ZENRG Finance Pty Ltd

Thanks NAB for inviting both Adrian McVittie & myself to this afternoon's appreciation event! Over 11 years experience in the Mortgage Broker industry I always have a saying to our team that "We are only as good as our BDM"! Both Sunny Cheng (JP) BDM for Residential & Erica Lu BDM for Commercial have been excellent at supporting the ZENRG Finance Pty Ltd Team - even if it means a simple return phone call to share our wins or a scheduled session to listen to our feedback on how NAB can CANI (constant and never-ending improvement). NAB has changed/improved so much since I was working there & well done to their deserved success! I even wore the right colours for this occasion & not just a ZENRG polo 👕 🤔!!!! TK Yeoh Gerard (Geffin) Musa III Francis Choo Tina Baswan Lillian Dang Tiffany Chen Jan Jeryko Chan Catherine Morga Joanna Paolla Siglos Mark Wesley Ignacio @Danica Duque Monica M. Albert Michael Aguilar

New starters Wang Chan & Maya Shrestha - they are outstanding students studying a Master of Accounting Degree. Both are very enthusiastic & great energy for today's ZENRG Finance Pty Ltd Induction Session (compulsory for all new starters!). Went through all the business structures from sole trader all the way to SMSF and it blew their minds away 🤯🤯🤯! I shared my entities in Xero (just to be relevant hahaha) & they said we have only scratched the surface when it comes to Accounting 😂 lol - "Execution trumps knowledge any day of the week!" Tony Robbins Mastery in any discipline takes time, wins, learnings, consistency, persistence and reflection + much much more...... "The journey of a thousand miles begins with one step." Lao Tzu. Looking forward to the next session!!!!! Adrian McVittie Francis Choo Evan La JP TK Yeoh Lillian Dang Tiffany Chen Tina Baswan Gerard (Geffin) Musa III Jan Jeryko Chan @Danica Duque Monica M. Albert Michael Aguilar Joanna Paolla Siglos Catherine Morga Mark Wesley Ignacio

Thanks Omar Bassam Ibrahim from St George for the following: 1. Saying "YES" to donating 🏫🎒 merchandise like pens, writing ✍️ pads and colour ✏️ pencils to those in need. 🙏🙏🙏 2. Taking the ZENRG Finance Pty Ltd Team on a Thai Riffic lunch 🥗🍱🍲 highlighting St George 🐉 improvements & how this add values to our clients besides 💵💰 Cashback (T&Cs apply)! 💪 Omar is a man filled with +ve energy & passion for St George!!!! I feel I was the one asking questions but he then answers with another thought provoking question 🤔 lol??? 👏👏👏 Adrian McVittie TK Yeoh Evan La JP Lillian Dang Francis Choo Gerard (Geffin) Musa III Tina Baswan Tiffany Chen Monica M. Jan Jeryko Chan Catherine Morga @Danica Duque Joanna Paolla Siglos

Big thanks to Nicholas Van Den Heuvel from ORDE Financial for the awesome presentation on your niches and why Mortgage Brokers @ ZENRG Finance Pty Ltd should be using you guys! I am totally sold on everything, from Full Doc to Alt Doc, Residential 🏡 to Commercial 🏢, Partially completed Construction 🚧 to Bridging 🌉, and the list goes on.... 😃 I now understand why your motto is "Built for Brokers!" and thanks for providing all your cool merchandise (pens and writing pads) 🖊️📒 Just to let everyone know, we're going on a mission trip in early June 2024 to the Philippines where we will be donating resources/merchandise to schools 🏫 that need them the most! 🌍 I challenge all Business Development Managers to share/donate your BRANDED 🎯 merchandise, and we will definitely mention your support in our future posts! 📣 T - Together E - Everyone A - Achieves M - More Adrian McVittie Evan La JP Francis Choo TK Yeoh Tina Baswan Gerard (Geffin) Musa III Lillian Dang Tiffany Chen Monica M. @Jan Jeryko Chan @Danica duque Catherine Morga

