16 December 2013

Christmas Wishes

Presents

On behalf of the Board and Staff at La Trobe Financial we would like to wish you and your family a safe and happy Christmas, and a healthy and prosperous New Year.

Thank you for your continued support and custom throughout what has been a year of great change in our industry.

We look forward to funding all your lending needs with our strong balance sheet funding lines, and separately providing outstanding retail investment opportunities for your clients through our leading and award winning Mortgage Fund, in 2014 and beyond.

With 2014 shaping up as a year of great challenge and opportunity we have highlighted some of our key market strengths below.
  • A balance sheet lender
  • Accepting applicants with minor credit impairment to 80% LVR for both Lite DocTM and Full Doc loans
  • Lite Doc lending (with no LMI) <80% LVR
  • Commercial Lite Doc up to 75% LVR

Remember the four reasons to deal with La Trobe Financial:
  • Fair commission structure with no claw back
  • No channel conflict and NO RISK FEES
  • Quick settlement times with our "one call one rate" program
  • 60 years experience in mortgage lending

Tips to winning from Bill Gates

It is a very competitive environment for everybody, and the best lessons are not often taught, but discovered. What we've learnt over our 60 year history of being a non securitised balance sheet lender is that you and your clients want speedy service and timely settlements.

Our 60 year history and non securitised, balance sheet funding model mean that we are as busy as ever to deliver to you and your clients the service and satisfaction of speedy and timely settlements.

Bill Gates recently offered to US school children some pearls of wisdom on the correct attitude to build a successful business which seemed to resonate with us. Here are just a few of Bill's pearls...

  1. Life is not fair - get used to it.


  2. The world won't care about your self-esteem. The world will expect you to accomplish something BEFORE you feel good about yourself.


  3. You will NOT make 60 thousand dollars a year right out of high school. You won't be a vice president with a car phone, until you earn both.


  4. If you think your teacher is tough, wait till you get a boss. He doesn't have a tenure.


  5. Flipping burgers is not beneath your dignity. Your grandparents had a different word for burger flipping - they called it opportunity.


  6. If you mess up, it's not your parents' fault, so don't whine about your mistakes, learn from them.


  7. Before you were born, your parents weren't as boring as they are now. They got that way from paying your bills, cleaning your clothes and listening to you talk about how cool you are. So before you save the rain forest from the parasites of your parent's generation, try delousing the closet in your own room.


  8. Your school may have done away with winners and losers, but life has not. In some schools they have abolished failing grades and they'll give you as many times as you want to get the right answer. This doesn't bear the slightest resemblance to ANYTHING in real life.


  9. Life is not divided into semesters. You don't get summers off and very few employers are interested in helping you find yourself. Do that on your own time.


  10. Television is NOT real life. In real life people actually have to leave the coffee shop and go to jobs.

These tips are very interesting considering the issues we all face as employers of Gen X and Gen Y staff and some of us in our roles as parents; we hope they bring a smile to your face.

We again wish you a festive and safe holiday season and very good fortune in 2014.

All of our Sales Team looks forward to catching up in the New Year to help you make a positive start to the New Year.

Happy Christmas and a safe holiday break from all of us at La Trobe Financial.





... That's Lending

Best regards,
Paul Wells, Chief Investment Officer
La Trobe Financial Asset Management Limited



La Trobe Financial is one of Australia's leading independent credit specialist Fund Managers. Its business includes residential mortgages, commercial mortgages, and investment services operating one of Australia's largest Mortgage Funds under AFSL 222213. It employs over 123 staff and has managed over AUD$10Billion covering over 100,000 investment grade assets since inception in 1952.

Copyright 2013 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

The following awards and ratings were given to the Pooled Mortgage Option within the La Trobe Financial Mortgage Fund and may be viewed on our website

Ratings And Awards

Click to share





O
K
N
R
I
M


 
Newsletter Footer


Please Note: This publication is for accredited broker use only and is not for distribution to consumers.

^ Depends on risk grade of Borrower

All loan applications are fully assessed to ensure the loan is not unsuitable and that we meet our responsible lending obligations in accordance with our usual underwriting requirements. All features and interest rates are current as at the date of publication. Conditions, fees and charges apply. 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. The rates of return from the Fund are not guaranteed and are determined by future revenue of the Fund, and may be lower than expected. Investors risk losing some or all of their principal investment. The investment is not a bank deposit.

La Trobe Financial Services Pty Limited - Australian Credit Licence Number: 392385
La Trobe Financial Asset Management Limited - Australian Credit Licence Number: 222213

Terms, conditions, fees, charges and La Trobe Financial lending criteria apply.

1. Zenith's "recommended" rating indicates that it has high confidence in the manager meeting its objectives. The Zenith Investment Partners ("Zenith") ABN 60 332 047 314 rating referred to in this document is limited to "General Advice" (as defined by section 766B of Corporations Act 2001) and based solely on the assessment of the investment merits of the financial product on this basis. It is not a specific recommendation to purchase, sell or hold the relevant product(s), and Zenith advises that individual investors should seek their own independent financial advice before investing in this product. To view the relevant research information, please visit www.latrobefinancial.com.au The rating is subject to change without notice and Zenith has no obligation to update this document following publication. Zenith usually receives a fee for rating the fund manager and product against accepted criteria considered comprehensive and objective.
2. SQM Research - 4 stars to 4.25 stars - superior, suitable for inclusion on most Approved Product Lists. To view the relevant research information, please visit www.latrobefinancial.com.au This rating will not take into account your, or your clients' objectives, financial situation or needs. It is up to investors to consider whether specific financial products are suitable for your objectives, financial situation or needs. Research houses receive a fee from La Trobe Financial for rating the product.
3. Lipper Leaders Rating Total Return (Score – 5) Lipper Ratings for Total Return reflect funds’ historical return performance relative to peers. The ratings are subject to change every month. The highest 20% of funds in each peer group are named Lipper Leader or a score of 5 for Total Return. Lipper Leader ratings are not intended to predict future results and does not guarantee the accuracy of this information. More information is available at www.lipperweb.com. Thomson Reuters Copyright, All Rights Reserved.
4. Australia Ratings (AFSL 346138) makes every effort to ensure the reliability of the views and rankings expressed in its reports and those published on its websites. Australia Ratings research is based upon information known to it or which was obtained from sources it believed to be reliable and accurate at time of publication. However, like the markets, it is not perfect. This report is prepared for general information only, and as such, the specific needs, investment objectives or financial situation of any particular user have not been taken into consideration. Individuals should therefore discuss, with their financial planner or advisor, the merits of each rating for their own specific circumstances and realise that not all investments will be appropriate for all subscribers. To the extent permitted by law, Australia Ratings and its employees, agents and authorised representatives exclude all liability for any loss or damage (including indirect, special or consequential loss or damage) arising from the use of, or reliance on, any information within the report whether or not caused by any negligent act or omission. If the law prohibits the exclusion of such liability, Australia Ratings hereby limits its liability, to the extent permitted by law, to the resupply of the said information or the cost of the said resupply.