Quality product is one of those statements that seems hardly worth saying, because who would say they had the worst products? We offer major bank funded product at cutting edge pricing, we have a fee free product all the time, and we offer loan accounts with 100% offset facilities for savings. The other thing we do is constantly refresh and negotiate better arrangements, and have direct input with the banks we deal with to create changes to products that will help at the coal face of sales. That's our commitment. We give you access to Big Partners. With our relationships and volume of loan approvals, you are part of a major player in the market. We meet with the General Managers of the lenders we work with, and we provide you with the sort of back up you will need in this market in years to come. We are accredited Originators with ANZ Bank, Westpac, Pepper Homeloans and FirstMac. We could have arrangements with any bank we desire that offers Origination programs however we believe too many lenders may simply confuse the issue, and adds nothing to real choice - so we keep our lenders tight and look around regularly to make sure we are still with the market leaders. At the same time we expect and deliver loyalty with our lenders, and seek to build long term mutually beneficial relationships. We provide industry know-how through our vast experience. Our Managing Director is one of the leading strategic thinkers in finance in this country, and has a hands on sales background in the industry as well. In addition to operating a successful growth company in a competitive environment, the management team have performed motivational presentations, produced a long standing radio piece for commercial radio, and are now involved heavily in the leading edge business systems that technology can deliver, including e-commerce facilities on the Internet. Provincial Home Loans and its management are respected in the industry as innovative and success-oriented, producing outstanding results for the company. As with all things in life, timing is important in business. As the Mortgage Origination industry goes through the huge changes that smaller margins and increased competition will bring, it is very important to not only be at the right place at the right time, but to know what to do as well. We have a plan that is working very well, and we feel we have a greater understanding of where the industry is heading than any other Originator. As McDonald's made the change from late night hang out for the young in California in the 1960s to a family restaurant format, the rest of the industry was happy to pick up the wild late crowd they gave away. Thirty years later a sound strategy has paid off. We feel the Mortgage Industry is in the same situation - it has always been our strategy to know our customers and make decisions about the quality of our associations. Good quality lending business is about integrity of purpose. Quality of association is a major factor in success literature. If you pick your partners well, then the opportunities that will arise will be better opportunities. We believe this to be possibly Provincial's strongest suit. Again it is an issue of respect - for yourself and for those you choose to be associated with. We are fussy. Competition, Integrity and Value have always been our creed. The integrity component goes to our ability to know right from wrong, and to do the right thing. This is not always the easy option, and Provincial is not a soft touch. We make the right calls whether they are pleasant or unpleasant - that is our commitment. Honest communication; we'll call it as we see it and listen to all sides, but we will make a decision and get on with the business of life and the life of our business. We seek like minded individuals and companies. An obvious thing that we could not leave out is that we don't charge for our Licenses. Other comparative organisations charge up to $35,000 for a License to operate under their agreements. This is a key strategy. We seek people who add value to our collective strength, not a cash flow injection. You should know nothing is ever free, if you come aboard as a Provincial Home Loans Licensee you will be expected to put in hard. We have high standards for sales success, and we also expect you to learn our simple systems quickly, and contribute to your success by developing plans and strategies for success - not just hoping it will happen. We also add value by allowing you to achieve one of the gold bricks of business development - you get to take advantage of other peoples mistakes already made; namely ours. After reading this, if you still want to be part of our inspired and successful team then tell us about yourself, your aspirations, desires, and experience or qualities you feel you would bring to the task. We will get back to you and discuss the possibility. Begin a lifetime journey with partners who understand that it is this journey rather than the destination that makes it the most important thing it can be - an experience that brings that rare and most sought after commodity in working life, happiness. "Anyone fortunate enough to read this, has been approached by, or is interested in Provincial Home Loans as a business opportunity. And what a business opportunity it is. Some of the many advantages to working as a contractor are: - You get back-up support from Provincial Home Loans,
- Quick payment for work done, plus ongoing annuity that gives you the chance to set income up for life with no limit on your income stream (you get out what you put in),
- A chance to run your own business with back-up and support,
- The opportunity to involve your partner in your business.
This opportunity will help anyone to achieve short, medium and long term goals. I hope this helps make a good decision easier." - Rod Ryan "In my opinion Provincial Home Loans are the best Mortgage Origination Company to be associated with, because of their reputation in the industry together with the incredible level of support they give me as a Licensee. "One of the great things is it is my business that I am running, I make my own decisions, and can develop my business to grow as I want in fact it is the best of both worlds. "With Provincial's innovative payment structure, it is possible to operate my own business without an overdraft. The ongoing monthly loyalty bonuses confirm the fact that my decision to become a Licensee with Provincial Home Loans was the right one. In the seventeen months that I have been with Provincial I have earned much more than I could possible have dreamed to earn in the banking system, and I am on track for my plan to increase my income each year. "Mortgage Origination is an exciting and evolving business, and you don't often get the opportunity to be in on the ground floor. I am thankful to John for giving me this opportunity of a lifetime." - Julianne Brewer
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