ÿþ<html xmlns:v="urn:schemas-microsoft-com:vml" xmlns:o="urn:schemas-microsoft-com:office:office" xmlns:w="urn:schemas-microsoft-com:office:word" xmlns:m="http://schemas.microsoft.com/office/2004/12/omml" xmlns="http://www.w3.org/TR/REC-html40"> <head> <meta http-equiv=Content-Type content="text/html; charset=unicode"> <meta name=ProgId content=Word.Document> <meta name=Generator content="Microsoft Word 12"> <meta name=Originator content="Microsoft Word 12"> <link rel=File-List href="faq_files/filelist.xml"> <link rel=Edit-Time-Data href="faq_files/editdata.mso"> <!--[if !mso]> <style> v\:* {behavior:url(#default#VML);} o\:* {behavior:url(#default#VML);} w\:* {behavior:url(#default#VML);} .shape {behavior:url(#default#VML);} </style> <![endif]--> <title>Lifetime Advisers - FAQ</title> <!--[if gte mso 9]><xml> <o:DocumentProperties> <o:Author>Family</o:Author> <o:LastAuthor>Family</o:LastAuthor> <o:Revision>3</o:Revision> <o:TotalTime>1</o:TotalTime> <o:Created>2012-01-29T01:49:00Z</o:Created> <o:LastSaved>2012-01-29T05:29:00Z</o:LastSaved> <o:Pages>3</o:Pages> <o:Words>1325</o:Words> <o:Characters>7557</o:Characters> <o:Lines>62</o:Lines> <o:Paragraphs>17</o:Paragraphs> <o:CharactersWithSpaces>8865</o:CharactersWithSpaces> <o:Version>12.00</o:Version> </o:DocumentProperties> </xml><![endif]--> <link rel=themeData href="faq_files/themedata.thmx"> <link rel=colorSchemeMapping href="faq_files/colorschememapping.xml"> <!--[if gte mso 9]><xml> <w:WordDocument> <w:SpellingState>Clean</w:SpellingState> <w:GrammarState>Clean</w:GrammarState> <w:TrackMoves>false</w:TrackMoves> <w:TrackFormatting/> <w:ValidateAgainstSchemas/> <w:SaveIfXMLInvalid>false</w:SaveIfXMLInvalid> <w:IgnoreMixedContent>false</w:IgnoreMixedContent> <w:AlwaysShowPlaceholderText>false</w:AlwaysShowPlaceholderText> <w:DoNotPromoteQF/> <w:LidThemeOther>EN-AU</w:LidThemeOther> <w:LidThemeAsian>X-NONE</w:LidThemeAsian> <w:LidThemeComplexScript>X-NONE</w:LidThemeComplexScript> <w:Compatibility> <w:BreakWrappedTables/> <w:SnapToGridInCell/> <w:WrapTextWithPunct/> <w:UseAsianBreakRules/> <w:DontGrowAutofit/> <w:SplitPgBreakAndParaMark/> <w:DontVertAlignCellWithSp/> <w:DontBreakConstrainedForcedTables/> <w:DontVertAlignInTxbx/> <w:Word11KerningPairs/> <w:CachedColBalance/> </w:Compatibility> <w:BrowserLevel>MicrosoftInternetExplorer4</w:BrowserLevel> <m:mathPr> <m:mathFont m:val="Cambria Math"/> <m:brkBin m:val="before"/> <m:brkBinSub m:val="&#45;-"/> <m:smallFrac m:val="off"/> <m:dispDef/> <m:lMargin m:val="0"/> <m:rMargin m:val="0"/> <m:defJc m:val="centerGroup"/> <m:wrapIndent m:val="1440"/> <m:intLim m:val="subSup"/> <m:naryLim m:val="undOvr"/> </m:mathPr></w:WordDocument> </xml><![endif]--><!--[if gte mso 9]><xml> <w:LatentStyles DefLockedState="false" DefUnhideWhenUsed="true" DefSemiHidden="true" DefQFormat="false" DefPriority="99" LatentStyleCount="267"> <w:LsdException Locked="false" Priority="0" SemiHidden="false" UnhideWhenUsed="false" QFormat="true" Name="Normal"/> <w:LsdException Locked="false" Priority="9" SemiHidden="false" UnhideWhenUsed="false" QFormat="true" Name="heading 1"/> <w:LsdException Locked="false" Priority="9" SemiHidden="false" UnhideWhenUsed="false" QFormat="true" Name="heading 2"/> <w:LsdException Locked="false" Priority="9" QFormat="true" Name="heading 3"/> <w:LsdException Locked="false" Priority="9" QFormat="true" Name="heading 4"/> <w:LsdException Locked="false" Priority="9" QFormat="true" Name="heading 5"/> <w:LsdException Locked="false" Priority="9" QFormat="true" Name="heading 6"/> <w:LsdException Locked="false" Priority="9" QFormat="true" Name="heading 7"/> <w:LsdException Locked="false" Priority="9" QFormat="true" Name="heading 8"/> <w:LsdException Locked="false" Priority="9" QFormat="true" Name="heading 9"/> <w:LsdException Locked="false" Priority="39" Name="toc 1"/> <w:LsdException Locked="false" Priority="39" Name="toc 2"/> <w:LsdException Locked="false" Priority="39" Name="toc 3"/> <w:LsdException Locked="false" Priority="39" Name="toc 4"/> <w:LsdException Locked="false" Priority="39" Name="toc 5"/> <w:LsdException Locked="false" Priority="39" Name="toc 6"/> <w:LsdException Locked="false" Priority="39" Name="toc 7"/> <w:LsdException Locked="false" Priority="39" Name="toc 8"/> <w:LsdException Locked="false" Priority="39" Name="toc 9"/> <w:LsdException Locked="false" Priority="35" QFormat="true" Name="caption"/> <w:LsdException Locked="false" Priority="10" SemiHidden="false" UnhideWhenUsed="false" QFormat="true" Name="Title"/> <w:LsdException Locked="false" Priority="1" Name="Default Paragraph Font"/> <w:LsdException Locked="false" Priority="11" SemiHidden="false" UnhideWhenUsed="false" QFormat="true" Name="Subtitle"/> <w:LsdException Locked="false" Priority="22" SemiHidden="false" UnhideWhenUsed="false" QFormat="true" Name="Strong"/> <w:LsdException Locked="false" Priority="20" SemiHidden="false" UnhideWhenUsed="false" QFormat="true" Name="Emphasis"/> <w:LsdException Locked="false" Priority="59" SemiHidden="false" UnhideWhenUsed="false" Name="Table Grid"/> <w:LsdException Locked="false" UnhideWhenUsed="false" Name="Placeholder Text"/> <w:LsdException Locked="false" Priority="1" SemiHidden="false" UnhideWhenUsed="false" QFormat="true" Name="No Spacing"/> <w:LsdException Locked="false" Priority="60" SemiHidden="false" UnhideWhenUsed="false" Name="Light Shading"/> <w:LsdException Locked="false" Priority="61" SemiHidden="false" UnhideWhenUsed="false" Name="Light List"/> <w:LsdException Locked="false" Priority="62" SemiHidden="false" UnhideWhenUsed="false" Name="Light Grid"/> <w:LsdException Locked="false" Priority="63" SemiHidden="false" UnhideWhenUsed="false" Name="Medium Shading 1"/> <w:LsdException Locked="false" Priority="64" SemiHidden="false" UnhideWhenUsed="false" Name="Medium Shading 2"/> <w:LsdException Locked="false" Priority="65" SemiHidden="false" UnhideWhenUsed="false" Name="Medium List 1"/> <w:LsdException Locked="false" Priority="66" SemiHidden="false" UnhideWhenUsed="false" Name="Medium List 2"/> <w:LsdException Locked="false" Priority="67" SemiHidden="false" UnhideWhenUsed="false" Name="Medium Grid 1"/> <w:LsdException Locked="false" Priority="68" SemiHidden="false" UnhideWhenUsed="false" Name="Medium Grid 2"/> <w:LsdException Locked="false" Priority="69" SemiHidden="false" UnhideWhenUsed="false" Name="Medium Grid 3"/> <w:LsdException Locked="false" Priority="70" SemiHidden="false" UnhideWhenUsed="false" Name="Dark List"/> <w:LsdException Locked="false" Priority="71" SemiHidden="false" UnhideWhenUsed="false" Name="Colorful Shading"/> <w:LsdException Locked="false" Priority="72" SemiHidden="false" UnhideWhenUsed="false" Name="Colorful List"/> <w:LsdException Locked="false" Priority="73" SemiHidden="false" UnhideWhenUsed="false" Name="Colorful Grid"/> <w:LsdException Locked="false" Priority="60" SemiHidden="false" UnhideWhenUsed="false" Name="Light Shading Accent 1"/> <w:LsdException