Financial Planning and your Lifestyle
To many of us, the thought of visiting a financial planner might be a bit daunting – discussing in depth our financial situation and then working with the planner to develop a financial plan. Perhaps, you aren’t exactly sure what your financial goals are! “I’m not wealthy, therefore a planner won’t be able to help or won’t want to help me” is another popular misconception. Unfortunately, many people believe that financial planning only focuses on how to invest money. In reality, this is just one of the many areas that your financial planner can assist you with.
In these times of uncertainty and confusion you must constantly review your financial strategies and make sure they reflect your current concerns and future goals. Keeping to your strategy where future goals have been set is the discipline that most should follow. Markets as we have seen in the past will fluctuate whether it is positive or negative. The key in these circumstances is the "time in the market and not timing the market" which eventually sees us return to more rewarding times.
If you don't have a financial planner, odds are that you will turn to family or friends for a recommendation regarding your financial questions and concerns. That's a fine place to start. But just because your friends may know a bit about finance or they may use a certain planner, may not mean that is right for you. Each person is unique and each situation is different. However if you spend a few minutes looking over the following list of questions, you should have a pretty good idea if you should consider using a financial planner.
Click here for a no obligation free chat with an MST Qualified Financial Planner
Take this short quiz and find out if a financial planner is right for you:
• Would you like to be more in control of your financial life?
• Are you frustrated by all the conflicting financial advice you hear?
• Are you tired of spending your leisure time looking after your finances?
• Do you feel that you should be able to save more money than you do?
• Do you think you could be doing better with your investments?
• Are you concerned that you might be paying too much in taxes?
• Would you like help dealing with your estate or retirement planning?
• Do important financial decisions slide because you just don’t seem to get around to them?
• Are you concerned that your wealth is not growing quickly enough?
• Are you trying to ensure your retirement, child's college education or a second home?
• We all need help, but am I too proud to ask?
• Have you protected your most valuable asset...YOU?
• What do you want your investment portfolio to look like in 5 years time?
• What do I do now with my shares, managed funds or investment properties?
• When was the last time I had a look at my Super?
• Should I start a Self Managed Superannuation Fund?
• Do you have sufficient protection cover to protect my family?
• Is my income protected in the event of illness or injury?
• What is trauma cover? Do I need it?
• Will my investments provide you with your preferred retirement income?
• Do you qualify for the Aged or Veteran Affairs Pension?
• Can I still work whilst I receiving benefits i.e. Aged or Veteran Affairs Pensions?
If you answered “Yes” to even one of these questions, you should probably give some thought to a financial planner. If you answered "Yes" to two or three, it would likely be a wise thing to do. If you said "Yes" to four or more, why wait? Be proactive and click here and we will get you started!
At MST Active, you can be safe and sure in the knowledge all our planners we recommend to you without exception carry all relevant regulatory requirements and come from the largest and most qualified planning associations, groups and regulatory bodies in Australia. We have chosen to partner with these planners for not only are they vastly adept at navigating turbulent times but they are also committed to treating you, and keeping you as a “client for life!”
In all cases we can provide a free no obligation appointment with the most qualified of planners from different groups all eager to help you! At the very least we could introduce you to these people and you can have a quick chat on the telephone in the initial stages…Your choice! You can even have decided which company you want to use but not the planner, then we can help out here as well! How easy is that to get started?!
Our Key Specialities
MST Active Financial planners often do much more than manage money or create a retirement plan. In fact they typically address your entire financial situation long before managing your money or retirement plan. Good advisers know how to take a step back and look at a client's overall financial situation and let them know whether they are on track to meet their goals. They can then look at several areas of the financial plan and make recommendations on changes to increase the likelihood of reaching those goals.
