SANDCASTLE FINANCE

Whether refinancing, buying your first home or building your investment portfolio, we help you find right solution for your

lifestyle goals.

ABOUT US — SANDCASTLE FINANCE Sally currently mentors up and coming professionals in the finance broking industry sharing her 14+ years experience in the industry. Sandcastle Finance currently manage over $100 million worth of loans. For more detail about Sandcastle Finance, who we are and our INVESTING — SANDCASTLE FINANCE Investing. Create long term Sustainable Wealth with Property. It is our number one goal to help our clients accumulate more properties, in order to have the lifestyle you deserve in your retirement. We know that passive income from property will allow you to live how you want to live without relying on inadequate government pension. HOME LOANS — SANDCASTLE FINANCE Fixed or Variable Home Loans . The basic interest rate on a home loan is known as the standard variable rate. The rate is calculated using the interest rate set by the Reserve Bank of Australia, which changes according to economic criteria set by the Bank. CONTACT US — SANDCASTLE FINANCE Book your no-obligation complimentary call. Click here to find a time that suits you. Beaches Financial Planners, 319 Condamine St, Manly Vale NSW 2093. 0400 570 051. sally@sandcastlefinance.com.au. Name *.

First Name.

BUSINESS FINANCE

Find the right funding option for your business needs. Growth opportunities and unexpected challenges pop up when you’re running a business. And when it comes to having access to extra funds, timing makes all the difference. That’s why we offer funding within 24 hours of $5,000 to $300,000, and with cash flow friendly repayments. BLOG — SANDCASTLE FINANCE The IMF also expects Australia’s economy will contract by 6.7 percent in 2020 and then rebound by 6.1 percent in 2021, assuming that measures to contain the virus are successful. You may have been concerned about the impact of COVID19 on property values. And recently economists and property experts have weighed in with their views as

well.

COVID19 RESPONSE & RESOURCES In a matter of a few short weeks, COVID-19 / Coronavirus has thrown the country into turmoil. We are getting emails and phone calls about our clients and friends losing their ability to FAQS — SANDCASTLE FINANCE Sandcastle Finance will help you complete the loan application form. We will professionally package your application with all the supporting evidence and lodge it (in many cases electronically) with your chosen lender. Sandcastle Finance uses Flex software which has programmed each of the lenders’ lending criteria into its software

so that

TERMS CONDITIONS

Operator of the Website. This site is owned and operated by Sandcastle Finance & Insurance Pty Ltd. Sandcastle . General Statement. The following Terms and Conditions regulate your use of our website.

SANDCASTLE FINANCE

Whether refinancing, buying your first home or building your investment portfolio, we help you find right solution for your

lifestyle goals.

ABOUT US — SANDCASTLE FINANCE Sally currently mentors up and coming professionals in the finance broking industry sharing her 14+ years experience in the industry. Sandcastle Finance currently manage over $100 million worth of loans. For more detail about Sandcastle Finance, who we are and our INVESTING — SANDCASTLE FINANCE Investing. Create long term Sustainable Wealth with Property. It is our number one goal to help our clients accumulate more properties, in order to have the lifestyle you deserve in your retirement. We know that passive income from property will allow you to live how you want to live without relying on inadequate government pension. HOME LOANS — SANDCASTLE FINANCE Fixed or Variable Home Loans . The basic interest rate on a home loan is known as the standard variable rate. The rate is calculated using the interest rate set by the Reserve Bank of Australia, which changes according to economic criteria set by the Bank. CONTACT US — SANDCASTLE FINANCE Book your no-obligation complimentary call. Click here to find a time that suits you. Beaches Financial Planners, 319 Condamine St, Manly Vale NSW 2093. 0400 570 051. sally@sandcastlefinance.com.au. Name *.

First Name.

BUSINESS FINANCE

Find the right funding option for your business needs. Growth opportunities and unexpected challenges pop up when you’re running a business. And when it comes to having access to extra funds, timing makes all the difference. That’s why we offer funding within 24 hours of $5,000 to $300,000, and with cash flow friendly repayments. BLOG — SANDCASTLE FINANCE The IMF also expects Australia’s economy will contract by 6.7 percent in 2020 and then rebound by 6.1 percent in 2021, assuming that measures to contain the virus are successful. You may have been concerned about the impact of COVID19 on property values. And recently economists and property experts have weighed in with their views as

well.

