3. Disclaimer All information provided during the meeting is general information only and is not intended as financial, accounting or legal advice. Attendees are encouraged to consult a licensed financial planner, accountant and lawyer prior to making any decisions regarding their financial situation and or any business decisions that may arise from information gained at this event.

4. Finance Update Fixed interest rates 3yr Fixed rate 4.59% (Full Doc loans) 5yr Fixed rate 4.69% (Full Doc loans) Variable interest rates 4.34% Review & restructure

5. Interest rate trends

6. Jono’s tips to improve serviceability Here are some effective strategies for investors to consider in their mission to boost their borrowing capacity. 1. Consolidate unsecured debts into your mortgage 2. Reduce excess credit, especially credit cards 3. Extend the term of your loan 4. Having all your loans with the one lender decreases serviceability + be careful of bankers & brokers who cross securitize 5. Review & restructure

7. Property Valuation Tips 1. Presentation 2. Recent Sales Evidence – I can use RP data to help with this 3. A recent Rates Notice 4. Make any improvements prior to your valuation 5. Make available a list of all recent improvements 6. Don’t over capitalise 7. Etiquette – Don’t follow the valuer around the property badgering him/her about all the features etc. Use the above to make your statement

8. A real deal finance example for a Dual Income Property This example is a Dual Occ property in Toowoomba - Investor Duplex pair design 3 x 2 Bedroom. 2 x 1 Bathrooms. 1 x 1 LG 750m2 Land 235m2 House Estimate Rent per week $690 - $730 (Let’s use the lower) Land $175,000, Build $372,090 = $547,090 $1,000 Holding deposit Syd Clients 1 st Investment Property Both work - $100,000 & $60,000 income per year 2 Children Mortgage of $700,000 on their own home 100% Financed + LMI + Costs. Based on a 5yr fixed rate of 4.69% We used a 10% deposit from equity in their home with Bank A & a 90% loan with Bank B Positive cash flow of $144/wk The extra $144 will go onto their mortgage saving approx. $184,000 in interest or 6.8yrs Value Add = This property can be strata Titled Council fees already included in the fixed price building contract

11. Thank You