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Success
Issue 1 - © 2007

In this issue
• When service counts
• Better Business Cards
• Protect your assets
• 7 Key marketing tips
• Make an impression
• Boost your business
• Blogging for lead generation
• Classifieds
• Showcase and much more ... 24 pages

www.brokersuccess.com.au
Back
Welcome
Welcome to this, the
first issue of
Australia's only
electronic broking
magazine, Broker
Success.
Hopefully in this and future issues
you'll get some great tips and find
some products and services that will
make your brokerage firm even
more successful.
Most articles and ads contain
active links so you can click on
them for more information.
With the right tools, knowledge and
attitude every broker has the
opportunity to succeed at a level far
greater then their own expectation.
Broker Success will be published
monthly and each issue published
will be announced through the
Broker Resource.
Contributions are more than
welcome. If you have a contribution
to make simply click here.
Graham Reibelt
Tel: 02 4759-2799
Fax: 02 4759-2696
emaiI: segrau@gmail.com
www.brokersuccess.com.au
www.thebrokerresource.com.au
Editorial and
advertising enquiries
call 02 4759-2799
Broker Success - Issue 1 - 2007 - Page 2
Forward
How to use Broker
Success
Broker Success is a true electronic magazine and as such when you see a
story or a advert you'd like more information on all you need do is click on the
blue information button.
Active information link: In most cases, that will take you to
an information request page where you can indicate what
companies or services you'd
like more information. It's as
simple as that.
As you can see, Broker
Success is a true electronic
magazine that brings information you need to
grow your business in a way that no other
publication can.
Naturally you need to be on-line for the active
information links to work.
In July we are also launching a consumer
mortgage magazine the Mortgage Insider.
Check out page 23 for more information
If you have information that you think
would be of interest to Australian brokers
give us a call on 02 5759-2799 or email it
to: segrau@gmail.com.au.
Click chapter to be taken to it
3. When Services Counts
4. Good bye clawbacks
5. Blogging for leads
6. Boost your business
In this issue
7. Make your office a better place
8. PMP Serving you
9. Better business cards
10. Make your presence felt
11. Staying in touch
12. Do you look like everyone else
14. Aggregator protects brokers
15. Protect your assets
16. Make an impression
17. 7 Marketing Tips
19. How to write a press release
20. Letterhead of the 21st Century
21. Health and Fitness
22. Broker Wheels
23. Classifieds
24. Showcase
www.thebrokerresource.com.au
Back Back to contents Forward

When service counts

Australian Finance & Leasing maximise an advance or assist with business activities are viable.
Ltd has been raising funds from the acquisition of business assets Regulated/coded loans are only
the public for the last 10 years (even livestock) associated with the considered with evidence of
and on-lending those monies as transaction. serviceability.
second mortgages and What are our interest rates? Are past credit issues a problem?
equipment finance (chattel Interest rates for first mortgage loans No, providing we are satisfied those
mortgage etc). To complement are generally in the range of 9.5% to problems are in the applicant’s past.
our lending products 10.5% and How quickly can we settle?
we recently second
established a first mortgages We usually issue an indicative offer
mortgage fund. 15.5% the same day we receive an
depending acceptable proposal. Documents can
• Same day response to issue within 24 hours of valuation and
on the LVR
applications. settlement is generally available
and the
• Urgent residential nature of the within 48 hours of properly executed
settlements in 3 to 4 property. documents being in the hands of our
days. Establishme solicitors.
• Most types of property nt fee are
usually 1% with a minimum of $1,000. Express settlements
in all parts of Australia considered.
against residential
• 2nd mortgages and plant and What application information do security can complete
equipment can be used to enhance to we need? within 3 to 4 days.
loan amount. Our application can be downloaded at
Most loans we consider are for www.afal.com.au
business or investment purposes – but most detailed
although we do provide regulated application forms
(consumer) mortgages subject to with a privacy
evidence of serviceability. acknowledgment
are acceptable.
What type of properties do we For low LVR’s
consider? (65% - 70%) we
Residential, retail, industrial, rural and will accept self
rural lifestyle - virtually any type of certification or an
property considered to have accountant’s letter
appropriate resale potential in a etc, but for higher
forced sale situation. Some leasehold LVR’s we require
properties are considered, but we do more detailed
not finance speculative property evidence of
development or lend against the value income – but not
of development approvals, specialised necessarily tax
securities or growing crops (vines, returns.
orchards, timber plantations). All refinance
How much will we lend? proposals need to
evidence
While our maximum loan is $1.0M the acceptable
amount we lend is dependent on the conduct and all
nature and location of the property advances against
plus the amount of supporting rural security
information provided with the need to have full
application. To achieve the maximum historical financial
loan to value ratios (LVR’s) detailed information and/or
below, the top 10% of the LVR would projections (where
normally be advanced by way of a appropriate),
separate second mortgage loan. evidencing the
Where necessary we can also include borrower’s
the value of plant and equipment to

For more information, click this symbol when ever you see it.
Broker Success - Issue 1 - 2007 - Page 3
Back Back to contents
Goodbye
Clawbacks ...
Hello profits
At Manion Finance Services we pay generous
commissions of at least 0.80% with a 0.25% trail,
and we have no claw backs on any of our
products - we are not an aggregator so full
commissions are passed on to you.
We don’t put our brokers through a long and arduous
accreditation process so you can get started today.
You can reduce rates as you wish up to a maximum of
0.25% by reducing trail or increasing the rate to take
additional trail, however these options should be
discussed with us prior to forwarding an application. All
rates will be quoted upon application.
Manion Finance Services was established over 10 years
ago as a small Brokerage firm in the ACT and since this
time the business has grown rapidly and now holds one
of the largest client portfolios in Australia.
Manion Finance Services has now become the largest
non bank lender in the ACT with over $250m in loans
under direct management.
With a growing staff base of over 15 people and a range
of products, we are well equipped to handle the financial
needs of all your clients.
Our turn around time is among the best in the business
with letters of offer generally sent out within 24 hours of
receiving an application and settlements within 2 weeks
of receiving a valuation.
While we are equipped to handle clients all over Australia
a majority of our clients come from the east coast and we
are now expanding our business throughout Australia.
Manion products include;
• Construction/Development Loans
• Non Conforming Loans
• Commercial Loans
• 105% finance loans
• Leasing Products
• Private Funding Loans
We have improved our 100% home loan and no longer
require genuine savings for property purchase
applications.
Clients can use any source of funds to cover their stamp
duty costs, first home owners grant, gift, borrowed funds
or with stamp duty concessions they may not require any
funds to complete at all.
Our private lenders want their funds lent out so they have
lowered interest rates.
For more information, click this symbol
Broker Success - Issue 1 - 2007 - Page 4
Forward
Goodbye
paperwork.
Hello profit.
Start referring loans today, no
accreditation required.
Why spend time on backroom paperwork when you can spend
more time chasing profitable leads? Refer your loans to Manion
and receive an upfront commission of .8% with an ongoing trail
of .25%. Best of all, you don’t have to be accredited!
At Manion Finance we offer a range of loans incuding low doc
loans, business loans, construction loans and 100% loans. Since
we’re both a mortgage manager and a broker, we’ll have a loan to
suit your clients’ needs at the right rates.
For more information, click here and find out how we can handle
all your paperwork and boost your profits.
With rates starting from 8.50% and any type of security
property considered, our private funds will finance that
hard to set deal.
Terms start from 6 months to 24 months, LVR’s up to
80%, no establishment fees from the lender, appraisal is
used rather than a valuation and loans settled within a
week from the date of appraisal.
Our non-conforming loans will finance that hard to set
deal. With no limit to defaults, judgments etc; we are the
one stop lender to solve all your clients lending needs.
All residential securities considered including serviced
apartments, bed sits and specialised security.
Our 70% No-Doc requires no ABN/ACN loans are aimed
at investors and newly self employed applicants.
Borrowers can even use the funds to buy a new business
that will employ them without any history in the industry.
Clients do not need to declare an income amount they
simply need to confirm they can afford the debt.
With fast approvals and low set up costs why not start
referring today
All residential loans are processed in house
– no need for correspondence with third
parties – the buck stops with us!
when ever you see it.
Back Back to contents Forward