COVID19 RESPONSE & RESOURCES In a matter of a few short weeks, COVID-19 / Coronavirus has thrown the country into turmoil. We are getting emails and phone calls about our clients and friends losing their ability to FAQS — SANDCASTLE FINANCE Sandcastle Finance will help you complete the loan application form. We will professionally package your application with all the supporting evidence and lodge it (in many cases electronically) with your chosen lender. Sandcastle Finance uses Flex software which has programmed each of the lenders’ lending criteria into its software

so that

TERMS CONDITIONS

Operator of the Website. This site is owned and operated by Sandcastle Finance & Insurance Pty Ltd. Sandcastle . General Statement. The following Terms and Conditions regulate your use of our website. INVESTING — SANDCASTLE FINANCE Investing. Create long term Sustainable Wealth with Property. It is our number one goal to help our clients accumulate more properties, in order to have the lifestyle you deserve in your retirement. We know that passive income from property will allow you to live how you want to live without relying on inadequate government pension. COVID19 RESPONSE & RESOURCES In a matter of a few short weeks, COVID-19 / Coronavirus has thrown the country into turmoil. We are getting emails and phone calls about our clients and friends losing their ability to PROPERTY INVESTMENT GUIDE With real estate investment, you'll often hear two somewhat conflicting philosophies being bandied around. Cash Flow - these are the rental returns that are higher than your outgoings which also include mortgage payments, leaving money in your pocket each month. Capital Growth - this is the favoured strategy to invest for capital growth over cash flow. 10 POINTS TO CONSIDER BEFORE BUYING YOUR FIRST PROPERTY Having your own property is an excellent dream, but it can be a stressful matter. Knowing the 10 Points to Consider Before Buying Your First Property is surely a big help. PROPERTY MARKET WEAKENS AMID CORONAVIRUS RESTRICTIONS There is more than likely to be a downturn in the property market due to uncertainty: uncertainty of whether people will have a job, the uncertainty of how long we will be housebound for - all this leads to low confidence in the market and house purchases are a high confidence

exchange.

7 THINGS TO KNOW BEFORE YOU BUY AN INVESTMENT PROPERTY While any sort of investment carries risk, planning for the future and considering all its implications can facilitate successful investment. Relatively stable with potential for growth, property is the preferred investment asset for borrowers in Australia. WHAT IT MEANS TO PUT YOUR MORTGAGE ON HOLD “Should I put my mortgage on hold?” We have been getting this question a lot. If you do not have the means of making your next mortgage repayment, my answer would be yes. RENTAL YIELD EXPLAINED: WHAT YOU NEED TO KNOW So how do you know if you’re getting a good investment? Rental yield helps you determine a property's value and potential. It measures the profit you've generated from your investment each year as a percentage

value.

HOW TO REDUCE THE COST FOR FIRST HOME OWNERS There are a few options first home owners can take advantage of to reduce the costs settling a property, BUDGETING FOR FIRST HOME BUYERS: WHAT’S THE RIGHT PRICE First Home Buyers must consider the lump sum costs of buying a property ahead of time because a home is simply one of the most expensive purchases anyone will ever make in their life.

SANDCASTLE FINANCE

Whether refinancing, buying your first home or building your investment portfolio, we help you find right solution for your

lifestyle goals.

ABOUT US — SANDCASTLE FINANCE Sally currently mentors up and coming professionals in the finance broking industry sharing her 14+ years experience in the industry. Sandcastle Finance currently manage over $100 million worth of loans. For more detail about Sandcastle Finance, who we are and our INVESTING — SANDCASTLE FINANCE Investing. Create long term Sustainable Wealth with Property. It is our number one goal to help our clients accumulate more properties, in order to have the lifestyle you deserve in your retirement. We know that passive income from property will allow you to live how you want to live without relying on inadequate government pension. HOME LOANS — SANDCASTLE FINANCE Fixed or Variable Home Loans . The basic interest rate on a home loan is known as the standard variable rate. The rate is calculated using the interest rate set by the Reserve Bank of Australia, which changes according to economic criteria set by the Bank. CONTACT US — SANDCASTLE FINANCE Book your no-obligation complimentary call. Click here to find a time that suits you. Beaches Financial Planners, 319 Condamine St, Manly Vale NSW 2093. 0400 570 051. sally@sandcastlefinance.com.au. Name *.

First Name.

BLOG — SANDCASTLE FINANCE The IMF also expects Australia’s economy will contract by 6.7 percent in 2020 and then rebound by 6.1 percent in 2021, assuming that measures to contain the virus are successful. You may have been concerned about the impact of COVID19 on property values. And recently economists and property experts have weighed in with their views as

well.

BUSINESS FINANCE

Find the right funding option for your business needs. Growth opportunities and unexpected challenges pop up when you’re running a business. And when it comes to having access to extra funds, timing makes all the difference. That’s why we offer funding within 24 hours of $5,000 to $300,000, and with cash flow friendly repayments. COVID19 RESPONSE & RESOURCES In a matter of a few short weeks, COVID-19 / Coronavirus has thrown the country into turmoil. We are getting emails and phone calls about our clients and friends losing their ability to FAQS — SANDCASTLE FINANCE Sandcastle Finance will help you complete the loan application form. We will professionally package your application with all the supporting evidence and lodge it (in many cases electronically) with your chosen lender. Sandcastle Finance uses Flex software which has programmed each of the lenders’ lending criteria into its software

so that

TERMS CONDITIONS

Operator of the Website. This site is owned and operated by Sandcastle Finance & Insurance Pty Ltd. Sandcastle . General Statement. The following Terms and Conditions regulate your use of our website.