Locked="false" Priority="61" SemiHidden="false" UnhideWhenUsed="false" Name="Light List Accent 1"/> <w:LsdException Locked="false" Priority="62" SemiHidden="false" UnhideWhenUsed="false" Name="Light Grid Accent 1"/> <w:LsdException Locked="false" Priority="63" SemiHidden="false" UnhideWhenUsed="false" Name="Medium Shading 1 Accent 1"/> <w:LsdException Locked="false" Priority="64" SemiHidden="false" UnhideWhenUsed="false" Name="Medium Shading 2 Accent 1"/> <w:LsdException Locked="false" Priority="65" SemiHidden="false" UnhideWhenUsed="false" Name="Medium List 1 Accent 1"/> <w:LsdException Locked="false" UnhideWhenUsed="false" Name="Revision"/> <w:LsdException Locked="false" Priority="34" SemiHidden="false" UnhideWhenUsed="false" QFormat="true" Name="List Paragraph"/> <w:LsdException Locked="false" Priority="29" SemiHidden="false" UnhideWhenUsed="false" QFormat="true" Name="Quote"/> <w:LsdException Locked="false" Priority="30" SemiHidden="false" UnhideWhenUsed="false" QFormat="true" Name="Intense Quote"/> <w:LsdException Locked="false" Priority="66" SemiHidden="false" UnhideWhenUsed="false" Name="Medium List 2 Accent 1"/> <w:LsdException Locked="false" Priority="67" SemiHidden="false" UnhideWhenUsed="false" Name="Medium Grid 1 Accent 1"/> <w:LsdException Locked="false" Priority="68" SemiHidden="false" UnhideWhenUsed="false" Name="Medium Grid 2 Accent 1"/> <w:LsdException Locked="false" Priority="69" SemiHidden="false" UnhideWhenUsed="false" Name="Medium Grid 3 Accent 1"/> <w:LsdException Locked="false" Priority="70" SemiHidden="false" UnhideWhenUsed="false" Name="Dark List Accent 1"/> <w:LsdException Locked="false" Priority="71" SemiHidden="false" UnhideWhenUsed="false" Name="Colorful Shading Accent 1"/> <w:LsdException Locked="false" Priority="72" SemiHidden="false" UnhideWhenUsed="false" Name="Colorful List Accent 1"/> <w:LsdException Locked="false" Priority="73" SemiHidden="false" UnhideWhenUsed="false" Name="Colorful Grid Accent 1"/> <w:LsdException Locked="false" Priority="60" SemiHidden="false" UnhideWhenUsed="false" Name="Light Shading Accent 2"/> <w:LsdException Locked="false" Priority="61" SemiHidden="false" UnhideWhenUsed="false" Name="Light List Accent 2"/> <w:LsdException Locked="false" Priority="62" SemiHidden="false" UnhideWhenUsed="false" Name="Light Grid Accent 2"/> <w:LsdException Locked="false" Priority="63" SemiHidden="false" UnhideWhenUsed="false" Name="Medium Shading 1 Accent 2"/> <w:LsdException Locked="false" Priority="64" SemiHidden="false" UnhideWhenUsed="false" Name="Medium Shading 2 Accent 2"/> <w:LsdException Locked="false" Priority="65" SemiHidden="false" UnhideWhenUsed="false" Name="Medium List 1 Accent 2"/> <w:LsdException Locked="false" Priority="66" SemiHidden="false" UnhideWhenUsed="false" Name="Medium List 2 Accent 2"/> <w:LsdException Locked="false" Priority="67" SemiHidden="false" UnhideWhenUsed="false" Name="Medium Grid 1 Accent 2"/> <w:LsdException Locked="false" Priority="68" SemiHidden="false" UnhideWhenUsed="false" Name="Medium Grid 2 Accent 2"/> <w:LsdException Locked="false" Priority="69" SemiHidden="false" UnhideWhenUsed="false" Name="Medium Grid 3 Accent 2"/> <w:LsdException Locked="false" Priority="70" SemiHidden="false" UnhideWhenUsed="false" Name="Dark List Accent 2"/> <w:LsdException Locked="false" Priority="71" SemiHidden="false" UnhideWhenUsed="false" Name="Colorful Shading Accent 2"/> <w:LsdException Locked="false" Priority="72" SemiHidden="false" UnhideWhenUsed="false" Name="Colorful List Accent 2"/> <w:LsdException Locked="false" Priority="73" SemiHidden="false" UnhideWhenUsed="false" Name="Colorful Grid Accent 2"/> <w:LsdException Locked="false" Priority="60" SemiHidden="false" UnhideWhenUsed="false" Name="Light Shading Accent 3"/> <w:LsdException Locked="false" Priority="61" SemiHidden="false" UnhideWhenUsed="false" Name="Light List Accent 3"/> <w:LsdException Locked="false" Priority="62" SemiHidden="false" UnhideWhenUsed="false" Name="Light Grid Accent 3"/> <w:LsdException Locked="false" Priority="63" SemiHidden="false" UnhideWhenUsed="false" Name="Medium Shading 1 Accent 3"/> <w:LsdException Locked="false" Priority="64" SemiHidden="false" UnhideWhenUsed="false" Name="Medium Shading 2 Accent 3"/> <w:LsdException Locked="false" Priority="65" SemiHidden="false" UnhideWhenUsed="false" Name="Medium List 1 Accent 3"/> <w:LsdException Locked="false" Priority="66" SemiHidden="false" UnhideWhenUsed="false" Name="Medium List 2 Accent 3"/> <w:LsdException Locked="false" Priority="67" SemiHidden="false" UnhideWhenUsed="false" Name="Medium Grid 1 Accent 3"/> <w:LsdException Locked="false" Priority="68" SemiHidden="false" UnhideWhenUsed="false" Name="Medium Grid 2 Accent 3"/> <w:LsdException Locked="false" Priority="69" SemiHidden="false" UnhideWhenUsed="false" Name="Medium Grid 3 Accent 3"/> <w:LsdException Locked="false" Priority="70" SemiHidden="false" UnhideWhenUsed="false" Name="Dark List Accent 3"/> <w:LsdException Locked="false" Priority="71" SemiHidden="false" UnhideWhenUsed="false" Name="Colorful Shading Accent 3"/> <w:LsdException Locked="false" Priority="72" SemiHidden="false" UnhideWhenUsed="false" Name="Colorful List Accent 3"/> <w:LsdException Locked="false" Priority="73" SemiHidden="false" UnhideWhenUsed="false" Name="Colorful Grid Accent 3"/> <w:LsdException Locked="false" Priority="60" SemiHidden="false" UnhideWhenUsed="false" Name="Light Shading Accent 4"/> <w:LsdException Locked="false" Priority="61" SemiHidden="false" UnhideWhenUsed="false" Name="Light List Accent 4"/> <w:LsdException Locked="false" Priority="62" SemiHidden="false" UnhideWhenUsed="false" Name="Light Grid Accent 4"/> <w:LsdException Locked="false" Priority="63" SemiHidden="false" UnhideWhenUsed="false" Name="Medium Shading 1 Accent 4"/> <w:LsdException Locked="false" Priority="64" SemiHidden="false" UnhideWhenUsed="false" Name="Medium Shading 2 Accent 4"/> <w:LsdException Locked="false" Priority="65" SemiHidden="false" UnhideWhenUsed="false" Name="Medium List 1 Accent 4"/> <w:LsdException Locked="false" Priority="66" SemiHidden="false" UnhideWhenUsed="false" Name="Medium List 2 Accent 4"/> <w:LsdException Locked="false" Priority="67" SemiHidden="false" UnhideWhenUsed="false" Name="Medium Grid 1 Accent 4"/> <w:LsdException Locked="false" Priority="68" SemiHidden="false" UnhideWhenUsed="false" Name="Medium Grid 2 Accent 4"/> <w:LsdException Locked="false" Priority="69" SemiHidden="false" UnhideWhenUsed="false" Name="Medium Grid 3 Accent 4"/> <w:LsdException Locked="false" Priority="70" SemiHidden="false" UnhideWhenUsed="false" Name="Dark List Accent 4"/> <w:LsdException Locked="false" Priority="71" SemiHidden="false" UnhideWhenUsed="false" Name="Colorful Shading Accent 4"/> <w:LsdException Locked="false" Priority="72" SemiHidden="false" UnhideWhenUsed="false" Name="Colorful List Accent 4"/> <w:LsdException Locked="false" Priority="73" SemiHidden="false" UnhideWhenUsed="false" Name="Colorful