In all my years in the Financial industry, as a Finance/Mortgage Broker, Mortgage Planner, as well as a Property Advisor – l have seen a very common traits in everyone that we have successfully assist in providing Financial and Property Solutions.

These common traits that they have set themselves and instilled in themselves as Financial Goals are:

1. Wanting “A BETTER FINANCIAL SECURITY”
2. Wanting “A BETTER FINANCIAL FUTURE”

FLR Solutions understanding:

We at FLR solutions, do Fully understand, the importance of the abovementioned set goals, that each and everyone one of us is wanting and trying to make sure that they achieve.

We also understand the importance of having “AN EFFECTIVE FINANCIAL PLAN”, and how important it is to make sure that each and everyone of us – has “AN EFFECTIVE FINANCIAL PLAN” in place. This is extremely important & vital for everyone, whether your a Single person, Married with Children, Business Owner, First Home Buyer, Keen Investor, or even whether you are running your every day to day family business, or a CEO of the world largest company – having “AN EFFECTIVE FINANCIAL PLAN” is the magic master key and vital ingredient that is urgently required – in order for all of us to achieve all our goals and have (1) “A BETTER FINANCIAL SECURITY”, (2) “A BETTER FINANCIAL FUTURE”.
By having this “EFFECTIVE FINANCIAL PLAN”, that is easily implemented and structured, will assist us enormously in achieving all our goals that we have set out, and give us “Peace of Mind” for us all, and our family, and our business as well!

THE FLR SOLUTIONS – Our Personal Approach that we take:

We at FLR solutions, our No: 1 goal is to make sure that you, your family, and your business, always achieve your Better Financial Security and a Better Financial Future.
We do this by implementing professional and correct vital systems in place, that does assist us in making sure that you achieve a Better Financial Security and a Better Financial Future, we do this by taking the time to listen properly, taking down all the necessary notes, as we at FLR solutions, also understand that we are all different, with our individual and unique set of goals and particular circumstances and goals set out that we want to achieve in our Life, that requires a personalised approach as well!
That’s the main reason why – we take the time to really listen to your individual needs, your unique set of goals and what you as an individual want to achieve, so we (FLR solutions – professional team), can start to tailor a solution, that is an individual as you and your goals are and no-one elses!

OUR PRIDE and STRENGTH @ FLR Solutions are:

We at FLR solutions – Fully Accredited Finance Brokers and Property Advisors, we do pride ourselves on the following professional services that we currently do offer:
OUR TOP 10 SERVICE OFFERINGS that FLR Solutions – OFFER YOU ARE:

1. We @ FLR solutions certainly take pride in ourselves in offering professional services and advice in all your Financial solutions packages
2. Have a great Personalise One on One service
3. We sit down with you and Compare Lenders, their Rates and Products and Packages with you, so you can fully understand them
4. We prepare a Full Affordability and Budget Analysis report for your individual circumstances
5. Provided Professional Financial Consultation & Financial Solutions
6. Provided a Very Professional and Personalised approach
7. We come to you, at your home, your work place, and where-ever it suits you best
8. Our Professional advice – do help you on making the Right Choice, and certainly does provide you with a Better Financial package & solution, for you, your family and your business
9. We do listen carefully and make sure that all your financial goals are set out properly in your Individual FINANCIAL PLAN – and is achievable as well!
10. Our advice and financial solutions that we provide, will certainly assist you in achieving (1) A BETTER FINANCIAL SECURITY, and (2) A BETTER FINANCIAL FUTURE.

OTHER SOLUTIONS PROVIDED ARE:
So whether: – it’s a Home Loan, Purchasing your First Home, Purchasing your next investment Property, Lifestyle protection, Refinancing, Debt Consolidation, a Business Loan, Commercial Loan, Equipment Loan, or anything that is related to your Financial circumstances, we at FLR solutions, and FLR Property Solutions, have the expertise, professionalism and the know – how to help you in any situation.
Our Professional service & Expertise and team at FLR solutions can certainly provide you with all the possible vital financial solutions and other Professional Advice & Information in an effort to tailor a lending solutions to suit your individual circumstances……….for ALL YOUR FINANCIAL, INSURANCE & PROPERTY ADVICE! – WE at FLR SOLUTIONS can HELP!!
Isn’t Time That You Had a Financial Health Check or Financial Review?