SANDCASTLE FINANCE

Whether refinancing, buying your first home or building your investment portfolio, we help you find right solution for your

lifestyle goals.

ABOUT US — SANDCASTLE FINANCE Sally currently mentors up and coming professionals in the finance broking industry sharing her 14+ years experience in the industry. Sandcastle Finance currently manage over $100 million worth of loans. For more detail about Sandcastle Finance, who we are and our INVESTING — SANDCASTLE FINANCE Investing. Create long term Sustainable Wealth with Property. It is our number one goal to help our clients accumulate more properties, in order to have the lifestyle you deserve in your retirement. We know that passive income from property will allow you to live how you want to live without relying on inadequate government pension. HOME LOANS — SANDCASTLE FINANCE Fixed or Variable Home Loans . The basic interest rate on a home loan is known as the standard variable rate. The rate is calculated using the interest rate set by the Reserve Bank of Australia, which changes according to economic criteria set by the Bank. CONTACT US — SANDCASTLE FINANCE Book your no-obligation complimentary call. Click here to find a time that suits you. Beaches Financial Planners, 319 Condamine St, Manly Vale NSW 2093. 0400 570 051. sally@sandcastlefinance.com.au. Name *.

First Name.

BLOG — SANDCASTLE FINANCE The IMF also expects Australia’s economy will contract by 6.7 percent in 2020 and then rebound by 6.1 percent in 2021, assuming that measures to contain the virus are successful. You may have been concerned about the impact of COVID19 on property values. And recently economists and property experts have weighed in with their views as

well.

BUSINESS FINANCE

Find the right funding option for your business needs. Growth opportunities and unexpected challenges pop up when you’re running a business. And when it comes to having access to extra funds, timing makes all the difference. That’s why we offer funding within 24 hours of $5,000 to $300,000, and with cash flow friendly repayments. COVID19 RESPONSE & RESOURCES In a matter of a few short weeks, COVID-19 / Coronavirus has thrown the country into turmoil. We are getting emails and phone calls about our clients and friends losing their ability to FAQS — SANDCASTLE FINANCE Sandcastle Finance will help you complete the loan application form. We will professionally package your application with all the supporting evidence and lodge it (in many cases electronically) with your chosen lender. Sandcastle Finance uses Flex software which has programmed each of the lenders’ lending criteria into its software

so that

TERMS CONDITIONS

Operator of the Website. This site is owned and operated by Sandcastle Finance & Insurance Pty Ltd. Sandcastle . General Statement. The following Terms and Conditions regulate your use of our website. INVESTING — SANDCASTLE FINANCE Investing. Create long term Sustainable Wealth with Property. It is our number one goal to help our clients accumulate more properties, in order to have the lifestyle you deserve in your retirement. We know that passive income from property will allow you to live how you want to live without relying on inadequate government pension. COVID19 RESPONSE & RESOURCES In a matter of a few short weeks, COVID-19 / Coronavirus has thrown the country into turmoil. We are getting emails and phone calls about our clients and friends losing their ability to

PERSONAL FINANCE

A personal loan is often used to consolidate debts into a single repayment or pay for bigger expenses like home furnishings, weddings, cars or even holidays that would be difficult to pay off within the interest free period on a credit card.

REFINANCING

+ Secure a better interest rate. One of the key reasons home owners choose to refinance their loan is to secure a lower interest rate and reduce their monthly repayments. PROPERTY INVESTMENT GUIDE With real estate investment, you'll often hear two somewhat conflicting philosophies being bandied around. Cash Flow - these are the rental returns that are higher than your outgoings which also include mortgage payments, leaving money in your pocket each month. Capital Growth - this is the favoured strategy to invest for capital growth over cash flow. GUIDE TO PROPERTY INVESTMENT DURING CRISIS More than ever selection of the right investment property is going to be critical. It’s the most important part of successful real estate investing. After you’ve determined your budget, it will be easier to narrow down your search to a particular location that meets your objectives. These are gener PROPERTY MARKET WEAKENS AMID CORONAVIRUS RESTRICTIONS There is more than likely to be a downturn in the property market due to uncertainty: uncertainty of whether people will have a job, the uncertainty of how long we will be housebound for - all this leads to low confidence in the market and house purchases are a high confidence

exchange.