Just some of the areas our planners address and add value to you include:
• Mortgage and Investment Financing and Refinancing
• Superannuation and understanding the new laws and how they affect you
• Review ways to secure your lifestyle and financial goals
• Diversify your investments across shares, managed funds, property, fixed interest and cash
• Investment gearing strategies and risk protection
• Provide expert advice on redundancy or early retirement
• Risk, Life and Trauma Insurance, making sure you have what you need
• Financial Planning and Investment advice to optimise your financial situation.
• Reducing tax and taking advantage of the new tax rulings.
• Wealth Creation and Property Investment
• Looking at your complete financial structure
• Saving strategies
• Consolidating debt and paying it off sooner
• Children’s education expenses
• Superannuation and salary sacrifice
• Optimising income strategies
• Insurance and protecting what you’ve got
• Investment (Managed) Funds
• Anything at all!
When should you see a Financial Planner?
When the time is right.
At MST Active’s we understand we're all unique, and that's what makes us special but often people share similar concerns about money when they reach the various different stages in their life. Generally you should consider meeting with a financial planner at major events that occur in life which may result in a review of your financial or personal situation. Examples of milestones at which time you may consider seeing a Financial Planner include:
• Just paid off your home Have equity in your property you wish to invest.
• Job change, redundancy payment.
• Received an inheritance Pending retirement.
• Just retired.
• Looking to increase your investment portfolio.
• Starting or running a business.
Young single or couple
• Develop a spending plan so you can could afford to
pay off your debts and start saving
• Clarify their lifestyle goals – yes, they do want to buy a house
• Arrange insurance so they would continue to get paid even if they
were sick or injured and couldn’t work
• Invest their superannuation for the long-term
• Put wills in place leaving their assets to each other
Young family
• Restructure their home loan to improve their cash flow
• Structure your salary to take advantage of special tax concessions
• Increase their Family Tax Benefits
• Boost your life insurance so the family would be covered if anything happened to him
• Reorganise their home, contents and car insurance to
have better cover at a lower premium
Established family
• Reorganise the way their superannuation was invested to improve their long-term returns
• Start a gearing program using the equity in their home to drive their mortgage down faster
• Save tax so they have more to spend on the boy's education
• Update their wills and put enduring powers of attorney in place to provide security
in case one of them couldn't make financial decisions
Empty nesters
• Set up their own superannuation fund so they could manage their own retirement money
• Invest their superannuation to suit their goals and attitude to investing
Use their home as security to borrow to invest in a long-term share portfolio
• Set up a spending plan to cover essentials, savings and "fun money".
Pre-retirees
• Drive down their mortgage faster
• Reduce their tax with smart superannuation contribution strategies
• Establish a succession plan for Peter's business
• Ensure that if either of them died, their assets would go to the
chosen members of their families
Retiree
• Understand the financial issues of moving to the retirement village
• Keep the age pension by investing the money from
the sale of the family home
• Increase the income she receives on top of the age pension
• Re-arrange her will so her assets goes to the grandchildren when she dies
Ultimately, Building your financial plan is all about...
Clarifying your financial goals and providing the best strategy to help you achieve them and a financial plan is simply the written record of this strategy and we call that a statement of advice. Working with a financial planner can be a very beneficial experience, giving you the peace of mind of knowing that you are ‘on track’ to attaining your goals. However, it is important to be fully aware that financial planning is not a ‘once-off’ process – the first meeting with your planner is simply the first stage in what should be a long-term and ongoing relationship.
In many cases, there are tangible benefits associated with having a financial plan and a financial planner. Planners might, for instance, identify ways to minimize your tax bill, or help you purchase the right type and amount of insurance, or help you reduce and select the best mortgage, or help you save and invest your money more wisely. But the most important benefit to having a financial plan and a financial planner is, “they help you sleep at night!"
The MST Active simple process to you and your money
In all but the rarest of cases, our financial planner will follow a simple process when examining your financial health and prescribing a course of action which include: gathering relevant financial information; setting life goals; examining your current financial status; coming up with a strategy for how you can meet your goals; implementing the strategy and monitoring the success of the strategy and adjusting it along the way, if necessary. MST Active’s financial planners guide you through the whole process listed below.