Grid Accent 4"/> <w:LsdException Locked="false" Priority="60" SemiHidden="false" UnhideWhenUsed="false" Name="Light Shading Accent 5"/> <w:LsdException Locked="false" Priority="61" SemiHidden="false" UnhideWhenUsed="false" Name="Light List Accent 5"/> <w:LsdException Locked="false" Priority="62" SemiHidden="false" UnhideWhenUsed="false" Name="Light Grid Accent 5"/> <w:LsdException Locked="false" Priority="63" SemiHidden="false" UnhideWhenUsed="false" Name="Medium Shading 1 Accent 5"/> <w:LsdException Locked="false" Priority="64" SemiHidden="false" UnhideWhenUsed="false" Name="Medium Shading 2 Accent 5"/> <w:LsdException Locked="false" Priority="65" SemiHidden="false" UnhideWhenUsed="false" Name="Medium List 1 Accent 5"/> <w:LsdException Locked="false" Priority="66" SemiHidden="false" UnhideWhenUsed="false" Name="Medium List 2 Accent 5"/> <w:LsdException Locked="false" Priority="67" SemiHidden="false" UnhideWhenUsed="false" Name="Medium Grid 1 Accent 5"/> <w:LsdException Locked="false" Priority="68" SemiHidden="false" UnhideWhenUsed="false" Name="Medium Grid 2 Accent 5"/> <w:LsdException Locked="false" Priority="69" SemiHidden="false" UnhideWhenUsed="false" Name="Medium Grid 3 Accent 5"/> <w:LsdException Locked="false" Priority="70" SemiHidden="false" UnhideWhenUsed="false" Name="Dark List Accent 5"/> <w:LsdException Locked="false" Priority="71" SemiHidden="false" UnhideWhenUsed="false" Name="Colorful Shading Accent 5"/> <w:LsdException Locked="false" Priority="72" SemiHidden="false" UnhideWhenUsed="false" Name="Colorful List Accent 5"/> <w:LsdException Locked="false" Priority="73" SemiHidden="false" UnhideWhenUsed="false" Name="Colorful Grid Accent 5"/> <w:LsdException Locked="false" Priority="60" SemiHidden="false" UnhideWhenUsed="false" Name="Light Shading Accent 6"/> <w:LsdException Locked="false" Priority="61" SemiHidden="false" UnhideWhenUsed="false" Name="Light List Accent 6"/> <w:LsdException Locked="false" Priority="62" SemiHidden="false" UnhideWhenUsed="false" Name="Light Grid Accent 6"/> <w:LsdException Locked="false" Priority="63" SemiHidden="false" UnhideWhenUsed="false" Name="Medium Shading 1 Accent 6"/> <w:LsdException Locked="false" Priority="64" SemiHidden="false" UnhideWhenUsed="false" Name="Medium Shading 2 Accent 6"/> <w:LsdException Locked="false" Priority="65" SemiHidden="false" UnhideWhenUsed="false" Name="Medium List 1 Accent 6"/> <w:LsdException Locked="false" Priority="66" SemiHidden="false" UnhideWhenUsed="false" Name="Medium List 2 Accent 6"/> <w:LsdException Locked="false" Priority="67" SemiHidden="false" UnhideWhenUsed="false" Name="Medium Grid 1 Accent 6"/> <w:LsdException Locked="false" Priority="68" SemiHidden="false" UnhideWhenUsed="false" Name="Medium Grid 2 Accent 6"/> <w:LsdException Locked="false" Priority="69" SemiHidden="false" UnhideWhenUsed="false" Name="Medium Grid 3 Accent 6"/> <w:LsdException Locked="false" Priority="70" SemiHidden="false" UnhideWhenUsed="false" Name="Dark List Accent 6"/> <w:LsdException Locked="false" Priority="71" SemiHidden="false" UnhideWhenUsed="false" Name="Colorful Shading Accent 6"/> <w:LsdException Locked="false" Priority="72" SemiHidden="false" UnhideWhenUsed="false" Name="Colorful List Accent 6"/> <w:LsdException Locked="false" Priority="73" SemiHidden="false" UnhideWhenUsed="false" Name="Colorful Grid Accent 6"/> <w:LsdException Locked="false" Priority="19" SemiHidden="false" UnhideWhenUsed="false" QFormat="true" Name="Subtle Emphasis"/> <w:LsdException Locked="false" Priority="21" SemiHidden="false" UnhideWhenUsed="false" QFormat="true" Name="Intense Emphasis"/> <w:LsdException Locked="false" Priority="31" SemiHidden="false" UnhideWhenUsed="false" QFormat="true" Name="Subtle Reference"/> <w:LsdException Locked="false" Priority="32" SemiHidden="false" UnhideWhenUsed="false" QFormat="true" Name="Intense Reference"/> <w:LsdException Locked="false" Priority="33" SemiHidden="false" UnhideWhenUsed="false" QFormat="true" Name="Book Title"/> <w:LsdException Locked="false" Priority="37" Name="Bibliography"/> <w:LsdException Locked="false" Priority="39" QFormat="true" Name="TOC Heading"/> </w:LatentStyles> </xml><![endif]--> <link rel=Stylesheet type="text/css" media=all href=lifetime.css> <style> <!-- /* Font Definitions */ @font-face {font-family:Wingdings; panose-1:5 0 0 0 0 0 0 0 0 0; mso-font-charset:2; mso-generic-font-family:auto; mso-font-pitch:variable; mso-font-signature:0 268435456 0 0 -2147483648 0;} @font-face {font-family:"Cambria Math"; panose-1:2 4 5 3 5 4 6 3 2 4; mso-font-charset:1; mso-generic-font-family:roman; mso-font-format:other; mso-font-pitch:variable; mso-font-signature:0 0 0 0 0 0;} @font-face {font-family:Tahoma; panose-1:2 11 6 4 3 5 4 4 2 4; mso-font-charset:0; mso-generic-font-family:swiss; mso-font-pitch:variable; mso-font-signature:-520081665 -1073717157 41 0 66047 0;} /* Style Definitions */ p.MsoNormal, li.MsoNormal, div.MsoNormal {mso-style-unhide:no; mso-style-qformat:yes; mso-style-parent:""; margin:0cm; margin-bottom:.0001pt; mso-pagination:widow-orphan; font-size:12.0pt; font-family:"Times New Roman","serif"; mso-fareast-font-family:"Times New Roman"; mso-fareast-theme-font:minor-fareast;} h1 {mso-style-priority:9; mso-style-unhide:no; mso-style-qformat:yes; mso-style-link:"Heading 1 Char"; mso-margin-top-alt:auto; margin-right:0cm; margin-bottom:0cm; margin-left:0cm; margin-bottom:.0001pt; mso-pagination:widow-orphan; mso-outline-level:1; font-size:9.0pt; font-family:"Times New Roman","serif"; mso-fareast-font-family:"Times New Roman"; mso-fareast-theme-font:minor-fareast; font-weight:bold;} h2 {mso-style-priority:9; mso-style-unhide:no; mso-style-qformat:yes; mso-style-link:"Heading 2 Char"; mso-margin-top-alt:auto; margin-right:0cm; margin-bottom:0cm; margin-left:0cm; margin-bottom:.0001pt; mso-pagination:widow-orphan; mso-outline-level:2; font-size:9.0pt; font-family:"Times New Roman","serif"; mso-fareast-font-family:"Times New Roman"; mso-fareast-theme-font:minor-fareast; font-weight:bold;} a:link, span.MsoHyperlink {mso-style-noshow:yes; mso-style-priority:99; color:red; text-decoration:underline; text-underline:single;} a:visited, span.MsoHyperlinkFollowed {mso-style-noshow:yes; mso-style-priority:99; color:#666666; text-decoration:underline; text-underline:single;} p {mso-style-priority:99; mso-margin-top-alt:auto; margin-right:0cm; mso-margin-bottom-alt:auto; margin-left:0cm; mso-pagination:widow-orphan; font-size:9.0pt; font-family:"Times New Roman","serif"; mso-fareast-font-family:"Times New Roman"; mso-fareast-theme-font:minor-fareast;} p.MsoAcetate, li.MsoAcetate, div.MsoAcetate {mso-style-noshow:yes; mso-style-priority:99; mso-style-link:"Balloon Text Char"; margin:0cm; margin-bottom:.0001pt; mso-pagination:widow-orphan; font-size:8.0pt; font-family:"Tahoma","sans-serif"; mso-fareast-font-family:"Times New