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Is now still a good time there for you? Fantastic. Carrie, just before we jump into the call, just to let you know we do record our calls for quality and training purposes. Are you happy for me to proceed with that? Fantastic. And just to do security, we are discussing your personal information. So I'll just get you to confirm your full name, your date of birth, and address I should have on file. Yep. Yes. Yes. That's the one I have here. Thank you so much for that. And that's the updated address we should have? Yes. Perfect. Oh, fantastic. I do see here on the note, one of the things you wanted talk about was trying to, I believe, find your forever home. So stop strategies to stop the renting cycle and gain long term secure accommodation. Is that sort of what you're after for the moment? Or yes. Yeah. So when we sort of look at those things, strategies that I can sort of help you with as a financial adviser is maybe looking at your cash flow and budgeting, giving you ideas on how you might be able to structure your budget to be able to save a bit more money. I can see here from your last that's fine completed with the girls in January. You're saving or we're saving about $200 per week. Are you still managing to save that kind of the those funds? Yes. Okay. Yep. Yes. Yes. Mhmm. Okay. Yeah. Perfect. So it looks like that's a good definitely a good starting point. Yeah. Because the biggest thing is and the hardest thing, especially with where you're at in the know because have you looked you're 57 years of age now, aren't you? Yes. So, realistically, time horizon wise, you don't have, you know, a long time to be able to put the money away to save long term to be able to buy a property because borrowing capacity kind of does get a bit harder when you sort of hit those into the sixty year sixties and seventies just because when you're looking at lenders, they wanna sort of look for an exit strategy. What happens if you can't repay if you decide to retire? How do they, you know, how do you finalize the loan? And property prices are pretty extreme these days as well, aren't they? Yeah. It is very, very difficult. But with that there, so that's 75, $45.90, and then we've got a 120 currently. So once all of that is good, you do have a good $2.37 90 that you're able to save essentially on a weekly basis. Over the course of one year, if you are able to once all of that is good, you've got that free and clear, saving all of that together over twelve months gives you about $12,370. So that isn't bad to start with. Realistically, if you get into the property market, you can do it with, say, a 5% deposit. So what a house price is sort of looking like around your area basis at the moment. Yeah. Okay. So if we say sort of aim it on to be say, we'll aim it on, say, 790,000. So, realistically, you're aiming to try and get a deposit at 5% on 790,000 of about 39,500. If you were to try and do that over the course of twelve months, on a weekly basis, you would need to save about 759 to $760 on a weekly basis, which is quite tight. If you were to sort of try and structure that over two years, and that sort of brings you out closer to 60, to get 5% there, you would need to sorry. I'm just doing some really quick math, but I'm making sure I'm doing it properly for you as well. That one there. Divide that by so 24. That's a 152, 100 for four weeks. Beautiful. Sorry. My thing is a little bit hard later in the day. So over the course of two years, about $379 per week would essentially get you saving that amount to give you a 55% deposit over the course of two years. Does that kinda sound like something that's doable for you, or is that kind of a little bit too far fetched? Or how does that kinda sound so far? Yeah. Correct. Yeah. That is the downside. Yeah. Yeah. Absolutely. Yeah. No. It is difficult. The the other sort of thing and because you are 57, you are closer to, obviously, the age of 60. And even if you start working, the other sort of strategy we have that we could maybe look at when you're close to 60 is, when you get to that point, we actually have these really cool kind of strategies where you can access a part of your super if you want to. So it's called a transit retirement strategy, and I'm just having a quick look at your super to see sort of where your balance is. So your balance at the moment is about 233,000 there. So you can't do this until you turn 60. But at the age of 60, we can take anything we have to leave $1,010,000 in an accumulation in your super account, but we can transfer the rest of the funds into what's called a transition to retirement pension account. Once the funds are in that account, we can then draw down per financial year 10%. So to give you an idea of how this strategy might work on your current balance there, you've got a current balance at 233,304. We have to leave 10,000 behind in super, which leaves a a transfer balance of 223,304. As much as I know property prices could go up in that time and be a little bit more, if you then sort of were to transfer that full amount into the TCR, you can then access 10% per financial year. So 10% of that times that is going to give you about 22,330. It's not as much as sort of that 5% deposit based on that sort of $79,800,000, but it is also giving you a lump sum without having to add into your budget. That is unfortunately still three years away to access under that sort of a strategy, but it does also give you just another option. And if we look at boosting your super, maybe putting some more money in there, that there's that option. You have you ever owned a home before? Would you be a first home buyer? Okay. Yeah. Because you have owned a home even thirty years ago, it doesn't sort of qualify for the first home buyer super scheme. But even that is another good way. You know, we could have been putting more money in the super utilizing that as your savings scheme and then drawing that back down when you need the deposit to do so. We can still do it that way, and you'd without using the first time super saver scheme, be putting more money into super to boost your balance as high as possible. So in three years, you can do that TTR strategy and draw money out to give you that 5% deposit, but it still sort of comes down to you're still gonna have quite a large loan there. How long are you planning to work for, and does a thirty year loan sort of work for you when you hit 60 years of age? It does. Yeah. Definitely. So, I mean, it's definitely not unachievable. It can be done. It just comes down to what your preference is, how much you'll need to borrow, how much, you know, you you'll have as a deposit there. Have you spoken to any mortgage brokers and had a chat about what your borrowing capacity might look like now and what other access to government schemes you may have for, say, boosting a deposit and things like that. Yeah. Yeah. We do have mortgage brokers that we can refer you through to. Our sort of referral system and they're completely free to yourself. It's all part