Specialists in
Vehicle and
Property Finance

"Our goal is to save
clients time, money and
hassle whilst delivering a
5 star experience"

- Tareq & Zaid (Owners)

Specialists in
Vehicle and
Property Finance

"Our goal is to save
clients time, money and
hassle whilst delivering a
5 star experience"

- Tareq & Zaid (Owners)

Car Loans

New, Used, Demo or Private sales we can assist. no deposit, flexible terms, competetive rates!


From first home buyer to refinance or investment, we can help. Talk to an expert today!

Car Loan

Whether a New Business or an Established Company we have low-doc loans to suit all scenarios

Commercial Equipment

Trucks, Forklifts, Tractors Machinery, we can offer low doc business loans to suit!

Need the Numbers?

Click below to head across to our Loan Calculator for a better idea on your finance options

About Us

Specialising in Vehicle and Property Finance we can assist you with every step of the process. We offer a professional, fast and personalised service ensuring you have nothing but a great experience.

Our team are Honest, Responsive and will keep you updated throughout every stage. And because we treat everyone like family, you will always be in good hands! 

Customer Reviews

Hear what our awesome customers had to say about their experience!

Ivy AlejadoIvy Alejado
05:00 06 Jun 22
Zaid has done a great job helping us with our home loan. He’s such a breeze to work with. He is very knowledgeable, responsive, and just an absolute best in doing his job. He just made our dream come true. Would definitely recommend him to anyone 100%.
11:02 05 Jun 22
We had an excellent experience as clients of Zaid. Zaid was prompt, reliable, professional and provided regular updates on the progress of our application. We are very happy with the quality of the service and the overall outcome that was achieved.
23:54 30 May 22
I could not recommend Tareq’s broker services highly enough!!!Thank you so much for helping me to get my second loan in less than two months. Only you could make it possible, my situation wasn’t the best looking for it, but certainly Tareq’s professionalism & passion for what he does, it automatically reflects in a positive outcome!!!He was patient with me, as it was my first time getting a loan, he explained everything making easy to understand how it works! His knowledge about it… it is a HUGELY relief. He could even answer and keep working after office hours, letting me feel safe!If there is a chance… there isTareq!!!Don’t hesitate to call him, you will be achieving it!
Cain VerlindenCain Verlinden
06:31 16 May 22
The absolute best in the business. It was a long road to getting my vehicle sorted in a post-covid world, but I always felt someone had my back along the way.Tareq is professional, diligent, very knowledgeable, and really cares about his clients and wants best for them. I would not hesitate in using his services again, and would recommend Tareq to anyone looking for financial advice and services.Thank you for an outstanding experience.
maddie matthewsmaddie matthews
01:28 30 Apr 22
Zaid is hands down the best mortgage broker in the market. He is knowledgeable, responsive and really cares about getting the best outcome for his clients. Zaid did my home loan a few years ago then just did my refinance and both experiences were 10/10. Thank you for being the best!
Kelera Theresa LoauKelera Theresa Loau
09:38 22 Apr 22
Tareq provided us with exceptional customer service, very diligent in his approach and willing to get the best result. His professionalism, service and can do attitude is highly regarded. We would definitely recommend his expertise.
sallyanne Hagesallyanne Hage
02:41 09 Mar 22
Working with Zaid was an absolute pleasure .He was so accomodating and chased up every issue that needed to be sorted… nothing was ever a problem. He made my whole experience stress free. I really carn’t thank him enough for all the effort that he put in to making my experience a pleasurable one.
Srinivas SubramaniamSrinivas Subramaniam
22:32 16 Dec 21
Tareq made the whole process a lot easier. Highly recommend
Ryan StackRyan Stack
03:20 01 Nov 21
Tareq was easy to contact and talk to. He explained every step of the process and when unexpected issues arose he was was quick to find solutions. Couldn’t have picked a better broker for a used car loan. Highly recommend.
Daniel LombardiDaniel Lombardi
08:11 27 Oct 21
Recently had the pleasure of dealing with Tareq from SB Finance in getting finance for my new vehicle. The process was smooth and from the time of lodgement to approval to receiving the new car it only took 2 days!!! Would highly recommend them in finding you the best deal in financing in the most efficient way.
Nick MawerNick Mawer
00:54 25 Oct 21