Roman"; mso-fareast-theme-font:minor-fareast;} span.Heading1Char {mso-style-name:"Heading 1 Char"; mso-style-priority:9; mso-style-unhide:no; mso-style-locked:yes; mso-style-link:"Heading 1"; mso-ansi-font-size:14.0pt; mso-bidi-font-size:14.0pt; font-family:"Cambria","serif"; mso-ascii-font-family:Cambria; mso-ascii-theme-font:major-latin; mso-fareast-font-family:"Times New Roman"; mso-fareast-theme-font:major-fareast; mso-hansi-font-family:Cambria; mso-hansi-theme-font:major-latin; mso-bidi-font-family:"Times New Roman"; mso-bidi-theme-font:major-bidi; color:#365F91; mso-themecolor:accent1; mso-themeshade:191; font-weight:bold;} span.Heading2Char {mso-style-name:"Heading 2 Char"; mso-style-noshow:yes; mso-style-priority:9; mso-style-unhide:no; mso-style-locked:yes; mso-style-link:"Heading 2"; mso-ansi-font-size:13.0pt; mso-bidi-font-size:13.0pt; font-family:"Cambria","serif"; mso-ascii-font-family:Cambria; mso-ascii-theme-font:major-latin; mso-fareast-font-family:"Times New Roman"; mso-fareast-theme-font:major-fareast; mso-hansi-font-family:Cambria; mso-hansi-theme-font:major-latin; mso-bidi-font-family:"Times New Roman"; mso-bidi-theme-font:major-bidi; color:#4F81BD; mso-themecolor:accent1; font-weight:bold;} span.BalloonTextChar {mso-style-name:"Balloon Text Char"; mso-style-noshow:yes; mso-style-priority:99; mso-style-unhide:no; mso-style-locked:yes; mso-style-link:"Balloon Text"; mso-ansi-font-size:8.0pt; mso-bidi-font-size:8.0pt; font-family:"Tahoma","sans-serif"; mso-ascii-font-family:Tahoma; mso-fareast-font-family:"Times New Roman"; mso-fareast-theme-font:minor-fareast; mso-hansi-font-family:Tahoma; mso-bidi-font-family:Tahoma;} p.introcopy, li.introcopy, div.introcopy {mso-style-name:introcopy; mso-style-priority:99; mso-style-unhide:no; mso-margin-top-alt:auto; margin-right:0cm; mso-margin-bottom-alt:auto; margin-left:0cm; line-height:13.5pt; mso-pagination:widow-orphan; font-size:10.5pt; font-family:"Times New Roman","serif"; mso-fareast-font-family:"Times New Roman"; mso-fareast-theme-font:minor-fareast;} p.subhead, li.subhead, div.subhead {mso-style-name:subhead; mso-style-priority:99; mso-style-unhide:no; mso-margin-top-alt:auto; margin-right:0cm; mso-margin-bottom-alt:auto; margin-left:0cm; mso-pagination:widow-orphan; font-size:9.0pt; font-family:"Times New Roman","serif"; mso-fareast-font-family:"Times New Roman"; mso-fareast-theme-font:minor-fareast; font-weight:bold;} p.bold, li.bold, div.bold {mso-style-name:bold; mso-style-priority:99; mso-style-unhide:no; mso-margin-top-alt:auto; margin-right:0cm; mso-margin-bottom-alt:auto; margin-left:0cm; mso-pagination:widow-orphan; font-size:9.0pt; font-family:"Times New Roman","serif"; mso-fareast-font-family:"Times New Roman"; mso-fareast-theme-font:minor-fareast; font-weight:bold;} p.navigation, li.navigation, div.navigation {mso-style-name:navigation; mso-style-priority:99; mso-style-unhide:no; mso-margin-top-alt:auto; margin-right:0cm; mso-margin-bottom-alt:auto; margin-left:0cm; line-height:9.75pt; mso-pagination:widow-orphan; background:#A7A9AC; font-size:9.0pt; font-family:"Times New Roman","serif"; mso-fareast-font-family:"Times New Roman"; mso-fareast-theme-font:minor-fareast;} p.smallcopy, li.smallcopy, div.smallcopy {mso-style-name:smallcopy; mso-style-priority:99; mso-style-unhide:no; mso-margin-top-alt:auto; margin-right:0cm; mso-margin-bottom-alt:auto; margin-left:0cm; line-height:9.0pt; mso-pagination:widow-orphan; font-size:7.5pt; font-family:"Times New Roman","serif"; mso-fareast-font-family:"Times New Roman"; mso-fareast-theme-font:minor-fareast;} p.bullet, li.bullet, div.bullet {mso-style-name:bullet; mso-style-priority:99; mso-style-unhide:no; mso-margin-top-alt:auto; margin-right:0cm; mso-margin-bottom-alt:auto; margin-left:0cm; mso-pagination:widow-orphan; font-size:9.0pt; font-family:"Times New Roman","serif"; mso-fareast-font-family:"Times New Roman"; mso-fareast-theme-font:minor-fareast;} p.latestnewscopy, li.latestnewscopy, div.latestnewscopy {mso-style-name:latestnewscopy; mso-style-priority:99; mso-style-unhide:no; mso-margin-top-alt:auto; margin-right:11.25pt; mso-margin-bottom-alt:auto; margin-left:11.25pt; mso-pagination:widow-orphan; font-size:9.0pt; font-family:"Times New Roman","serif"; mso-fareast-font-family:"Times New Roman"; mso-fareast-theme-font:minor-fareast;} p.latestnewsheader, li.latestnewsheader, div.latestnewsheader {mso-style-name:latestnewsheader; mso-style-priority:99; mso-style-unhide:no; mso-margin-top-alt:auto; margin-right:11.25pt; mso-margin-bottom-alt:auto; margin-left:11.25pt; mso-pagination:widow-orphan; font-size:10.5pt; font-family:"Times New Roman","serif"; mso-fareast-font-family:"Times New Roman"; mso-fareast-theme-font:minor-fareast; font-weight:bold;} p.bluecolumncopy, li.bluecolumncopy, div.bluecolumncopy {mso-style-name:bluecolumncopy; mso-style-priority:99; mso-style-unhide:no; mso-margin-top-alt:auto; margin-right:11.25pt; mso-margin-bottom-alt:auto; margin-left:11.25pt; mso-pagination:widow-orphan; font-size:9.0pt; font-family:"Times New Roman","serif"; mso-fareast-font-family:"Times New Roman"; mso-fareast-theme-font:minor-fareast;} p.bluecolumnheader, li.bluecolumnheader, div.bluecolumnheader {mso-style-name:bluecolumnheader; mso-style-priority:99; mso-style-unhide:no; mso-margin-top-alt:auto; margin-right:11.25pt; mso-margin-bottom-alt:auto; margin-left:11.25pt; mso-pagination:widow-orphan; font-size:10.5pt; font-family:"Times New Roman","serif"; mso-fareast-font-family:"Times New Roman"; mso-fareast-theme-font:minor-fareast; font-weight:bold;} p.footer, li.footer, div.footer {mso-style-name:footer; mso-style-priority:99; mso-style-unhide:no; mso-margin-top-alt:auto; margin-right:0cm; mso-margin-bottom-alt:auto; margin-left:11.25pt; text-align:center; mso-pagination:widow-orphan; font-size:7.5pt; font-family:"Times New Roman","serif"; mso-fareast-font-family:"Times New Roman"; mso-fareast-theme-font:minor-fareast;} p.tablecopy, li.tablecopy, div.tablecopy {mso-style-name:tablecopy; mso-style-priority:99; mso-style-unhide:no; mso-margin-top-alt:auto; margin-right:0cm; mso-margin-bottom-alt:auto; margin-left:0cm; mso-pagination:widow-orphan; font-size:9.0pt; font-family:"Times New Roman","serif"; mso-fareast-font-family:"Times New Roman"; mso-fareast-theme-font:minor-fareast;} p.tablebold, li.tablebold, div.tablebold {mso-style-name:tablebold; mso-style-priority:99; mso-style-unhide:no; mso-margin-top-alt:auto; margin-right:0cm; mso-margin-bottom-alt:auto; margin-left:0cm; mso-pagination:widow-orphan; font-size:9.0pt; font-family:"Times New Roman","serif"; mso-fareast-font-family:"Times New Roman"; mso-fareast-theme-font:minor-fareast; font-weight:bold;} p.style2, li.style2, div.style2 {mso-style-name:style2; mso-style-priority:99; mso-style-unhide:no; mso-margin-top-alt:auto; margin-right:0cm; mso-margin-bottom-alt:auto; margin-left:0cm; mso-pagination:widow-orphan; font-size:7.5pt; font-family:"Times