10 POINTS TO CONSIDER BEFORE BUYING YOUR FIRST PROPERTY Having your own property is an excellent dream, but it can be a stressful matter. Knowing the 10 Points to Consider Before Buying Your First Property is surely a big help. 7 THINGS TO KNOW BEFORE YOU BUY AN INVESTMENT PROPERTY While any sort of investment carries risk, planning for the future and considering all its implications can facilitate successful investment. Relatively stable with potential for growth, property is the preferred investment asset for borrowers in Australia. RENTAL YIELD EXPLAINED: WHAT YOU NEED TO KNOW So how do you know if you’re getting a good investment? Rental yield helps you determine a property's value and potential. It measures the profit you've generated from your investment each year as a percentage

value.

SANDCASTLE FINANCE

Whether refinancing, buying your first home or building your investment portfolio, we help you find right solution for your

lifestyle goals.

ABOUT US — SANDCASTLE FINANCE Sally currently mentors up and coming professionals in the finance broking industry sharing her 14+ years experience in the industry. Sandcastle Finance currently manage over $100 million worth of loans. For more detail about Sandcastle Finance, who we are and our INVESTING — SANDCASTLE FINANCE Investing. Create long term Sustainable Wealth with Property. It is our number one goal to help our clients accumulate more properties, in order to have the lifestyle you deserve in your retirement. We know that passive income from property will allow you to live how you want to live without relying on inadequate government pension. HOME LOANS — SANDCASTLE FINANCE Fixed or Variable Home Loans . The basic interest rate on a home loan is known as the standard variable rate. The rate is calculated using the interest rate set by the Reserve Bank of Australia, which changes according to economic criteria set by the Bank. CONTACT US — SANDCASTLE FINANCE Book your no-obligation complimentary call. Click here to find a time that suits you. Beaches Financial Planners, 319 Condamine St, Manly Vale NSW 2093. 0400 570 051. sally@sandcastlefinance.com.au. Name *.

First Name.

BLOG — SANDCASTLE FINANCE The IMF also expects Australia’s economy will contract by 6.7 percent in 2020 and then rebound by 6.1 percent in 2021, assuming that measures to contain the virus are successful. You may have been concerned about the impact of COVID19 on property values. And recently economists and property experts have weighed in with their views as

well.

BUSINESS FINANCE

Find the right funding option for your business needs. Growth opportunities and unexpected challenges pop up when you’re running a business. And when it comes to having access to extra funds, timing makes all the difference. That’s why we offer funding within 24 hours of $5,000 to $300,000, and with cash flow friendly repayments. COVID19 RESPONSE & RESOURCES In a matter of a few short weeks, COVID-19 / Coronavirus has thrown the country into turmoil. We are getting emails and phone calls about our clients and friends losing their ability to FAQS — SANDCASTLE FINANCE Sandcastle Finance will help you complete the loan application form. We will professionally package your application with all the supporting evidence and lodge it (in many cases electronically) with your chosen lender. Sandcastle Finance uses Flex software which has programmed each of the lenders’ lending criteria into its software

so that

TERMS CONDITIONS

Operator of the Website. This site is owned and operated by Sandcastle Finance & Insurance Pty Ltd. Sandcastle . General Statement. The following Terms and Conditions regulate your use of our website.

SANDCASTLE FINANCE

Whether refinancing, buying your first home or building your investment portfolio, we help you find right solution for your

lifestyle goals.

ABOUT US — SANDCASTLE FINANCE Sally currently mentors up and coming professionals in the finance broking industry sharing her 14+ years experience in the industry. Sandcastle Finance currently manage over $100 million worth of loans. For more detail about Sandcastle Finance, who we are and our INVESTING — SANDCASTLE FINANCE Investing. Create long term Sustainable Wealth with Property. It is our number one goal to help our clients accumulate more properties, in order to have the lifestyle you deserve in your retirement. We know that passive income from property will allow you to live how you want to live without relying on inadequate government pension. HOME LOANS — SANDCASTLE FINANCE Fixed or Variable Home Loans . The basic interest rate on a home loan is known as the standard variable rate. The rate is calculated using the interest rate set by the Reserve Bank of Australia, which changes according to economic criteria set by the Bank. CONTACT US — SANDCASTLE FINANCE Book your no-obligation complimentary call. Click here to find a time that suits you. Beaches Financial Planners, 319 Condamine St, Manly Vale NSW 2093. 0400 570 051. sally@sandcastlefinance.com.au. Name *.

First Name.

BLOG — SANDCASTLE FINANCE The IMF also expects Australia’s economy will contract by 6.7 percent in 2020 and then rebound by 6.1 percent in 2021, assuming that measures to contain the virus are successful. You may have been concerned about the impact of COVID19 on property values. And recently economists and property experts have weighed in with their views as

well.

