Women in Finance Awards

The Women in Finance Awards identifies the leading women across financial services, from business leaders and mentors, to skilled investment managers, to client-centric accountants, financial advisers and mortgage brokers. The winners will represent inspirational high achievers from the financial sector, from today's thought leaders to the stars of tomorrow.

Nominations for the awards are now open.

Learn more.

Resi Market Specialty

Over the last few weeks you may have heard about our new pricing for the Renew/Restart range as well as our market leading offer for Investors on our Flexi Options product, with Investor rates starting at 3.89%.

However, with access to 4 funders via one application process, we can offer solutions for a wide variety of situations, a brief snapshot of those are mentioned below.

Construction specialists:

  • Alt Doc construction
  • Bridging construction
  • Specialist lending construction options.

Commercial Credit approach:

  • In house credit decisioning for loans up to $2m.
  • Access to funding with no credit scoring.
  • Access to two specialist lending funders the fastest growing industry segment over the past 2 years


  • NRAS solutions
  • Non-genuine savings policies as well as flexi approach to establishing genuine savings
  • Flexible maternity leave policy
  • Larger non-income producing properties can be accepted (up to 120 acres)
  • Business purposes accepted
  • SMSF lending

Product Niches:

  • Low cost of entry solution for Near Prime and Specialist Lending. Market leading rates combined with low entry costs.

The Resi range of loans is here to help provide a competitive solution not only for your straight forward Owner occupied and investment loans but for a wide range of situations your clients may face. A copy of our rate card is attached for download here. But, be sure to call the team at to discuss your next scenario, we are here to help you succeed.





Craig Herden

Vow Relationship Manager

0478 537 841


Tony Wakim

Office Based BDM

0416 409 100



Due to sustained funding pressures which have been in place since the start of the year, Pepper Money has been forced to increase variable interest rates for existing customers.

As a result, effective from 6th July rates for existing customers will increase by 0.18%, this is across Pepper Money branding as well as all white label brands, including Resi's Renew & Restart range. There are some exceptions to this:

  • Loans that settled in June 2018
  • Unsettled pipeline
  • Customers whose accounts are more than 90 days in arrears
  • Customers who are in hardship

New customer pricing is unaffected as part of this rate change.

2018 Industry Commercial Masterclass

The whole of the Vow Broker Network have the opportunity to broaden their knowledge in the Commercial & EF product space by registering for the 2018 Industry Commercial Masterclass. The content is led by key leaders in the industry and broking space. All attendees will receive detailed work booklets and CPD hours for attendance.

Three events will be taking place in July in Brisbane, Melbourne and Sydney.

For further information or to register click the link for your city below:

Memorial Golf Day

Following the success of last year's Memorial Day, committee and event organisers are determined to make this year's event bigger and better. Event sponsors include Suncorp, Westpac, ING and Vero with Vow substantially donating to the event.

All proceeds from the day will go directly to the Cancer Council. This day is open to all so please invite clients, friends, associates and family to have a swing and putt, while raising funds for a much needed cause.

Entry is $100 per person which includes lunch, green fees and a donation to go directly to the fundraiser. Can you please register your interest by contacting James Aitchison j.aitchison@premiumbroker.com.au.

More details about the event are available on the flyer, download flyer here.

Macquarie EOFY Home Loan Processing Times

As it is the end of the financial year Macquarie has revised its Home loan processing times. Please see the table outlining this below:

Fastest (25%)


Time to validate documents

1 hour

2 hours

Time to review application

1 hour

2 hours

Business days to formal approval application received with all supporting documents

1 day

2 days

Business days to formal approval application received without all supporting documents

4 days

7 days

Also you can click here to download our new serviceability calculator.

Starting from 1 July 2018, there's a new legislative requirement relating to GST payments for purchases of new residential property or potential residential land. This will impact contracts of sales that have been entered on and from 1 July 2018.

What does this mean? At settlement, it's the purchaser or purchaser's representative's responsibility to pay the applicable GST to the ATO, rather than these funds being paid by the vendor.

Brokers Benefit From E-Conveyancing

Digital Property Settlements are in full swing and are becoming more popular and apparent.

The Chief Executive of Property Exchange Australia (PEXA), Marcus Price, has said "People buying and selling homes will increasingly become aware that there's a better way to exchange property that diminishes delays and other pain points associated with manual settlements,".

Benefits of PEXA may not be direct to Mortgage Brokers but they certainly extend to Brokers via Client experience and Lender processing. Such benefits include:

  • Higher Settlement Success Rate;
  • Earlier settlement times (Starting from 11am);
  • The end of bank cheques and the costs associated;
  • Instantaneous transfer of title and clear funds;
  • Less chance of human error with document validation prior to settlement.

As a Broker looking to achieve the best customer experience please consider the following when assisting Clients:

  • How much experience does the chosen Lender have with Digital Settlements?
  • Is your Clients Conveyancer PEXA certified?
  • Does the Conveyancer have processes in place should a Digital Settlement no longer be an option? E.g. Multi-Jurisdictional Admission.

Luckily for Vow Advisors, Vow Conveyancing has had all team members certified through PEXA for Digital Settlements ensuring that the Conveyancing transactions processed by us are seamless and without issue.

Vow Conveyancing was an early adopter of the technology being one of the first Law Practices in Australia to complete an electronic conveyance and has already processed over 200 PEXA transactions across five (5) States and Territories of Australia.

Remember it's not just great service to your clients, it is also commission that will continue to bolster your diversified income streams.

Want to know more?

Rosemarie Hunt
Relationship Manager
M. 0412 807 235