Blogging Did you

for leads know?
There are many productive ways to obtain leads. Scenario on the
Customer referrals, networking groups,
marketing campaigns, mortgage lead Broker Resource
companies, etc. web site has
But now that we are in the 21st century, a new method of 134 lenders
marketing is on the horizon, and it is known as blogging.
waiting to help
Blogs have
become
you.
more than
just sites for This is a free
gathering the
latest news service!
on a
particular www.thebrokerresource.com.au
subject.

A blog can be
used to
market yourself and your product. In fact, I have been
using a blog to market my product for over a year now.

The best part of blogging is, you don’t have to be a rocket

scientist or computer genius to have a blog.

Just find a blogging service on the web, pick a name for

your blog, as well as a template, than begin posting your
information.

What kind of information? You may ask.

Information such as the products and services you have

to offer and a short biography of yourself as well as a
picture.

Once your blog is set up, which takes five minutes by the
way, you can begin to refer people to it immediately.

You can also put it on your business card, and under your
name and address on the e-mails you send.

When talking to a potential customer, end your

conversations by encouraging the person your speaking
with to visit your blog.

Blogs are a new and innovative way to market yourself,

your products, and your services. And, its fun, so give it a
shot.

By Jay Conners has more than fifteen years of

experience in the banking and Mortgage Industry.

For more information, click this symbol when ever you see it.
Broker Success - Issue 1 - 2007 - Page 5
Back Back to contents Forward

Boost your business’ services and

profitability & stand out from the
rest! ..................
As the finance industry continues to become more competitive and customers at large become
more informed and proactive in seeking value added services, success minded finance brokers are
seeking every edge they can get. A growing company called Investas Group claims to be able to
provide a unique difference that can assist progressive brokers in securing a more unique position
amongst the 15,000 plus Australian broker industry.

This service is specifically designed consultant to get going. They organise mortgage manager relationship just
to empower finance brokers to everything from the required PS146 the same as before but have the
become qualified and authorised training to the provision of full sales/ extra ability to provide potential
investment advisors able to efficiently operational and product training, right added value to their clients and
and compliantly deliver investment through to providing an on-call generate additional income from their
strategies and regulated investment support service. They also provide all complementary efforts. Investas
funds, that can help provide further promotional and marketing materials Group has nothing to do with finance
benefits to finance customers and and will even coordinate marketing or loan products. They are an
additional income streams to the campaigns for the broker. All at no investment advisory service, and by
broker. additional cost to the broker. using them a broker’s finance
business will be positively impacted.
Investas Group claims this They don’t create their own
comprehensive system provides a investment products. In fact, they can Continued page 6
range of novel abilities such as… source them from
anywhere within
♣ Being able to build an
the regulated
investment advice and distribution Australian
business progressively, while staying investment
focused on your core finance industry. They say
business. each product
♣ Helping to increase a broker’s must be ASIC
registered and
client base and develop significant
fulfill specific
additional income streams (In fact
requirements
they claim that proactive brokers will
relating to
have the ability with this system to
security, returns,
practically double their income
and terms make
potential.)
the approved
♣ Being able to write new loans product list.
or utilise current untapped loan Effectively being a
accounts more fully, providing member of
additional finance commissions and Investas Group is
trailers. like having an
♣ Providing added value to past, add-on to the
broker’s finance
present, and future customers by business that
integrating enhanced debt reduction doesn’t require
and wealth creation strategies. them to change
♣ Allow for on-going up selling their finance
with no service fees or out of pocket business
cost to the customer. whatsoever. A
broker can easily
Investas Group claims that this keep their
unique system effectively takes care aggregator or
of everything needed for the finance

For more information, click this symbol when ever you see it.
Broker Success - Issue 1 - 2007 - Page 6
Back Back to contents Forward

Make your office a  We committed ourselves to ensure

that the products that we supplied
met the highest ergonomic standards
available and where standards were

great place to work! not available or outdated by the new

Total Package Mngt has been
supplying top quality office,
computer furniture and
computer accessories since
the 1990.
Regardless of office size, we can
supply and fit out according to your
specifications. We continue to create
environments that work, for people at
work. Past clients from Small and
Home Office operations to the larger
Corporate, Government
Departments, shop front service
centres and multi-level Office space,
we can do it all. Including... creating
your unique corporate colour
combinations.
Continued from page 5
Our product range expanded as we
listened and responded to the needs
of our customers and has always
been part of the way we have done
business. Our products not only meet
the demands of the modern
environment, but are built to last a
lifetime.
Products for; Filing & Storage,
Conference, meeting room &
conference, Reception & Waiting
room, Executive & General Office,
Audio, Exhibition & Visual Equipment,
Partitions & Screens, Workstation &
Computer Furniture, Ergonomic &
Back Health Furniture & Accessories,
custom-made and design service
available.
technologies we set new higher
standards. Focusing on ergonomic
functionality. These days virtually
every manufacturer of office furniture
claims to supply ergonomically
designed products, but true expertise
is not as freely available as these
claims.
While our products remain rooted in
ergonomic functionality, increasingly
they are presented with a greater
emphasis on the style that makes
them not only useful, but also usable
and stylish.
The next time you are; , replacing
the broken, relocating your office,
opening a new office, or
refurbishing for an
updated look, contact
Total Package Mngt
now!.