I can’t speak highly enough of the professional nature that Tareq Shnoudi from SB Finance, looked after our interests for some recent car finance we required. Every step he made sure we were comfortable with the information and process, and communicated with us extremely well. I would definitely recommend SB Finance and especially Tareq if anyone was looking at sourcing any kind of finance in the future.
Richard HazzazRichard Hazzaz
23:37 19 Oct 21
SB Finance knowledge was impeccable, service was very efficient, communication was honest and were hard working to meet our needs. Highly Recommended!
Christian DoumitChristian Doumit
07:18 30 Sep 21
Working with Tareq from SB Finance has been an absolute pleasure!Not only did he get me the best possible deal on my finance for a used car, he also made the entire process very simple, smooth and efficient.Tareq genuinely cares about his customers and I would certainly recommend Tareq and the SB Finance team for anyone seeking finance.
Howard PoonHoward Poon
13:45 25 Aug 21
I had a fantastic experience working with Zaid in re-financing my loan.Whilst I had done research about it and knew exactly how I wanted my next loan structure to look like, Zaid was extremely professional and considerate about what my family needed.Within 1 week, I received an email outlining the structure of my loan with the rates which was a huge relief.Contacting him throughout the re-financing process was also very smooth, and responded to my questions via email, phone and social media (all at different times).At no stage did I ever feel any pressure to pick a particular bank or proceed with taking his offers and will definitely be a returning customer.Thank you again for helping our family out Zaid!
connor milliganconnor milligan
11:06 22 Aug 21
Zaid at SB finance was fantastic to work with. The team has a wealth of knowledge and got back to us in a professional and timely manner at every step. Looking forward to working with Zaid in the future. Thanks again !
Scott AnthonyScott Anthony
01:06 11 Aug 21
Zaid & Tareq are my go to guys for ANY finance. Professional, efficient and great guys to deal with. They are upfront and honest and will do everything they can to help you succeed. The communication is totally on point and I felt like they were fighting hard for the best deal for me the whole time. Thanks guys. Can't wait for the next deal.
Antony MaaitAntony Maait
06:51 28 Jul 21
Tareq and Zaid were consummate professionals. Kept us fully informed throughout the entire process, contacted all external parties on my behalf as required and when the time came to sign the paperwork, we were in lockdown so they even arranged contact less paperwork to be handed over.Would highly recommend and use again.
Ben DrougasBen Drougas
19:08 15 Jul 21
Tareq was an absolute legend to deal with and worked hard to get me the absolute best deal! He was communicative and never disappeared if there was a problem or challenge. I could not recommend him and SB Finance enough!
Fatema MFatema M
23:17 27 Jun 21
Highly recommended ! Great service, easy to work with and answers trivial questions without reluctance. Will definitely reach out for any other purchases.
Anshul PandeyAnshul Pandey
05:30 23 Jun 21
I have engaged both Zaid (home loan) and Tareq (car finance) and can confidently day they are the best in the business. What makes them great is not only do they have a wealth of experience in their field. Are professional and they always strive to find the best solution that matched my requirements but they are both genuinely nice guys and help out whereever required. Always responsive! Truly a pleasure to deal with your company. I highly recommend SB finance for all your finance needs.
M&M PuskarcukM&M Puskarcuk
09:19 17 Jun 21
Zaid from SB Finance was great to work with. He was well informed, helpful and prompt in his communication with us, and was always available to answer any questions we had both during and after the refinancing process. Highly recommended!!
Nathan SheratonNathan Sheraton
06:33 02 Jun 21
I found Zaid professional, friendly and he communicated effectively. He found the best deal for me and was very patient. I would highly recommend him!
Shari OdeShari Ode
05:50 27 May 21
I was put in touch with Tareq from SB Finance a few weeks ago when we had decided to purchase two new vehicles. Tareq was amazing, he took care of everything and made it simple for us even though our situation was a little involved. He worked his magic on one car, then the next and secured the best possible outcome for us on both vehicles. We'll definitely recommend Tareq to anyone we know needing to sort car finance or any finance for that matter. Thank you for your assistance and professionalism.
MIchael HIckeyMIchael HIckey
09:47 26 May 21
Tareq has just settled loans for me and my partner for 2 new cars and the speed, ease and professionalism of the experience has resulted in two beautiful new cars in our garage and two very happy clients. If you are looking for a fast, friendly, efficient operator you will not be disappointed when you are in SB Finances care. Great job Tareq.