New Roman","serif"; mso-fareast-font-family:"Times New Roman"; mso-fareast-theme-font:minor-fareast;} span.SpellE {mso-style-name:""; mso-spl-e:yes;} span.GramE {mso-style-name:""; mso-gram-e:yes;} .MsoChpDefault {mso-style-type:export-only; mso-default-props:yes; font-size:10.0pt; mso-ansi-font-size:10.0pt; mso-bidi-font-size:10.0pt;} @page WordSection1 {size:595.3pt 841.9pt; margin:72.0pt 72.0pt 72.0pt 72.0pt; mso-header-margin:35.4pt; mso-footer-margin:35.4pt; mso-paper-source:0;} div.WordSection1 {page:WordSection1;} /* List Definitions */ @list l0 {mso-list-id:1660573889; mso-list-template-ids:1103932142;} @list l0:level1 {mso-level-number-format:bullet; mso-level-text:·ð; mso-level-tab-stop:36.0pt; mso-level-number-position:left; text-indent:-18.0pt; mso-ansi-font-size:10.0pt; font-family:Symbol;} @list l0:level2 {mso-level-tab-stop:72.0pt; mso-level-number-position:left; text-indent:-18.0pt;} @list l0:level3 {mso-level-tab-stop:108.0pt; mso-level-number-position:left; text-indent:-18.0pt;} @list l0:level4 {mso-level-tab-stop:144.0pt; mso-level-number-position:left; text-indent:-18.0pt;} @list l0:level5 {mso-level-tab-stop:180.0pt; mso-level-number-position:left; text-indent:-18.0pt;} @list l0:level6 {mso-level-tab-stop:216.0pt; mso-level-number-position:left; text-indent:-18.0pt;} @list l0:level7 {mso-level-tab-stop:252.0pt; mso-level-number-position:left; text-indent:-18.0pt;} @list l0:level8 {mso-level-tab-stop:288.0pt; mso-level-number-position:left; text-indent:-18.0pt;} @list l0:level9 {mso-level-tab-stop:324.0pt; mso-level-number-position:left; text-indent:-18.0pt;} @list l0:level1 lfo2 {mso-level-numbering:continue; mso-level-text:§ð; mso-level-tab-stop:36.0pt; mso-level-number-position:left; text-indent:-18.0pt; mso-ansi-font-size:10.0pt; font-family:Wingdings;} ol {margin-bottom:0cm;} ul {margin-bottom:0cm;} --> </style> <!--[if gte mso 10]> <style> /* Style Definitions */ table.MsoNormalTable {mso-style-name:"Table Normal"; mso-tstyle-rowband-size:0; mso-tstyle-colband-size:0; mso-style-noshow:yes; mso-style-priority:99; mso-style-qformat:yes; mso-style-parent:""; mso-padding-alt:0cm 5.4pt 0cm 5.4pt; mso-para-margin:0cm; mso-para-margin-bottom:.0001pt; mso-pagination:widow-orphan; font-size:10.0pt; font-family:"Times New Roman","serif";} </style> <![endif]--> <link href=favicon.ico type="image/x-icon" rel="shortcut icon"> <script type="text/javascript"> <!-- function MM_preloadImages() { //v3.0 var d=document; if(d.images){ if(!d.MM_p) d.MM_p=new Array(); var i,j=d.MM_p.length,a=MM_preloadImages.arguments; for(i=0; i<a.length; i++) if (a[i].indexOf("#")!=0){ d.MM_p[j]=new Image; d.MM_p[j++].src=a[i];}} } function MM_swapImgRestore() { //v3.0 var i,x,a=document.MM_sr; for(i=0;a&&i<a.length&&(x=a[i])&&x.oSrc;i++) x.src=x.oSrc; } function MM_findObj(n, d) { //v4.01 var p,i,x; if(!d) d=document; if((p=n.indexOf("?"))>0&&parent.frames.length) { d=parent.frames[n.substring(p+1)].document; n=n.substring(0,p);} if(!(x=d[n])&&d.all) x=d.all[n]; for (i=0;!x&&i<d.forms.length;i++) x=d.forms[i][n]; for(i=0;!x&&d.layers&&i<d.layers.length;i++) x=MM_findObj(n,d.layers[i].document); if(!x && d.getElementById) x=d.getElementById(n); return x; } function MM_swapImage() { //v3.0 var i,j=0,x,a=MM_swapImage.arguments; document.MM_sr=new Array; for(i=0;i<(a.length-2);i+=3) if ((x=MM_findObj(a[i]))!=null){document.MM_sr[j++]=x; if(!x.oSrc) x.oSrc=x.src; x.src=a[i+2];} } //--> </script> <!--[if gte mso 9]><xml> <o:shapedefaults v:ext="edit" spidmax="3074"/> </xml><![endif]--><!--[if gte mso 9]><xml> <o:shapelayout v:ext="edit"> <o:idmap v:ext="edit" data="1"/> </o:shapelayout></xml><![endif]--> </head> <body bgcolor="#9E9E9E" lang=EN-AU link=red vlink="#666666" style='tab-interval: 36.0pt' onload="MM_preloadImages('pics/navigation/home2.gif','pics/navigation/aboutus2.gif','pics/navigation/financeplan2.gif','pics/navigation/loans2.gif','pics/navigation/taxplan2.gif','pics/navigation/insurance2.gif','pics/navigation/media2.gif','pics/navigation/referral2.gif','pics/navigation/forms2.gif','pics/navigation/library2.gif','pics/navigation/contactus2.gif','pics/navigation/importantinfo2.gif','pics/subscribe2.gif','pics/referfriend2.gif')"> <div class=WordSection1> <div align=center> <table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=1024 style='width:768.0pt;mso-cellspacing:0cm;mso-yfti-tbllook:1184;mso-padding-alt: 0cm 0cm 0cm 0cm'> <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;height:162.75pt'> <td colspan=3 style='padding:0cm 0cm 0cm 0cm;height:162.75pt'> <p class=MsoNormal><span style='mso-fareast-font-family:"Times New Roman"; mso-no-proof:yes'><img width=1024 height=217 id="_x0000_i1040" src="pics/header.jpg" alt="Lifetime Advisers"></span><span style='mso-fareast-font-family: "Times New Roman"'><o:p></o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:1'> <td width=197 valign=top style='width:147.75pt;background:#CCCCCC;padding: 0cm 0cm 0cm 0cm' background="pics/navigation/spacer.gif"> <table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=197 style='width:147.75pt;mso-cellspacing:0cm;mso-yfti-tbllook:1184;mso-padding-alt: 0cm 0cm 0cm 0cm' id="Table_01" height=548> <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes'> <td style='background:white;padding:0cm 0cm 0cm 0cm'> <p class=MsoNormal><a href="index.html"><span style='mso-fareast-font-family: "Times New Roman";mso-no-proof:yes;text-decoration:none;text-underline: none'><img border=0 width=197 height=44 id="_x0000_i1039" src="pics/navigation/home.gif"></span></a><span style='mso-fareast-font-family: "Times New Roman"'><o:p></o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:1'> <td style='padding:0cm 0cm 0cm 0cm'> <p class=MsoNormal><a href="aboutus.html"><span style='mso-fareast-font-family: "Times New Roman";mso-no-proof:yes;text-decoration:none;text-underline: none'><img border=0 width=197 height=33 id="_x0000_i1038" src="pics/navigation/aboutus.gif"></span></a><span style='mso-fareast-font-family: "Times New Roman"'><o:p></o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:2'> <td style='padding:0cm 0cm 0cm 0cm'> <p class=MsoNormal><a href="financial.html"><span style='mso-fareast-font-family: "Times New Roman";mso-no-proof:yes;text-decoration:none;text-underline: none'><img border=0 width=197 height=33 id="_x0000_i1037" src="pics/navigation/financeplan.gif"></span></a><span style='mso-fareast-font-family: "Times New Roman"'><o:p></o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:3'> <td style='padding:0cm 0cm 0cm 0cm'> <p class=MsoNormal><a href="loans.html"><span style='mso-fareast-font-family: "Times New Roman";mso-no-proof:yes;text-decoration:none;text-underline: none'><img border=0 width=197 height=33 id="_x0000_i1036" src="pics/navigation/loans.gif"></span></a><span style='mso-fareast-font-family: "Times New Roman"'><o:p></o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:4'> <td