🌟 Amazing turnout at the latest VOW Professional Development Day (except for our ZENRG team, most of whom are overseas)! 🌍 So many insightful speakers and tons of learning opportunities! 📚 Did you know that over 70% of mortgage origination is handled by mortgage brokers? 💼 It was fantastic to catch up with the young talents from Zinger Finance, and we were buzzing about which lenders we prefer in different scenarios... and then this scenario happened! 😄 Big thanks to VOW for yet another fantastic event! 🙌 The timing from 10 am to 2 pm was just perfect! ⏰ We had great speakers from various lenders, the VOW Leadership team, and FBAA. 🎤 The location was spot-on with plenty of parking available. 🚗 The food was delicious. 🍲 Networking was fantastic (loved meeting both new and familiar faces)! 👥 According to the Westpac economist, inflation has significantly dropped, which is a positive sign! 📉 Can't wait for the next one! See you then! 👋 ZENRG Finance Pty Ltd Adrian McVittie Francis Choo TK Yeoh Evan La JP Catherine Morga Lillian Dang Tiffany Chen Tina Baswan Gerard (Geffin) Musa III Jan Jeryko Chan Monica M. Joanna Paolla Siglos

🏠💼 Beyond Interest Rates: The Key to Wealth 📈🔑 Unlocking Wealth: Beyond Rates, Embrace Expertise 🌟! Thanks Anique Vo from Solomons Private Wealth for educating the ZENRG Finance Pty Ltd team on what is possible with solid real life examples how we could add more value to our clients especially around SMSF! In mortgage brokerage, focusing solely on interest rates misses the bigger picture. True wealth growth demands a holistic approach, leveraging a network of trusted experts. Let's explore why this collaborative mindset is vital for brokers aiming for client financial success. 💼💡 1. Beyond Interest Rates: While low rates matter, they're just a part of the wealth puzzle. Brokers must see the broader strategy beyond rates for true wealth creation. 🔄 2. Power of Collaboration: Wealth isn't built alone. Brokers link clients with experts like financial advisors, real estate agents, tax accountants, and estate planners for tailored solutions. 🤝 3. Navigating Finances: Wealth involves various areas: real estate, retirement, taxes, and diversification. Brokers with a strong expert network guide clients through this landscape. 🌐💼 4. Trust and Expertise: Trust is key. Clients rely on brokers for more than just home loans — they seek expertise and trustworthy referrals. 🎯 In essence, wealth growth transcends just home loan interest rates. It's about collaboration, trust, and expertise. Brokers who embrace this approach and build networks of trusted experts empower their clients for financial success. 🚀 Here at ZENRG Finance - "We Grow with you!" Adrian McVittie TK Yeoh Evan La JP Francis Choo Tiffany Chen Lillian Dang Tina Baswan Gerard (Geffin) Musa III Jan Jeryko Chan Danica Duque Monica M. Joanna Paolla Siglos Catherine Morga Danica Duque

🎉 Last Friday we renamed the office to NAB head quarters & sending heaps of appreciation for all the support as always! 🙌 Thanks to everyone for organizing and keeping us updated everything NAB small & large business - Troy Elias, Erica Lu, Sagar Seth, victoria grasso Shelly Sardana, Praba Kanesan, Jacob Silwanis 💼 Since these bankers visit regularly, we challenged each one to share a recent complex scenario they've approved with credit & what made it complex, and how they managed to get it across the line. (Felt like a NAB behavioral questions interview lol 😂......) Some Key Takeaways: - Ability to go 80% LVR on owner-occupied Commercial properties 🏢 - Ability to fund Franchises 🍔 - Appetite for unsecured deals, they called it Cat J, which is the risk level based on LVR and business risk rate 📈 - Ability for individuals to purchase commercial properties in their personal names without setting up a Special Purpose Vehicle (SPV) 💼 - Watch this space for unsecured business funding up to $250k 💰 Man, the list goes on! It was such a fruitful conversation. 🌟 The theme is that they could always place a deal, so let's workshop with them first 💡! ZENRG Finance Pty Ltd Adrian McVittie Evan La JP TK Yeoh Gerard (Geffin) Musa III Francis Choo Tina Baswan Lillian Dang Tiffany Chen Monica M. Jan Jeryko Chan Danica Duque Albert Michael Aguilar