We develop a comprehensive view
They will address you and your entire financial picture, inclusive of basic financial information such as income, expenses, asset and liabilities, as well as insurance, income taxes, employee benefits, retirement plans, education, and estate planning when analysing your situation. Typically, they will produce a customised written plan that details your financial situation and the planner's recommendations.
Together we will identify and prioritise your specific goals, needs and circumstances as well as the range of investment options suited to you. We will analyse your situation and consider all the suitable investment alternatives available.
We prepare a recommendation for you
We will prepare a statement of advice which details the strategies you need to implement to achieve your goals. We will make recommendations in writing, detailing every step of the proposal and explain in detail the basis of the strategies we recommend as well as comprehensively outlining all fees and charges involved. Together we will address any concerns to ensure that you are completely satisfied with our recommendations and it is at this point that we mutually agree to proceed to the next step.
We implement your strategy
We will implement the agreed strategy once you are comfortable with the recommendations. We will only proceed if we believe we can add genuine value.
We continue to review and update your plan
We will offer to regularly review your financial plan to ensure it remains on track and properly reflects your changing needs and circumstances. At MST Active, we understand that everyone has different needs. Our approach is not a ‘one size fits all’ solution as we guarantee your Financial Planner will take the time to ensure you receive a personalised solution that is particular to your needs and situation.
It’s that simple!...for you!
Some things you would like to know about Financial Planning and Financial Planners
Do I need a Financial Planner or Financial Adviser?
The first order of business is to understand the differences between a financial planner and other types of advisers. Many Australians don't know the differences between a stockbroker, an investment adviser, a financial planner and a wealth manager.
It's easy to see why as in many cases, stockbrokers, investment advisers, wealth managers and financial planners seemingly provide similar services. A stockbroker is just as likely to "manage" your money as a financial planner. An investment adviser is just as likely to build a retirement plan as a financial planner.
And what’s the difference between a Financial Planner or Financial Adviser?
There are subtle and not-so subtle differences between financial professionals and advisers. One of the key differences — and there are many — between financial advisers who primarily focus on investments, and those who consider themselves to be financial planners, is the use of carefully constructed financial projections. Advisers have sophisticated tools for managing portfolios, and thus make investment recommendations for a given moment in time. But most don't do a lot of in depth analysis and projections of the future that's because it's a lot of work, it requires a lot of additional knowledge about your situation, and it demands a different kind of expertise than portfolio management. “The reality is that lots of people call themselves financial planners but not all are.”
What can a financial planner help me with or provide advice about?
It is important to remember that financial planning is about making your hard-earned cash work harder for you and a financial planner can help fully understand your present circumstances and future objectives before they begin working with you to tailor a plan to fit your needs. Therefore, your planner’s focus during your first meeting will be on getting to know you. They will ask you lots of questions and work through a ‘fact finding’ questionnaire with you. This ‘fact finding’ process is to help them (and you) to define your financial goals. The more you can tell your financial planner, the easier it will be to develop a tailored strategy for you. Once you are happy that your goals have been clearly identified, your planner will begin to discuss the various methods you could choose to achieve these. Your planner will guide you towards the ones that best suit your needs.
Can a financial planner help me set up a personal and family budget
This is one of their specialties. They will help you recognize how much you need to be saving, whether you are living within your income and what changes you need to consider.
Can I trust my financial planner to understand all of the issues concerning my financial plan?
A certified financial planner will have a broad background in all of the issues regarding your financial life. However, most companies have staff who specialize in certain areas such as tax regulation, estate law and stock or bond market analysis to whom the planner can refer complex issues and questions.
Do I have to do what a financial planner tells me to do?
Some of the advice a planner gives may be a bitter pill to swallow, such as cutting back on expenses in order to save more, but the more you are able to follow the advice, the more readily you will achieve the goals set.
Do I have to invest or buy insurance only from the company that the financial planner works for?