BUSINESS FINANCE

Find the right funding option for your business needs. Growth opportunities and unexpected challenges pop up when you’re running a business. And when it comes to having access to extra funds, timing makes all the difference. That’s why we offer funding within 24 hours of $5,000 to $300,000, and with cash flow friendly repayments. COVID19 RESPONSE & RESOURCES In a matter of a few short weeks, COVID-19 / Coronavirus has thrown the country into turmoil. We are getting emails and phone calls about our clients and friends losing their ability to FAQS — SANDCASTLE FINANCE Sandcastle Finance will help you complete the loan application form. We will professionally package your application with all the supporting evidence and lodge it (in many cases electronically) with your chosen lender. Sandcastle Finance uses Flex software which has programmed each of the lenders’ lending criteria into its software

so that

TERMS CONDITIONS

Operator of the Website. This site is owned and operated by Sandcastle Finance & Insurance Pty Ltd. Sandcastle . General Statement. The following Terms and Conditions regulate your use of our website. INVESTING — SANDCASTLE FINANCE Investing. Create long term Sustainable Wealth with Property. It is our number one goal to help our clients accumulate more properties, in order to have the lifestyle you deserve in your retirement. We know that passive income from property will allow you to live how you want to live without relying on inadequate government pension. COVID19 RESPONSE & RESOURCES In a matter of a few short weeks, COVID-19 / Coronavirus has thrown the country into turmoil. We are getting emails and phone calls about our clients and friends losing their ability to

PERSONAL FINANCE

A personal loan is often used to consolidate debts into a single repayment or pay for bigger expenses like home furnishings, weddings, cars or even holidays that would be difficult to pay off within the interest free period on a credit card.

REFINANCING

+ Secure a better interest rate. One of the key reasons home owners choose to refinance their loan is to secure a lower interest rate and reduce their monthly repayments. PROPERTY INVESTMENT GUIDE With real estate investment, you'll often hear two somewhat conflicting philosophies being bandied around. Cash Flow - these are the rental returns that are higher than your outgoings which also include mortgage payments, leaving money in your pocket each month. Capital Growth - this is the favoured strategy to invest for capital growth over cash flow. GUIDE TO PROPERTY INVESTMENT DURING CRISIS More than ever selection of the right investment property is going to be critical. It’s the most important part of successful real estate investing. After you’ve determined your budget, it will be easier to narrow down your search to a particular location that meets your objectives. These are gener PROPERTY MARKET WEAKENS AMID CORONAVIRUS RESTRICTIONS There is more than likely to be a downturn in the property market due to uncertainty: uncertainty of whether people will have a job, the uncertainty of how long we will be housebound for - all this leads to low confidence in the market and house purchases are a high confidence

exchange.

10 POINTS TO CONSIDER BEFORE BUYING YOUR FIRST PROPERTY Having your own property is an excellent dream, but it can be a stressful matter. Knowing the 10 Points to Consider Before Buying Your First Property is surely a big help. 7 THINGS TO KNOW BEFORE YOU BUY AN INVESTMENT PROPERTY While any sort of investment carries risk, planning for the future and considering all its implications can facilitate successful investment. Relatively stable with potential for growth, property is the preferred investment asset for borrowers in Australia. RENTAL YIELD EXPLAINED: WHAT YOU NEED TO KNOW So how do you know if you’re getting a good investment? Rental yield helps you determine a property's value and potential. It measures the profit you've generated from your investment each year as a percentage

value.

SANDCASTLE FINANCE

Whether refinancing, buying your first home or building your investment portfolio, we help you find right solution for your

lifestyle goals.

INVESTING — SANDCASTLE FINANCE Investing. Create long term Sustainable Wealth with Property. It is our number one goal to help our clients accumulate more properties, in order to have the lifestyle you deserve in your retirement. We know that passive income from property will allow you to live how you want to live without relying on inadequate government pension. ABOUT US — SANDCASTLE FINANCE Sally currently mentors up and coming professionals in the finance broking industry sharing her 14+ years experience in the industry. Sandcastle Finance currently manage over $100 million worth of loans. For more detail about Sandcastle Finance, who we are and our HOME LOANS — SANDCASTLE FINANCE Fixed or Variable Home Loans . The basic interest rate on a home loan is known as the standard variable rate. The rate is calculated using the interest rate set by the Reserve Bank of Australia, which changes according to economic criteria set by the Bank. CONTACT US — SANDCASTLE FINANCE Book your no-obligation complimentary call. Click here to find a time that suits you. Beaches Financial Planners, 319 Condamine St, Manly Vale NSW 2093. 0400 570 051. sally@sandcastlefinance.com.au. Name *.

First Name.

BUSINESS FINANCE

Find the right funding option for your business needs. Growth opportunities and unexpected challenges pop up when you’re running a business. And when it comes to having access to extra funds, timing makes all the difference. That’s why we offer funding within 24 hours of $5,000 to $300,000, and with cash flow friendly repayments. BLOG — SANDCASTLE FINANCE The IMF also expects Australia’s economy will contract by 6.7 percent in 2020 and then rebound by 6.1 percent in 2021, assuming that measures to contain the virus are successful. You may have been concerned about the impact of COVID19 on property values. And recently economists and property experts have weighed in with their views as

well.

