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Advantages

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									MACQUARIE FINANCIAL

Advantages
Macquarie Financial Ltd., a member of the Macquarie Group, is a Canadian financial services company focused on funding and servicing insured conventional and high-ratio residential mortgages originated through mortgage brokers.
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Unconditional approvals
Unconditional approvals occur within 24 hours after all documentation has been received.

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Rate Hold Period
Once a fixed-rate application is received, we guarantee the rate for 90 days.

Superior service plus preferred rates equals a higher percentage of renewals
At Macquarie Financial, we believe our application and ongoing processes to be some of the most user-friendly in the marketplace. Our brokers and your customers agree! Here’s why:
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Taxes
At Macquarie Financial, we don’t collect taxes on behalf of the borrower. We don’t require the borrower to establish a tax account. This eliminates those phone calls to you from the lawyer indicating the borrower is short of funds for closing, or the afterclosing call from the borrowers complaining that the mortgage company is deducting double the monthly tax portion. At Macquarie Financial, the borrower simply pays their own taxes.

Committed to the Preferred Rate Mortgage
We don't play the “Posted Rate game” with your clients. They get our Preferred Rate all the time – at time of application and at time of renewal – and you also have the option to buy down our rates.

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Preferred Rate Pricing
Macquarie Financial not only offers all of your clients our competitive Preferred Rate, we now offer further savings on larger loans! High Ratio and Conventional 5 year fixed term mortgages will benefit from “Preferred Rate Pricing” based on loan sizes of 500-999K and 1Million plus.

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Prompt lawyer instruction and no bank account needs to be opened ARM Qualifications
Your client can qualify for an Adjustable Rate Mortgage on our 3-year preferred rate! At any time your client can convert to a closed fixed rate mortgage of equal or greater term at no additional cost.

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Faster approvals
Faster approvals mean higher client and realtor retention, resulting in improved satisfaction and overall more referral business. Files completed in a timely manner allow you to get on with your next deal.

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No Nonsense Renewals
Our model aims at getting you low rates so your client renews with you each and every time.

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We’re on your side!
Build your book of business, through trailer and renewal fees, and get paid on refinancing.

The Macquarie Financial Service Centre
The Macquarie Financial Service Centre provides one point of contact for the caller on issues relating to Sales, Servicing and Underwriting. The Service Centre specialists have direct access to all the computer systems that Macquarie Financial uses. This means a borrower calling to change their payment or convert their mortgage from an ARM to a fixed rate product can be taken care of immediately by a Service Centre specialist. Brokers with questions about their deals are advised as to their status, and lawyers with questions can call the Centre for timely information. Examples of services provided: Special promotions I Information on our products and features I Basic mortgage underwriting criteria I The status of your deal I Modifications to mortgage
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Macquarie Financial Ltd. (MFL) is not an authorized deposit taking institution for the purposes of the Banking Act (Cwth) 1959. MFL’s obligations do not represent deposits or other liabilities of Macquarie Bank Limited ABN 46 008 583 542 (MBL). MBL does not guarantee or otherwise provide assurance in respect of the obligations of MFL, unless noted otherwise. MFL is not regulated as a bank or other financial institution or as a holding company thereof. MFL_BkrKit_EN_051509

MACQUARIE FINANCIAL

Broker Compensation – Trailer Fees
Build Your Relationships
Mortgage brokers own 30% of the market and it’s time you took advantage of the important role you’re playing in the industry. That’s why Macquarie Financial is changing the broker model. The Macquarie Financial Customer Retention model means that the borrower will always be your customer, and we help you build lifelong client relationships.

Trailer Compensation Model
Five Year
I 75 bps Origination Fee I 8 bps Trailer Fee (4X) I 50 bps Renewal Fee I 8 bps Trailer Fee (4X)

Three Year

I 60 bps Origination Fee I 8 bps Trailer Fee (2X) I 25 bps Renewal Fee I 8 bps Trailer Fee (2X)

Build Your Revenues
Most importantly, Macquarie Financial will reward you for building these relationships through our innovative trailer fee model. We pay you a fee at origination, a trailer fee during the term and a straight forward renewal fee and trailer during the renewal term. The Macquarie Financial compensation model lets you build an annuity revenue stream over the life of your customer’s loan.
One Year

