INSIDE THIS ISSUE 01 the benefits of a Wide Bay Australia home loan 02 managing director’s message 02 third Rockhampton branch opens
02 new loans consultant for Tannum Sands/Boyne Island 02 leasing and rentals for business 03 Wide Bay Australia Staff Achievement Awards
03 customer feedback form 04 Wide Bay Australia launches new low fee account
the home loan maze
can be confusing!
That’s why it’s reassuring that our customers are
telling us that they are happy with their home loans!
While we strive to make our home loans AFFORDABLE
and FLEXIBLE the big difference is that there’s always a
REAL PERSON you can talk to who is just a phone call away!
And unlike most banks you won’t be put into a call queue!
You can contact us about your loan from anywhere in Australia on
1300 138 831 for the cost of a local call (a higher charge may apply
for calls from mobile and public phones)
If your current bank, building society or credit union can’t match all this... A real person is available when you need them to answer your
then it’s time for you to open a Today’s Options Account for your everyday banking ! questions, discuss your loan, help you with additional finance, or give
Today’s Options allows you to withdraw using Wide Bay Australia’s branches and you important advice when your circumstances change.
ATM’s, internet and phone banking, B PAY, personal cheques and EF TPOS as many
Some of the benefits of a Wide Bay Home Loan (L1) include:
times as you wish for only $5 a month... plus you’ll get a whole lot more.
“In 1968 you gave me my first
A competitive interest rate - make sure you look at the Comparison Rate when
Make the change to a Today’s Options Account home loan, when our regular bank would not
comparing home loans as this takes into account many ‘hidden costs’. help us, for which I thank you very much.
and start banking your way today!
No monthly or annual loan fees I am one of your happiest fans.
Call 1300 138 831 or visit a Wide Bay Australia branch Mortgage Muncher 100% Offset account - every dollar saves you interest on Stay just the way you are. Even though times have changed
Account available for personal use only - business entities, associations and trusts not eligible. Non-Wide Bay ATM transaction fees, service related and Government fees and charges etc will apply. Wide Bay your loan plus you can take advantage of a range of banking services. Unlike most over the year you still offer that same friendly service
Australia Ltd ABN 40 087 652 060, AFSL No 239686 issues the Today’s Options Account and non-cash payment facilities that may be used in conjunction with this Account. We do not provide advice about this
Account or these facilities based on any consideration of your personal objectives, financial situation or needs. To decide if they are right for you please carefully read the Product Disclosure Statement available other 100% offset accounts you even get the 100% offset on fixed rate loans and that is the hallmark of your success.”
at our branches or www.widebayaust.com.au. Cheque services are available by arrangement with Westpac Banking Corporation ABN 33 007 457 141. BPAY ® registered to BPAY Pty Ltd ABN 69 079 137 518.
Flexible payment options - Principal and Interest or Interest Only payment options D. Fitzgerald ( Boyne Island, Qld )
Wide Bay Australia launches new low fee account! Rate switch allowed - change from a variable rate to a fixed rate at any time
Lump sum or additional payments allowed - no penalty even on fixed rate loans
“ Your service is
There may never be a better time to switch your bank accounts! “We expect it will be very popular and we encourage local people Weekly, fortnightly or monthly payments - your choice
to visit Wide Bay Australia and discuss their personal banking needs first rate... far superior than
Wide Bay Australia has launched a new deposit account that provides Payment “holiday” allowed if in advance “It’s a pity more
fee-free withdrawals. with our friendly local team.” other financial organisations.”
“Of course we still have a range of other transaction, savings and
Interest prepayment allowed banks aren’t like you!” J. Cooper
The Today’s Options Account, available for personal use only,
investment accounts catering to many individual needs.” Free loan statements - up to one per month C. Newman ( Brisbane, Qld )
provides unlimited free Wide Bay Australia withdrawals in return for a
Mr Hancock advised that Wide Bay Australia has also launched a Free phone and internet banking helps you manage your loan (Caloundra, Qld)
flat monthly Account Fee of $5.00.