Should you require any further assistance, or you may wish to have a private one on one session with FLR solutions

SIMPLY! – Contact  us TODAY

FLR Solutions
Fred – Mobile: 0415 280555
Website: www.FLRsolutions.com.au
Email: fred@FLRsolutions.com.au

• A key reason people elect to manage their own superannuation is the flexibility to choose where their money is invested. Superannuation laws allow SMSFs to borrow money to help purchase residential investment property, giving direct exposure to real property assets.
• Australian residents with an existing SMSF or currently in the process of establishing a SMSF.
• SMSF’s that have an existing residential property loan and wish to refinance from another lender.
• If you currently have a SMSF facility in place, it can now borrow funds to purchase a residential, retail commercial, rural or specialised property via a SMFS Loan facility.
• This is because of the Legislation changes that have occurred in September 2007, when The Superannuation Industry Supervision Act (SIS ACT) was amended to allow Superannuation Funds (SMSF), to borrow money provided an agreed structure was utilised….
• Basically it must follow a structure as follows: – A Security Trustee will purchase the property on behalf of the SMSF and become the legal owner of the property holding it in trust for the SMSF (as beneficial owner). The SMSF will provide an equity contribution from the Superannuation Funds assets and borrow the balance of the money with an SMSF loan.

In summary:

• The Lender basically gives a loan facility to the SMSF (Self Managed Super Fund), to assist in the purchase or acquisition of eligible income producing real property
• The asset is held in trust or which the SMSF hold a beneficial interest in same.
• The money that is borrowed (SMSF Loan) is applied to the purchase of an asset.
• The SMSF loan is a “limited recourse”, meaning the lender cannot touch any other SMSF assets other than the property held as security, which basically means that the rights against the SMSF in the event of default are limited to the security property.
• A key reason people elect to manage their own superannuation is the flexibility to choose where their money is invested. Superannuation laws allow SMSFs to borrow money to help purchase residential investment property, giving direct exposure to real property assets.
• Funds to complete: – the SMSF must have sufficient monies or equity, to cover the required deposit, acquisition and settlement costs.

Some of the key benefits and features of a SMSF and a SMSF Loan facility:

• A key reason people elect to manage their own superannuation is the flexibility to choose where their money is invested. Superannuation laws allow SMSFs to borrow money to help purchase residential investment property, giving direct exposure to real property assets.
• Can invest in a wide range of investments including property, shares, cash or any other asset that suits the investment objectives of the fund (provided it meets the sole purpose test).
• Investment gearing opportunities including property loans,
• The SMSF is structured to meet the specific investments needs and strategies of its members,
• Members have control, choice and flexibility over how the fund is operated and how funds are invested,
• Purchase residential investment property – SMSFs can use borrowed monies to assist in purchasing a residential investment property within the super fund (SMSF)
• Security of a limited recourse loan – if the loan goes into default the lender’s rights of recovery against the SMSF Trustee are limited to the secured property and the additional security provided by the guarantors. ALL other assets held in the SMSF are protected. All other SMSF assets are safe and cannot be touched by any lender due to the limited recourse provisions in section 67 (4A) of the SIS (Superannuation Industry Supervision Act);
• Potential gearing benefits – it may be possible to claim the interest paid on the loan and expenses as deductions against rental income for tax purposes by the SMSF super fund;
• Rental income can be used to demonstrate serviceability – - rental income for the investment property can be used to demonstrate serviceability and can be used to repay the loan. Income from other SMSF investments and super contributions can also be used to service the SMSF loan
• A maximum 10% capital gains tax on sale of property if held for at least 1 year,
• Maximum of 15% tax on rental income;
• Greater investment choices and control over your future;
• Potential there may be no capital gains on sale of property if sold in pension phase;
• The SMSF can pay out or reduce the SMSF loan at any time (subject to the terms of the relevant loan)
• Through gearing, the SMSF can acquire property for a greater value than that of the funds ‘net worth’.

Q: What type of property can be purchased with the SMSF loan?