A well qualified and ethical planner will not try to sell you products that are not appropriate for you, even if s/he would earn a higher commission on those products. If you feel you are being “railroaded” into certain investments, you should object, and even report this activity to the board that certified the planner.
Do I need a financial planner or can I do this myself?
There are personal finance software packages, magazines or self-help books that can help you do your own financial planning if you feel you are capable and are willing to spend the time and effort involved.
How are financial planners paid?
There are many payment schemes for financial planning services. Some charge either a fixed fee, some charge an hourly fee for the time it takes to develop a financial plan and meet with you, but don’t sell investment products; some are paid by commissions on the insurance or investment products they sell; and others use a combination of fees and commissions.
How does a planner decide upon the best mix of investments for me?
The risks you are willing to take at this point in your life, the constraints you may have in terms of earnings and therefore investments, and the appropriate mix of insurance and investment vehicles are all taken into consideration in deciding your mix of investments or “portfolio”.
How much time can I expect to spend with a financial planner?
That will depend totally on how much you want the planner to be involved in the process, how big your portfolio is, and whether the planner is being paid separately or as part of managing your portfolio.
How much will the planner explain about my investments?
As much or as little as you want to know. Most people who have no financial training just want a general idea of how the investment is expected to perform. Others will want to understand yields, valuation methods, technical analysis, etc.
How will my current life be affected by a financial plan?
Depending on how closely you follow the planner’s advice, you may have to cut back on expenses and increase savings and insurance in order to achieve your goals.
Once a financial planner designs my plan, am I done?
Not usually. The wisest choice is to meet periodically with your planner to review your portfolio, any changes in your life or new goals that have arisen. Of course, this is your plan and your money, so even though it is not advised, you can stop working with a planner whenever you want.
What does a financial planner do?
Depending on where you are in your life, a financial planner will map out a strategy for your long term financial needs. S/he will help you fix a budget, understand your risk tolerance, save for a home and help determine how to finance it, plan for children’s educations, develop a savings and investment plan, advise on insurance needs, calculate retirement dates and projected retirement needs and income, advise on the use of credit, plan tax strategies and charitable gifts, plan your estate and work with legal advisors to draft your will.
What information will I have to have if I see a financial planner?
You will have to share all of your financial information, and the more the planner knows, the better s/he will be able to advise you. You should therefore bring tax returns, bank and investment statements, a list of current living expenses, copies of insurance policies (including health insurance), retirement plans, mortgage escrow statements, list of outstanding credit card balances, and a list of financial obligations you may have such as college tuition.
What is financial planning?
Financial planning is having a set plan to manage your finances, including budgeting, cash, savings and investments, tax planning, retirement planning, etc.
What issues should a financial planner consider as I get closer to retirement?
When you will start to receive your benefits and from what sources, if and how they will be taxed, whether or not you want to continue living in your home, long term care insurance, health insurance and life insurance and how you want your estate set up.
What issues should a financial planner consider while I am still far from retirement?
You and your planner should set retirement goals, determine how much you will need for retirement, and then design a plan that will assure that you will have sufficient funds for a comfortable retirement.
What kind of investments do financial planners invest a client’s funds in?
Most financial planners will recommend the more common, accepted types of investments. Commodities such as grains, gold and oils, derivatives such as financial or foreign exchange futures and investments in real estate or collectibles are for the pros and a planner will steer away from these highly risky investments. Usually, an individual or family portfolio will be comprised of cash or certificates of deposit, government and corporate bonds, stocks, and annuities.
What will affect my retirement plans?
Your current age, desired retirement age, contributions to retirement funds by both you and your employer, and future eligibility requirements.
Who are financial planners?
Individuals who specialize in managing an individual’s finances, including budgeting, cash, savings and investments, tax planning, retirement planning, etc.
Who sets goals in financial planning?