Ben SBen S
10:43 12 May 21
The team at SB Finance are true professionals and are passionate about helping you secure the best deal for your situation. Tareq was professional and made the whole process simple and stress free.Thanks again 👍🏽
Sam BilandSam Biland
00:42 28 Apr 21
It was super stressful and daunting buying our first home! Thank god we had Zaid to guide us through the process and explain each step, helping us all the way.Now we can look forward to moving in and starting a family!
Jodie SultanaJodie Sultana
02:37 15 Apr 21
Tareq was friendly, fast and efficient with his service. Never felt like I had to worry as everything was taken care of promptly. Great communication, constant updates. Could not recommend Tareq enough to anyone needing finance.
Brian JonesBrian Jones
01:08 08 Apr 21
I spoke with SB Finance regarding finance for a new vehicle purchase. The service was incredibly efficient, with settlement taking less than 24hrs once the formalities had been taken care of. I would recommend and certainly use again.
Cas ChickCas Chick
08:32 29 Mar 21
Zaid was great and super helpful with all things finance! For someone so inexperienced, I felt very supported and confident with Zaid beside me. Would recommend him to anyone looking for a finance broker.
Jessica MayburyJessica Maybury
23:23 24 Mar 21
Tareq was so friendly, reliable, fast and professional to deal with. I definitely would not hesitate from using him again in the future!
Andrew SchroderAndrew Schroder
21:50 10 Mar 21
Smooth process from start to finish. Excellent service and communication. Even got a free umbrella to protect me from all the money I saved!!
Chandni KapoorChandni Kapoor
04:39 24 Feb 21
It’s been an absolute pleasure dealing with Zaid on organise our property loan. Zaid was not just helpful and super responsive but guided us on how to best structure our loan. This saved us some money. He took all the effort from start to finish. Absolutely recommend Zaid.
Nelson RajNelson Raj
01:04 24 Feb 21
We were referred to Tareq Shnoudi from one of our friends and we used his services to finance our vehicle purchase and we were extremely satisfied with the process knowledge and service excellence that was provided to us. The entire process was managed during the COVID time, which meant it was done almost entirely remotely, and he was able to provide us with a great level of service even then. We would highly recommend his services for your next vehicle finance.
Adam TurnbullAdam Turnbull
23:48 16 Feb 21
Great service from Tareq. I had a car loan applied for, approved and settled in the same day! Highly recommended
Maz VallettaMaz Valletta
02:48 11 Feb 21
Tareq & Zaid thank you so very much, your hard work and perseverance on a challenging request I presented was nothing short of brilliance. Within a couple of days SB Finance secured a really great deal for me better than the dealership or bank by comparison. Always kept me well informed as my application progressed via email, text & calls, true professionalism. Tareq you worked so very hard on my behalf, above my expectations thanks mate. SB Finance I shall be recommending you to my family & friends (customer for life).
George DibouGeorge Dibou
04:58 03 Feb 21
Thanks Team, efficient and effective car finance! Tareq helped me get a new care with a new abn in a day or two. Communication and professionalism was world class. Thanks guys!
Pat HanrahanPat Hanrahan
23:52 08 Jan 21
Thank you so much Tareq for your hard work but also your professionalism with our car finance. You provided a really good finance option compared to dealership and other finance options we looked at. You were able to navigate through some challenging circumstances around the Christmas/New Year period for us so we could get our new car as soon as possible. Your communication during the whole process was first class with updates and being accessible to answering any queries we had in general. We will definitely be recommending your services to family and friends in future.
Joe SmartJoe Smart
21:33 07 Jan 21
We used SB Finance to broker our first home purchase. Zaid was excellent in helping us and assuring us we could make an offer with a strict deadline, even though we didn't have the bank's pre-approval in place. Needless to say he was relentless and made sure we were approved in time!Thanks to Zaid and SB Finance. We will be back for sure!
Ganesh GowthamanGanesh Gowthaman
09:39 29 Dec 20
Excellent service and great outcome. Thanks for keeping me informed right through the process and the guidance. Very professional and good customer service. Will recommend highly.
Shane DalgairnsShane Dalgairns
10:16 14 Dec 20
Great service, friendly and very helpful. Refinanced our mortgage and he went out of his way to help us and get us a good deal.
