Navstar Financial Services & Solutions Pty Ltd ABN 14 110 510 024 LOANS TO SUIT ALL WALKS OF LIFE                         Finding the right financial advice for your financing needs is difficult. There are 100’s of loan products on the market and it is a time consuming, and confusing process to navigate which one is right for you or your business. Navstar Financial Solutions are finance specialists who understand that there are no fixed answers in financing. We will help you find a finance solution that meets your  requirements, and structure it to ensure you get the right answer. Keeping up with financial products and the Australian mortgage market can be hard work, so we’ve put together a host of information, tools and commentary to help you stay one step ahead. We’re part of AFG - the group that offers more than 800 financial products from Australia’s leading lenders. Tens of thousands of Australians look to one of AFG’s 2,200 brokers for help with their home or business finance each month. Whether you want to invest or refinance, buy your first home or ensure your current home loan is still the right one for you, we can help. Check out your loan options with our clever loan option tool, see how your neighbourhood rates with our suburb profile report, or take a look at some of our home, lifestyle and finance tips. If you get stuck or can’t find the information you need, click on a yellow note you’ll find throughout the site, or simply fill in the box to the right anytime to send us a question *Free SMSF Bare  Trust Docs! SELF MANAGED SUPER FUNDS Leveraging Your Self Managed Super Fund is Now Evan Easier RESIDENTIAL SMSF LOANS NOW AVAILABLE UP TO 80% LVR DON’T PAY UNNECESSARY FEES WHEN ESTABLISHING YOUR SMSF LOAN. CALL US FIRST 02 9402-8330 Ask for MIKE or Send us your Questions CLICK HERE Australian Credit Licence Number 385525 Get our SMSF Borrowing Fact Sheet Now All your questions answered Mike Feltscheer NAVSTAR FINANCE NEWS  Feb 2011 Following last year’s decision to announce interest rate decisions out of step with the RBA's cash rate announcements, ANZ announced it planned to raise its standard variable rate (SVR) by 0.06% in February. Many other lenders followed suit and raised their rates, with NAB and its subsidiary UBank raising rates by 0.09%, and CBA, Bankwest and Westpac raising rates 0.10%. Many other lenders, including Macquarie Bank and Greater Building Society, also raised rates by 0.10%. The biggest movers were Bendigo and Adelaide Bank, which raised rates by 0.15%, and St. George, which raised rates 0.12%. By contrast, CUA, Intech Credit Union and Telstra Credit Union all announced that they would be leaving their rates unchanged. Lenders have cited rising funding costs as the reason for lifting rates. While this claim has come under criticism from French bank Société Générale, Steve Munchenberg of the ABA and the RBA itself have both supported the idea of rising funding costs for Australian banks. Indeed, CBA chief executive Ian Narev has said that prior to the decision to raise rates, CBA was writing mortgages at a loss, with the cost of wholesale funds having risen significantly over the past five years. Source: Australian Retail Banking Monitor