A good financial planner will delve deeply into your dreams and aspirations and help you recognize what you changes you can make to achieve them. Therefore, goals are set by both of you as the planner helps you to see what the most important things are for
Will a financial planner help coordinate retirement benefits such as social security with my company’s retirement plan?
A planning firm will help you to project all of your retirement income and expenses and, depending on where on the road to retirement you are, will help form an investment program to build for the future, or map out a plan for drawing against your retirement funds to live on.
Will a financial planner help me with my will and estate?
Most financial planning firms offer full service estate planning to their clients. They either have lawyers and tax experts on staff, or work with others in these professions to deal with issues of estate planning. Making sure you can pass on your wealth is another critical aspect of financial planning.
Why partner with an MST Active Financial Planner?
Is simply, that in these times of constant change and uncertainty you now have a company who wants to be with you whenever and for whatever reason you may need. You have someone who will partner you and your family for the rest of your lives, a partner who you can call on for advice and assistance on just about anything now and into the future as well as a partner who is ready to respond to you promptly and efficiently to all your finance related questions and queries.
Click here for a no obligation free chat with an MST Qualified Financial Planner
Recent studies show that 85% of
Australians are confused or confess to having ‘no idea’ about obtaining
finance for major purchases with 54.6% of these people finding their
major purchases even before seeking financial information. With so many
options many people just do not know where to start. At MST Active, you
can be safe and sure in the knowledge all Finance Professionals we
recommend to you without exception carry all relevant regulatory
requirements and come from the largest and most qualified lending
associations, groups and regulatory bodies in Australia. We have chosen
to partner with them for not only are they vastly adept at navigating
turbulent times but they are also committed to treating you, and keeping
you as a “client for life!” all eager to help you! At the very least we
could introduce you to these people and you can have a quick chat on
the telephone in the initial stages.
Since 2008, the Australian Commonwealth Government has decided to
regulate the credit code across the entire country, as there have been
varying degrees of regulation and licensing from State to State. This
means from 1 July 2010, all companies and individuals who deals with
credit and lending, will be required to hold a Credit License that is
recognise Australia wide. The license will be regulated by the
Australian Securities and Investment Commission, the highest level of
regulatory body in Australia. This means there is better protection and a
higher quality of professional service for you.
All MST Active Finance Professionals will have this license, and their
credit license number will be freely available for inspection on our
website. It is important that no matter which Finance Professional you
see, whether they are a Financial Planner or Mortgage Broker, when they
deal with credit then do ask them for a credit license number, and
verify that number on the ASIC website.
General Advice Warning
The information provided on this website and the pages contained within it have been prepared on a general advice basis only. The information has not been prepared to take into account your specific objectives, needs and financial situation. The information may not be appropriate to your individual needs and you should seek advice from your financial adviser before making any investment decisions.
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You can find out more about other services we provide, just follow the links below.
• The
banks made a swift $17 million by passing on interest rate rises faster
than they cut them?
By choosing an MST Active Finance Professionals you can be sure that they are Independent and only offer advice that has your best interest in mind.
• Did
you know that 98% of all loans in Australia are now given to the major
Banks?
At MST Active we are proudly independent. You can be safe in the knowledge that our Aggregation Model means that all Finance Professional we recommend to you are not owned or dictated to by any banks. This means the advice they give to you is with your interest at heart, and we ensure that the loans we recommend to you are the best available.
• Did you know that 98% of all loans in Australia are now given to the major Banks?
At MST Active we understand that we will need to work with the banks, however we will NOT recommend their products unless it is the best value product for you, out in the market today.
• Did you know in six months since GFC, the banks had made an extra $100 billion, that is 5 times the amount in the Governments Futures Fund?
With many banking institutions, building societies and credit unions that offer fee free banking services, why pay for an account when you can have it for free? At MST Active, our Independent Financial Consultants have a range of products that you can choose from and tailor them to what you want, when you want it!
• Did you know the total value of mortgages held by the Big4 is worth $661.4 billion?
