The recent interest rate rise of 0.25% for many people has placed extra pressure on there ability to make their mortgage repayments. The rise of .25% can equate to an extra $50 to $100 per month. This is generally in addition to what was already placing some people is a difficult situation. If you are currently feeling the squeeze on your finances due to the recent rise or other reasons - help is available.

In fact, now would be a good time to talk to SportzMortgage who have experts on hand to assess the state of your current mortgage and recommend possible solutions. SportzMortgage can custom build a mortgage solution that will better suit your current needs and reduce the weekly repayments to a manageable amount.

Independent mortgage brokers are able to think laterally about the unique circumstances and in most cases will be able to repackage your loan in a way that reduces the immediate financial pressure. They have access to lending products from all of the major lenders in Australia, giving you choice to find the loan that suits you.

At SportzMortgage.com.au we are able to provide a range of options – allowing you to take control of your mortgage immediately. Some of the possibilities include: -

• 40 Year terms to reduce your payments but not affect your capital growth
• Low fixed interest rate from three to five years to reduce worry about more rises
• Loans with no annual or account keeping fees
• Flexible Repayments – particularly for self employed

Our lending associates have a wealth of information and expertise, with comprehensive knowledge of products which to allow them to assess and recommend the right loan for you. Why not make the call and speak to one today?

Sportzmortgage offers Australians first truly green mortgage packages with Green Options. For every mortgage settled by us we contribute an initial donation to a registered carbon offset provider, and then an ongoing payment for the life of your loan. This can be enought to offset the entire carbon emmisions for your household including average car use and flights.

Through our team of accredited Lending Associates an extensive choice of home loans from a wide range of lenders, we do the hard yards to make getting your mortgage quick, easy and free of stress. Once the mortgage is settled we purchase carbon offsets on your behalf.

The process is easy :-

We have access to all the major home loan lenders which include:

ANZ, Westpac, Bankwest, Colonial and more.

Give us a call today or fill in the ONLINE APPLICATION FORM and be on your way to a better home and a better future for the planet.

SportzMortgage is a company dedicated to supporting local clubs and community based organisations. SportzMortgage an Australian owned National Mortgage Broking and Financial Services organisation operates a model that is really quite simple. When any member, player or supporter associated with your Club selects one of the many loan services or financial products offered by SportzMortgage your Club receives a rebate - for the life of the loan.

Through our team of committed staff our primary objectives are to:
• Provide unparalleled support to local sporting clubs
• Provide Clubs with an opportunity to build financial viability
• Provide the best possible service to customers

How It Works

Every time a residential loan is settled with SportzMortgage and your Club is nominated as beneficiary, SportzMortgage will invest a percentage of the fee received from the lenders back to your Club… for the life of the loan. This is absolutely free to your Club and to the client.

Further information as to how this can and will benefit your Club can be obtained by visiting www.sportzmortgage.com.au or by calling Jen 03 9886 8411 at SportzMortgage to arrange a preview.

If the time has come and the old place just doesn’t serve it’s purpose any more – it’s time to spread your wings. Sometime the task of finding a new abode with the right features, the right location and suitably far enough away from annoying relations can be a big enough job in itself. At SportzMortgage we are aware of what you can go through and that’s why we make the other part of the equation – the money – the easy part. When you are on the move, a personal SportzMortgage lending associate will be with you all the way. You will have unlimited access and your personal lending associate will do everything they can to take the stress out of the process. We can’t however guarantee that you have seen the last of those annoying relations!

To add some strength to the plan complete the online application, tell us what your time frame is and you are on your way. By the way, thanks for entrusting SportzMortgage.com.au as part of your team.

Calculators
This following calculators are provided to assist you in determining various loan options and other costs such as property stamp duty. This facility is provided as a guide only and does not necessarily qualify or approve you for a loan.

Please select from the calculators below:

How much can I Borrow?

Loan Repayments

Stamp Duty & Costs

Additional Contributions

Fixed or Variable Loan ?

Everyone who’s interested in achieving and enjoying a secure financial future should plan ahead. There are so many financial management and investment options available – seeking sound advice from a professional financial planning specialist is an important step towards making the most appropriate and effective decisions.

How Does The Planning Process Work?
We follow a six-stage approach to providing you with lifetime financial planning:

Initial Consultation
Achieving your financial goals begins with a confidential discussion of your particular circumstances and future needs. This helps your Financial Planner to formulate your personal financial plan.

Setting Goals
Setting clear goals is an important step towards ensuring that your investment and lifestyle objectives are met.

Covering all the Issues
A thorough financial plan covers all areas of your financial well being including investments, estate planning, superannuation and retirement planning, insurance strategies – everything related to your financial goals.

Your Personal Plan
This sets out our recommended strategies that will help you meet your goals. We’ll discuss them one by one – our aim is to ensure you’re completely satisfied before we implement the plan.

Placing Your Investments
When you’re comfortable with the plan, Quadrant Securities is licensed to place the recommended investments on your behalf.

A Lifetime Service
Regular review and reporting keeps you in touch with the performance of your portfolio. If circumstances change, we can help you make adjustments – and your Financial Planner can assist with any aspect of your financial planning needs.