Free transactions include withdrawals at Wide Bay Australia Branches new business cheque account.
Cashcard for access to giroPost - plus ATM’s and EFTPOS
and ATM’s, Personal Cheque, EFTPOS, Direct Debits, BPAY and The Today’s Business Account allows businesses a higher if you have a Mortgage Muncher “I won’t bank
Internet and Telephone Banking transfers. threshold of cheque deposits and withdrawals and free BPAY - with “ Your staff show anywhere else!”
a competitive $8.00 a month Account Fee. Pay by the month home and contents or landlords insurance the greatest respect and
Ron Hancock, Managing Director, advised that Wide Bay Australia T. Maizey
was one of the first non-bank financial institutions to offer such an He said the new Accounts have been introduced in response to Home Equity or Additional Loan (reduced application fee and requirements) are always helpful.” (Maryborough, Qld)
Account. customers’ needs. Bridging Loan - finance your new property before selling your old one M. Kippen
“Today’s Option’s Account will suit people who struggle to track their “As part of our philosophy of Banking Your Way, we will continue to (Cooroy, Qld )
transaction usage and incur transaction fees as a result.” provide banking and financial services catering to the needs of If you’d like to know more about any of these benefits, or you have a friend or
different parts of the community.” family member considering a home loan, make sure you talk to a Wide Bay Australia “ I’ve never had a
“The Today’s Option’s Account makes it easy to budget a monthly complaint about service since
amount for the cost of your banking”. Loan Consultant. They’re professionals who want to help you! Call us on 1300 138 831.
I began dealing with Wide Bay
* Subject to qualifying criteria.
This comparison is based on Wide Bay Australia’s Wide Bay Home Loan (L1) - our most popular loan type loan benefits may vary between loan types. 27 years ago.”
Wide Bay Australia Ltd ABN 40 087 652 060 AFSL No 239686 HEAD OFFICE Wide Bay Australia House 16-20 Barolin Street Bundaberg Qld 4670 Australia Full details of terms and conditions of our home loans and associated benefits on application. Fees and charges apply.
telephone (07) 4153 7777 facsimile (07) 4153 7714 email firstname.lastname@example.org website www.widebayaust.com.au HOTLINE 1300 138 831 Wide Bay Australia Ltd (AFS Licence No: 239686) issues the “Mortgage Muncher” 100% Offset account and non-cash payment facilities that may be I. Harrison ( Bundaberg, Qld )
used in conjunction with this Account. We do not provide advice about this Account or these facilities based on any consideration of your personal
Disclaimer - The information in this publication has been prepared by Wide Bay Australia Ltd and includes information about Wide Bay’s products and services as well as estimates and forecasts. Wide Bay has made every objectives, financial situation or needs. To decide if they are right for you please carefully read the Product Disclosure Statement available from our
effort to ensure the accuracy of all published information. Full terms and conditions of Wide Bay’s products and services including any applicable fees and charges are available on application. We do not provide advice about branches or our website.
our Account or our Non-Cash Payment facilities based on any consideration of your personal objectives, financial situation or needs. To decide if they are right for you please carefully read the Product Disclosure Statement
available at our branches or www.widebayaust.com.au. The information contained in this publication is collected from a variety of sources, some of them external third parties. The opinions and information provided by those
third parties should not be treated as advice and do not necessarily reflect the views of Wide Bay Australia Ltd. Contents of this publication should not be used as the sole basis for financial decisions. We advise you seek
independent advice. The information is current at date of publication but may change without notice. www.widebayaust.com.au
another example of our commitment
Wide Bay Australia opens a you can nominate To whom it may concer
to meeting your home loan needs...
bought our first home
third Rockhampton branch! a Wide Bay Australia Twelve months ago we h rate, and not missing a weekly repayment,
After 12 months at a hig eir limit (we had to use these to basically
our credit cards were we decided it was time to look at trying to
While some financial institutions have been closing branches, Wide Bay Australia Ltd
has expanded its presence with the opening of a third full service branch at Allenstown staff member for our on for the 12 months) use.
refinance, or sell our ho y Australia’s Morayfiel
Plaza Shopping Centre in south Rockhampton, Central Queensland.