COVID19 RESPONSE & RESOURCES In a matter of a few short weeks, COVID-19 / Coronavirus has thrown the country into turmoil. We are getting emails and phone calls about our clients and friends losing their ability to FAQS — SANDCASTLE FINANCE Sandcastle Finance will help you complete the loan application form. We will professionally package your application with all the supporting evidence and lodge it (in many cases electronically) with your chosen lender. Sandcastle Finance uses Flex software which has programmed each of the lenders’ lending criteria into its software

so that

TERMS CONDITIONS

Operator of the Website. This site is owned and operated by Sandcastle Finance & Insurance Pty Ltd. Sandcastle . General Statement. The following Terms and Conditions regulate your use of our website.

SANDCASTLE FINANCE

Whether refinancing, buying your first home or building your investment portfolio, we help you find right solution for your

lifestyle goals.

INVESTING — SANDCASTLE FINANCE Investing. Create long term Sustainable Wealth with Property. It is our number one goal to help our clients accumulate more properties, in order to have the lifestyle you deserve in your retirement. We know that passive income from property will allow you to live how you want to live without relying on inadequate government pension. ABOUT US — SANDCASTLE FINANCE Sally currently mentors up and coming professionals in the finance broking industry sharing her 14+ years experience in the industry. Sandcastle Finance currently manage over $100 million worth of loans. For more detail about Sandcastle Finance, who we are and our HOME LOANS — SANDCASTLE FINANCE Fixed or Variable Home Loans . The basic interest rate on a home loan is known as the standard variable rate. The rate is calculated using the interest rate set by the Reserve Bank of Australia, which changes according to economic criteria set by the Bank. CONTACT US — SANDCASTLE FINANCE Book your no-obligation complimentary call. Click here to find a time that suits you. Beaches Financial Planners, 319 Condamine St, Manly Vale NSW 2093. 0400 570 051. sally@sandcastlefinance.com.au. Name *.

First Name.

BUSINESS FINANCE

Find the right funding option for your business needs. Growth opportunities and unexpected challenges pop up when you’re running a business. And when it comes to having access to extra funds, timing makes all the difference. That’s why we offer funding within 24 hours of $5,000 to $300,000, and with cash flow friendly repayments. BLOG — SANDCASTLE FINANCE The IMF also expects Australia’s economy will contract by 6.7 percent in 2020 and then rebound by 6.1 percent in 2021, assuming that measures to contain the virus are successful. You may have been concerned about the impact of COVID19 on property values. And recently economists and property experts have weighed in with their views as

well.

COVID19 RESPONSE & RESOURCES In a matter of a few short weeks, COVID-19 / Coronavirus has thrown the country into turmoil. We are getting emails and phone calls about our clients and friends losing their ability to FAQS — SANDCASTLE FINANCE Sandcastle Finance will help you complete the loan application form. We will professionally package your application with all the supporting evidence and lodge it (in many cases electronically) with your chosen lender. Sandcastle Finance uses Flex software which has programmed each of the lenders’ lending criteria into its software

so that

TERMS CONDITIONS

Operator of the Website. This site is owned and operated by Sandcastle Finance & Insurance Pty Ltd. Sandcastle . General Statement. The following Terms and Conditions regulate your use of our website. ABOUT US — SANDCASTLE FINANCE Sally currently mentors up and coming professionals in the finance broking industry sharing her 14+ years experience in the industry. Sandcastle Finance currently manage over $100 million worth of loans. For more detail about Sandcastle Finance, who we are and INVESTING — SANDCASTLE FINANCE Investing. Create long term Sustainable Wealth with Property. It is our number one goal to help our clients accumulate more properties, in order to have the lifestyle you deserve in your retirement. We know that passive income from property will allow you to live how you want to live without relying on inadequate government pension. COVID19 RESPONSE & RESOURCES In a matter of a few short weeks, COVID-19 / Coronavirus has thrown the country into turmoil. We are getting emails and phone calls about our clients and friends losing their ability to

PERSONAL FINANCE

A personal loan is often used to consolidate debts into a single repayment or pay for bigger expenses like home furnishings, weddings, cars or even holidays that would be difficult to pay off within the interest free period on a credit card. PROPERTY INVESTMENT GUIDE With real estate investment, you'll often hear two somewhat conflicting philosophies being bandied around. Cash Flow - these are the rental returns that are higher than your outgoings which also include mortgage payments, leaving money in your pocket each month. Capital Growth - this is the favoured strategy to invest for capital growth over cash flow. 10 POINTS TO CONSIDER BEFORE BUYING YOUR FIRST PROPERTY Having your own property is an excellent dream, but it can be a stressful matter. Knowing the 10 Points to Consider Before Buying Your First Property is surely a big help. PROPERTY MARKET WEAKENS AMID CORONAVIRUS RESTRICTIONS There is more than likely to be a downturn in the property market due to uncertainty: uncertainty of whether people will have a job, the uncertainty of how long we will be housebound for - all this leads to low confidence in the market and house purchases are a high confidence

exchange.