Boost your business’ services and

profitability & stand out from the rest!
This total solution system has been developed over the
last 3 ½ years and has been in effective operation for over
2 ½ years. In the interest of maintaining a level of
exclusivity and broker value Investas Group will only
provide this specialised service to 200 brokers Australia
wide. They are beginning the next phase of their member
recruitment and they expect as awareness grows about
their company and the unique benefits it can provide that
membership applications will hit full capacity by the end of
the calendar year.

A current member of Investas Group, Rick Stanford states

“Investas Group is a highly professional organisation that
has provided me with more possibilities than we could
have hoped for. With strictly limited memberships
available, I know my business will remain unique and with
a significant point of difference my customers will love!”

Managing Director of Investas Group, Steve Rousey adds

“I’ve heard a lot of finance consultants and mortgage
management companies raise concerns about protecting
and retaining their customer base, and the difficulties in
generating new customers and being noticed in the
current marketplace. Investas Group helps solve these
problems in a cost efficient and unique way that works
well with their core finance business
practices. As well as that, we help provide
significant added value to their customers
which is, at the end of the day, what we’re all
about.” Click here to request more info

For more information, click this symbol when ever you see it.
Broker Success - Issue 1 - 2007 - Page 7
Back Back to contents Forward

Professional Mortgage
Providers: serving you.
The last thing you want is to look bad to your clients
because someone ELSE let you down. That’s why you
need the support and service of a lender who always
deliver.
So, you can understand why so many brokers want to
sign on with Professional Mortgage Providers—we’re
becoming the mortgage manager and aggregator of
choice with Australia’s most advanced platforms.
PMP is a 100% Australian private company and a full
member of the Mortgage & Finance Association of
Australia (MFAA) and FBAA.
Most importantly for you though, we provide a
COMMITTED and personal service.
We make it simple for you to offer mortgage broking
services—with a range of systems, tools and marketing
processes to maximise your success and minimise your
workload.
A streamlined system works for you
You’ll appreciate how smoothly everything flows.
Documents are delivered, questions are answered and
loans are settled when you need them to be. That makes
your job easier.
We have a dedicated system that ensures it!
With PMP’s suite of ready marketing letters and
strategies, you have information immediately on hand—
it’s easy to market our products and services to current
and prospective clients.
You’ll also appreciate the help of our knowledgeable staff
when it comes to comparing loans. We can help to show
you which loans will be right for your client’s individual
situation.
With our tracking systems, you’ll know EXACTLY what
stage your client’s application is at, keep them in the loop
—that has the flow on effect to enhance your reputation
with them!
Efficiency and simplicity meet in our straightforward
approval process. You can assure your client that they
will know as soon as possible when their loan is settled.
We also have a range of referral and CRM solutions that
help you build your client base and achieve success! Ask
us about them when we talk.
A range of products
A partnership with PMP means access to our range of
exceptional products, including:
• Residential loans of up to 100% Full Doc, 95% Lo Doc,
80% No Doc;
Contined page 9

