit card treatment
  • Flexible income treatment with the following all considered*:
    • Up to 100% overtime
    • Up to 100% bonus
    • Up to 50% commission

Importantly Cash Out is available on all Full Doc Loans (Your clients choose what they want to use their equity on, be it personal, business or investment the choice remains theirs)

And La Trobe Financial does not credit score. We will treat all of your clients and their circumstances individually.

Express Lite Doc

  • Defaults - up to 4 totalling $25,000
  • 80% LVR with no LMI^
  • Loans up to $750,000

Importantly Cash Out is available on all Express Lite Doc loans (Again, your clients choose what they want to use their equity on, be it personal, business or investment the choice remains theirs).

No BAS requirement

And if that new start might involve the building of a new home, or for your developer client's homes we can help here too with our Construction Product range.

Watch this space!

We look forward to bringing you more news on La Trobe Financial and our products as we head into 2011, so watch this space and we wish all our brokers and business partners a very successful 2011.

So where the banks' won't help La Trobe Financial probably can. So do what hundreds of brokers do and call our on the spot broker hotline and speak to a decision maker today.

* Qualifying periods may be required
^ LVR depending on the amount of the defaults

Best regards
Iain Pepper


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Iain Pepper
Head of Lending

Iain Pepper is a Vice-President and the Head of Lending for the La Trobe Group.Read full profile here.

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 145 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

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