I 60 bps Origination Fee I Full Origination Fee for

First Renewal Term

Macquarie Financial Ltd. (MFL) is not an authorized deposit taking institution for the purposes of the Banking Act (Cwth) 1959. MFL’s obligations do not represent deposits or other liabilities of Macquarie Bank Limited ABN 46 008 583 542 (MBL). MBL does not guarantee or otherwise provide assurance in respect of the obligations of MFL, unless noted otherwise. MFL is not regulated as a bank or other financial institution or as a holding company thereof. MFL_BkrKit_EN_051509

MACQUARIE FINANCIAL

Broker Compensation – Upfront Fees
Build Your Relationships
Mortgage brokers who deal with Macquarie Financial have the flexibility to manage their cash flow by selecting the compensation option that suits them best for each mortgage they finalize. Macquarie Financial’s Upfront Fee option offers brokers a lump sum origination commission payment and, unlike other financial institutions, Macquarie Financial pays a straightforward renewal fee, as well as trailer fees over the renewal period.

Upfront Compensation Model
Five Year
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100 bps Origination Fee 50 bps Renewal Fee 8 bps Trailer Fee (4X) 65 bps Origination Fee 25 bps Renewal Fee 8 bps Trailer Fee (2X) 60 bps Origination Fee Full Origination Fee for First Renewal Term

Three Year

One Year

Macquarie Financial Ltd. (MFL) is not an authorized deposit taking institution for the purposes of the Banking Act (Cwth) 1959. MFL’s obligations do not represent deposits or other liabilities of Macquarie Bank Limited ABN 46 008 583 542 (MBL). MBL does not guarantee or otherwise provide assurance in respect of the obligations of MFL, unless noted otherwise. MFL is not regulated as a bank or other financial institution or as a holding company thereof. MFL_BkrKit_EN_051509

MACQUARIE FINANCIAL

High Ratio Mortgage
The Macquarie Financial High Ratio Mortgage offers your clients mortgages with as little as 5% down. Fixed and ARM options are available with flexible payment privileges. High Ratio Highlights
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Loans up to $2 million for purchases and refinances LTV up to 95% Fixed Rate mortgage terms of 1, 3 and 5 years Adjustable Rate mortgage term of 5 years Extended amortization up to 35 years Worry-free Preferred Rate Pricing on new and renewal mortgages Up to 4 units owner occupied; must be borrower's primary residence 20/20 prepayment privileges Flexible payment frequencies Portable and Assumable

Note: All Macquarie Financial products and their features are subject to change without notice.

Now it's easier than ever to get a mortgage!
For detailed information on all Macquarie Financial mortgages, visit the “forms & guidelines” section of our website under “brokers”. Toll Free 877 462 3788 MacquarieFinancial.com We’re on your side.

Macquarie Financial Ltd. (MFL) is not an authorized deposit taking institution for the purposes of the Banking Act (Cwth) 1959. MFL’s obligations do not represent deposits or other liabilities of Macquarie Bank Limited ABN 46 008 583 542 (MBL). MBL does not guarantee or otherwise provide assurance in respect of the obligations of MFL, unless noted otherwise. MFL is not regulated as a bank or other financial institution or as a holding company thereof. MFL_BkrKit_EN_051509

MACQUARIE FINANCIAL

Conventional Mortgage
With as little as 20% down, the Macquarie Financial Conventional Mortgage offers your clients a product free of mortgage insurance premiums. Conventional Highlights
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Loans up to $1.5 million for purchases and refinances LTV up to 80% Fixed Rate mortgage terms of 1, 3 and 5 years Adjustable Rate mortgage term of 5 years No insurance premiums Extended amortization up to 35 years Worry-free Preferred Rate Pricing on new and renewal mortgages Up to 4 units owner occupied; must be borrower's primary residence 20/20 prepayment privileges Flexible payment frequencies Portable and Assumable

Note: All Macquarie Financial products and their features are subject to change without notice.

Now it's easier than ever to get a mortgage!
For detailed information on all Macquarie Financial mortgages, visit the “forms & guidelines” section of our website under “brokers”. Toll Free 877 462 3788 MacquarieFinancial.com We’re on your side.