An MST Broker just doesn’t just give you an off the shelf loan package that everyone else gets! Every client we assist has an individual financial model designed specifically for them by our strictly independent finance professionals. We help you take charge and control of your financial situation by providing you with valuable expertise and knowledge as well giving you total access to the growing number of services available at MST Active that will assist both you and your family.
• Did you know that it took the major banks just 12 short months to wipe out all competition that took over 15 years to build up?
Your MST Active mortgage broker enjoys an exciting working environment that sets them apart from all other broker groups and aggregators in the mortgage industry. MST Active provide our mortgage brokers with all the right tools and support to make them more successful and more professional than they could ever have achieved alone or in any other system. The great news for you is that they have more time and all the resources they will ever need to ensure you get what you want and when you want it!
• Did you know the banks are gouging an extra $7 billion out of your pockets by not passing the full rate cuts, and increasing the rates beyond the RBA?
With many banking institutions, building societies and credit unions that offer fee free banking services, why pay for an account when you can have it for free? At MST Active, our Independent Financial Consultants have a range of products that you can choose from and tailor them to what you want, when you want it!
• Did you know if you make multiple enquiries at the banks and they each give you a pre-approval, it will affect your Credit Rating and might make it harder for you to get a unconditional approval?
MST Active’s mortgage brokers take great pleasure and satisfaction in saving you countless hours, pain, stress and money with the service they provide which they deliver to you with a level of unprecedented level of professional service. We help you take charge and control of your finances so that everyone of your hard earned dollar works for you, rather than you work for it and we can help you with improving your whole financial structure or in just one or two areas that may need an overdue update so that you get the results you what you want, when you want them!
• Did you know Canadian banks that source their funds from the same international market as our Australian banks only work on a 2% margin as opposed to our banks 2.8%?
In today’s market place, finding a quality home loan or refinancing product from a secure lender is crucial for your financial security and that is why we offer over 40 lending institutions all eager to help you and even if you already have the lender you wish to use and they are not on our panel, then that is not a problem either! MST Active provide a free no obligation appointment with the most qualified and independent of professionals that have the time and the support to get you the results you want, when you want them!
• Did you know the profit margin over and above the banks costs of funds was 1.67% in 2008, and has now risen to 1.88%?
Is finding that perfect property a challenge? Finding that elusive home, investment or commercial property can be a real time-consuming challenge; MST Active’s buyers advocates provide a property buying advisory service to their clients, which enables these clients the ability to assess the real value and potential of property acquisitions which in general would not be available to them as laymen. MST Active take all the stress and anxiety out of the buying process leaving you completely hassle free with no stress to enjoy the results you want, when you want them!
• Did you know could save up to $4300 a year, if you switched your loans from a bank to a cheaper lender?
At MST Active, you can be safe and sure in the knowledge all our Home Loan Professionals we recommend to you without exception carry all relevant regulatory requirements and come from the largest and most qualified lending associations, groups and regulatory bodies in Australia. We have chosen to partner with them for not only are they vastly adept at navigating turbulent times but they are also committed to treating you, and keeping you as a “client for life!” all eager to help you!
• The big for banks are stripping $3000 a year from home owners and credit card users?
With many banking institutions, building societies and credit unions that offer fee free banking services, why pay for an account when you can have it for free? At MST Active, our Independent Financial Consultants have a range of products that you can choose from and tailor them to what you want, when you want it!
• The banks made a swift $17 million by passing on interest rate rises faster than they cut them?
In today’s market place, finding a quality home loan or refinancing product from a secure lender is crucial for your financial security and that is why we offer over 40 lending institutions all eager to help you and even if you already have the lender you wish to use and they are not on our panel, then that is not a problem either! MST Active provide a free no obligation appointment with the most qualified and independent of professionals that have the time and the support to get you the results you want, when you want them!
• One of the majors have multiple fax numbers and if you get the wrong one your requests gets ignored?