For more information, click this symbol when ever you see it.
Broker Success - Issue 1 - 2007 - Page 8
Back Back to contents
Make Your Business Card
More Effective
In my life I have literally collected thousands of business cards. When I look through them, I hardly
remember the person or business at all! Should a business card not reflect who you are and what
your business does?
A proper business card is the first piece of marketing
literature that is handed out. It should definitely have your
name, address, email address and phone number. But I
think that most business cards should have more
information. Most are very poorly designed.
How could we improve on the basic business card? I was
thinking about this and I came up with some suggestions
for the back of your business card:
1. Hard to Find Places - a mini map giving directions to
your premises
2. Takeaways – a miniature menu – remember the 80/20
rule – top sellers only!
3. What about a testimonial?
4. Retail Outlet – what about a discount on presentation
of the card?
Here is another great idea for the back of a business
card: Print:
We met at...
On...
For...
What we discussed...
Referrals...
What about the front?
1. Why not add your picture?
2. Use full colour printing
3. Get a Professional to design it
I firmly believe that all business cards should have a
photograph of the person especially now that they are so
cheap to produce in full colour. Nobody will ever forget
who you are if your picture is on the card!
Your business card is probably the first marketing
material you hand out to somebody you meet for the first
time. It should create a good impression and be a
precursor to a further meeting or conversation by phone.
Business cards are never going to do the selling for you,
but they need to transfer the right impression of who you
are and what your business does. For this you need to
use full colour printing and stay away from the standard
black and white cards.
I would advise people to stay away from laminated cards.
Many people jot down a short note on the back of the
card to help them remember who you are and what was
said. They cannot write on a laminated card!
For more information, click this symbol
Forward
By: Naz Daud
Finally make sure your business card is durable. Pay
slightly more for a thicker or coated card.
How many business cards have you received that
immediately said to you “I am not going to do business
with that person”? Most of them are probably printed in
black and white and on thin cards. Some do not even tell
you what that persons business does!
Most people underestimate how valuable a business card
really is. When you think about the costs involved it really
should be used more
effectively. Make
your business card
stand out so that
people are more
likely to remember
you and get in
touch.
PMP, Continued from page 8
• PMP’s special 105% Basic and Premium Home Loans
that combines a personal loan with a home loan to reduce
interest and give your clients a very welcome borrowing
option;
• Commercial loans of up to 80% Full Doc & 75% Lo Doc;
• Leasing; • Personal loans; • Private equity;
• Development funding;
• Mezzanine finance and many more!
As you’d expect from the company that ensures a better
workday for brokers, all our loans include great
commissions, no clawbacks on commissions and small
fixed aggregation fees!
Plus, you can also offer your clients a choice of 1000
other products from over 30 institutions—giving them
increased flexibility and choice in their loan.
You are our client: At PMP, we take this approach to our
relationship with you: YOU are our client. We have a duty
to provide you with the same dedicated, efficient and
personal service that you give to YOUR clients.
We make promises we keep. We are always ready to get
on the phone with you or your client and give you both
confidence in our products and processes. We will
knowledgably discuss various products and help you
tailor the right packages for your client.
In short? With the support and dedication of PMP,
your workday is simpler, more satisfying and more
successful!
when ever you see it.
Broker Success - Issue 1 - 2007 - Page 9
Back
Make your presence felt - even when
you are not there
If you face a situation
where you have little
opportunity to build a
strong relationship
with your clients,
read on.
I came up with this
idea some time ago
for a commercial
cleaning contractor.
You may be able to
adapt it to your
business.
The problem...
The difficulty was that the
contractor's teams arrived
after hours, when everyone in
his client's office had gone
home. They did what they had
to do and then left. As a result, his
was largely a nameless, faceless
service.
This had three drawbacks.
First, while he could discuss
performance issues at management
level, he could not easily check with
the staff who actually used the desks
to ensure that they were happy with
the service.
Second, as there was no personal
relationship with his clients, when a
competitor came along with a
cheaper price, it was too easy for his
clients to be stolen away. After all,
unless there is something to create a
different perception, a cleaner is a
cleaner is a cleaner.
The solution...
To overcome this, we got his teams
to leave little chocolates, together
For more information, click this symbol
Broker Success - Issue 1 - 2007 - Page 10
Back to contents Forward
Action Plan...
Look for things you can do so that you
are not just taken for granted. Find a
way to build your relationship so that
your clients have a
strong loyalty to your
business—and will stay
with you when
competitors come
knocking.
By Jerry Crockford - Crockford
with a note on each desk. The printed
note was carefully written to highlight
the quality and thoroughness of the
cleaning service.
Next morning, the note reminded the
Industry
employee that the cleaner had been
in. As well as highlighting the service,
it asked the owner of the workstation
News
to leave a message if they needed
anything to be specially cleaned or
done in a different way next visit. The
chocolate was a gift to "Whoever sits
24/7
in this chair".
The only source of
The result...
ever changing
The relationship with his clients was
strengthened considerably. Most news about your
importantly, when management was
wooed by a competitor, the staff
industry and you
would jump to the defence of the
contractor, even though he was not
can access it 24/7!
there. He therefore retained business
that may have otherwise slipped
away.
when ever you see it.
Back
Staying in touch
For any small and medium-
sized business, marketing
themselves in a cost-
effective, systematic way is
one of the most important
activities they can do. Yet, for
many, it ends up being a
difficult, time-consuming and
sometimes expensive
process that can lead to
frustration and failure.
One of the most overlooked areas is
marketing to people you already know
- they may be existing customers, ex-
customers, prospects, referrers,
suppliers, family, friends, networking
contacts.
But how do you maximise the
potential business from people you
know? How do you keep yourself "Top
of Mind" with them on a regular basis
so that when they have a need, they
call you and not the competition?
Newsletters, that's how! A newsletter,
well-designed and written with the
reader's interest in mind, is a proven
way of increasing business from
people and businesses you already
know.
You'll know that most newsletters are
little more than sales brochures - and
are treated as such by the reader.
They are rarely read and seldom
encourage action. Publishers of such
"sales brochure" newsletters are
therefore missing a huge opportunity
to engage their readers with articles
that they are interested in.
What a god newsletter should be
doing is addressing the interests of
the reader, giving them useful
information on home loans and related
areas such as property and personal
finances. We firmly believe that this
"Give Value" approach is the only
effective way of writing any newsletter.
The by-product of producing a
For more information, click this symbol
Back to contents
genuinely interesting newsletter is
that you get to stay in touch with all
of your contacts on a regular basis.
This is an automatic follow-up
system that is extremely time and
cost effective for you to administer.
And, by staying in touch in a useful,
non-salesy way means that when
your contacts have a need that you
can help them with, they are more
likely to get in touch with you.
So now we’ve established that a
high-quality newsletter should form
part of your marketing - but it can
seem just too
difficult to do
yourself. That's
why we've
designed a fully-
finished
newsletter for
Mortgage
Brokers to use in
communicating
with their
contacts -
clients,
prospects,
referrers and
others.
We offer two options - either a
monthly e-mail or quarterly printed
newsletter.
• Each newsletter contains ready-
written topics on a range of home
loan, personal finance and property
issues.
• We add your logo, contact details,
photo (optional) and description of
your company and services
(optional).
• You can add your own message
plus other sections to promote your
business.
• The quarterly print version is
supplied as a high-quality PDF ready
for printing, plus a smaller file for
Forward
loading onto a web-site and/or e-
mailing as an attachment.
Your involvement can be as little as 30
minutes per month, leaving you free to
do other business-generating activities
or to enjoy more leisure time.
The price per month of this service is
extremely cost-effective, costing about
the same as a dinner for two. It is
designed for brokers large and small
who want a proven marketing tool
without the times, expense and hassle
of doing it themselves.
Finally, because we
100% believe in this
service there are no
lengthy contracts to
lock you in - you simply
pay by the
month and
can stop
whenever
you want with
no exit fees.
Peter Griffin - Your
Newsletters
"Newsletters are one of
the most powerful of all marketing
weapons."
Jay Conrad Levinson, Guerilla
Marketing
Editorial and
advertising
enquiries call
02 4759-2799
when ever you see it.
Broker Success - Issue 1 - 2007 - Page 11
Back Back to contents
Do You Look
Like Everyone
Else?
My business is primarily focussed on supplying
newsletters to mortgage brokers in Australia, so
I spend a lot of time looking at their branding,
positioning, yellow pages adverts, websites, etc.
And one thing jumps out at me
all the time – many of them look
the same and say the same
things. They don’t seem to do a
lot to position and differentiate
their company. In other words,
they need to find and
communicate their unique point
of difference in a way that
matters to their prospective
clients.
Finding a difference
As far as the average prospect is concerned, one broker
is very much like another. They offer a wide choice of
lenders, fast service, mobile service seven days a week,
no cost to the borrower, an expertise and career history
in finance.
So if everyone can do pretty much the same thing, how
can you position yourself differently? By not focusing on
what you do, but on how you do it.
How Do You Do It?
Look at the way you deliver your service, the experience
your customer has, how well you communicate through
the process, the way the transaction is completed, the
service after the home loan is settled, the way you
communicate your gratitude for the business, and how
you stay in touch and “add value” to your customer on an
ongoing basis. The little things you do to make you
customer’s life better is what they are looking for.
Here’s an example of what I mean. It’s taken from a
mortgage manager (Pacific Northwest Capital), but a
mortgage broker could easily adapt and apply the same
principles.
Seven Step Customer Care System
The company’s objective is to over-communicate with
their clients so that they have no anxiety, feel
appreciated, and will want to do business with the
company again. The system seeks to overcome the
typical complaint that once a loan application is
submitted there are often communication “Black Spots”
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Broker Success - Issue 1 - 2007 - Page 12
Forward
where the applicants don’t know what’s happening with
the progress of their loan file.
The company takes the view that every applicant, and
everyone else involved in the transaction, should be
“touched” every week from application through to the
closing of the transaction. This is done every Friday via
fax/e-mail. This message outlines the progress that
week, and sets expectations of what will happen in the
following week.
Over and above this basic communication, however, the
company has built their seven step customer care system
with each contact or mailing built around a significant
milestone in the loan process itself.
Included in the system are gifts that somehow relate to
the point in the process – these are
used as rewards, but are always
practical and always branded with the
company’s logo and contact details –
and so will be on display to others.
Step 1 – The Torch Letter
Within two days of receiving the
application, a torch is sent. The
accompanying letter is headed
“Congratulations. You’ve Seen The
Light!” The letter congratulates them for making an
“enlightened” decision, acknowledges the trust placed
with the manager, reminds them of the company’s
credentials (i.e. tackling the “Buyer’s remorse” head on),
and outlining exactly what the applicant can expect in
terms of efficiency and communications. It also
introduces all the people in the mortgage manager’s
office that will be involved with the file.
Step 2 – The Clock Letter
A very important part of the process is to get all the
information needed to process the application as soon as
possible.
This mailing contains a clock (with company name and
contact number prominently displayed). The letter thanks
them again for using the manager’s services, and
acknowledges that they should have already received the
list of items needed in order to move the file forward to
the lender and/or mortgage insurer.
The clock is highlighting that TIME is of the essence.
The letter ends by saying “sit back and have a coffee on
us” and encloses a Gloria Jeans or Starbucks voucher. It
says that the process should be fairly painless, but if they
feel a little stressed out then they can use the voucher to
enjoy a nice, soothing latte.
Step 3 – The StressCheck Ruler Letter
The next milestone is when the file gets passed to the
mortgage insurer. The day the file is passed over, the
manager sends another letter (again with a coffee
voucher) telling the applicant that they are now waiting
for the mortgage insurer to process the application.
Continued page 11
when ever you see it.
Back Back to contents Forward