• SMSF Property Loan can be used to help purchase a residential investment property or refinance an existing SMSF residential investment property loan.
• There or Loan purpose restrictions: – Funds cannot be used to purchase commercial real estate, vacant land or owner-occupied residential property, construction, equity release, home improvements, off the plan, bridging, principal increases, substitution of security and multiple titles.

SMSF borrowing structure

Below is a typical “SMSF borrowing structure for most lender’s, – for this an example and illustration purposes – l have outlined a typical SMSF borrowing structure for Macquarie

SMSF – LENDER’S “credit policy” – Documentation requirements are:

• Certified copy of the SMSF Trust Deed
• Certified copy of the Holding Trust Deed
• SMSF Trust tax returns (where available)
• Income evidence for all SMSF members
• Super contributions evidence for members
• Proof of interest / dividend earning assets (share certificates, holding statements or financial statements)
• Proof of SMSF expenses (letter from Accountant or previous year’s tax return or invoices and receipts)
• Rental income evidence
• Copy of contract of sale
• Servicing calculators (SMSF and standard)

If we can assist you in arranging a SMSF Loan facility, or any other Financial, Insurance or Property Advise.
Please feel free to contact us – as we look forward in assist you.

Please note: that this information and any information used on this website, is for illustration and product information purposes only, FLR Business Solutions Pty Ltd and FLR Solutions, strongly suggest that all individuals, members, trustees, directors, SMSF trustees, or anyone who is considering any loan facilities – to make sure that they seek independent financial, taxation advice and legal advice, before making any financial and financial investment decisions. FLR Business Solutions Pty Ltd, FLR solutions and its directors, employees, and lending institutions will not be liable so you make the wrong decision and not seek independent advice prior to making any financial decisions.

SIMPLY! – Contact  us TODAY

FLR Solutions
Fred – Mobile: 0415 280555
Website: www.FLRsolutions.com.au
Email: fred@FLRsolutions.com.au

• Your Mortgage
• Your Home Loans
• Investment Property Loans
• Car Loans
• Line of Credit
• Credit cards
• Personal Loans, and so on!

In my finance brokering business (FLR solutions), we have experienced, on numerous and numerous occasions , people that have come to us, asking for a Financial Review (Loan Health Check Review or also know as a Financial Health Check), and we discover that it’s been well over 5 years since their last Financial Review!
When I reflect on this, l am gobsmack, that a lot of mortgage holders, who have existing loans, simply haven’t had a Financial review previously – and waited up to 5 years to act and get a better package!

• I will always continue to say to everyone:-
• As your personal circumstances in your life changes,
• Your personal goals changes,
• Your employment changes – such as you may leave your currently employer,
• You may have another child in your family,
• You may even get married and so on!

you need to also make changes, and GET A FINANCIAL REVIEW of all your existing loans, and adjust your mortgages and loans that you currently have, as they TOO need to adjust to changes in your life around you, and your new goals, and fluctuations in the lender’s interest rate markets, etc etc

Also – With all the changes in the Financial Market place today, for instance, if you haven’t had a Financial Review of all your loans in the last 12 – 18 months, then you may be paying far TOO Much in interest, and repayments to your existing lender, or mortgage holder.

It’s simply fixed

Contact us today for a “FREE”! – one hour session – and we will make sure that you do not pay too much!, and even make sure that you have the correct financial package! – to start to save you money – and achieve your financial goals

In our discussion, you will gain peace of mind and we may uncover some extra savings, benefits or opportunities for you.

GET A FINANCIAL REVIEW TODAY!

AS THERE HAS NEVER BEEN A BETTER TIME TO GET A FINANCIAL REVIEW THAN TODAY ! – WITH ALL THE CHANGES IN THE FINANCIAL MARKET PLACE!

SIMPLY! – Contact  us TODAY

FLR Solutions
Fred – Mobile: 0415 280555
Website: www.FLRsolutions.com.au
Email: fred@FLRsolutions.com.au

Everyone who has a loan facility – should be strongly considering taking out “Loan Protection Insurance” – as an added protection from themselves, and their family – just in case some should happen!!!! – It certain would give you “PEACE OF MIND”
Some recent ALI Group claims

They should not have to face the risk of financial ruin.