Macquarie Financial Ltd. (MFL) is not an authorized deposit taking institution for the purposes of the Banking Act (Cwth) 1959. MFL’s obligations do not represent deposits or other liabilities of Macquarie Bank Limited ABN 46 008 583 542 (MBL). MBL does not guarantee or otherwise provide assurance in respect of the obligations of MFL, unless noted otherwise. MFL is not regulated as a bank or other financial institution or as a holding company thereof. MFL_BkrKit_EN_051509

MACQUARIE FINANCIAL

Business for Self Mortgage
The Macquarie Financial Business for Self Mortgage offers your self-employed clients, who may not typically qualify for a mortgage, the opportunity to own a home. Business for Self (ALT A) Highlights
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Loans up to $1 million; purchases and refinances LTV up to 95% Fixed Rate mortgage terms of 1, 3 and 5 years Adjustable Rate mortgage term of 5 years Extended amortization up to 35 years Worry-free Preferred Rate Pricing on new and renewal mortgages “Stated Income” used to qualify debt servicing ratios; income verification documents are required Up to 2 units owner occupied; must be borrower's primary residence Portable and Assumable

Note: All Macquarie Financial products and their features are subject to change without notice.

Now it's easier than ever to get a mortgage!
For detailed information on all Macquarie Financial mortgages, visit the “forms & guidelines” section of our website under “brokers”. Toll Free 877 462 3788 MacquarieFinancial.com We’re on your side.

Macquarie Financial Ltd. (MFL) is not an authorized deposit taking institution for the purposes of the Banking Act (Cwth) 1959. MFL’s obligations do not represent deposits or other liabilities of Macquarie Bank Limited ABN 46 008 583 542 (MBL). MBL does not guarantee or otherwise provide assurance in respect of the obligations of MFL, unless noted otherwise. MFL is not regulated as a bank or other financial institution or as a holding company thereof. MFL_BkrKit_EN_051509

MACQUARIE FINANCIAL

New to Canada Mortgage
The Macquarie Financial New to Canada Mortgage makes it possible for clients relocating to Canada to own their first home. New to Canada Highlights
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Loans up to $2 million for High Ratio and $1.5 million for Conventional purchases LTV up to 95% Fixed Rate mortgage terms of 1, 3 and 5 years Adjustable Rate mortgage term of 5 years Worry-free Preferred Rate Pricing on new and renewal mortgages New relocates and immigrants qualify with no credit history in Canada Only 3 months full time employment history in Canada required to qualify Up to 2 units; at least one must be owner occupied Extended amortization available up to 35 years Portable and Assumable

Note: All Macquarie Financial products and their features are subject to change without notice.

Now it's easier than ever to get a mortgage!
For detailed information on all Macquarie Financial mortgages, visit the “forms & guidelines” section of our website under “brokers”. Toll Free 877 462 3788 MacquarieFinancial.com We’re on your side.

Macquarie Financial Ltd. (MFL) is not an authorized deposit taking institution for the purposes of the Banking Act (Cwth) 1959. MFL’s obligations do not represent deposits or other liabilities of Macquarie Bank Limited ABN 46 008 583 542 (MBL). MBL does not guarantee or otherwise provide assurance in respect of the obligations of MFL, unless noted otherwise. MFL is not regulated as a bank or other financial institution or as a holding company thereof. MFL_BkrKit_EN_051509

MACQUARIE FINANCIAL

Large Loan Program
Macquarie Financial not only offers all of your clients our competitive Preferred Rate, we now offer further savings on larger loans! High Ratio and Conventional 5 year Fixed Term mortgages will benefit from “Preferred Rate Pricing” based on loan sizes of $500-999K and $1 Million plus. Large Loans Highlights
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Fixed Rate mortgage terms of 1, 3 and 5 years Adjustable Rate mortgage term of 5 years High Ratio, Conventional, Business for Self and Investment mortgages Worry-free Preferred Rate Pricing Extended amortization up to 35 years Up to 4 units owner occupied; must be borrower's primary residence 20/20 Prepayment privileges Flexible payment frequencies Portable and Assumable

Note: All Macquarie Financial products and their features are subject to change without notice.

Now it's easier than ever to get a mortgage!
For details and rates on all Macquarie Financial Mortgages, visit the “brokers” section of our website. Toll Free 877 462 3788 MacquarieFinancial.com We’re on your side.

Macquarie Financial Ltd. (MFL) is not an authorized deposit taking institution for the purposes of the Banking Act (Cwth) 1959. MFL’s obligations do not represent deposits or other liabilities of Macquarie Bank Limited ABN 46 008 583 542 (MBL). MBL does not guarantee or otherwise provide assurance in respect of the obligations of MFL, unless noted otherwise. MFL is not regulated as a bank or other financial institution or as a holding company thereof. MFL_BkrKit_EN_051509

MACQUARIE FINANCIAL

Investment (Rental) Mortgage
With the Macquarie Financial Investment (Rental) Mortgage, clients can enter the attractive and growing real estate market for residential investment properties. Investment (Rental) Highlights
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Loans up to $1 million; purchases and refinances LTV up to 90% Up to 4 units non-owner occupied Fixed Rate mortgage terms of 1, 3 and 5 years Adjustable Rate mortgage term of 5 years Extended amortizations up to 35 years Portable and Assumable

Note: All Macquarie Financial products and their features are subject to change without notice.