style='padding:0cm 0cm 0cm 0cm'> <p class=MsoNormal><a href="taxplanning.html"><span style='mso-fareast-font-family: "Times New Roman";mso-no-proof:yes;text-decoration:none;text-underline: none'><img border=0 width=197 height=33 id="_x0000_i1035" src="pics/navigation/taxplan.gif"></span></a><span style='mso-fareast-font-family: "Times New Roman"'><o:p></o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:5'> <td style='padding:0cm 0cm 0cm 0cm'> <p class=MsoNormal><a href="insurance.html"><span style='mso-fareast-font-family: "Times New Roman";mso-no-proof:yes;text-decoration:none;text-underline: none'><img border=0 width=197 height=33 id="_x0000_i1034" src="pics/navigation/insurance.gif"></span></a><span style='mso-fareast-font-family: "Times New Roman"'><o:p></o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:6'> <td style='padding:0cm 0cm 0cm 0cm'> <p class=MsoNormal><a href="media.html"><span style='mso-fareast-font-family: "Times New Roman";mso-no-proof:yes;text-decoration:none;text-underline: none'><img border=0 width=197 height=33 id="_x0000_i1033" src="pics/navigation/media.gif"></span></a><span style='mso-fareast-font-family: "Times New Roman"'><o:p></o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:7'> <td style='padding:0cm 0cm 0cm 0cm'> <p class=MsoNormal><a href="referral.html"><span style='mso-fareast-font-family: "Times New Roman";mso-no-proof:yes;text-decoration:none;text-underline: none'><img border=0 width=197 height=33 id="_x0000_i1032" src="pics/navigation/referral.gif"></span></a><span style='mso-fareast-font-family: "Times New Roman"'><o:p></o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:8'> <td style='padding:0cm 0cm 0cm 0cm'> <p class=MsoNormal><a href="forms.html"><span style='mso-fareast-font-family: "Times New Roman";mso-no-proof:yes;text-decoration:none;text-underline: none'><img border=0 width=197 height=33 id="_x0000_i1031" src="pics/navigation/forms.gif"></span></a><span style='mso-fareast-font-family: "Times New Roman"'><o:p></o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:9'> <td style='padding:0cm 0cm 0cm 0cm'> <p class=MsoNormal><a href="library.html"><span style='mso-fareast-font-family: "Times New Roman";mso-no-proof:yes;text-decoration:none;text-underline: none'><img border=0 width=197 height=33 id="_x0000_i1030" src="pics/navigation/library.gif"></span></a><span style='mso-fareast-font-family: "Times New Roman"'><o:p></o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:10'> <td style='padding:0cm 0cm 0cm 0cm'> <p class=MsoNormal><a href="contactus.html"><span style='mso-fareast-font-family: "Times New Roman";mso-no-proof:yes;text-decoration:none;text-underline: none'><img border=0 width=197 height=33 id="_x0000_i1029" src="pics/navigation/contactus.gif"></span></a><span style='mso-fareast-font-family: "Times New Roman"'><o:p></o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:11'> <td style='padding:0cm 0cm 0cm 0cm'> <p class=MsoNormal><a href="importantinfo.html"><span style='mso-fareast-font-family: "Times New Roman";mso-no-proof:yes;text-decoration:none;text-underline: none'><img border=0 width=197 height=51 id="_x0000_i1028" src="pics/navigation/importantinfo.gif"></span></a><span style='mso-fareast-font-family: "Times New Roman"'><o:p></o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:12'> <td style='padding:0cm 0cm 0cm 0cm'> <p class=MsoNormal><span style='mso-fareast-font-family:"Times New Roman"; mso-no-proof:yes'><img border=0 width=197 height=188 id="_x0000_i1027" src="pics/navigation/spacer.gif"></span><span style='mso-fareast-font-family: "Times New Roman"'><o:p></o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:13;mso-yfti-lastrow:yes'> <td style='padding:0cm 0cm 0cm 0cm'></td> </tr> </table> </td> <td width=642 valign=top style='width:481.5pt;background:white;padding:0cm 0cm 0cm 0cm'> <p class=introcopy>&nbsp;</p> <h1><span style='mso-fareast-font-family:"Times New Roman"'>FREQUENTLY ASKED QUESTIONS - LOANS AND FINANCE<o:p></o:p></span></h1> <p class=style2>(FAQ supplied by Choice Aggregation Services)</p> <p>The whole subject of home loans can be complicated - especially for most of us who only deal with it a few times in our lives.</p> <p>On this page you ll find some common questions and the answers. If you have a question and the answer s not here, please click here to <a href="mailto:info@lifetimeadvisers.com.au?subject=FAQ%20Enquiry">Contact Us</a> - we ll be happy to help.</p> <p>Alternatively, just select a question from the list on the left to find the answer you need.</p> <p class=MsoNormal style='mso-margin-top-alt:auto;margin-right:34.5pt; mso-margin-bottom-alt:auto;margin-left:70.5pt;text-indent:-18.0pt;line-height: 10.5pt;mso-list:l0 level1 lfo2;tab-stops:list 36.0pt'><![if !supportLists]><span style='font-size:10.0pt;mso-bidi-font-size:9.0pt;font-family:Wingdings; mso-fareast-font-family:Wingdings;mso-bidi-font-family:Wingdings;color:black'><span style='mso-list:Ignore'>§<span style='font:7.0pt "Times New Roman"'>&nbsp; </span></span></span><![endif]><span style='font-size:9.0pt;font-family:"Arial","sans-serif";mso-fareast-font-family: "Times New Roman";color:black'>Can I change my mind? <o:p></o:p></span></p> <p class=MsoNormal style='mso-margin-top-alt:auto;margin-right:34.5pt; mso-margin-bottom-alt:auto;margin-left:70.5pt;text-indent:-18.0pt;line-height: 10.5pt;mso-list:l0 level1 lfo2;tab-stops:list 36.0pt'><![if !supportLists]><span style='font-size:10.0pt;mso-bidi-font-size:9.0pt;font-family:Wingdings; mso-fareast-font-family:Wingdings;mso-bidi-font-family:Wingdings;color:black'><span style='mso-list:Ignore'>§<span style='font:7.0pt "Times New Roman"'>&nbsp; </span></span></span><![endif]><span style='font-size:9.0pt;font-family:"Arial","sans-serif";mso-fareast-font-family: "Times New Roman";color:black'>Can I switch loans? <o:p></o:p></span></p> <p class=MsoNormal style='mso-margin-top-alt:auto;margin-right:34.5pt; mso-margin-bottom-alt:auto;margin-left:70.5pt;text-indent:-18.0pt;line-height: 10.5pt;mso-list:l0 level1 lfo2;tab-stops:list 36.0pt'><![if !supportLists]><span style='font-size:10.0pt;mso-bidi-font-size:9.0pt;font-family:Wingdings; mso-fareast-font-family:Wingdings;mso-bidi-font-family:Wingdings;color:black'><span style='mso-list:Ignore'>§<span style='font:7.0pt "Times New Roman"'>&nbsp; </span></span></span><![endif]><span style='font-size:9.0pt;font-family:"Arial","sans-serif";mso-fareast-font-family: "Times New Roman";color:black'>Do I need a loan approval first? <o:p></o:p></span></p> <p class=MsoNormal style='mso-margin-top-alt:auto;margin-right:34.5pt; mso-margin-bottom-alt:auto;margin-left:70.5pt;text-indent:-18.0pt;line-height: 10.5pt;mso-list:l0 level1 lfo2;tab-stops:list 36.0pt'><![if !supportLists]><span style='font-size:10.0pt;mso-bidi-font-size:9.0pt;font-family:Wingdings; mso-fareast-font-family:Wingdings;mso-bidi-font-family:Wingdings;color:black'><span