WHY EVERYONE NEEDS LOAN PROTECTION:

The majority of Australian’s are underinsured when it comes to death or serious medical conditions, many by hundreds of thousands of dollars.

Loan Protection provides genuine peace of mind to you and your family.

A serious health event can have a major impact on your ability to service your loan or debt that you currently have.

If you have a mortgage:

If you have a mortgage you must consider the effects on your partner or family and your ability to repay your mortgage if you or your partner dies or suffers serious medical condition
You have an obligation to consider these questions and decide how best to protect your mortgage
You should think about:

• How would your mortgage be repaid in the event of your death or if you suffer a serious illness or injury?
• What protection you currently have?
• If you don’t have adequate protection, are you willing to accept the consequences?

When you start to think of what might, or may happen!

• How would you cope?
• What will you or your family do?
• What financial changes to your current lifestyle do you have to do?
• What Lifestyle with your family have to do?
• Will you be able to keep your family home? Or your assets? – it you DO NOT have a Loan Protection in place?

Then many people do consider and take out our Loan Protection Insurance – for that added peace of mind – many clients take our loan protection, specifically designed to provide an affordable way to manage their risk.

What’s Covered by ALI Group? The insured conditions covered are;

• Alzheimer’s Disease, dementia
• Cancer
• Coronary artery bypass surgery
• Heart Attack
• Kidney Failure
• Loss of independent existence
• Paralysis
• Severe Burns
• Stroke
• Total loss of hearing
• Total loss of sight

Talk to your FLR Solutions – Finance Broker about “LOAN PROTECTION PLAN” – TODAY!!!!!!

Your Finance Broker/Adviser will be able to provide you with information about the product together with a PDS, Product Disclosure Statement at the same time you apply for your loan. The Product Disclosure Statement contains the detailed information on Loan Protection Plan and this should always be considered in deciding whether you wish to apply for the product. Finance Brokers/advisers offering Loan Protection plans are doing so as the Authorised Representative of ALI, Australia Life Insurance

Please Note: Important Information
Cover is provided by Metlife Australia Limited. You can obtain a copy of the Product Disclosure Statement from your broker. This should be considered when deciding whether to acquire the product. Any advice contained in this material has been prepared without taking into account your objectives, financial situation and needs. Before acting on this advice you should consider the appropriateness of the advice having regard to these matters. The statistics on this document are from reputable government and industry sources and the quotes and videos are from actual ALI Group policy holders whose full details have been withheld for privacy reasons.
Information on this website is provided by Australian Life Insurance Distribution Pty Limited. This company is the holder of an Australian Financial Services License (AFSL 226 403).

SIMPLY! – Contact  us TODAY

FLR Solutions
Fred – Mobile: 0415 280555
Website: www.FLRsolutions.com.au
Email: fred@FLRsolutions.com.au

• Your Credit Card LIMITS
• Your Income, and Types of Income, (e.g.) Full Time, Casual, Part-Time employment etc
• Single income earner and/or Joint income earner – Total Income earned amount
• Any other income producing assets that you may have – (e.g.) investment property earning you income
• The size and total loan amount compare to the property value – (They call this LVR – Lending Value Ratio (e.g.) 60%, 80%, 90% LVR)
• If you are married of single, and the number of dependents that you have
• Type of Loan Facility applying for – (e.g.) First Home Buyer, or Investment property
• General Living Expenses
• Your deposit amount that you are contributing
• Your Existing asset position
• If you have any defaults against you that may be outstanding
• Your VEDA credit history as well
• Some lender’s and bank’s also may have a “Credit Score” system as well

Simply Book an Appointment with one of our Fully Accredited Finance Brokers – TODAY!

SIMPLY! – Contact  us TODAY

FLR Solutions
Fred – Mobile: 0415 280555
Website: www.FLRsolutions.com.au
Email: fred@FLRsolutions.com.au

This article did make me reflect on what some really nervous borrowers are considering, in these ever changing Economic and Financial times, such as a record number of people losing their jobs and their main source of family income as well, also with our interest rates that are fluctuating with the latest RBA dropping the official cash rate by 50bp – but most lender’s not passing this full discount on to the borrowers and mortgage holders, and so on and on.