Now it's easier than ever to get a mortgage!
For detailed information on all Macquarie Financial mortgages, visit the “forms & guidelines” section of our website under “brokers”. Toll Free 877 462 3788 MacquarieFinancial.com We’re on your side.

Macquarie Financial Ltd. (MFL) is not an authorized deposit taking institution for the purposes of the Banking Act (Cwth) 1959. MFL’s obligations do not represent deposits or other liabilities of Macquarie Bank Limited ABN 46 008 583 542 (MBL). MBL does not guarantee or otherwise provide assurance in respect of the obligations of MFL, unless noted otherwise. MFL is not regulated as a bank or other financial institution or as a holding company thereof. MFL_BkrKit_EN_051509

MACQUARIE FINANCIAL

Switch Mortgage Program
Now transferring your clients mortgage is as easy as flipping a switch. Switch/Transfer Highlights
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Conventional and High Ratio mortgages Fixed Rate mortgage terms of 1, 3 and 5 years Adjustable Rate mortgage term of 5 years No appraisal fees Minimum mortgage amount $100,000 No legal fees Worry-free Preferred Rate Pricing on new and renewal mortgages Available in Ontario, British Columbia and Alberta Borrower discharge/admin fees capitalized up to $500 CAD Required Documentation* I Request for Statement form signed by all borrowers I Regular Macquarie Financial credit documents
* Required documents must be recieved a minimum of 10 days
prior to renewal date.

Note: 1. Please inform the borrower that First Canadian Title will be contacting them to facilitate the transfer. 2. All Macquarie Financial products and their features are subject to change without notice.

Now it's easier than ever to switch a mortgage!
For detailed information on all Macquarie Financial mortgages, visit the “forms & guidelines” section of our website under “brokers”. Toll Free 877 462 3788 MacquarieFinancial.com We’re on your side.

Macquarie Financial Ltd. (MFL) is not an authorized deposit taking institution for the purposes of the Banking Act (Cwth) 1959. MFL’s obligations do not represent deposits or other liabilities of Macquarie Bank Limited ABN 46 008 583 542 (MBL). MBL does not guarantee or otherwise provide assurance in respect of the obligations of MFL, unless noted otherwise. MFL is not regulated as a bank or other financial institution or as a holding company thereof. MFL_BkrKit_EN_051509

MACQUARIE FINANCIAL

No Fee Refinance
The Macquarie Financial No Fee Refinance Program offers your clients the opportunity to build wealth and save money too! Help your clients refinance their home faster, more efficiently and with no legal fees1. Whether they refinance for home improvements, debt consolidation, education or investment purposes, the Macquarie Financial No Fee Refinance Program will help make their dreams a reality. Free set up service: I Convenient in-home or in-office document signing service I Standard legal fees1 I Required title searches I Applicable payout statements I Disbursement payout I Automatic deal status email updates Applicable terms & mortgages: 3 and 5 year fixed rate terms I 5 year adjustable rate term I High Ratio, Conventional and Business for Self
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Maximum equity take out: 75% of equity up to $200k I Maximum up to 90% LTV
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All other mortgage features apply: I Worry-free preferred rate pricing I Extended amortization of 35 years I Flexible payment frequencies I Portable and Assumable
Note: 1. The No Fee Refinance program does not include: any required independent legal advice, associated borrower penalties, discharge, administration fees or refinances not processed by First Canadian Title. 2. All Macquarie Financial products and their features are subject to change without notice. Product terms and conditions apply.

Now it's easier than ever to refi your home! For detailed information on all Macquarie Financial mortgages, visit the “broker” section of our website. 1 877 462 3788 MacquarieFinancial.com We’re on your side.

Macquarie Financial Ltd. (MFL) is not an authorized deposit taking institution for the purposes of the Banking Act (Cwth) 1959. MFL’s obligations do not represent deposits or other liabilities of Macquarie Bank Limited ABN 46 008 583 542 (MBL). MBL does not guarantee or otherwise provide assurance in respect of the obligations of MFL, unless noted otherwise. CODE: MFL_NoFeeRefi_EN_042309 MFL is not regulated as a bank or other financial institution or as a holding company thereof.


								
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