Optimal
Lifestyle Mortgages (OLM)
The
Optimal
Lifestyle Mortgage Mortgage
Planning and Debt Portfolio (MPDP)
Management
program has been specifically designed to give every client the
most effective start to their new Mortgage or Home Loan structure.
Mortgage Planning
and Debt Portfolio Management Program
It's
pointless talking about implementing a completely new Mortgage
Structure if you the client have no expertise in following the
plan within the structure. And a new Finance Structure
needs to have a specific plan of attack. The OLM
MPDP Management
Program gives you the Expertise
and Understanding to make it all work for you
- easily.
The
OLM MPDP
Management Program consists
of a number of specific components each of which supports the
others. It includes the following guaranteed contact points
over the first 2 years of the operation of your new mortgage.
Initially
there are 24 monthly contact calls
by Optimal Lifestyle Mortgages
(OLM) support staff to help you settle into
the day to day operation of your new Mortgage Structure.
These
contact calls are not designed to make you feel that we are
trying to control your finances in any way. In fact we have
no control over or access to any of your financial details.
They're simply contacts to remind you that Optimal
Lifestyle Mortgages is there to work for you.
We're there to answer any and all the questions you may find
you have as you get into the swing of a new and improved way
of doing yourown business. We stand beside you through your
mortgage and we're on your side, not the lenders'.
Online
eTracka Budgeting Program
Additionally,
almost immediately after settlement of your new Mortgage, you
will be contacted by our OLM
eTracka professionals; these are specialists
who will assist you to individualise your OLM
eTracka Budgeting Software. This is an important
component which will, if used even half effectively, provide
you every opportunity to really come to grips with your Income
to Outgo profile. Initially your first contact
will be an introduction to the online software application and
an in depth setup of your expenses and income streams.
This
software not only helps you understand your income-to-outgo
structure, but allows you to forecast specific actions to results
and how they can impact on your Mortgage
Planning and Debt Portfolio over time.
As an example:
Let's
say your car dies and you have to purchase another one. In
your current Debt Portfolio there's little
likelihood that you've set aside any funds to allow you to
go out and simply purchase a new car. So you have to either
beg, borrow or steal the funds. Preferably you'd borrow the
money from either a Bank of a Finance Company.
In
your New Mortgage Structure
there is the true potential to never have to borrow
from a lender of any sort again. In this scenario; assuming
you've had the new moretgage for a reasonable amount of time,
you could, if you've built up the equity in the mortgage;
and we show you how that's more likely a scenario than not,
simply go out and buy the new car.
By
investigating and working with your eTracka
software, you would be able to easily determine the following:
- How
much you can afford to spend without straining your budget.
- How
long it would take you to repay the car through the mortgage.
(And not have to keep the car for the whole 30 years to make
it worthwhile either).
- Whether
a personal loan or Lender finance should be used and
- Howe
much money you will save with every scenario.
OLM
and eTracka
have no desire to try to force you to carry out any budgetting
strategies if that's not your choice. But we highly recommend
you at least take the time to discuss your income and expenditure
patterns with your OLM eTracka
Professional. There
is a difference between being budget savvy and being budget illiterate.
We simply want to give you the best chances to make your Mortgage
work as hard for you - as you worked for it.
The
OLM eTracka program has also provides
additional Client Contact Points
in the first six months to make sure you have the best understanding
possible of the Debt Reduction
and the Income Saving
potential that's inherent in your life.
Some
clients truly believe this program alone is the best part of
having restructured their Mortgage or Home
Loan. Others, whilst admitting they have learned a
lot form the software and the expert advice that comes with
it, find that the two year supported period is enough.
Annual
Reviews As Part Of the MPDP program
On,
or soon after the anniversary of the settlement of your MPDP
program we will completely review your personal plan and your
Mortgage structure to gauge exactly where you're at financially.
We'll discuss what was right about the plan and structure for
you and what may be done to increase your asset base
and further decrease your debt base.
Investment
Property Introduction Services
As
an MPDP client
you will also have access to a number of new investment property
opportunities through our Optimal
Lifestyle Mortgages - Uniq Properties portfolio.
These are a mixture of Off The Plan, Stylish Inner City
and Suburban Renovations, New Homes, and Residential Developments
by companies like Devine.
OLM
and Uniq can show
you what you need to do to safely and securely purchase Investment
Properties over time. As an example, currently, if you can afford
a personal weekly outlay of say, $200.00
a week, you could probably purchase an investment property valued
at between $300K and $400K. Of course Terms and Conditions
do apply. But it's possible and it's certainly doable
for many Aussie Families.
OLM's
Uniq properties are in a variety of locations
in Melbourne, Sydney, Brisbane and others.
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