MST Active’s buyers advocates provide a property buying advisory service to their clients, which enables these clients the ability to assess the real value and potential of property acquisitions which in general would not be available to them as laymen. MST Active take all the stress and anxiety out of the buying process leaving you completely hassle free with no stress to enjoy the results you want, when you want them!
• Did you know that all Mortgage Brokers, including yours, can’t deal directly with a bank?
All Mortgage Brokers send your loan applications to the Banks through Aggregators. Aggregators are a intermediary between the Banks and Mortgage Brokers, prior to the GFC all Aggregators and Mortgage Brokers are independent, however since the GFC, over 90% of Aggregators have been takenover by one of the Majors, resulting in over 95% of Mortgage Brokers, now owned and influenced by the banks.
By choosing an MST Active Mortgage Broker you can be sure that they are Independent and only offer advice that has your best interest in mind.
• Did you know CBA requires Mortgage Brokers to write four loans through them in six months regardless of whether or not their loans are better?
At MST Active we are proudly independent. You can be safe in the knowledge that our Aggregation Model means that all Mortgage Brokers we recommend to you are not owned or dictated to by any banks. This means the advice they give to you is with your interest at heart, and we ensure that the loans we recommend to you are the best available.
• Did you know that 98% of all loans in Australia are now given to the major Banks?
At MST Active we understand that we will need to work with the banks, however we will NOT recommend their products unless it is the best value product for you, out in the market today.
• Did you know in six months since GFC, the banks had made an extra $100 billion, that is 5 times the amount in the Governments Futures Fund?
With many banking institutions, building societies and credit unions that offer fee free banking services, why pay for an account when you can have it for free? At MST Active, our Independent Financial Consultants have a range of products that you can choose from and tailor them to what you want, when you want it!
• Did you know the total value of mortgages held by the Big4 is worth $661.4 billion?
An MST Broker just doesn’t just give you an off the shelf loan package that everyone else gets! Every client we assist has an individual financial model designed specifically for them by our strictly independent finance professionals. We help you take charge and control of your financial situation by providing you with valuable expertise and knowledge as well giving you total access to the growing number of services available at MST Active that will assist both you and your family.
• Did you know that it took the major banks just 12 short months to wipe out all competition that took over 15 years to build up?
Your MST Active mortgage broker enjoys an exciting working environment that sets them apart from all other broker groups and aggregators in the mortgage industry. MST Active provide our mortgage brokers with all the right tools and support to make them more successful and more professional than they could ever have achieved alone or in any other system. The great news for you is that they have more time and all the resources they will ever need to ensure you get what you want and when you want it!
• Did you know the banks are gouging an extra $7 billion out of your pockets by not passing the full rate cuts, and increasing the rates beyond the RBA?
With many banking institutions, building societies and credit unions that offer fee free banking services, why pay for an account when you can have it for free? At MST Active, our Independent Financial Consultants have a range of products that you can choose from and tailor them to what you want, when you want it!
• Did you know if you make multiple enquiries at the banks and they each give you a pre-approval, it will affect your Credit Rating and might make it harder for you to get a unconditional approval?
MST Active’s mortgage brokers take great pleasure and satisfaction in saving you countless hours, pain, stress and money with the service they provide which they deliver to you with a level of unprecedented level of professional service. We help you take charge and control of your finances so that everyone of your hard earned dollar works for you, rather than you work for it and we can help you with improving your whole financial structure or in just one or two areas that may need an overdue update so that you get the results you what you want, when you want them!
• Did you know Canadian banks that source their funds from the same international market as our Australian banks only work on a 2% margin as opposed to our banks 2.8%?
In today’s market place, finding a quality home loan or refinancing product from a secure lender is crucial for your financial security and that is why we offer over 40 lending institutions all eager to help you and even if you already have the lender you wish to use and they are not on our panel, then that is not a problem either! MST Active provide a free no obligation appointment with the most qualified and independent of professionals that have the time and the support to get you the results you want, when you want them!
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