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Did you know how super can make you money?

The federal government’s financial system inquiry is considering major changes to the $1.8 trillion superannuation sector, in an attempt to reduce the high fees paid by Australians and curb risks building up through funds borrowing to invest.

An interim report on Tuesday found super fees were high compared with other countries, and asked for feedback on policies to push down the cost of managing retirement savings.

Source: High superannuation fees under scrutiny - Financial Review
PUBLISHED: 15 JUL 2014 09:42:00 | UPDATED: 15 JUL 2014 19:58:58
http://www.afr.com/p/business/fi ... XmkPBPbHzJSCdEbPUPJ

我们建议您每6个月或者12月登陆一次您的super account，不要被高额的费用吃掉了你的养老金。

Rate Smasher Home Loan
The ideal solution for those people that simply want a basic loan facility. A no frills home loan with a market leading variable rate.

Highlights
No account fees
There are no on-going monthly or annual account management fees with the Rate Smasher Home Loan.
Flexible payment options
Own your home sooner with unlimited additional repayments permitted on variable rate accounts.
Redraw is also available on all variable rate accounts.
On-line and phone access
Provides you with convenient access to your loan 24 hours a day.
Additional Features
Loan Amount        $100,000 up to $750,000.
Loan Term        30 years, shorter loan periods can be requested post settlement.
Maximum Loan to Value Ratio        70%
Permitted purposes        Purchase or refinance an owner occupied property.
Number of accounts        Single account only.
Repayment Type        Principal and Interest only.
Additional Payments (variable accounts)        Unlimited, without cost.
Option to Fix        Available only via switch to Empower Range.
Interest in Advance Option        Available only via switch to Empower Range.
Construction Option        Available only via switch to Empower Home Loan or Package.
Family Guarantee Option        Not available.
Loan access       
Internet and phone banking available
Redraw available (variable accounts only), fee free via electronic banking. Manual redraw not available.
Loan payments can be made via Direct Debit, Salary Credit only
Pay Anyone, periodic payments are available via Internet banking.
Cash card (ATM) and cheque book access only via switch to Empower Package or Line of Credit
Deposit card and over the counter deposits at Australia Post only available via switch to Empower Range.
Rates
Variable Rates        Borrower
Rate        Comparison
Rate
70% (or lower) LVR        4.68%pa        4.69%pa

Fees
Application Fee        Nil
Documentation Fee        $330 Plus GST
Valuation Fee        Nil (single property, terms and conditions apply)
Account Management Fee        Nil
Mortgage Discharge Fee        $400
Other fees are payable, full details covered in mortgage documentation.

Other terms and conditions
Owner-occupied purpose only, purchase or refinance only, no debt consolidation. PAYG applicants minimum employment term 12 months, Self Employed minimum 2 years.

Rate Smasher loan amounts from $100,000 - $750,000, additional credit criteria apply. Not available in conjunction with any other offer.

All lending rates quoted on this website are for new applications only. Existing customers should always refer to their loan contract or internet banking / customer service for their current rates, terms and conditions.
LVR is Loan to Value Ratio which is the ratio of the loan amount and the value of the property. For example a loan of $400,000 on a property valued at $500,000 has an LVR of 80% (400,000 divided by 500,000)
The above rates are subject to change. Fees and charges are payable. Terms and conditions are available from your local branch.
Comparison rate based on a $150,000 loan amount over 25 years. Warning: This rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
Loans for construction purposes are excluded. Terms, fees, conditions and credit criteria apply.
Fixed rate comparison rate quoted for customers borrowing at an LVR of 70.01% - 80%. Refer to the Comparison Rate Schedule
Credit services from Yellow Brick Road Australian Credit Licence 393195 AFSL 323825. Credit provided by Perpetual Limited.

Source: http://www.ybr.com.au/homeloans/ ... smasherhomeloan.cfm

Comparison rate 4.89%, for details, please see the above reply.

call 07-5657 3678 to arrange an appointment.