style='mso-list:Ignore'>§<span style='font:7.0pt "Times New Roman"'>&nbsp; </span></span></span><![endif]><span style='font-size:9.0pt;font-family:"Arial","sans-serif";mso-fareast-font-family: "Times New Roman";color:black'>How long do loan approvals take? <o:p></o:p></span></p> <p class=MsoNormal style='mso-margin-top-alt:auto;margin-right:34.5pt; mso-margin-bottom-alt:auto;margin-left:70.5pt;text-indent:-18.0pt;line-height: 10.5pt;mso-list:l0 level1 lfo2;tab-stops:list 36.0pt'><![if !supportLists]><span style='font-size:10.0pt;mso-bidi-font-size:9.0pt;font-family:Wingdings; mso-fareast-font-family:Wingdings;mso-bidi-font-family:Wingdings;color:black'><span style='mso-list:Ignore'>§<span style='font:7.0pt "Times New Roman"'>&nbsp; </span></span></span><![endif]><span style='font-size:9.0pt;font-family:"Arial","sans-serif";mso-fareast-font-family: "Times New Roman";color:black'>How much can I borrow? <o:p></o:p></span></p> <p class=MsoNormal style='mso-margin-top-alt:auto;margin-right:34.5pt; mso-margin-bottom-alt:auto;margin-left:70.5pt;text-indent:-18.0pt;line-height: 10.5pt;mso-list:l0 level1 lfo2;tab-stops:list 36.0pt'><![if !supportLists]><span style='font-size:10.0pt;mso-bidi-font-size:9.0pt;font-family:Wingdings; mso-fareast-font-family:Wingdings;mso-bidi-font-family:Wingdings;color:black'><span style='mso-list:Ignore'>§<span style='font:7.0pt "Times New Roman"'>&nbsp; </span></span></span><![endif]><span style='font-size:9.0pt;font-family:"Arial","sans-serif";mso-fareast-font-family: "Times New Roman";color:black'>I have a default. What can I do? <o:p></o:p></span></p> <p class=MsoNormal style='mso-margin-top-alt:auto;margin-right:34.5pt; mso-margin-bottom-alt:auto;margin-left:70.5pt;text-indent:-18.0pt;line-height: 10.5pt;mso-list:l0 level1 lfo2;tab-stops:list 36.0pt'><![if !supportLists]><span style='font-size:10.0pt;mso-bidi-font-size:9.0pt;font-family:Wingdings; mso-fareast-font-family:Wingdings;mso-bidi-font-family:Wingdings;color:black'><span style='mso-list:Ignore'>§<span style='font:7.0pt "Times New Roman"'>&nbsp; </span></span></span><![endif]><span style='font-size:9.0pt;font-family:"Arial","sans-serif";mso-fareast-font-family: "Times New Roman";color:black'>Irregular incomes &amp; loans <o:p></o:p></span></p> <p class=MsoNormal style='mso-margin-top-alt:auto;margin-right:34.5pt; mso-margin-bottom-alt:auto;margin-left:70.5pt;text-indent:-18.0pt;line-height: 10.5pt;mso-list:l0 level1 lfo2;tab-stops:list 36.0pt'><![if !supportLists]><span style='font-size:10.0pt;mso-bidi-font-size:9.0pt;font-family:Wingdings; mso-fareast-font-family:Wingdings;mso-bidi-font-family:Wingdings;color:black'><span style='mso-list:Ignore'>§<span style='font:7.0pt "Times New Roman"'>&nbsp; </span></span></span><![endif]><span style='font-size:9.0pt;font-family:"Arial","sans-serif";mso-fareast-font-family: "Times New Roman";color:black'>Are our loans cheaper than banks? <o:p></o:p></span></p> <p class=MsoNormal style='mso-margin-top-alt:auto;margin-right:34.5pt; mso-margin-bottom-alt:auto;margin-left:70.5pt;text-indent:-18.0pt;line-height: 10.5pt;mso-list:l0 level1 lfo2;tab-stops:list 36.0pt'><![if !supportLists]><span style='font-size:10.0pt;mso-bidi-font-size:9.0pt;font-family:Wingdings; mso-fareast-font-family:Wingdings;mso-bidi-font-family:Wingdings;color:black'><span style='mso-list:Ignore'>§<span style='font:7.0pt "Times New Roman"'>&nbsp; </span></span></span><![endif]><span style='font-size:9.0pt;font-family:"Arial","sans-serif";mso-fareast-font-family: "Times New Roman";color:black'>What can I afford to borrow? <o:p></o:p></span></p> <p class=MsoNormal style='mso-margin-top-alt:auto;margin-right:34.5pt; mso-margin-bottom-alt:auto;margin-left:70.5pt;text-indent:-18.0pt;line-height: 10.5pt;mso-list:l0 level1 lfo2;tab-stops:list 36.0pt'><![if !supportLists]><span style='font-size:10.0pt;mso-bidi-font-size:9.0pt;font-family:Wingdings; mso-fareast-font-family:Wingdings;mso-bidi-font-family:Wingdings;color:black'><span style='mso-list:Ignore'>§<span style='font:7.0pt "Times New Roman"'>&nbsp; </span></span></span><![endif]><span style='font-size:9.0pt;font-family:"Arial","sans-serif";mso-fareast-font-family: "Times New Roman";color:black'>Who sets interest rates? <o:p></o:p></span></p> <h1><span style='mso-fareast-font-family:"Times New Roman"'>Can I change my mind?<o:p></o:p></span></h1> <p class=subhead>What happens if I change my mind &amp; cancel?</p> <p>If you have had a loan approved and decide not to go ahead with a purchase, you may incur a cancellation fee.</p> <p>If you are not sure or think you might change your mind, please Click here to contact us to discuss the best options.</p> <h1><span style='mso-fareast-font-family:"Times New Roman"'>Can I Switch Loans?<o:p></o:p></span></h1> <p class=subhead>What are the risks in switching loans?</p> <p>Making the decision to change loans or refinance, is difficult as there are hundreds of loans available from hundreds of lenders. On top of that, there are other factors to consider such as how long do you want your loan period to <span class=GramE>be,</span> or how much you can afford each month?</p> <p>Some loans have early pay out penalties and other costs you will need to consider. Sometimes re-financing is not the answer, so speak to one of our Consultants to ascertain if refinancing is the right option for you.</p> <p><a href="mailto:info@lifetimeadvisers.com.au?subject=FAQ%20Enquiry">Click here to find out more about refinancing your loan.</a></p> <h1><span style='mso-fareast-font-family:"Times New Roman"'>When to Get a Loan Approval<o:p></o:p></span></h1> <p class=subhead>Do I need approval before I find a property?</p> <p>Yes, it s usually best.</p> <p>Having a loan already approved (usually subject to a valuation of the property you buy) means that you will know how much you can afford to pay for a home. It also lets you make a quick purchase decision, which may be a useful negotiating tool with the owner or agent; or at auction time.</p> <h1><span style='mso-fareast-font-family:"Times New Roman"'>How long does a loan approval take?<o:p></o:p></span></h1> <p>The loan approval process depends on the borrower, the lender and the type of loan.<br> The average loan can usually be approved in 48-72 hours after we receive your completed application. If you need an accurate estimate of the time it will take to approve your loan, please Contact Us for an overview of the complete loan and settlement process.</p> <h1><span style='mso-fareast-font-family:"Times New Roman"'>How much can I borrow?<o:p></o:p></span></h1> <p class=subhead>How much of the purchase price can I borrow?</p> <p>This depends on a range of factors including your personal circumstances, the price of the property and any valuation that may be required (a bank valuation may not be the same as the purchase price).