Schedule of fees as at July 1st, 2016 (subject to change):
Initial Loan Qualification
$330
A general question and answer session for mortgage planning in Sydney, which includes a loan appraisal with regards to the suitability of the applicants to meet lender qualifications, type and size of deposit, calculation of a maximum loan, assessing the funds position taking into account recommended maximum spend on a purchase, explanation of various loan terms and advice on which loans are not unsuitable. Includes assessment of both current and future needs and objectives.
Annual Review
$330
As part of mortgage planning Sydney, provision of an annual review as to the ongoing appropriateness of the loan, together with lifestyle/budget changes that have occurred since the commencement of the loan.
Loan Structuring
$330
Advice on structuring a loan to manage future requirements, provide interest risk minimization strategies, and non-standard arrangements in addition to mortgage planning in Sydney.
Budget Analysis
$330
Our Mortgage planning Sydney service includes advice which incorporates a thorough review of how budget management can assist to better handle finances, with the aim of reducing interest costs.
Financial and Lifestyle Goal Planning
$330
The purpose of this mortgage planning Sydney service is to balance personal lifestyle choices with planned financial goals.
Credit
$330
A thorough review of current and/or past credit issues, guidance in the use of credit, and advice to enable finances to be managed in the event of future credit issues.
Financial Strategies for Family Planning
$440 (incorporates an initial annual review)
A financial strategy, primarily for young couples, to provide a means of affording both the home loan and starting a family in the future.
Property Investment Structuring
$660
Advice for investors and/or potential investors on all facets of property investment is one of our services in mortgage planning Sydney.
Cash Flow Management
$660
The setting up of complex cash flow structures, primarily for investors and business owners.
Mortgage Planning Sydney
$1320
The structuring and implementation of mortgage loans, transaction accounts, ATM & EFT/POS cards, online access, determination of future financial goals, establishment of a cash flow management system together with a budget to suit and to thereafter manage and reduce debt obligations. A Mortgage Plan is a report compiled to help a client better understand their current financial position including all of their debt obligations. Includes eTracka One software and an initial annual review.
A Mortgage Plan is prepared only to consider the credit issues and cash flow management requirements of a client. It does not provide investment, insurance, superannuation or estate planning advice.