The small article published in the Australia Broker Newsletter – outlined the following:

“A recent loan market poll asked borrowers, if they would consider fixing their rate given recent decisions by the RBA, and the ensuing rate changes by lenders…

• The survey found that 60% of respondents were considering a Fixed rate,
• The poll indicated 46% of respondents were definitely looking to fix their Home Loan Rate,
• While 14% said they would consider Fixing part of their loan,
• Thirty six per cent (36%) said they would eschew fixed rates altogether.”

This highlights some very interesting respondents thought patterns!

1. The main positive thing- that l certainly can take out of this figures are:-
2. At least Mortgage holder’s, are asking for solutions to fix or better their current financial situation(s) – At least they are searching, and asking to seek a “better alternative and a “better deal” for themselves and their family.

My recommendation & suggestion:-

1. Is to do whatever it takes to get a better deal for yourself and your family
2. Start to Take Action!!, for yourself and your families sake,
3. TAKE ACTION TODAY! – if you have a Mortgage Loan, any Debt, Credit Card Debt, Loans of any kind – really OWE it to yourself and your Family, to at least investigate and looking into getting a better deal and financial package.

I would ask yourself the following (6) questions to assist you in making your decisions:

1. WHY? – Would you want to stay in your current financial package and continue to pay the same repayments- which may be much more that you should be paying?
2. WHY? – Would you want to give your existing Lender/Bank – more money? – WHY? Not keep it yourself instead?
3. WHY? – Would you want pay a much higher interest rate that you should?
4. WHY? – Wouldn’t you want a far better package than you currently have in place at the moment with your existing Lender/Bank?
5. HOW DO YOU KNOW that you currently have the right finance package that suits you, your goals and your family goals?
6. WHEN? – When was the last time that you actually sat down with a finance broker and had a FULL Financial Review/ or Financial Health Check of ALL YOUR EXISTING FINANCES?

-          If more than 12-18 months ago? – you may be in for a real shock? – as you may be paying FAR TO MUCH in your repayments and interest rate as well!  – WHY would you do that?

The FLR Solutions & Suggestions available are:

1. With-out any doubt what-so-ever, lender’s & banks, have take positive action in lowering their interest rates across the lender’s suite – both Variable and Fixed rate packages available, some of these rates have been the lowest ever for some time,
2. So Do Yourself A Huge Favour – and make sure that you have the right financial package arranged for you – in moving forward.
3. BOOK YOURSELF in to one of our FLR solutions – FINANCIAL REVIEWS / FINANCIAL HEALTH CHECK –it could save you some money!
4. Remember that “Switching Mortgage Lenders an Getting a Better Deal” is fantastic – as it keeps your money in your pocket and NOT the Banks!!!

We certainly have helped, guided and assisted numerous happy clients, into Great Financial Packages, and Excellent Mortgage Packages, and even Consolidated all their loans into one loan, and saved them all heaps of money as well

They are so happy that they continue to refer us to their friends and family- which is great to see.

From the FLR solutions- website and blogs – other articles that you may be interested in are:

Compare Home Loan Products

Why You Need A Financial Review and Health Check NOW?

Why Choose FLR Solutions – as Your Accredited Finance Broker!

Too many borrowers don’t realise just how much cash they can save by making the smallest adjustments to their home loan arrangements.

One simple strategy is increasing your mortgage repayments from monthly to fortnightly, (or even weekly). You can do this by dividing your monthly payments by two and making that repayment fortnightly (or even weekly). You are effectively paying more than your scheduled repayments.

This simple, yet highly effective strategy could save you thousands of dollars otherwise lost to accumulated interest.

Increasing the amount you pay each fortnight (or weekly) is another great way to drive down your mortgage sooner. If you can look for ways to cut back other spending and direct more cash towards your home loan, such additional payments can really help you save on interest costs as well as potentially reduce your home loan term.

Before you commit to larger repayments be sure to calculate how much you can afford to spend without stretching your budget.

How you pay your mortgage is ultimately up to you, but it would be smart to contact a finance broker – like us at FLR solutions, as we can certainly guide you and assist you in making the correct decisions – contact me today on fred@flrsolutions.com.au, or visit our website: www.flrsolutions.com.au

If you are still concerned that you are paying more that you should in interest, perhaps it is time to review your mortgage’s interest rate.