victoria bibetvictoria bibet
04:25 08 Dec 20
Zaid, our broker was really good and always communicated when needed. He was very helpful, friendly, accommodating and always available to have a chat.Covid hasn't made it easier for everyone but Zaid made sure he didn't affect the service he was providing. I would recommend him and the team 100%. Thank you for your support throughout our home buying journey 🙂
Sumit GovilSumit Govil
02:19 26 Nov 20
Through my interaction and dealing with SB Finance, I realised what I was loosing by not going through them. Tareq provided me with the best quote from the dealer and also got my loan approved at a very good rate. Every step was smooth and swift, I didn't even have to get out of my home through the entire process. Will definitely like to deal with them again.
Maysara Al-JadirMaysara Al-Jadir
04:59 25 Nov 20
Amazing experience with Tareq. Thank you for making it so easy to secure a car loan and even outsource the car at great price. Appreciate your service.
Lydia SurgeonLydia Surgeon
04:54 17 Nov 20
Tariq from SB Finance was amazing to deal with!It took less then a week to sort my finance out and made it so easy for me as this was my first time dealing with taking out a loan.Tariq is so friendly and went above and beyond to make sure it was done quick and easy! Great rates and great service! Highly recommend, I will be doing my finance through SB from now on!
Mark SametiMark Sameti
00:36 30 Oct 20
These guys helped me in finance procedure within the shortest timeframe I imagined had the absolutely no headache.I highly recommend SB Finance.Well done and again thank you so much Guys!
Kathryn McHughKathryn McHugh
03:52 28 Oct 20
Tareq has been an absolute pleasure to deal with. He is attentive, prompt and very professional in his business. He secured us a 2021 model car (that we didn’t even know existed and had only commenced rolling out), along with a fantastic and very low interest finance (cheaper then our own credit union could provide). We had a brand new car in our laps within 9 days off enquiring. Highly reccomend his services.
Karina JarjoKarina Jarjo
03:02 17 Oct 20
Tareq was wonderful in helping get the right finance so i could purchase my brand new family car. Could not be happier with his professionalism throughout the process and the unbeatable rate we got to!
Nathan RanceNathan Rance
21:44 07 Oct 20
Zaid’s service is fantastic. We got told from several brokers before meeting with Zaid, that we couldn’t get finance on our apartment and we should sell it if possible. After speaking with Zaid, he said it can be done. Although it was very tight, Zaid showed resilience, patients and faith to get our finance through. I will definitely return to Zaid and I will tell my friends and family too as well. Thanks Zaid
Ben MieschBen Miesch
02:21 07 Oct 20
Great service. When it was all to hard for the Car Dealer Tareq went above and beyond to get me the best rate.
Matt MorganMatt Morgan
04:36 02 Oct 20
Recently used the Team at SB Finance for a vehicle purchase and could not be happier. They made the whole process a breeze and we will definitely be back when we require finance in the future.
Matt BMatt B
02:44 02 Oct 20
I am very happy with a vehicle loan arranged by Tareq. Customer service was spot on. He replied to my questions very quickly and I have great confidence in his knowledge.
Joanne HerreraJoanne Herrera
01:15 02 Oct 20
Tareq was great efficient and timely. Great at communicating while working the process of each stage for finance of my car.Thank You
Andrew KingAndrew King
07:14 05 Sep 20
Zaid was very attentive, thorough and professional throughout our refinance.He always went above and beyond to keep us informed during the process.We would highly recommend Zaid for all your refinance needs
John VillanuevaJohn Villanueva
07:15 26 Aug 20
Tareq was very efficient, accurate and friendly. Always kept me up to date and made the entire process short, simple, quick and easy. Really appreciate the great service, highly recommended!
Rajeev SharmaRajeev Sharma
04:25 17 Aug 20
I re-financed my house with Zaid, and he provided me with a fantastic outcome which far exceeded my expectations. Thanks mate.
Brandon VellaBrandon Vella
01:04 26 Jul 20
I couldn’t recommend SB finance enough! Tareq was professional and knowledgeable from the second I contacted him. He managed to secure me a great deal for my new work truck. Will definitely be using them for all future business and personal purchases!
10:23 22 Jul 20
Tareq was very professional and was very thorough with all the details and options he gave us when we went for our car loan. Tareq gave us several options and explained everyone which made our decision making easier, and so simple. Highly recommended Tareq and we love our new Mitsubishi ASX
04:41 17 Jul 20