Continued from page 11

Do You Look Like Everyone Else?
The headline of the letter reads
“Warning – Waiting For Formal Loan
Approval May Be Stressful”.
Enclosed is a white plastic ruler with
a fun-to-use press sensor on the
front, which measures heat and
moisture from a person’s finger, and
then changes colour depending on
how hot (stressed) they are.
benefits of how such a
after the gift basket, to ensure the system will increase
borrower is feeling especially good your business, and this
about all the gifts that they’ve will put the cost into context.
received. It encourages the borrower
to write a testimonial letter. This is
done in the form of a few simple
questions that they could answer in
their letters, and encloses a
stamped, addressed envelope.

The letter goes on to say “Stress Also included is another coffee

Relief Enclosed” and references the voucher to say thankyou for them
coffee voucher. taking the time to forward their

Step 4 – The Portfolio Pouch

Letter
Once the loan has been approved
the manager sends this letter with
gift. The letter congratulates the
applicant on the approval of the loan
and encloses a Portfolio Pouch.
This is simply an oversized plastic or
leather pouch (logo on it of course)
with some company information and
is used to store the legal documents.
The letter encourages the borrower
to use the pouch to store the
mountain of paper that will be
coming their way as the process
moves towards completion.
Step 5 – The Personalised Thank
You Card
A day after the loan closes a unique
thank you card is sent to the
borrower and everyone else involved
in the transaction. The card has the
mortgage manager’s company logo comments to the manager, but also
on it and pictures drawings of homes says the voucher is theirs to use
on the front. A personalised regardless of whether they do
handwritten message is put on the respond. On average about 50% do
inside, and mentions that another gift respond.
will be coming shortly.
Is It Worth It?
Step 6 – The Gift Basket
It seems like a lot of money and
Within five days of the loan closing, effort, but the question to ask is this.
the borrower (and broker or other Can you afford not to do this? Who
referrer of the business, if else is doing it? Would it help to
applicable) receives a very nice cement your relationship with your
basket of fruit, cheeses, and/or wine. clients, increase your application to
The basket contains a small card settlement ratio, and increase repeat
again thanking them for their business and referrals?
business.
As for the total cost of the system,
Step 7 – The Testimonial Request it could be in the order of $80 -
Letter $100. Look at the commission
This letter is sent out a day or two being made upfront and over the
life of the loan, and the bankable

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Broker Success - Issue 1 - 2007 - Page 13
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Aggregator
protects
brokers
As the aggregator of choice with Australia’s leading
platforms, Professional Mortgage Providers is a lender
with a reputation to maintain.
That’s why their focus is on helping you and your clients
in every way—and therefore protecting your best
interests as a broker.
“We offer both our own products and products from over
40 other banks and lenders,” says Dean Mathieson, CEO
of PMP.
“That gives our brokers the option of using our service to
access the bank’s products, or gives their clients the
added flexibility of choosing from our range of products,
like 100% loans and 105% Basic and Premium Access
home loans.”
High levels of service
PMP also ensures that brokers receive the highest levels
of service, and removes
some of the challenges that
brokers could face if they
deal with a bank.
“If current media reports
are anything to go by,
approvals with the bank
might take a long time, or
brokers might find problems with losing their trail fees
when they work with a bank. Worst of all, there are
stories of some brokers and clients receiving below
average service from their bank.
“As a mortgage manager and aggregator, PMP gives our
brokers confidence that these sort of problems won’t
occur.
“Our simple, dedicated approval process for our own
products means that most loans are approved within 48
hours.
“Plus, we operate on a fixed fee basis for all aggregated
loans.
“Many aggregation groups take a fee of up to 25%, but
we keep fees low so our brokers benefit from our
aggregation service!”
Call PMP today to discuss their aggregation service—and
how it will enhance and support your good work with your
clients and your business.
Call us now: 1300 728 248.

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Broker Success - Issue 1 - 2007 - Page 14
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IS PROTECTING YOUR ASSETS

UNETHICAL OR ILLEGAL?
Some people consider asset
protection illegal. But, asset
protection laws were designed for
the very purpose of protecting your
assets from unjust forfeiture.
Some consider asset protection
unethical. I’m not recommending
that you avoid paying a judgment or
fine that you rightfully owe. But, I
want you to be in the position to
make the final verdict on what is fair
and right. When lifetime, incumbent
judges and bleeding-heart juries
stop handing out ludicrous
decisions, then you’ll no longer
need to protect your assets.
Is it unethical to move a few of your
assets beyond the reach of deadbeat lawsuits. You’ve heard them all Ann Thompson,
plaintiffs? Is it immoral to stash away before. Take the responsibility into Asset Protection Specialist
some money to provide for your your own hands now for your own
family in case of a legal emergency? asset security. You can’t put a price
Protecting your assets from “legal on peace of mind.
thieves” is a moral decision.
Don’t be one of
FRIVOLOUS LAWSUITS those people who,
the more they
Please take a moment and pick up
make, the more
your telephone book.
they worry about
Now turn to “Solicitors” in the yellow keeping it. Enjoy
pages. How many full page ads are all you’ve earned
there for personal injury attorneys? with a carefree
attitude toward
Do you know how much money it
government fines,
costs for full page ads in major
lawsuits,
market telephone books? Tens of
judgments and
thousands of dollars. Where do you
asset seizures.
think they get the money to pay for
those ads? Some of them make Don’t count on
enough money off one case alone to your liability
retire. Litigation attorneys aren’t insurance or your
starving! business
corporation to
I hope you never meet any of those
protect your
guys. But, in case you do, I want you
assets. Don’t
to be in control of the negotiation.
count on hiding
When they find that “you own your assets or
nothing” (but control everything) and transferring them
you are a “penniless bum” with your to a friend offshore
liabilities exceeding your assets, to protect them.
they’ll leave dejected. They’ve got Count on yourself
better jackpots than yours. to protect your
assets.
I’ve deliberately left out all the horror
stories in the news about frivolous

