Vow Voice 9th of November 2017

Vownet, our breakthrough lending platform, was launched at the conference last month. We have now put together a pilot group to test and refine the technology, so that you get the best outcome. This pilot will run over the next two months.

We will then begin offering training and making Vownet available to the network on a state-by-state basis, with Queensland first in Q1 and other states to follow. This staged rollout will ensure we can devote the right level of resources and support all of our broker partners.

We'll continue to provide updates, but if you have any questions in the meantime, please contact your state manager.

Equipment finance and leasing is a great avenue for boosting your bottom line. Whether it's a small business owner upgrading their equipment, or a family buying a new car, boat or caravan, our Vow Leasing team is here to help.

This webinar will provide an outline on:

• What the Vow Equipment Finance and Leasing service offers

• The type of assets they can finance

• How to complete the application forms, and

• Your role and responsibility as a broker

Presented by Robyn Maierhofer, in our Newcastle office, this is a prefect chance to get up to speed on this growing area of opportunity.

Register Now

We are introducing two new P&I Special offers for both Investment and Owner-occupied loans under our fully branded Vow Flexi Options loan! See rate card here.

Key parameters:

• New applications lodged from 6 November 2017 (offer may be changed or withdrawn at any time)

• P&I repayments only, maximum LVR 80% and minimum loan size of $250,000

• Investment variable rate of 3.99% p.a. and Owner-occupied variable rate of 3.79% p.a.

• In-house credit decisions

• Commission payable* is 0.60% upfront with a trail of 0.15%, only a 12 month clawback period

• No ongoing fees unless an offset account is requested, which only comes at a cost of $10 per month.

• Set up costs do apply (not available in conjunction with our valuation and legal fee promo).

• Fully Vow branded product, with the benefits of cross-sale preserved.

With the market shifting to focus on P&I repayments, we are confident that these special offers, especially the investor rate, will help you win more clients across to a Vow product!

We are excited to be able to bring this great offer to market, and should you wish to discuss a scenario with the new expanded team their contact details are showing below.

• Craig Herden, Partnership Manager - Vow : 0478 537 841

• Tony Wakim, Head Office Based BDM: 1800 737 448, press option 3 for `Scenarios'

How does 20% of earnings sound to you?

Refer your clients to Vow's General Insurance team, and not only will you have the peace of mind that the client is being looked after by a team of professionals, we will pay you 20% of the total earnings on the account. This will be paid each year the client renews with us. If they purchase any additional products over time, they will continue to be linked to you and therefore you will continue to earn that income.

Who are we?

We are an insurance brokerage with access to the entire insurance market, both in Australia and overseas. We are part of the Steadfast group which is an industry cluster group that gives us the benefit of strong buying power, white label products, higher commissions, technical support, legal support and many other services.

Below is a list of the insurance products we can provide. Please contact a member of our team below to discuss any of your insurance requirements:

Fetima Abes

Head of General Insurance Operations

Dip Fin Serv (Ins Brok) ANZIIF (Snr Assoc) CIP

T 02 8226 8322

M 0400 330 628

F 02 8226 8201

E fetima.abes@ybr.com.au

Mark Esperida

Account Manager - General Insurance

Dip. Financial Services (Insurance Broking)

T 02 8226 8229

M 0466 110 323

F 02 8226 8201

E mark.esperida@ybr.com.au