</p> <p>Depending on the lender, they may be prepared to lend up to 95% of valuation, depending on your ability to repay. It s worth noting that loans of more than 80% valuation often require mortgage insurance, which the borrower pays for.</p> <p><a href="mailto:info@lifetimeadvisers.com.au?subject=FAQ%20Enquiry">Click here to have a Lifetime Advisers Mortgage Consultant Contact You Now<span class=GramE>!.</span></a></p> <h1><span style='mso-fareast-font-family:"Times New Roman"'>I have a default. What can I do?<o:p></o:p></span></h1> <p>A default listing will remain on your file for a period of five years. So whilst you can t change history, the best approach would be to ensure the rest of your credit history is  spotless .<br> If you would like a copy of your credit record, you can contact a credit reporting agency to ensure your default is listed as paid. <span class=SpellE>Baycorp</span> Advantage is Australia s largest credit reporting agency and can be contacted via <a href="http://www.mycreditfile.com.au" target="_blank">http://www.mycreditfile.com.au</a> or by calling (02) 9464 6000.</p> <p>Non Conforming Loans are products which cater for individuals with an impaired credit history. Your Choice Consultant can tell you whether this type of loan can assist you.</p> <h1><span style='mso-fareast-font-family:"Times New Roman"'>Can I get a loan with Irregular Income?<o:p></o:p></span></h1> <p class=subhead>Lo Doc Loans is the answer</p> <p>In the past an irregular income, or lack of records, could make getting a home loan very difficult.<br> Fortunately, today our Consultants can tell you about a range of options, such as Lo Doc Loans and similar loans designed for borrowers in your situation.</p> <h1><span style='mso-fareast-font-family:"Times New Roman"'>Are our loans cheaper than Banks?<o:p></o:p></span></h1> <p>In some cases it may be, in others the advantages lie in getting the loan that best suits your needs.</p> <p>A bank typically has a limited range of loans to choose from - just the loans they offer. <br> When you come to Choice, we help you choose the loan that s right for you from hundreds of loans available from a huge range of lenders. We also believe in the concept of customers for life and will work with you now or in the future, regardless of which lender provides the loan you need.</p> <h1><span style='mso-fareast-font-family:"Times New Roman"'>What can I afford to borrow?<o:p></o:p></span></h1> <p class=subhead>How much can I afford to borrow?</p> <p>How much you can afford to borrow to buy a home depends on a range of factors relating to the property itself, your lifestyle requirements and other personal circumstances.</p> <p>There s no point living in the home of your dreams if you can t afford to do other things you really want to do! Our loan <a href="mailto:info@lifetimeadvisers.com.au?subject=FAQ%20Enquiry">Contact Us</a> and a Lifetime Advisers Consultant will help you plan a budget and see how much you will be comfortable paying towards a mortgage. This helps us calculate how much you can afford to borrow.</p> <h1><span style='mso-fareast-font-family:"Times New Roman"'>Who Sets Loan Interest Rates?<o:p></o:p></span></h1> <p class=subhead>Who increases or decreases interest rates?</p> <p>Interest rates are based on decisions made by the Reserve Bank of Australia (RBA) on behalf of the Federal Government. The RBA meets every month to decide whether interest rates should be changed. Lenders then use these decisions as a basis for setting the interest rates for their individual loan products and will usually alter interest rates a day or two after any RBA announcement.</p> <p>Generally, when the economy is in a trough (that s when unemployment is high and consumer spending is low) the RBA reduces interest rates to stimulate economic activity. The reverse is the case in a  boom situation and rates are increased to curb inflation.</p> <p><a href="mailto:info@lifetimeadvisers.com.au?subject=FAQ%20Enquiry">Click here to Contact Us. </a></p> <p><a href="#top">TOP</a></p> <p>&nbsp;</p> <h1><span style='mso-fareast-font-family:"Times New Roman"'>&nbsp;<o:p></o:p></span></h1> <p>&nbsp;<o:p></o:p></p> </td> <td width=185 valign=top style='width:138.75pt;background:#CCCCCC;padding: 0cm 0cm 0cm 0cm' background="pics/rightcol_blue.jpg"> <table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=185 style='width:138.75pt;mso-cellspacing:0cm;mso-yfti-tbllook:1184;mso-padding-alt: 0cm 0cm 0cm 0cm'> <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes'> <td style='padding:0cm 0cm 0cm 0cm'> <p class=MsoNormal><a href="subscribe.html"><span style='mso-fareast-font-family: "Times New Roman";mso-no-proof:yes;text-decoration:none;text-underline: none'><img border=0 width=185 height=57 id="_x0000_i1026" src="pics/subscribe.gif" alt=Subscribe></span></a><span style='mso-fareast-font-family: "Times New Roman"'><o:p></o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:1;mso-yfti-lastrow:yes'> <td style='padding:0cm 0cm 0cm 0cm'> <p class=MsoNormal><a href="referfriend.html"><span style='mso-fareast-font-family: "Times New Roman";mso-no-proof:yes;text-decoration:none;text-underline: none'><img border=0 width=185 height=55 id="_x0000_i1025" src="pics/referfriend.gif" alt=Refer></span></a><span style='mso-fareast-font-family: "Times New Roman"'><o:p></o:p></span></p> </td> </tr> </table> <p class=bluecolumnheader>Want someone who puts your interests first and offers unbiased advice in comparing loans, insurance and tax planning?</p> <p class=bluecolumncopy>As licensed financial planners we incorporate your insurance needs into your overall financial planning and loan needs. We ll tell you about the different types of insurance on offer - and the policies that are right for you.</p> <p class=bluecolumncopy><a href="mailto:info@lifetimeadvisers.com.au?subject=Web%20Enquiry"><span style='color:white'>Contact us today</span></a></p> </td> </tr> <tr style='mso-yfti-irow:2;mso-yfti-lastrow:yes;height:37.5pt'> <td colspan=3 style='background:#CC0000;padding:0cm 0cm 0cm 0cm;height:37.5pt'> <p class=MsoNormal align=center style='margin-left:11.25pt;text-align:center'><span style='font-size:9.5pt;font-family:"Arial","sans-serif";mso-fareast-font-family: "Times New Roman";color:white'>Lifetime Advisers Pty Limited is a Corporate Authorised Representative of <span class=SpellE>Lionsgate</span> Financial Group Pty Ltd ABN 92 140 591 484. Australian Financial Services License 342766. Copyright 2012. <a href="http://www.s2.com.au/" target="_blank"><span style='color: white'>Original site by S2 Design</span></a></span><span style='font-size: 7.5pt;font-family:"Arial","sans-serif";mso-fareast-font-family:"Times New Roman"; color:white'><o:p></o:p></span></p> </td> </tr> </table> </div> <p class=MsoNormal><span style='mso-fareast-font-family:"Times New Roman"'><o:p>&nbsp;</o:p></span></p> </div> </body> </html>