Products Investment Loans Self-Employed Loans Refinance Loans Overseas Investor Loans Basic Home Loans Standard Home Loans Offset Home Loans Line of Credit Home Loans Professional Packages Self-Employed Loans Business loans at home loan rates Save time and money with hassle-free loans Great solutions for you and your business Refinance your personal or business debts at comparatively low home loan rates Flexibility to use personal, business, company or trust names on your loan, and all within the same application Your choice of different loan structures with multiple split accounts to easily manage your business, personal and investment finances Easy, quick and personalised application process that Garry will lead you through Conditional Approval direct from the lender can be ascertained within minutes of submitting your details online Both low documentation and fully verified loan options available Easy to save Want to save some serious money? Now you can, by taking advantage of business loans at home loan rates when residential security is offered. Plus you can save on bank fees by consolidating all your finances into one easy-to-manage account. You can even refinance your business debts into your home loan! Simple application process Meet with Garry to discuss and target your financing requirements Conditional approval direct from the lender can be ascertained within minutes of submitting your details online Combine your personal and business loans in a single application to avoid unnecessary paperwork and duplication Both fully verified loans and low documentation options available. Easy application option for the Self-employed Garry has done the hard work for you. He can source a low documentation loan option which means less running around for you. No more hunting for documents or providing full tax returns. Simply complete the declaration outlining your income, provide copies of your latest BAS supporting your declaration, and submit. Combined with a fast application process, you'll have your answer in the shortest possible time. Check with Garry to see if you are eligible for this streamlined process. For more information contact GARRY BILLETT Phone: 02 9817 8230 Mobile: 0418 963 626 Email: gbillett@bigpond.net.au Easy to manage your finances If you're self-employed, you probably spend a lot of time juggling your money. Garry can help you find solutions to help manage your finances and keep track of your all-important cashflow. Enjoy the flexibility of splitting your finances up into many accounts - ideal for separating personal, business and investment funds. You can even choose accounts that allow you online access to your loan in addition to ATM and cheque book access for all your business and investment needs. The Browns' family business John and Sarah Brown have been operating a family retail business for the past 14 years. They have a home loan, two investment loans and separate funds for their business. The Browns' needs: Refinance home and investment loans Maximise their available credit or overdraft to free up additional equity Combine their business and personal borrowings to simplify day-to-day operations for accounting and tax reporting Flexibility to access personal and business funds if they need The Solution Combine all of the loans under one application. The Browns provide all their business financials (company and individual tax returns) to Garry who suggests the following loan combination to suit their needs: Split 1 - Home Loan - $68,000 (principal and interest) Split 2 - Investment Property 1 - $360,000 (interest-only) Split 3 - Investment Property 2 - $188,000 (interest-only) Split 4 - J&S Brown P/L - $272,000 (interest-only) The Advantage A low ongoing home loan rate on their personal and business split accounts Flexible account structure where splits can be set up in different names Ability to combine principal and interest and interest-only loans Option to convert to a fixed rate loan This example is fictitious and for illustrative purposes only. © 2009 Business Trade Franchise Finance Pty Ltd - ABN 97 085 495 334. Australian Credit License No 388366. Garry Billett is a member of the Mortgage and Finance Association of Australia (MFAA). Garry Billett is a Justice of the Peace. This advice was prepared without taking into account your objectives, financial situation or needs. Before acting on this advice you should consider if it's appropriate. It is a guide only and does not take into consideration your personal financial circumstances.