7 THINGS TO KNOW BEFORE YOU BUY AN INVESTMENT PROPERTY While any sort of investment carries risk, planning for the future and considering all its implications can facilitate successful investment. Relatively stable with potential for growth, property is the preferred investment asset for borrowers in Australia. BUDGETING FOR FIRST HOME BUYERS: WHAT’S THE RIGHT PRICE First Home Buyers must consider the lump sum costs of buying a property ahead of time because a home is simply one of the most expensive purchases anyone will ever make in their life. RENTAL YIELD EXPLAINED: WHAT YOU NEED TO KNOW So how do you know if you’re getting a good investment? Rental yield helps you determine a property's value and potential. It measures the profit you've generated from your investment each year as a percentage

value.

SANDCASTLE FINANCE

Whether refinancing, buying your first home or building your investment portfolio, we help you find right solution for your

lifestyle goals.

ABOUT US — SANDCASTLE FINANCE Sally currently mentors up and coming professionals in the finance broking industry sharing her 14+ years experience in the industry. Sandcastle Finance currently manage over $100 million worth of loans. For more detail about Sandcastle Finance, who we are and our INVESTING — SANDCASTLE FINANCE Investing. Create long term Sustainable Wealth with Property. It is our number one goal to help our clients accumulate more properties, in order to have the lifestyle you deserve in your retirement. We know that passive income from property will allow you to live how you want to live without relying on inadequate government pension. HOME LOANS — SANDCASTLE FINANCE Fixed or Variable Home Loans . The basic interest rate on a home loan is known as the standard variable rate. The rate is calculated using the interest rate set by the Reserve Bank of Australia, which changes according to economic criteria set by the Bank. CONTACT US — SANDCASTLE FINANCE Book your no-obligation complimentary call. Click here to find a time that suits you. Beaches Financial Planners, 319 Condamine St, Manly Vale NSW 2093. 0400 570 051. sally@sandcastlefinance.com.au. Name *.

First Name.

BLOG — SANDCASTLE FINANCE The IMF also expects Australia’s economy will contract by 6.7 percent in 2020 and then rebound by 6.1 percent in 2021, assuming that measures to contain the virus are successful. You may have been concerned about the impact of COVID19 on property values. And recently economists and property experts have weighed in with their views as

well.

COVID19 RESPONSE & RESOURCES In a matter of a few short weeks, COVID-19 / Coronavirus has thrown the country into turmoil. We are getting emails and phone calls about our clients and friends losing their ability to FAQS — SANDCASTLE FINANCE Sandcastle Finance will help you complete the loan application form. We will professionally package your application with all the supporting evidence and lodge it (in many cases electronically) with your chosen lender. Sandcastle Finance uses Flex software which has programmed each of the lenders’ lending criteria into its software

so that

PROPERTY INVESTMENT GUIDE With real estate investment, you'll often hear two somewhat conflicting philosophies being bandied around. Cash Flow - these are the rental returns that are higher than your outgoings which also include mortgage payments, leaving money in your pocket each month. Capital Growth - this is the favoured strategy to invest for capital growth over cash flow.

TERMS CONDITIONS

Operator of the Website. This site is owned and operated by Sandcastle Finance & Insurance Pty Ltd. Sandcastle . General Statement. The following Terms and Conditions regulate your use of our website.

SANDCASTLE FINANCE

Whether refinancing, buying your first home or building your investment portfolio, we help you find right solution for your

lifestyle goals.

ABOUT US — SANDCASTLE FINANCE Sally currently mentors up and coming professionals in the finance broking industry sharing her 14+ years experience in the industry. Sandcastle Finance currently manage over $100 million worth of loans. For more detail about Sandcastle Finance, who we are and our INVESTING — SANDCASTLE FINANCE Investing. Create long term Sustainable Wealth with Property. It is our number one goal to help our clients accumulate more properties, in order to have the lifestyle you deserve in your retirement. We know that passive income from property will allow you to live how you want to live without relying on inadequate government pension. HOME LOANS — SANDCASTLE FINANCE Fixed or Variable Home Loans . The basic interest rate on a home loan is known as the standard variable rate. The rate is calculated using the interest rate set by the Reserve Bank of Australia, which changes according to economic criteria set by the Bank. CONTACT US — SANDCASTLE FINANCE Book your no-obligation complimentary call. Click here to find a time that suits you. Beaches Financial Planners, 319 Condamine St, Manly Vale NSW 2093. 0400 570 051. sally@sandcastlefinance.com.au. Name *.