Amazing service by Tareq at SB Finance.Knowledgeable, professional, honest and pleasant personality.He handled the whole process smoothly and made it very easy for us.We look forward to working again with him in the future.Highly recommend.
Bharat GulatiBharat Gulati
01:58 23 Jun 20
Tareq helped me with my car loan recently and made the whole process very smooth and stress free. He was always available to answer any questions anytime throughout the whole process. I can confidently say that that Tareq is the most professional broker I have dealt with in recent time. Highly recommend Tareq at SB finance for any Car Loan requirements.
Tanya LeschevTanya Leschev
07:53 09 Jun 20
Tareq is the best car broker I have ever used. As a small business owner he made the process so easy and kept me informed until settlement.
Jay CartwrightJay Cartwright
03:55 30 May 20
Tareq was a great help with financing our business vehicle purchase. Worked very quickly and seems well connected across multiple lenders. Was easy to meet with, friendly and professional. Will use again for the next purchase
Justin StackJustin Stack
02:15 28 May 20
Thanks for the great service. You made obtaining finance quick, hassle free, and also secured a great price our new vehicle.
Rochele HannaRochele Hanna
04:53 25 May 20
Tareq did a great job helping me with my car finance. I would highly recommend SB Finance to everyone and I will definitely without a doubt be utilising their services again in the future!
Tatum WestTatum West
04:08 22 May 20
I highly recommend Tareq and SB Finance - Tareq made financing of our new car such a hassle free process, and was responsive and professional throughout.
Attlee HsuAttlee Hsu
03:09 19 May 20
Very efficient and easy to deal with. I bought my car with a big dealer but they couldnt get the finance through and I was referred to Tareq which resolve the issue within two days. Very happy customer, strongly recommend!
Richard StonemanRichard Stoneman
23:04 13 May 20
Great service to assist with the sourcing and finance of a new car! Most importantly for me, Tareq took the complexity out of the process - I was amazed how simple it was! Thanks Tareq - look forward to working with you again.
Dipal ShethDipal Sheth
22:58 10 May 20
A huge THANK YOU to Zaid for helping me for my first home loan, explaining me about each and everysteps in detail and made the process easy for me. Definitely reliable, honest and fantastic service and highly recommend to anyone:)
Prajeesh KsPrajeesh Ks
23:42 16 Feb 20
Tareq made the things easy for us with his service. I'll definitely go with him for future deals.
andrew sidisandrew sidis
08:17 04 Feb 20
A big thank you to Zaid for his fantastic service throughout the whole process of buying our home. Being first time home buyers, we had plenty of questions and Zaid was so helpful to guide us step by step and answer any query we had at any time. Highly recommend Zaid & thanks again!
Tanya kellyTanya kelly
23:35 20 Jan 20
Thank you Tareq for making the purchase of my new car possible and hassle free.
Deepak SachdevaDeepak Sachdeva
11:39 10 Jan 20
Big shout to Tareq for helping me getting the required finance within a short period of time along with the best rate of interest. He not only briefed the better options but explained each and everything thing in detail and made the process much easier.Thanks mate!
Christine DabitChristine Dabit
23:28 11 Nov 19
Amazing service by Tareq at SB finance! Got my car loan approved within a day and was able to pick up my car the next day! So reliable, honest and convenient. Highly recommend 👍🏼
Hamish McDonaldHamish McDonald
07:43 08 Nov 19
The quality of service from Tareq was amazing. Absolute professionalism from start to finish and beyond. If you are not using Tareq & SB Finance for your needs then you are using the wrong company.
Simon VellaSimon Vella
03:37 22 Oct 19
Dealt with Tareq and I must say one of the most professional brokers I have ever dealt with. Process was seamless. I have bought plenty of vehicles in the past and will definitely be using him again. Can not recommend him and his team enough. You will not be disappointed. Tareq is your man!
Freddy HandaFreddy Handa
21:58 22 Sep 19
Informative, honest, down to earth and very approachable. Zaid is absolutely amazing to deal with, he is very professional and will guide you from start to end keeping you stress free. I can highly recommend SB Finance. Many thanks Zaid, you've been great help to me and my family...!
Jeff LamJeff Lam
10:24 28 Aug 19
Tareq is a friendly and reliable broker who went above and beyond to achieve what we needed. He came across something he had never dealt with before and accomplished it in a very professional manner. Would highly recommend. Thanks again Tareq!
Alex EvansAlex Evans
09:23 08 Aug 19