The new branch compliments Wide Bay’s existing branches at East Street, Rockhampton and Staff Achievement Awards! Andrew Hicks and the team at Wide Ba d to us by two people. Not
Caboolture branch had out Wide Bay, we thought “what can we lose”.
Stockland Rockhampton. Wide Bay Australia recognises our staff members in monthly knowing anything ab quiry almost immediat
ely. At our
Ron Hancock, Managing Director said the new branch provides additional service to Wide Bay’s Wide Bay Australia Staff Achievement Awards. These include the
Andrew replied to my initial envery comfortable, and that there may
local customers and give the residents on Rockhampton’s e us feel
first interview, he mad started a new job. When he came back and
Corporate Values Award, Customer Care Award and the High
south side an additional banking option. Achiever Award. d just e moon.
managing director’s be hope for us. I ha help us, we were over th
“We have been part of Rockhampton for over 30 years and
The Corporate Values Award recognises staff who demonstrate told us that Wide Bay was going to ected, but Andrew worked hard,
lower then exp
message the Rockhampton community has played an important
par t in Wide Bay Australia’s development,” he said.
corporate values which include leadership, relationships, Our valuation came in all times.
performance, growth, ambition and flexibility. keeping us informed loan and credit cards.
Thanks to the support of both our new and “In particular, we’ve helped hundreds of Central
Leadership - strong leadership, expertise, innovation and progress We con solidated our existing y is now $50 less than what we were
existing customers - Wide Bay Australia Wide Ba
with our new loan with be at least $500 better of f a month, which
Queenslanders obtain a home of their own, with
continues to show strong growth in lending. are important to Wide Bay Australia and ensure we control our own
competitive and flexible home loans.”
destiny, build our reputation and add to our achievements. paying before . We will
live a little!
The opening of a new branch in Parramatta “Chris Ward, our new Regional Manager and our locally means we can actually ebody, and never spoke
e to us like we were som ly).
in 2004 has seen a significant contribution employed branch teams offer a wide range of home Relationships - our success is built on the relationships we share
to our lending program in New South Wales with our customers, shareholders and each other. We value their Andrew spok enced previous
finance, investment, insurance and banking ser vices.”
loyalty and are committed to providing service excellence. us (which we had experi yfield who has helped bo
thanks to Debbie at Mora wait for the final result, even on
and our lending in Melbourne is also strong. “Our new branch will increase our local presence and we
Performance - we take seriously our commitment to our A special a nailbiting
Many Queensland customers are currently expect many new customers to take advantage of our Vicky Powell and Karen Kime - your new
shareholders, customers and ourselves to be strong and to husband and I through calling her about the same thing. She was
taking advantage of the increased value in competitive range of loans and banking services.”
the days when we re both e would
, and when she said sh
Allenstown customer ser vice consultants
their properties to arrange additional loans consistently perform above and beyond expectations.
pleasant, helpf ul and understandingMorayfield are also very friendly.
d. The tellers at
for investment purposes, home extensions
and improvements or to consolidate other full time home loan consultant Growth - by growing our business, our products and services and our
people we will be leaders in the competitive banking and financial
return our calls, she di
We just wa nt to say a big THAN Australia to everyone we speak to.
K YOU for this opportu
nity, and we
As advised in our Summer edition of “Your appointed in Tannum Sands / Boyne Island services industry.
Ambition - our Board and management team share a drive to succeed
will be recommending
Troy and Karen Beeston ary Q 4505 permission of client
reproduced with the
Way” we are focussing on a steadily Wide Bay Australia has appointed a full time home loan consultant for the Tannum Sands/ as a publicly listed company, as a financial institution, as an employer
29 Grigg Drive, Burpeng
controlled expansion of our branch network. Boyne Island area. Tannum Sands is south of Gladstone in Central Queensland. and as an active member of the community.