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BLOG — SANDCASTLE FINANCE The IMF also expects Australia’s economy will contract by 6.7 percent in 2020 and then rebound by 6.1 percent in 2021, assuming that measures to contain the virus are successful. You may have been concerned about the impact of COVID19 on property values. And recently economists and property experts have weighed in with their views as

well.

COVID19 RESPONSE & RESOURCES In a matter of a few short weeks, COVID-19 / Coronavirus has thrown the country into turmoil. We are getting emails and phone calls about our clients and friends losing their ability to FAQS — SANDCASTLE FINANCE Sandcastle Finance will help you complete the loan application form. We will professionally package your application with all the supporting evidence and lodge it (in many cases electronically) with your chosen lender. Sandcastle Finance uses Flex software which has programmed each of the lenders’ lending criteria into its software

so that

PROPERTY INVESTMENT GUIDE With real estate investment, you'll often hear two somewhat conflicting philosophies being bandied around. Cash Flow - these are the rental returns that are higher than your outgoings which also include mortgage payments, leaving money in your pocket each month. Capital Growth - this is the favoured strategy to invest for capital growth over cash flow.

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Operator of the Website. This site is owned and operated by Sandcastle Finance & Insurance Pty Ltd. Sandcastle . General Statement. The following Terms and Conditions regulate your use of our website. INVESTING — SANDCASTLE FINANCE Investing. Create long term Sustainable Wealth with Property. It is our number one goal to help our clients accumulate more properties, in order to have the lifestyle you deserve in your retirement. We know that passive income from property will allow you to live how you want to live without relying on inadequate government pension. COVID19 RESPONSE & RESOURCES In a matter of a few short weeks, COVID-19 / Coronavirus has thrown the country into turmoil. We are getting emails and phone calls about our clients and friends losing their ability to PROPERTY INVESTMENT GUIDE With real estate investment, you'll often hear two somewhat conflicting philosophies being bandied around. Cash Flow - these are the rental returns that are higher than your outgoings which also include mortgage payments, leaving money in your pocket each month. Capital Growth - this is the favoured strategy to invest for capital growth over cash flow. WHAT YOU NEED TO KNOW ABOUT BUYING YOUR FIRST HOME Here at Sandcastle Finance, we help ensure that you are armed with information you need to help you make better decisions towards owning that first home sooner. 10 POINTS TO CONSIDER BEFORE BUYING YOUR FIRST PROPERTY Having your own property is an excellent dream, but it can be a stressful matter. Knowing the 10 Points to Consider Before Buying Your First Property is surely a big help. CREATING WEALTH THROUGH PROPERTY INVESTMENT FINANCING Whether it’s your first home or another addition to your growing property portfolio, we can help - clients save thousands of dollars when it comes to financing property as we understand it’s all about building long term wealth 7 THINGS TO KNOW BEFORE YOU BUY AN INVESTMENT PROPERTY While any sort of investment carries risk, planning for the future and considering all its implications can facilitate successful investment. Relatively stable with potential for growth, property is the preferred investment asset for borrowers in Australia. RENTAL YIELD EXPLAINED: WHAT YOU NEED TO KNOW So how do you know if you’re getting a good investment? Rental yield helps you determine a property's value and potential. It measures the profit you've generated from your investment each year as a percentage

value.

BUDGETING FOR FIRST HOME BUYERS: WHAT’S THE RIGHT PRICE First Home Buyers must consider the lump sum costs of buying a property ahead of time because a home is simply one of the most expensive purchases anyone will ever make in their life. UNDERSTANDING CAPITAL GROWTH AS AN INVESTMENT STRATEGY Investment properties are a long-term financial solution to building wealth. There are several strategies which can be implemented when building a property portfolio, but there is no denying that focusing on capital growth is paramount to ensure long-term success About us Blog Home Loans Refinancing Investing Business Finance CALCULATORS FAQs COVID19 Response & Resources Contact us About us Blog Home Loans Refinancing Investing Business Finance

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COVID19 Response & Resources Contact us BUYING A HOME IS ONE OF THE MOST IMPORTANT DECISIONS YOU'LL MAKE IN YOUR LIFE. WE WORK FOR YOU, NOT FOR THE LENDER TO GET YOU A SIMPLE, HASSLE FREE FINANCIAL RESULT

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REFINANCING? WE'LL TAKE YOU THROUGH ALL THE OPTIONS WITH OVER 30 LENDERS TO SPARE YOU THE HEADACHE.

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AT SANDCASTLE FINANCE WE ARE ALL ABOUT CREATING WEALTH FOR OUR CLIENTS THROUGH PROPERTY INVESTING. FIND OUT HOW PASSIVE INCOME CAN WORK FOR

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