The simplest way to provide financial protection for your family, Depending on your age, you can apply for up to $750,000 pure life insurance cover. Your benefit paid in the event of death by any cause, except suicide in the first 13 months. Also 100% benefit will be paid in the event of terminal illness. Your cover can start from just $1.45 a week for $100,000 benefit. We have flexible payment options – monthly or fortnightly with deductions on the day of your choice.


We bring you an extensive range of comparison categories to help you analyze the best features in loans and credit cards The task of choosing a loan that fits your needs is not straightforward or easy and can be extremely confusing. We make it simple for you.

Debt Reduction

If you have a credit card, or purchased a car or home, you probably already know what it's like to be in debt. Like millions of Australians, debt is increasingly becoming a way of life. Whilst it's inevitable that you will have debt, there are two different types of debt - Good Debt and Bad Debt.

Good debt relates to money that is borrowed to invest in assets that will appreciate in value over time, and where the interest / benefit are tax deductible.

Bad debt (false wealth) relates to money that is borrowed to purchase assets that will depreciate in value over time, where there is no tax benefit available to you.

We can help you review your debt, assess what the total cost you're paying is for those purchased assets (after paying interest), review how you can minimize your debt or structure debt in alternative ways to save you money.

  • Testimonials

'Everything happened just the way Gabriel said it would, and in 5 years our mortgage will be paying itself off with the guaranteed investment he provided us with' - Ravi and Kris Pavithran

'Gabriel Saved my life' - Deborah McNamara

Dear Gabriel & Team.
An unsolicited testimonial! As we prepare to move in to our new home I would just like to take this opportunity to thank-you for your tireless support and to say how wonderful it has been dealing with you all. In fact not only did you find us the cheapest loan around but you Gabriel also gave me advice on a problem with my computer! Now that's service.
Just when we thought philanthropy was dead, along comes Sydney Financial Advisers. Keep up the good work. - Nichole Bannerman, McGraths Hill

'Gabriel has given us peace of mind and a bright and secure financial future' - John and Wendy Waszczuk

Loans for Self Employed

Types of self-certified loans:

Generally there are 3 types of lo-doc loans, these are self-declared income loans, accountant letter / account statement loans, and asset lend loans.

  • Self declared income:
    Self-declared income refers to the borrower signing a declaration / certification stating their annual income. It is the most common type of self-certified loan. The lender will assess your application based on the strength of that declaration, in addition to a review of your assets and liabilities.
  • Accountant letter of Account Statement:
    An accountant letter or an account statement is a more stringent type of criteria. Given the additional supporting documentation, this may create less risk for the lender, and result in a lower interest rate being applied. In addition to the self declaration, some lenders may request an accountants letter for further verification, particular if the applicant has been self employed for a short period of time.
  • Asset lend:
    Asset lend is the most lenient type of lo-doc loan. In this situation, the lender does not require a self-declaration or an accountants letter to verify your current or historical income or assets that you owe. Asset lend means the lender will determine your application solely on the merits of the property you are purchasing (the security of the loan). It is important to note in this type of situation, the lender may give you less than 80% of the value of the property, so as to minimize the risk to them, or may apply a higher interest rate to account for this risk.

An overview of self-certified loans:

  • • Overall less documentation
    is required
  • • Self-certification rather than the traditional evidence of income
  • • Most lenders will only lend you a maximum of 80% of the value of the property (if you need to borrow more than 80% of the property value, some lenders may permit this, depending on your personal and financial circumstances. Sydney Financial Advisers can help you source various options and lenders)
  • • Likely you will need to take out lender's mortgage insurance when borrowing up between 60% to 80% of the value of the property
  • • Self-certified interest rates are likely to be 0.5% to 2% higher than the standard variable interest rate in the market. There may be some opportunity to receive a discounted rate over a certain period of time, or if you are able to provide tax returns in the

Sydney Financial Advisers can work with you to determine the most appropriate home loan or commercial loan for your personal circumstances, and the most effective structure to make repayments

 


solutionsLoans for Self Employed

More than 90% of businesses in Australia are small businesses. Running a profitable small or medium sized business is difficult enough; unfortunately it also means that it is more difficult for you to provide full financial statements or evidence of your income that are usually required to support your home loan or commercial loan application.