We at FLR Solutions – are Fully Accredited Mortgage Brokers, and we are attuned to the latest home loan products available and will be best equipped to locate and tailor a product to meet your financial goals.

We at FLR Solutions – are always available to assist you in any financial assistance that you may have.

Visit our website for Finance Calculators to assist you with your mortgage.
Email direct: fred@flrsolutions.com.au
Call Fred on Mobile: 0415 280555.

TOP VICTORIAN POSTCODES for FIRST HOME BUYERS

Source: REIV, SRO * March Q 2011.

**Indicates that less than 30 sales were recorded during the quarter

WHAT DOES ALL THIS MEAN TO US – from 01^st July 2011?

This all means that FIRST – home buyers, as well as keen Investors – will have thousands of dollars extra to spend when stamp duty relief kicks in on 01^st July 2011.

I am predicting, just like experts, that this extra cash will without a doubt reinvigorate demand for established houses, and spake up my activity with New Buyers, First Home Buyers as well as the Keen Investors in the market place

We at “FLR Solutions” and our property business – “FLR Property Solutions” – can certainly assist you in obtaining the Best Property Solutions available in the market place, at competitive prices as well!

We can also provide you with a Great & Competitive Home Loan and/or Investment Property Loan Packages, which is the best in the market place as well!

For a great Property Solutions and a Competitive Finance Solution:

SIMPLY! – Contact  us TODAY

FLR Solutions
Fred – Mobile: 0415 280555
Website: www.FLRsolutions.com.au
Email: fred@FLRsolutions.com.au

In short, Aviate doesn’t think so. For that matter neither does the Reserve Bank Governor, Glenn Stevens.

Aviate realises that this view is contrary to what financial experts who work for the International Monetary Fund and The Economist magazine have been suggesting since early 2010.

These experts have suggested that a major “bubble burst” in the Australian property market was imminent in 2011.

The basis for this suggestion comes from recent economic data that suggest that Australia’s current median income levels and median debt levels could not support the current price levels for most residential properties.

However, a number of specialists from the International Monetary Fund have now backtracked on their assertions about the Australian residential property markets. These specialists now think that a residential property “bubble” appears unlikely to develop.

Moreover, financial experts who work for the International Monetary Fund and The Economist magazine have acknowledged that the Australian residential property markets have many positive attributes that currently justify the higher prices for most residential properties in Australia.

In addition, we believe that a severe correction in the Australian residential property market could occur only if the following scenarios happen:

• The Australian economy would have to deteriorate to such an extent that the demand for housing would be forced to fall to levels that have not been seen in decades.
• Another global credit crisis must occur in order to spook borrowers away from the mortgage markets.
• Finally, a drastic shift in migration rates must occur. This shift must result in a negative net migration trend that would force demand for housing to fall.

That being said, we realise that the demand for properties could vary amongst individual markets across Australia. This is especially true for markets near Australia’s capital cities, as opposed to those located in tourism-reliant locations (such as the Gold Coast, Noosa and Port Douglas). This variance in demand for property could be significantly different from the national demand trends we have seen in Australia’s investment property markets. This difference could lead to mixed changes in the values of owner occupier dwellings (especially at the top end of the market) as opposed to investment properties in inner-city locations across Australia.

Current economic forecasts suggest that Australia’s economy should continue to experience above average to high growth rates and long-term wage growth. These attributes (amongst others) support the demand for residential properties in Australia for the foreseeable future.

Finally, RBA Governor Glenn Stevens is also not worried about the current state of Australia’s residential property market. To paraphrase what he said at a recent address he gave on 10 March 2011:

“I am not terribly troubled about the level of house prices in Australia. Of the things that keep me awake at night, house prices are not one of them.”

The turn of events and the current market sentiment (fuelled by negative media reports of a potential correction in the residential property market) has further benefited Aviate investors – as it is truly an ‘investors market’. Vendors, who were reluctant to adopt Aviate’s insistence on the pricing being at or below valuation, are now accommodating such requests.

As I have mentioned, we will continue to have a joint venture and business relationship with the Aviate Group, as we certainly recognise the growth in the Investment Property Markets as well.