In addition to Parramatta, we have just Linda Sendall will be based at Wide Bay Australia’s branch at the Tannum Central shopping complex. Flexibility - being flexible allows us to respond quickly to change, to
opened a new branch at the Allenstown capitalise on opportunities and deliver financial solutions to meet
Linda has a wealth of experience in providing home loans and financial services.
Shopping Centre in south Rockhampton. our customers’ changing needs. High Achiever Award
Until recently, Linda was the Loans Assistant to Wide Bay’s Gladstone Manager
We have also completed negotiations for and Loan Consultant, Cheryl Lee, where she had the opportunity to assist a Customers who believe one of our Wide Bay Australia staff have Wide Bay Australia values branch staff who strive to meet our
premises at Mt Gravatt in Brisbane, where number of local people with home loans and related finance. demonstrated one or more of these qualities can nominate them for customers needs by promoting and selling our products.
it is anticipated that a new branch will be Linda also spent seven and a half years at Wide Bay Australia’s Head Office Loans the award. Simply complete the Customer Comment card below, or The High Achiever Award allows Wide Bay Australia to recognise
open in July 2005. Department which greatly increased her knowledge of lending. She has also send us a letter or email to email@example.com the efforts and contribution of an individual staff
A further branch will be opened in completed a Certificate Four in Financial Services in 1997 and was the recipient Customer Care Award member from within the Wide Bay Australia branch
Camberwell in Melbourne in approximately of the Top National Student Award for her study - the youngest ever recipient. and agency network. Recipients of the award are
Wide Bay Australia promotes service to customers as an important
October 2005 when building construction Linda looks forward to helping new and existing customers. selected based on effort and sales results.
par t of our charter.
at that location is completed.
These branches will have full time loan The Customer Care Award allows Wide Bay Australia to recognise the
consultants as well as retail banking did you know that Wide Bay Australia can assist you and your contribution of an individual staff member from within any level or
part of the organisation.
facilities meaning that our existing
customers in those areas will have easier
access to our full range of banking,
business with leasing or rental finance? Customers who believe they have received an exceptional level of
service may also nominate a Wide Bay Australia staff member by
insurance and financial services and the For example, we can help you arrange finance for new or used : completing the Customer Comment card below , or by sending us a
opportunity to better experience our plant and equipment letter or email to firstname.lastname@example.org
personalised style of business. motor vehicles pictured:
Angela Fing - Senior Customer Service Consultant at Nambour, two time recipient
computers and software of the High Achiever Award for meeting customer needs
office equipment, photocopiers and faxes
telephone, communication and security systems
restaurant and café equipment
farm and earthmoving equipment share your comments with us too! Thank you for taking the time to provide your
fit-outs and furniture ,
Meeting our customers needs is impor tant to us. Any other comments? comments!
cleaning and maintenance equipment At Wide Bay Australia we strive to provide a high level of Your name
medical equipment ser vice and welcome your feedback and ideas on how we can
improve our home loans and service.
You can arrange a lease or rental contract for up to five years. A lease will include a residual
amount to suit your needs. Is there anything we can do to enhance our loan facilities or
ser vices for you? Your Wide Bay Australia Account No.
Alternatively you can rent the item and return it to us at the end of the rental period or make
an offer to purchase the item.
If your business sells new or used business equipment we also offer a personalised leasing
or rental vendor program that can assist you to increase sales, help you get paid faster and Hand this form into a Wide Bay Australia branch
create happy customers. or post in an envelope (no stamp required) to:
For more information contact Bruce Staf f or John McDonald on ( 07 ) 3368 2382 Attn: Executive Manager
or visit w w w.minilease.com.au Wide Bay Australia By completing this form you
Reply Paid 1063 acknowledge that Wide Bay may
use the details provided to contact
Wide Bay Australia Mini Lease Pty Ltd ABN 69 068 790 152 is a subsidiary of Wide Bay Australia Ltd ABN 40 087 652 060 BUNDABERG Qld 4670 you for further information.