The Flash - Lightning Fast Home Loans newsletter


Servicing Melbourne, the Mornington Peninsula and wider Victoria


Welcome back

Thanks to all of my readers who contacted me regarding the first edition of “The Flash”, Lightning Fast Home Loans’ bi-monthly newsletter and suggested we do a mail-out as well as an e-mail.

In this edition I have added some news on recent developments in the mortgage industry and am attempting to keep our web site up to date and relevant in respect of the rapid changes we are seeing at the moment so please do take a few minutes to take a look and, yes, I do value our feedback.

I hope you enjoy this edition of The Flash!

Adrian Williams

LFHL logo House jigsaw puzzle

Oct 2008
Issue 02


Please take a moment to update your contact details with our new address  
Lightning Fast Home Loans - 500 Victoria Parade, East Melbourne 3002
Tel: (03) 9417 4918   Fax: (03) 9417 4921

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What should you be doing at the moment in light of the global credit crisis?

House view cropped• Sit tight – if you own a property the chances are that mortgage rates will drop again and this is also probably not a good time to sell.

• On the flip-side this could be a good time to consider an investment property as the housing prices soften and variable rates are certainly going to decrease further in the foreseeable future.

• However, the banks and other lenders are going to be more risk averse so be aware they may require stronger evidence of income and serviceability.

In any circumstance we may be able to help so please call us for advice.

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Santa making a referral Something To Put Under Your Christmas Tree…

We are offering you an incentive to refer a new client to us in the period between now and Christmas.

Every referral made until midnight on Friday December 19th 2008 will provide you with the opportunity to win a 42” Plasma TV, while every home loan that settles from those referrals will receive a double Gold Class Cinema Pass. The plasma draw will be held under independent supervision at 500 Victoria Parade East Melbourne at 12 noon on Saturday 20th December.

The winner will be notified by telephone and announced in the February edition of ‘The Flash’. Gold Class Cinema Passes will be forwarded through the mail in the week following settlement of the loan resulting from the referral.

So make a referral today – plan what big blockbuster you want to see in Gold Class and look forward to possibly watching Carols By Candlelight on your new 42” plasma!!! Good luck in the major draw.

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First Home Buyers - are you potentially one of these … or is one of your children???

The past year or two have been very hard for first home buyers to enter the market. High interest rates, increasing property prices, huge government charges for stamp duty and difficulties in the credit industry generally have been significant hurdles for those wishing to buy their dream home.

Things are starting to look up – Interest rates are on a downward trend, property prices in many areas are softening and the government has eased the burden of purchasing a first home. Eligible buyers not only can access the First Home Owner Grant (with some additional possible benefits after this year's budget), they can also enjoy a reduced rate of stamp duty.

First Home Owner Grant – we can process this for you and ensure you get this benefit made available at settlement of your new home.

Parental assistance – if you have the ability to provide a second security property for the First Home Buyer’s loan, we can show you how to save thousands of dollars in additional costs.

Special Loans for First Home Buyers – some lenders provide reduced interest rate loans for first home buyers. We can assist you find the best available option – please ring 03 9417 4918 to discuss.

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Have you browsed our web site lately?

We have current articles on opportunities to trim $ off your loan, finding a loan that suits your needs, self-employed and low doc loans, suggestions on mortgage insurance and handling the current credit crisis along with other valuable information.

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You have received this document as a client of Lightning Fast Home Loans and we trust this information will be of use to you.
However, should you no longer wish to receive this publication or other e-mails from us you can of course unsubscribe and we will remove you from our mailing list. Either e-mail us at or ring 03 9417 4918.
This document is issued by Lighting Fast Home Loans (ABN 95 865 117 889).
The information contained herein is about our services and contains general information that is not intended as financial advice. It does not take into account specific needs, so you should consider their personal position, objectives and requirements before taking any action.