Fortunately, for self employed borrowers there is an alternative to applying for a traditional home loan or commercial loan. Self-certified loans have been developed specifically for self employed borrowers.

 

Money Management

Most people have a fair idea of how much money they can spend this week or this month based on when they get paid and when bills are due, however many people don't take the next step of planning for the medium to long term.

Money management is about taking a step back and looking at the broader picture - how much money is coming in, how much money is going, and where you're really going

We have the tools and expertise to help you review your budget.

 

Life Insurance Quote - Why do I need one?

Have you ever thought about what would happen to your family, if you or the primary income earner was critically ill, permanently unable to work, or passed away?
Whilst it is not pleasant to think about, a life insurance quote which leads to a policy, can offer the peace of mind of a secure financial future for yourself and your family. There are a wide of array of life insurance policies in the market. You should consider a free life insurance quote today. Sydney Financial Advisers can help to simplify the process, work with you to understand your needs, and provide a quote which competitively compares life insurance policies and options to meet your personal circumstances as well as your budget.
There are three types of life insurance cover: trauma (critical illness) cover, total and permanent disability (TPD) cover, and term life (death) cover.
Ready to go? Get a free life insurance quote here.

Trauma Cover:
Trauma cover relates to receiving a lump sum payment, if the life insured suffers from a major illness, such as but not limited to: cancer, stroke and heart conditions.
The benefits of this cover are that the funds are payable regardless of the life insured's ability to work. In addition, the life insured has the flexibility to decide how to use those funds - be it to cover additional or alternative medical care, working reduced hours, or to reduce debts.
You are eligible to apply for Trauma Cover if you are between the ages of 16 and 55. You will be asked several questions regarding your health and medical history in order to determine if you are eligible. There are various policies and providers, each with different questions, premiums and terms and conditions.
Ready to go? Get a free life insurance quote here.

Total and Permanent Disability (TPD):
Total and Permanent Disability Insurance pays a lump sum if the life insured suffers from an injury or sickness where it is unlikely they are able to work again.
Long term disability can have a significant impact to the life insured and their family. The life insured can determine the most appropriate use of the lump sum payment, be that to receive additional medical care, cover lost income, home modifications to improve mobility or access to or within the home.
You are eligible to apply for TPD if you are between the ages of 16 and 55. You will be asked several questions regarding your occupation, health and medical history in order to determine if you are eligible. There are various policies and providers, each with different questions, premiums and terms and conditions.
I think this will help me and my family. Get a free life insurance quote here.

Term Life Cover:
Term Life cover (otherwise knows as Death cover) pays a lump sum if the insured life dies, or upon diagnosis of a terminal illness which is likely to occur within 12 months.
In the event of diagnosis of a terminal illness, payment will be made to the insured life. In the event of death, the benefits payable will be made to the life insured's estate.
You are eligible to apply for Term Life Cover if you are between the ages of 16 and 65. You will be asked several questions regarding your occupation, health and medical history in order to determine if you are eligible. There are various policies and providers, each with different questions, premiums and terms and conditions.
It is possible to combine life insurance policies, which can reduce your overall premium. Sydney Financial Advisers can help to review your financial situation and personal circumstances and find and quote the most appropriate policies for you and your family. Please note, it is important to read the terms and conditions of any policy, and understand the detailed eligibility criteria, specific illnesses covered by different policies, and requirements to disclose specific information for eligibility. Get a free life insurance quote today. You owe it not just to yourself but to those who love you.

Give my family peace of mind please Gabriel. I need a free life insurance quote NOW. or call 13 000 SydFA