Shekaina Valdehueza

(Anniversary Equity letter) 22 July 2017 Ashley Wells 145 Caroline Chisholm Drive Winston Hills NSW 2153 Hi Ashley, I hope you are well. It has been some time since I arranged your mortgage. I hope you are still enjoying the benefits of property ownership. I am touching base since I think now is a good time to review your current mortgage to ensure it is still competitive. Interest rates are near all time lows at the moment and there is a good chance you could save many thousands of dollars in interest by taking advantage of some of these offers. Even if your current interest rate is still competitive I may be able to show you some ways to pay it off quicker. I would also like to give you an indication of the market value of your property. Attached is an RP Data report, valued at $39.50, which provides an estimate of the current value of your property. Below is a summary of your position based on your new property appraisal price and your current loan balance. Original Settlement Current Appraisal Date 08/12/2011 10/07/2017 Property Value $556,000 1,100,000* Loan Amount $513,000 $463,045.00# % Borrowed Equity * Refers to indicative value of your property – not a valuation # Estimated current loan balance The estimated range of valuation coupled with the reduction in your current mortgage means that you are in a strong position to make this equity work for you, e.g. renovate, debt consolidation or investing. Investing in residential property has become topical with my clients and I believe you may have the capacity to expand your property portfolio by purchasing an investment property. The good news is that you do not need to save a deposit. History shows that an investment property purchased today can assist in paying your owner occupied home loan in the medium to long term. The good news is that a typical $450k acquisition typically costs you no more than $50pw to hold. I will show you how to structure the acquisition. I will be calling shortly to organise a telephone conference. I look forward to being of service. Cheers “XYZ HOME LOANS” Bob Smith Principal