Tareq and Zaid have been absolutely amazing to deal with. They are professional, motivated gents who are masters at their profession. I would happily do business with them again, and look forward to the next time! Many thanks guys, you've been great!!
Alex CoulsellAlex Coulsell
05:46 16 Jul 19
Thank you so much to Tareq for helping me purchase my first brand new car. I’m extremely happy with the service I received and will definitely be coming back to him in the future if I require assistance with any loan, and I have also recommended him to my friends. He was extremely quick and had me approved for a loan within a few hours, which was also at a way better interest rate!Thank you for making the process so much easier!
Scott WarnockScott Warnock
10:26 11 Jul 19
Tareq went over and above the call of duty from start to finish when buying my first car here in Australia. Advice when I needed, conscientious, diligent and more patient than I with the garage!Can't recommend highly enough, for a detailed service, with no hassle, I'll be back for my next car or house finance!
I can highly recommend SB Finance. I applied for my first car loan through them and the whole process was smooth and quick. Tareq was very patient and helpful in explaining all the steps of applying for a loan. The rate was much lower than another companies quote as well. Thank you for all your help! I am loving my new car.
Online ShoppingOnline Shopping
05:08 31 May 19
Tareq settled my car loan when everyone else just wasted time. Straight forward dealing with fastest turn around time. 5 stars all the way.
Sidharth DeshpandeSidharth Deshpande
08:55 20 May 19
Tareq was very helpful in securing finance for me. He is very patient and tenacious. A pleasant personality and genuinely honest. You can feel that he is working in your best interest when you meet him. I wish him all the best for his business and I'm happy to share my experience if anyone wants to know more.
Omar NaimOmar Naim
05:46 01 May 19
Tareq from SBF was absolutely fantastic in helping me sort finance for my car out after a minor issue arose with financing from the original dealership. He made it as stress free as possible and dealt in a polite and very professional manner. As a further bonus I ended up with a lower interest rate than I originally had! Great work, highly recommend.
Adam ThompsonAdam Thompson
09:01 30 Apr 19
Thanks SB Finance for making our new car purchase so easy!!! We were driving away from the dealership in a brand new car only a few days after our initial discussion with Tareq. Not only does he know the ins and outs of finance..he also knows the tricks and tactics used by car dealerships...which helped us secure the best deal! Highly recommended
Ben KhodeirBen Khodeir
00:45 30 Apr 19
Thank you Tareq & the team at SB Finance. Dealing with you was a pleasure. You are knowledgeable and professional. We were able to turn the finance around very quickly and the interest rate was fantastic! If you're purchasing a vehicle or equipment, look no further!
Mark DaviesMark Davies
22:46 24 Apr 19
Just used SB Finance to purchase a new truck, Tareq was great from the get go, finance sorted by COB day one and truck sourced within our budget within a week, then kept working with us and keeping us up to date as the body was built and we got to pick the truck up.Highly recommend
02:21 06 Apr 19
Tareq was so helpful and a true professional. I highly recommend his services and this amazing finance company.
Anastasia NicotraAnastasia Nicotra
04:01 02 Apr 19
Who said buying your first home is daunting? The boys took the stress away from start to finish. They were so helpful throughout the whole process. If you have found your dream home and need assistance in obtaining a home loan, then give these guys a call.
daniel leedaniel lee
22:19 01 Apr 19
I am very happy for suggest and sharing about SB Finance and Specially Tareq.Dear Tareq,I very appreciated for your honest and sincere service.THANK YOU AGAIN of your help and support.
Tammy FarrugiaTammy Farrugia
06:06 28 Mar 19
I would say this was a great experience from both Zaid and Tareq! Thank you for helping all the way through. I would highly recommend you to anyone! Thank you again 🙂
john nuumaaliijohn nuumaalii
19:01 25 Jan 19
Zaid is brilliant and always willing to break down any questions asked. Helpful and I would highly recommend the service. Will definitely be requiring their services more often.

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This page provides general information only and has been prepared without taking into account your objectives, financial situation or needs. We recommend that you consider whether it is appropriate for your circumstances and your full financial situation will need to be reviewed prior to acceptance of any offer or product. It does not constitute legal, tax or financial advice and you should always seek professional advice in relation to your individual circumstances.