Just WOW...... 😲!!! We should soon rebrand our office to become the ANZ Commercial Head Quarters...... Why? We are so grateful that there are so many ANZ Commercial Leaders supporting ZENRG Finance Pty Ltd + purchasing our ☕🙏! There were 👔👨💼👩💼- ANZ Small Business Managers Albert Darmali & Brenda (Wood) Chung along with their Boss/Fearless Leader Amanda H., Vinodh Kumar, CSM,CSPO from ANZ Health, Amol Ojha (aka "The DREAM seller!"💭) from ANZ BDM Team & @David Mahon from ANZ Relationship Manager with lending from $1.5 mill to $15 mill.🏦🏧💱💵💸 🌟 Excited to share some insights into ANZ's commercial lending offerings! From tailored solutions for small businesses to comprehensive financial packages for large enterprises. Some keywords came to mind were: 1. #leasedoc 2. #franchiselending 3. #80percentowneroccupiedcommercial 4. #minimumreviewsdependingonscenario 5. #unsecuredbusinesslending 6. #goodwilllendingfordoctors ANZ is committed to empowering businesses of all sizes to thrive. Reach out to learn more about how our commercial lending solutions can support your growth journey. #ANZ #CommercialLending #BusinessGrowth 🚀💼📈 Lillian Dang Adrian McVittie Evan La JP Francis Choo TK Yeoh Tiffany Chen Tina Baswan Gerard (Geffin) Musa III Albert Michael Aguilar Monica M. Jan Jeryko Chan Danica Duque

Thanks Leon Stern from Resimac for taking us to a Yummy Lunch at Mamak! Appreciate your on-going support - spending time⌛ to workshop complex deals & your speed in returning our phonecalls📱!!! 🌟 Hungry for innovation? Introducing Resimac Lender – the flavor-packed solution in the mortgage industry! 🏠 Just like Malaysian food delights with its diverse flavors here at Mamak, Resimac offers a range of niche lending options tailored to Business needs in the Alt Doc space (no risk fees up to 80% LVR). 🍜 They even have a 100% LVR lend on Owner Occupied properties subject to lending criteria of course which is just out of this world 🤯🌍! Whether you're craving a traditional home loan or a spicy alternative/specialist document mortgage, Resimac serves it up with excellence and flair! 💼 Let's spice up your financing journey together! #Resimac #LendingFlavors #Innovation #PreferredLender #AlternateDocumentSpace #Innovation ZENRG Finance Pty Ltd ty Ltd Adrian M Vittie Eva K Yeoh Franc s Choo Lilli n Dang Tiffa y Chen Gerard (Geffin) M sa III Tina Baswan Jan Jery o Chan Danic

Thanks for your time Mr. Steven Goh 🙏 as you are NOT "just some guy"😊! Your passion, energy & insights on AI in the financial services industry is captivating 🌟! I believe passion will only get you so far but needs to be accompanied with business skills 💼. Reading up on your profile I know you have built many successful businesses therefore we are so confident that you are going to take this new venture to great heights! 💪 Here ZENRG Finance Pty Ltd we are always looking for ways to strategically innovate therefore the tools that Mr. Goh showed us was just WOW 😲! We are so grateful to not just meet you via ZOOM whilst you were residing in Thailand but in person... Also special shout out to Francis Choo for connecting me with Leonard Choo who then connected us to Mr. Goh! It's just amazing how this world works when we have the right intentions... 🌍 #gratefulfortheopportunity #awo #itsnotwhatyouknowbutwhoyouknow #lifeisaboxofchocolates #begoodtoyourstaff Adrian McVittie Evan La JP Lillian Dang Tiffany Chen Tina Baswan Francis Choo Gerard (Geffin) Musa III Jason H. Oplex Alex Minter - Buyers Agent Mark Cadiao TK Yeoh Jan Jeryko Chan Monica M. Danica Duque Daniel Shalala