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Broker Success - Issue 1 - 2007 - Page 15
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How to Make a Great First

Impression
It is a certain fact that women tend to evaluate or to judge men after they first meet. So, in case you
want to find a date or to start a serious relationship, you have to be very careful when interacting
with women for the first time. As a matter of fact, women always label you, you just don't know it.
So, you'd better start working to make sure that your label is a positive one.
Here is an interesting topic that all Furthermore, you have to smell afraid to show it. Still, there is a very
men out there who are in search of good, as women have a very good thin line between being confident and
dating tips and dating rules for men sense of smell. When thinking about being vain, so be careful.
should perfume, the most important
appreciate. thing is to avoid the cheap So these are the main things that
.. ones. The same rules apply to need your attention before you decide
preparing clothes - try something classic/ to go out there and find a date.
for a date. casual, but of a higher quality, Remember that women's tastes in
Well, the than something cheap, yet men might depend from one girl to
first thing trendy. another, but the above list is a
that I need Secondly, you have to have general guidance that will lead you on
to say is manners. Now this might be the right way when wanting to make a
that once harder than it sounds. great impression from the beginning.
you've By: Craig Rad
asked a Whatever you do, you must
nice lady never
to go out disrespect a
on a date, woman, you
you have
to be
ready and
must never
talk bad in
front of her
Where is a
and you
prepared,
in order to
look and to act perfectly. So, here are
have to
show a lot of
courtesy. Look
great place to
the things that you need to focus
upon when preparing for a date.
Look nice all the time. You never
her in the eyes;
listen to her when
she is talking,
find new
know when you'll meet the woman of show respect,
your dreams, so you have to be
prepared all the time. And yes,
appearance matters. But the truth is
attention, care
and interest. She
will be yours if
products and
services?
that you don't need to look like a you treat her like
male model or like a celebrity, in that the first time
order to make a good impression. you meet.
The most important thing is to be
clean, to look like you take care of Show confidence
yourself and to wear a decent outfit.
Now, this doesn't sound so hard,
does it? But looking good isn't
and strength.
There is nothing
more appealing in
a man that
Showcase
reduced to clothing, as the haircut is looking confident.
even more important. You might be Most women
surprised to know that the safest way appreciate the
to find a date is to look as normal as guys who feel
possible. Most women appreciate good in their skin,
regular guys and few of them who clearly know
appreciate the wild and daring ones, their own value
who wear funky haircuts. and who are not

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Broker Success - Issue 1 - 2007 - Page 16
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7 Mortgage Marketing Tips for

Mortgage Brokers
By Ameen Kamadia
It is my intention that these marketing tips will help you avoid common mistakes made by the
majority of loan writers. Heed this advice.
Mortgage Marketing Tip #1 Make yourself out to be the valuable "He/she is working with a client right
Make your advertising and print professional you are. Make sure that now, let me see if he can take the
media more effective by having a your clients know exactly what you do call."
headline on everything: letters, for them. This does a couple things,
greeting cards, ads, everything. Mortgage Marketing Tip #3 1. Makes you seem busy even if you
Headlines are what get the reader. Write thank you notes to people are not. This shows the client that you
They make them everyday. are in demand and confirms that he
want to read more. made a good decision by choosing
This one mortgage
They tell the reader you.
marketing tool can
what benefit he/she
make you so much 2. Allows you to not talk to people you
will get from
money your head will do not want to talk to
reading more. And
spin. Everyone loves 3. Allows you to say to the caller, if
that's exactly what
to be appreciated you pick up, that they are important
you want them to
and acknowledged. enough to you to interrupt an
do.
Being nice and important client meeting.
Make the headline having manners are
powerful and a thing of the past. This might not be a "traditional"
include a benefit. But when you take mortgage-marketing tool, but it will
the time to thank make you more desirable. And while it
Examples:
someone, you will not make the phone ring more,
3 things you can do connect to them on when it does, you will get respect
today to improve deeper level. from those on the other end of the
your credit. line.
Here's something Get yourself some
thank you cards from Mortgage Marketing Tip #5
you might enjoy…
I started thinking of the stationery store CANI - Constant and Never Ending
you when I read and thank people Improvement
this article… who did something for you today. It Do something everyday to improve
could be for anything, your business. 1 small change
Make sure to include a headline in all
Thank your mailman for bringing the everyday can make a huge difference
your media and it will increase your
mail up to the office in a couple months. Implement one
results.
Thank the underwriter for a speedy mortgage marketing tool at least once
Mortgage Marketing Tip #2 decision a week. At least.
When you do something for a client, Thank your client for calling to say Over the course of a couple years,
brag about it. they would be late the results will be dramatic.
Thank the realtor for the referral.
What I mean is, if you accomplish Just one small thing is enough.
something, make it a big deal.' These cards can make someone's Examples are:
day. And you really stand out from the
"Mr. Hity, I was holding my breath for crowd as a caring mortgage · Hanging a certificate of completion
a while, and that collection on your professional when you use them. on the wall
credit report made it real close, but I
Mortgage Marketing Tip #4 · Hanging a testimonial on the wall
fought for you and got the lender to
approve your loan!" If someone answers your phone for · Adding a signature to your emails
That's a lot better than saying, "Hi, you, have him or her use the · Adding a small consumer article to
your loan was approved today. following line., your website
Congrats." Continued on page 16

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Broker Success - Issue 1 - 2007 - Page 17
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7 Mortgage Marketing Tips for Mortgage

Brokers ... Continued
Mortgage Marketing Tip #6
and use it in your business.
Looking
Look at other businesses for great
ideas to adapt to your business
Most innovations come from other
Mortgage Marketing Tip #7
It doesn't matter how good a loan
officer you are - if you suck at
for
leads?
businesses.
marketing, you will starve.
Like the drive thru window. Who
Knowing how to get clients is
knows who started it, but fast food
infinitely more important than any
places use it, banks use it,
pharmacies use it, and even
other knowledge you may attain. Oasis Broker Network
restaurants are experiencing success Tony Robbins is not the best NLP are looking for brokers
with it. trainer out there, but he is the richest
because he knows how to market
in regional NSW,
What new regional Victoria and
himself.
services do
you use that The Men-Mars, Women-Venus guy is Tasmania.
make your not the best marriage counselor out
life easier? there, but he sure made a killing in If you're based there
Can you books, tapes, and seminars. give Micahel a call on
adapt these How much money you make has very
to your
1300 7676 13
little correlation to how much you
business? know. Of
How about course you
emailing must know
potential the basics,
customers but other than
the interest that, it makes
rate very little
everyday if they request it? Or difference at
Providing a Post-Closing Kit with all.
items clients will need when moving?
He who
You can use the marketing tools from markets
other businesses too. If you see a best, makes
marketing piece that really gets your the most
attention, think about how to adapt it money.