We also agree with their views as well, as Aviate’s research team wholeheartedly believes that market fundamentals in the investment property market will remain solid for the foreseeable future. As a result, our team at FLR Solutions, and FLR Property Solutions, will always continue to assist our clients in securing quality investment properties throughout Australia.

We at “FLR Solutions” and our property business – “FLR Property Solutions” – can certainly assist you in obtaining the Best Property Solutions available in the market place, at competitive prices as well!

Once we have assisted you in locating your property – we can also provide you with a Great & Competitive Home Loan and/or Investment Property Loan Packages, that is the best in the market place as well!

For a great Property Solutions and a Competitive Finance Solution: SIMPLY! – Contact  us TODAY

FLR Solutions
Fred – Mobile: 0415 280555
Website: www.FLRsolutions.com.au
Email: fred@FLRsolutions.com.au

What I say to people who fall in this category –is simply to start acting on this immediately and try to get a resolution ASAP – or it will affect your credit rating – for the future and also to start to get back on track as well!

• The Solution is get a Fully Financial Health Check Review of all your loans – before it gets far too late!

Some of the steps during a Financial Review session are as follows:

• Fully review of your existing loans that you have in place,
• Start the Refinancing and Debt consolidation review processes – which will save you heaps of money and interest
• Work out where we can assist and save you on your repayments and total interest as well!
• Make sure that at the end, we have sourced a better package that suits your lifestyle, repayments and goals as well.
• Negotiate with the relevant lenders – in getting your loan approved, and all the way to settling the loan.

In talking about Refinancing and Debt Consolidation, I would like to strongly point out that more and more people – with existing mortgages are definitely getting on the band wagon – and starting to get all their  existing mortgages and debts –  into a “REFINANCED & DEBT CONSOLIDATION” loan structure and facility – and in doing so! – Have saved HEAPS of Money and REDUCED their Monthly repayment commitments.

In my opinion and reviewing the industry, that I have been involved in for numerous years – is that MORE and MORE Australians with existing mortgages and debts, are and have started to get involved in this REFINANCING & DEBT CONSOLIDATION processing and certainly re-structuring all their existing loans into one simple repayment, which is much easier on their monthly commitments and overall savings for them and their families as well!

Today,  I also read an interesting article that highlighted this same exact point. This article that I have just read was about “Refinancing” – from a finance broker industry source – “the Adviser – industry news for the mortgage and finance brokers” dated 24^th may 2011, – I would like to highlight some interesting facts that was mentioned in relation to “Refinancing” – which indeed confirms and simply clarifies exactly the points of what we as everyday “Australians” are doing to save money and reduce their current monthly repayment commitments.

The interesting points are and I quote:

1. ALL Lender’s are now starting to get involved and are keen at looking at clients who want to “Refinance & Debt Consolidation” of their existing debts!.   – Which in my opinion is a positive sign!!!
2. Across the country and other states, Victoria, according to ratecity – had the highest proportion of Refinancing home loans out of all the home loans taken out – meaning that in March 2011 with 34% refinancing their home loans
3. According to evidence & statistics from the ABS – Australian Bureau of Statistics data – it also clearly highlighted that “Refinancing” home loans grew 5% in March 2011 in comparison to March 2010 – Meaning that an Extra 658 more existing borrowers – refinanced for that period.

To me this is very interesting and important information – is that more and more existing borrowers are more comfortable in refinancing their existing debts into one loan facility and save heaps of money as well in doing so!

It still amazes me today,  that even though there has been an increase in people making the right move and exploring the “Refinancing and Debt Consolidation” facility – there are still More & More people still in what is labelled as “MORTGAGE STRESS” and they simply do not do anything about it…they continue to stress out  more! and more! – which eventually leads to dangerous grounds and may lose their  Home, affect their credit rating – and capacity to get other loans in the future,  etc etc etc.

When the solution is simple and easily available to each and everyone to access and benefit from.

Simply – contact your local Melbourne Finance Broker for all your Refinance, Debt Consolidation and needs.

“Thinking Finance – Lets talk!”

Contact details are:

Fred Rizio – Managing Director – FLR Solutions
Email: fred@flrsolutions.com.au
Website: www.flrsolutions.com.au
Mobile: 0415 280555