CREDIT QUOTE		

DATE OF QUOTE  25-10-2014  	
INTRODUCER DETAILS 	
Business name: Asia Capital Partners Pty Ltd	
Address: 30 Campbell Street, Eastwood NSW 2122	
Phone number: 02 9874 4068	

This document is a quote and provides information about the fees you have agreed to pay to us for our services.

SERVICES	
Australian Credit Licence holder	Beagle Finance Pty Ltd(ACN  140 290 268)	
Address	Level 14, 74 Castlereagh St,  Sydney  NSW 2000	
Phone and e-mail	1800 466 085  lk_support@loankit.com.au	
Australian Credit Licence number	383640	
Credit Representative’s full name	Toong Yeong	
Credit Representative’s number	421195	
Services to be provided	We will attempt to arrange for you the loan / lease specified below:

Loan Amount	$378,000 

Loan Term	30 Years	

APPLICANT DETAILS 	
Name/s 	Anecito Jr Sagrado Mantilla 
Charina Mantilla	
Address/es	17 Valley View  Crescent
Glendale NSW 2285 

FEES AND COMMISSIONS	
Maximum fee or charge payable by you to us. This is the maximum amount payable by you whether or not finance is provided. 	   There are no fees or charges payable by you to us. We do not charge you for our services. 
	
Fees payable to third parties	There are no fees payable by you to us on behalf of third parties.	

1.	ACCEPTANCE
By signing this document, you agree to the terms set out in this Quote. After you have signed this document, you will be provided with a copy of the signed document.

_____________________________			___________________________
Applicant 1 signature					Applicant 2 signature

Anecito Jr Sagrado Mantilla	Charina Mantilla
Applicant 1 name						Applicant 2 name

Date of signature:	Date of signature:

Payment is due at the time service is provided.

Our Bank Account details
Account Name		
BSB Number		
Account Number		

Your Credit Card details
Credit Card Type		
Credit Card Number	
Name on Credit Card	
Expiry Year/Month	

A Tax Invoice will be provided on receipt of payment.

If you have any questions relating to anything in this document, please contact us immediately.

CREDIT PROPOSAL		

INTRODUCER DETAILS	
Business name	Asia Capital Partners Pty Ltd	
Address	30 Campbell Street, Eastwood NSW 2122	
Phone number	02 9874 4068	

+This document provides information about the fees associated with this loan. It also provides information on commissions received by us if you proceed with the proposed finance.

SERVICES	
Australian Credit Licence holder	
Beagle Finance Pty Ltd(ACN  140 290 268)	
Address	
Level 14, 74 Castlereagh St,  Sydney  NSW 2000	
Phone and e-mail	
1800 466 085  lk_support@loankit.com.au	
Australian Credit Licence number	
383640	
Credit Representative’s full name	
Toong Yeong	
Credit Representative’s number	
421195	
Services to be provided	We will attempt to arrange for you the loan/s specified below:	

PROPOSED FINANCE 	
Applicant name/s & Address/es	Anecito Jr Sagrado Mantilla Charina Mantilla
17 Valley View  Crescent
Glendale NSW 2285 
  	
Address/es of security offered	Properties being offered as security 
Property #1: 	17 Valley View Crescent, Glendale NSW 2285  
	
Finance Provider  	St. George	

No. 	Product 	Loan Amount * 	Rate # 	Term 	Repayment Type 	
1 	Standard Variable 	$378,000.00 	  4.99 %pa  Variable 	30 years 	Principal & Interest 
 Monthly repayments of $2,026.88 	

* The quoted loan and repayment amounts include any estimated Lenders Mortgage Insurance (LMI) premium (if applicable).  
# The rate/s quoted above is/are liable to change, unless a Rate Lock option has been taken (see section 1.2 below).

FEES AND COMMISSIONS	
Estimate of commissions to be received by us. This commission is payable to us for assisting you to obtain finance. 	0.7150 % of the Loan Amount or increase in the Loan Amount, if smaller, is payable by your lender to Beagle Finance Pty Ltd(ACN  140 290 268) head office shortly after the finance is provided. We estimate this commission to be $2,703.
A monthly amount ranging from 0.1650% to 0.1650% per annum of the amount still outstanding on your loan. We estimate the largest monthly payment to be $52.
These amounts are inclusive of GST. Both the above amounts will be paid to the Credit Representative (or the business for which the Credit Representative acts) less a small processing fee.
Beagle Finance Pty Ltd as a group may receive additional commissions from volume bonuses referred to in our Credit Guide. The amount of those additional commissions cannot be determined at the date of this document. 
If the finance arranged is repaid for any reason within two years of settlement, the lender may claw back all or a portion of the commission paid to us. In such circumstances, the commission paid to the business owner will also be clawed back.	
Commission will be paid by	   St. George	
Referral Fee	The Credit Representative, or the business for which the Credit Representative acts, has paid, or will pay on settlement of the finance, a fee of $N/A to N/A for referring you to us. This fee is not payable by you.   	
Estimate of the total fees and charges payable to the finance provider in relation to applying for and obtaining the loan. 

These fees and charges are payable by you and are payable once only.	
Bank Fees
Lenders’ Mortgage Insurance premium
	                           	Payable At
$0	Settlement
$0	Settlement
	
	Total 	$0	
	These figures are estimates only. In addition to the fees and charges above, there will be Government fees payable. The final figures will be shown in your credit contract.  You can elect to have some or all of these amounts paid from the finance proceeds. We are not aware of any other fees or charges payable to anyone else in relation to this application for finance, but the lender may impose additional requirements.	
Date of Proposal	25-10-2014	

The information noted above is correct as at the date noted above. Interest rates, repayments and fees may change from those disclosed in this document if the lender changes its interest rates and applicable fees.

1.	ADDITIONAL PROVISIONS
1.1	If the purpose of the proposed finance includes refinancing of an existing credit facility, it is the responsibility of the credit applicant/s to obtain the final payout figure for any credit facility to be refinanced.
1.2	If the proposed finance is to be provided under a Fixed Rate credit product, the credit applicant/s acknowledges the following:
•	The Credit Representative provided to the credit applicant/s the option of taking a Rate Lock facility, under which the Fixed Rate is locked in for a defined period before settlement of the credit facility, subject to payment of any applicable fees and charges. 
•	The decision as to whether to enter into a Rate Lock arrangement is entirely at the discretion of the applicant/s.
•	The applicant/s is aware that the repayment of, or the making of a substantial principal reduction to, a Fixed Rate credit facility, by any means (including a product switch) prior to the expiry of the Fixed Rate period, may incur an interest adjustment (break cost) that is payable to the finance provider.
1.3	The applicant/s confirms that the Credit Representative provided no taxation advice to the applicant/s and did not provide the applicant/s with advice as to economic conditions and the predicted level of interest rates.  
1.4	The applicant/s acknowledge that no indication of approval of the proposed finance by the finance provider has been provided by the Credit Representative and that the applicant/s has been advised to obtain final approval from the finance provider prior to entering into any financial or legal commitment.
1.5	Before you accept a loan offer, you should check the offer carefully to make sure the terms of the loan meet your requirements. The terms of the loan offer may be different to the terms set out in this document. 

2.	ACCEPTANCE

By signing this document, you agree to the terms set out in this Proposal. After you have signed this document, you will be provided with a copy of the signed document.

_____________________________			___________________________
Applicant 1 signature					Applicant 2 signature

Anecito Jr Sagrado Mantilla	Charina Mantilla
Applicant 1 name						Applicant 2 name

Date of signature:	Date of signature:

If you have any questions relating to anything in this document, please contact us immediately.