Did you know Scenario

has 134 lenders waiting
to help you?
Did you also know that
Scenario is a free
service?

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Broker Success - Issue 1 - 2007 - Page 18
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How to Craft a Compelling

Press Release
One of the primary tools still used by
PR professionals to garner media
coverage is the press release. Now,
understand the purpose of a press
release is to grab the attention of an
editor, not to offer a word for word
story to a publication. Most
professionals, as well as small
business owners, misunderstand this
concept and are therefore frustrated
when they can't seem to make it work
for them.
If you understand that the purpose of
a press release is to grab attention,
then you might also begin to realize
that there is a bit of an art to writing
an effective one.
This art actually begins with proper
format. It probably shouldn't matter
how you format a good story, but
editor after editor has told me that if a
press release comes to them and is
not properly formatted, it often
doesn't get read. Read that again if
you are bit of a maverick. You want to
read about your company in the news
then you might just have to follow the
rules.
Ultimately, your story will have to
By: John Jantsch
stand on its own, but follow this
accepted format, and you stand a
better chance of making that all
important first impression.
For release timing
The very first thing to appear on your
release is the release date or time. If
your story is for immediate release,
say so - For Immediate Release. If
there is a reason to hold some news
or a seasonal deadline, say so - For
Release Before Halloween. Some
background type releases can also
carry the - Release at Will tag
Contact Information
Don't make it hard for them to get in
touch with you. Right under the
release info state your name,
address, direct phone, and email
address under the heading "For more
information" Remember the real point
is to get them to call you.
The Headline
90% of all advertising effectiveness
rides on the effectiveness of the
headline. It is no different for a press
release. Most readers will decide
whether or not you
have anything to say
based solely on the
grabbing power of
your headline. Pull
them in quickly.
Write 5-6 attention
grabbing headlines
and then put your
release away for day
or so. Come back
and see which ones
still grab you. It is
that important.
Dateline
At the start of the
body of your release,
you are expected to provide some
useful information. First the date of
the release and then the city the
release originates from. Put a dash
after the city and then start the body
of your release. ie: July 18, 2007 -
Newcastle - Today...
Double space
Double space the body of your
release. This probably goes back to
the days when reporters made notes
by pencil in the space between the
lines, but I guess some still do that.
First Paragraph
Okay, so now your headline grabbed
them. Tell them what you're going to
tell them in the first paragraph. Don't
beat around the bush or try to be cute
here. Hit them with your best shot.
Quotes and Credentials
Quotes make for interesting reading.
Try to find a newspaper story without
a quoted source of some sort. Add
your own quotes and then add some
credentials to the person you attribute
the quote to. If it's you and you're a
master plumber with 25 years of
experience, then say so. "The flora
and fauna was breathtaking," said Bill
Sphenkle, one of Kansas City's most
experienced plumbers.
Call to action
If you want them to interview or visit
your website to find out more
information, then say so. Bill Bloggs is
available for interviews. Just don't
hype your company or product.
Nothing gets your release tossed
faster.
End
At the end of your release, add the
symbol - # # #

