‘O² ’ –  A special offer consolidation home loan from CommunityBE$T!
            A breath of fresh air to the home loan ranks.

For those looking to tidy up their finances, O² is a specific purpose low variable rate consolidation loan that offers a further genuine discount of 0.80% off the interest rate for the first 12 months of the loan.

Not only will you benefit from having just one consolidated debt with a more manageable monthly repayment, but you will also receive the added benefit of a discounted interest rate during the first 12 months of the loan!
 
Just by rolling all of your finances, debts and/or bills into a low rate CommunityBE$T ‘O² ’ Consolidation Loan*, you could drastically reduce your monthly finance commitments, save hundreds of dollars in loan repayments every month and set yourself up to save thousands in excess interest payments?

What’s the catch?
There is no catch!
O² has a standard variable interest rate that is at least 0.45% less than the bank standard variable rate with a further offering of a 0.80% discount off the standard variable rate for the first 12 months.

That’s at least 1.25% below the bank standard variable rate for the first 12 months of the loan.
For a loan of $300,000 this alone could represent an approx. reduction in total loan repayments of $3750 during the first 12 months of the loan i.e. $312.50 lower repayment per month for the first 12 months, not to mention any other reduction in repayments that may be received from consolidating all your finances/debts.

Imagine what you could do with an extra $312.50 per month?

Let’s look at an example of how you may benefit from the use of a CommunityBE$T ‘O² ’ Consolidation Loan*
Mick and Stella are married with 2 children. They have a discounted home mortgage loan with a major bank, a personal loan that they took out with the same bank approximately 12 months ago for home improvements & landscaping, a car loan with a major finance company and credit card debt amassed from school fees, recurring bills and other small lifestyle choices.
They have always dealt with major banks and finance companies under the belief that they would benefit from the level of service, financial products, advice and security that they offer. They believe that that they have received good finance rates with all of their loans and they recently changed one of their credit cards to a newly advertised lower rate card that was on offer from their bank.

Their current financial commitments are as follows:

Debt	Amount	Payment
Home Loan	$300000	$2236
Personal Loan	$  15000	$  333
Car Loan	$  20000	$  441
Credit Cards	$  12000	$    95
	$347000	$3105

Now let’s look at what happens,
if they roll all of their debts into a low rate CommunityBE$T ‘O² ’ Consolidation Loan*

The result is	----	Loan $347000
		Reduced Repayment (first 12 months)    $2117
		Standard Repayment                                 $2348

A saving of $757 per month, $174 per week
with a further saving of $231 per month, $53 per week during the first 12 months of the loan!

What difference would a reduction in your finance commitments of $757 - $988 per month make to your lifestyle?

Don’t reduced rate loans usually have less features and flexibility?
Reduced rate loans like basic variable products usually do have lesser features and flexibility then other products and quite often require a refinance or transfer to another product if the user wishes to adapt the usage or accelerate the performance of the loan. This refinance or transfer will usually incur additional loan costs and/or charges.

But not the O² which is jam packed full of features and benefits offering the user total flexibility.

Your loan and finances need to feel just right. You need to feel confident that within your loan you have all the features and flexibility you will need to create true value for yourself; not only now, but also in the future.

The O² has been specifically designed as a two stage loan based on the fundamentals of a Starter Loan combined with a Fully Featured Transactional Loan. The result is what we call ‘Starter Loan Plus’; a home loan that assists users to restart their financial situation by consolidating their finances/debts into a more manageable structure supported by a highly discounted interest rate that delivers an effective kick start to their new finances with an enhanced cash flow position during the initial stages of the loan.

The Plus is that at anytime during the term of the loan, the O² can be internally restructured to suit a change in the usage of the loan by the user
i.e. Restructure -> Debt Minimisation -> Wealth Creation -> Investment Portfolio.
No need for a refinance or transfer to another product!

‘ O² ’ – Starter Loan Plus

• Are you looking to ease the pressure and stress associated with your current financial situation?
• Maybe you are just looking for a simple restructure and fresh start to your finances? 
• Possibly your financial attitude and situation is in need of revitalisation?
• Maybe you just want to improve your chances of a better financial future and lifestyle?

whatever your financial want or desire, let ‘ O² ’ – Breathe some Life back into your Finances.

‘ O² ’ – Starter Loan Plus, an innovative Consolidation Home Loan from CommunityBE$T.

As an added feature bonus for a limited time only, we are offering borrowers the option of a 0.80% rate discount for 12 months or a 0.40% rate discount for 24 months.

To find out how ‘ O² ’ and CommunityBE$T can improve or make a difference to your financial situation, book an appointment with a Mobile Lending Strategist by phoning the Finance Centre on (02) 4633 8700 or email us and we will contact you.

Alternatively, you can presubmit an application now by completing our 10 min Online Pre-Application,

By working with someone knowledgeable when it comes to finances, you will ultimately find some form of financial success!

* Loans subject to application and approval. Terms, conditions and eligibility criteria apply. Fees and charges may be payable.
*The information provided above does not take into account your personal circumstances and is provided as a guide only. You should consider the appropriateness of the information having regard to your objectives, financial situation and needs. You should obtain independent advice at all times.
Bank Standard Variable Rate is equivalent to the RBA Cash Rate plus 1.82%.