The Power of Knowledge
Financial Planners undertake rigorous programs of ongoing training and professional development – we demand the highest levels of proficiency from our people. Enhancing their individual knowledge and experience, we use research from the leading independent research houses to complement our own views on property and interest bearing investments. Only those meeting our stringent criteria and appropriate to your needs are recommended.

Sportzmortgage.com.au is aligned with one of the Nation’s largest residential mortgage wholesalers. Our Relationship with a combination of high quality Lenders being Australia’s leading Banks and Financial Iinstitutions we make certain that our Commercial Lending clients have access to a product range and level of professional service - second to none.

Ahead of the pack
Sportzmortgage.com.au believes it is important to be aware of market conditions and to respond quickly to the changing demands of clients. Constant contact & communication with our clients, associates, Lenders and finance advisors determines what range of products and services are needed to satisfy our clients and their funding requirements.

The finest of the finest
To ensure that our clients receive the ultimate in products and services we continually analyse source and select new lenders that offer value in products and integrity in service. These include lenders who are mainstream, non-bank and or private lenders. The continued scrutiny and enhancement of our lending panel adds value and confidence to our process.

SportzMortgage Commercial can assist with:

To get he ball rolling complete the online application process and we will do the hard yards on your behalf.

Does your club find it hard to raise funds every year?

Are you sick of running raffles and chocolate drives?

Not enough time to run another trivia night?

Sportzmortgage.com.au takes the hard work and struggle out of raising enough cash to get your team on the field every week. We are an Australian owned National Mortgage Broking and Financial Services organisation dedicated to providing unparalleled and unmatched support to local clubs and community based organisations

Clubs become a direct beneficiary of our community based business model. Through our team of highly committed and qualified associates our passion for grass roots sport and our commitment to local communities, SportzMortgage provides:

SEVEN STEPS TO DOING BUSINESS
SportzMortgage.com.au has a game plan that makes applying for a loan as easy as it has ever been. Our straightforward approach reduces the margin for error and allows us to provide you with a comprehensive report detailing all you need to know about taking out your loan. When you know what you want – we will take you through the following steps :

1. Complete and submit an online enquiry to us and we will begin the research for you
2. Make yourself available for a 15 – 30 minute phone conversation to discuss the findings
3. Arrange a convenient time to meet with a SportzMortgage Lending Associate (If you are unable to meet personally we can discuss all of the available options and next steps via telephone-conference)
4. Complete a loan application with assistance from a SportzMortgage Lending Associate
5. Your SportzMortgage Associate will submit the application and follow it get the result and will keep you informed every step of the way by phone and email
6. Upon formal approval from your chosen lender your Sportzmortgage lending associate will discuss everything that needs to be done and assist you every step of the way
7. Cross the T’s dot the I’s and get set for settlement

When settlement is completed and everything is done time to pop the cork and celebrate

When applying for a loan, there are some basic and fundamental steps that need to be completed. Whilst it looks like a lot of things to do, a SportzMortgage Lending Associate can and will help to make the process as simple and easy as possible.
One thing we can tell you is that irrespective of where you choose to do business, you will be required to answer a number of questions. These questions help a potential lender to assess your borrowing capacity and your ability to repay the loan. The following documents will assist the lender in their considerations:

• photocopies of current bank account statements
• copy of most recent pay slips and or group certificate (PAYG)
• copy of last two years financials (Self Employed)
• proof of any share holdings and other assets
• details of any second income, bonuses, allowances or benefits
• pay slips or a letter from your employer outlining length of employment and salary

If self-employed:

• tax agent income statements and income tax returns, and
• profit and loss statements certified by a registered accountant

If your are selling a home in the process:

• copies of exchanged contracts, or
• solicitor’s letter confirming a firm buyer

If paying out an existing mortgage and starting a new home loan:

• a letter from the present lender stating the amount owing and proof of past repayments, and a
• photocopy of the front page of the contract of sale, if you have already decided on a property

Buying a home is a big decision and generally, it takes some time to find the right home. This gives you the opportunity to check out the lending options and products available that best suit your particular needs and circumstances. Most lenders will approve a loan ‘in principle’ (pre-approve) which allows you to look for a property with a specific budget in mind.

Choosing the right home loan is as important as choosing the right home. Home loan lenders fall into two main categories banks and non-bank lenders, such as credit unions, building societies and mortgage originators.

Right now there is healthy competition between lenders for your business. SportzMortgage has a wide range of lenders from all of these areas, so we do suggest that you take your time to thoroughly research the products, packages, options and repayment methods each offers.

To assist you in your research and ultimate selection we have a state of the art technology platform that allows you to tell us what you want and what you don’t want in your loan. Once we have entered this information a selection of the most suitable options (based on your preferences) will be short listed. A short discussion following this stage will help you decide. Some of the determining features that might be considered is the access to a branch network, internet facilities, add on features etc.

The office for Consumer Affairs Victoria will confirm that the loan with the lowest rate may not necessarily represent the best overall value when you take into account fees, charges and repayment flexibility. Hence it pays to discuss these matters in some detail with a SportzMortgage professional accredited loan specialist.