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Broker information,
Success click&this
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symbol enquiries ever
call you see it.
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Broker Success - Issue 1 - 2007 - Page 19
Back
The Letterhead of the 21st Century By: David Caruso
I have been in business for 16 years
in a variety of industries - but the
common factor for all, was, I would
never let my staff mail out a letter
unless it was on a company
letterhead.
It didn’t matter if that letter was to a
prospective customer, to pay an
account, or to the Prime Minister, any
correspondence leaving our premises
had to be on a letterhead and neatly
presented.
So the question I pose - as a
business owner would you, or do you,
allow your staff to send out company
quotes, mail outs, or even general
correspondence on a plain piece of
paper - or not on company
letterhead? I thought not...
In today’s fast paced world - email
and computer generated
correspondence are fast replacing the
old, print, mail and post scenario
common from yesteryear. Thus it
comes to a great surprise that a
number of small and medium sized
businesses and their owners have not
adapted their circumstances to suit
the modern cyberspace world and
continue to allow their staff to send
out plain paper mail, in an electronic
format, otherwise known as email.
Plain paper email - messages,
correspondence, quotations, and
letters without any company logos or
references.
True Story
My girlfriend was recently sourcing
quotes for some customised shutters
at home.
She had asked 2 companies to quote
- and they both came in
approximately $10 000, (shutters are
expensive these days).
She brought the two quotes home for
us to both make the decision on
which company we would choose to
install them. The first quote I looked
at was professionally presented on
company letterhead and came with
colour brochures and diagrams of the
shutters.
However, the second quote (the least
For more
Broker information,
Success click&this
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Broker Success - Issue 1 - 2007 - Page 20
Back to contents
expensive quote) was on a plain
piece of paper with no logos or
company description. At the bottom it
simply read - Thanks Craig.
My immediate and gut reaction was
to go with the more expensive, better
and professionally presented quote -
as the shutters were costing a small
fortune, I wanted quality work and
needed to deal with a reputable
company.
I was then informed that the second,
cheaper quote had come via email.
That may have been the case - but
how many people are judging you
and your company on the initial
presentation, like I did with my shutter
purchasing decision?
Worse still - how many $10 000 jobs
was this company losing because of
the way they were presenting their
quotes - via a very plain email
format?
Email has come a long way since its
inception as a plain text form of
correspondence.
Today’s email can be a combination
of visually rich images and interactive
elements, clickable links and
interactive forms, which engage the
receiver. Even the more exotic things
can now be done in an Email, such
as embedding sound or video data.
Thus I pose another question? Do
you or your staff currently have a
signature file at the bottom of every
email correspondence generated in
your business? If you are asking what
is a signature file? - Then I am
assuming you don’t.
A signature file is the set of text that
you attach to the end of all of your
emails that identifies you, your
company’s products and services. A
signature file generally contains the
name of the person who is writing the
mail, the business or company name,
preferred means of contacting the
person or the company, and the
information showing the benefits of
contacting the person or the
company.
when
ever
call you see it.
02 4759-2799
Forward
Dynamic Emails however are the next
generation of signature files. A
dynamic email is principally a 21st
century letterhead, incorporating the
basics of a signature file into a fully
interactive letterhead for your
business.
Dynamic emails let you and your staff
• send personalised and professional
emails that are company standard
and consistent
• have visually appealing messages
that make your company stand out
from your competitors.
• incorporate interactive forms or
clickable links to your website
• keep your brand, service or product
top of mind with your clients (become
on-sellers of your business)
• load automatically for ease of use
and control of company branding
• give you an electronic letterhead for
every email message you and your
staff send.
Consistency and standardisation is
the key when you and your staff are
communicating your message to the
outside world.
You could probably build a dynamic
email or letterhead for yourself by
putting a few logos or images on an
email in html format.
Chances are though that either you
will make the resulting file way too
large and it will take forever to
download on the other end (upsetting
the end user) - or the look and design
of your email will not look the same
on the other end (due to different
email applications).
As well there is a good chance of
your email getting picked up by the
SPAM filter.
There are a number of techniques a
professional will use in ensuring that
your company’s’ dynamic emails are
consistent modern day letterheads.
Is it time you invest in some online
stationary?
Back
Health and Fitness
Flex and Stretch Your Way to
Physical Fitness
Flexibility is one of the core
exercises that make up a total
body workout. Unfortunately, it
is often overshadowed by
exercises dedicated to
muscular strength and weight
loss because of the latter's
more visible benefits.
Nevertheless, focus should still
be given to flexibility exercises
as they yields a number of
advantages to people who
perform them regularly.
Benefits of
Flexibility
Exercises
Better Posture – Like muscle
training, flexibility exercises can
also help your body maintain
good posture since stretching
your muscles will ensure that
they are properly aligned.
Move Faster and Better –
Flexibility exercises can also
readily improve your body's
performance and compliment
whatever benefits your body has
gained from aerobics and
muscle training.
Lessened Physical Injury – Just like
other exercises, flexibility can also
significantly reduce the chances and
the seriousness of suffering from
physical injuries.
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Effective Preparation for Strength
Training – Before you can get down
to exercising your muscles and
making them look bigger and feel
stronger, you need to perform the
necessary flexibility exercises.
Flexibility exercises will prepare your
muscles for the workout you intend to
accomplish and lessen the chances
of having strained or sore muscles.
Warming Up and Cooling Down
These two exercises should always
be part of any exercise workout you
are following.
Warm Up – This form of exercises
effectively relaxes muscles and
consequently makes your workout
Forward
easier to accomplish and obtain
quicker results. It also prepares your
body by making sure that all of the
important functions – circulation of
blood, breathing, and nerve
transmission – will adjust effortlessly
to whatever workout you have in
mind.
Cool Down – At the end of your
workout, you will once again have to
relax your muscles and cooling down
is the best way to achieve this.
Cooling down exercises can also
make you feel less dizzy or nauseous
after a demanding workout. It also
allows all important body functions to
resume a normal state in a gradual
process.
Tips to Have Efficient Results from
Flexibility Exercises
Take It Seriously – Flexibility is just as
good as any other exercise so
prepare your body the way you would
before doing aerobics, weights, or
even belly dancing. Allocate the
required time and effort for flexibility
exercises.
Choose a Flexibility Exercise that
Matches Your Capabilities and
Preferences – Flexibility exercises
doesn't have to be relegated to warm-
ups and cooling down exercises
alone. If you can't work up any
interest for those two then look for
other avenues to explore. You can
integrate flexibility exercises, for
instance, with your favorite sports or
use props to make it more interesting.
when ever you see it.
Broker Success - Issue 1 - 2007 - Page 21
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Broker Wheels
The Audi S5
The Audi S5 is a superb athlete in a league of its own. It is a truly unique competitor among high-
performance coupés, thanks to its combination of V8 FSI technology and quattro permanent four-
wheel drive. The eight-cylinder engine with its superb power delivery has worthy counterparts in
the dynamically tuned sports suspension and high-performance brakes. Subtle but clear design
elements inside and out serve to visually reinforce the sporty character.
With these qualities the S5 follows in the Audi S5 is well equipped to golf bags will fit crossways into the
the footsteps of the legendary Audi compete among high-performance Audi A5 boot. The rear seat backrest
quattro. As the pioneer of permanent sports cars and make the occasional folds in two separate sections and
four-wheel features a convenient remote
drive for the release mechanism operated
road, the Audi from the boot.
quattro was The list of options offers even
nothing short more luxury-class high-tech:
of a revolution Audi adaptive light combines
in handling at xenon plus headlights with the
its launch in dynamic cornering light system.
1980. Keyless access for the doors
Moreover, the and boot and keyless engine
Ur-quattro, starting are all features of the
today a prized advanced key system. The
classic car deluxe automatic air
with devoted conditioning system with three
fans, was temperature zones allows the
endowed with passengers to adjust the
superior climate for their individual
power, thanks comfort – in the rear, too. The
to its five-cylinder turbocharged outing onto the race extra-large panoramic tilting roof
engine. In the sports car world of 27 track. lends the A5 an especially generous
years ago its 147 kW (200 bhp) were feeling of open space. The Audi
a clear declaration of sporting intent. Alongside this, however, the S5 is still parking system advanced features a
Later on, in the form of a limited- a spacious grand tourer sports car rearview camera, helping to make
edition Sport quattro, the boxy athlete with four full-size seats, a generous tricky parking in cramped multi-
was fitted with a 306-bhp engine, luggage compartment and a wide storeys easily negotiable.
taking its performance to extreme range of luxury-class comfort
levels. features. The Audi S5 is thus a master Customisation – a made-to-
of both styles – athletic high measure coupé
Today, the new Audi S5 also has performance and effortless
figures that promise superb composure. Coupés in particular have to reflect
performance, although they can only the personal wishes and express the
hint at the exhilarating driving Body – generous and superlatively ideas of their owners. Audi A5
experience it offers: the latest solid customers have a wide selection to
generation of eight-cylinder engine choose from: in terms of design
delivers 260 kW (354 bhp). Its The Audi A5 offers ample space and, variety, the Audi A5 is luxury-class in
maximum torque is 440 Nm – for the rear seat passengers too, is a the full sense of the word, with two
sufficient to propel the Audi S5 to 100 full-size touring car. Likewise, with a types of cloth, two leather varieties,
km/h in just 5.1 seconds. With its luggage compartment volume of 455 the combination of leather and
quattro permanent four-wheel drive, litres, there is always space left over Alcantara, five different inlays, and a
the six-speed gearbox with an for a bit of extra shopping, even on a wide range of interior colour schemes.
optimum set of ratios, the S sports long tour. The loading width of one Above and beyond that, the Audi
suspension for extremely dynamic metre allows easy stowage of large exclusive programme from quattro
handling, and its heavy-duty brakes, items of luggage, and even well-filled GmbH can fulfil virtually any individual
wish.

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EMPLOYMENT EMPLOYMENT

Looking for a Loan Management Centre

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how you can become an Accredited Mortgage Consultant.
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