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:
- 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
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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.
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