of our services. The mortgage brokers are paid by the the lenders that they write loans for. But I've got some great mortgage brokers that we have access to, and Fabian's one of those. If you wanted me to put you in touch with him, he can have a bit of a chat about what your goals are, what you're after, see if he can help structure a loan, see what the borrowing capacity looks like, and also have a chat about the different schemes that might be out there to kinda give you a hand as well. Because you're sort of looking to try and get into the market a bit sooner that three years, aren't you? You're sort of hoping to do that maybe this year. Is that right? Yep. Yeah. Yeah. Yeah. The other thing is is your son just having a quick look at your last back find there. I can see you've got one child. Is he a minor? Is he 18 or over 18? Yes. Okay. So there is maybe another option where depending on your circumstances, and not everyone wants to do this, but if your son was maybe wanting to look at investing and, you know, helping you to build something that would become, you know, his inheritance later down the track, if he's working and he's 30 and he's a non dependent, then you might be able to do a joint loan with him. It utilizes his income, and it income, and it means that the loan, you know, you can have the loan sort of set up in different ways. And I think the mortgage brokers would be the best person to have this conversation with to really look at how to structure the loan. But if your son was open to it, had borrowing capacity with you, you could have a joint loan by the property together. You live in the property, and it becomes his inheritance down the track. There could be a way of structuring it that way if you're sort of open to doing something like that. Would that sound okay? Yes. Right. So I do I'm not a 100% sure on that one. I'm pretty sure he should be eligible for it, but I don't know how the loan would have to be structured. I honestly that sort of thing would come down to a mortgage broker giving you the right information. I could do a bit of research, but I think probably what would be honestly best for you is if I send the referral through to Fabian and get Fabian and his team to give you a call, and they can have a chat about what you're after, look at the different options available to you, look at what grants you may or may not be able to, you know, work out. Feel I would probably, you know, suggest also having a chat to your son and seeing if it's something he would like to do because most most of us wanna have investment properties and whatnot like that. And I've I've bought an investment property which my kids are living in at the moment. So, you know, it it's definitely something that we wanna do as adults to help our children, but this would give him a head start at, you know, getting into the property market and getting an investment for down the track, but then also allowing you to reside and that you don't have to move on a regular basis. The loan is kind of part and part for you and him, and it becomes an inheritance down the track and gets you out into the market now. So if you're open to me doing that referral, I could send that through to Fabian. We could you can have that conversation with the mortgage broker, how get him to structure what that looks like for you between yourself and Casey and see if that would give you guys a bit of a helping hand. Does that sound okay? Yep. Yep, Toby. If there's sort of nothing else, then come back to me, and we can definitely look at cash on budgeting advice and things like that. And down the track, you know, there's no limit to we can always look at that PCR strategy down the track to, you know, help you to maybe tuck some lump sum money onto the property or do renovations or whatever you wanna do go wise down the track. But I just sort of think maybe this might give you a a an option to get into the market sooner rather than waiting for so, you know, two, three, four years down the track before you get into the market and then seeing what happens with the property market and finding it's gonna be harder and cost more. Does that sound okay to you, or do you do any qualms that come out of that? Or yeah. Yeah. Beautiful. Beautiful. Well, I just need to grab your permission to do so. So to give I just have to give some personal information to Fabian and his team. The email I send out is to you and to him. So it's basically introducing you to Fabian, Fabian to yourself. I just need to give him your name, phone number, sometimes your email address as well. Just depends on what referral information they ask. But I'll send the email out shortly for you. They then reply back to that email and ask the time for you to confirm when you're available. I'll let him know when you're available as well, but he does also just reply back to the email confirming it when you want availability for a contact. And, yeah, then he'll give you a call at the specified time and have a chat about what your goals are, look at servicing, look at what properties there are, look at, you know, any other options that you might have. But the lending side of things, I think a mortgage broker is your best friend. They not only have the big four banks. They also have other tier lenders, and they can get access to some really great information for you lending lending wise. So yeah. Oh, fantastic. Fantastic. Well, I'll set now for you. That'll come through in the next sort of fifteen minutes for you to make it nice and easier. And if anything comes out of that, I'm so happy for you. If it does and if something doesn't eventuate or it's right, please come back to me and let me know what, you know, happened, and I can see what else we can do. We can look at cash on budgeting and advice and sort of look at how else we can maybe help you down the track. Okay? Oh, beautiful. But before I do let you go, Carrie, is there anything else that you wanted to chat to me about today or ask me? Or no? Yeah. Beautiful. Well, we wanna make sure that because I've sort of had a few changes in the business, and I've been able to take on a bit of a book myself of a certain amount of clients. And I've asked for you as one of my beautiful clients here. And I'm just also going through and just touching base with everyone to find out how often you would like to have catch ups around your super, around looking at new advice, and things like that. So did you want my team to do catch ups with you every sort of three months, months, or twelve months? How often would you like someone to touch base with you and have a chat to you about your goals and your super and everything else? Yeah. Beautiful. Well, I'll start that in three months. Yeah. Absolutely. I'm just gonna take I've been able to take a bunch of clients because I've been an adviser for a bit longer now. So I've been able to take a bunch of clients and kind of make my own little book. So, I mean, my team can focus on things a little bit deeply for you, give you a a different level of service, and really look at your goals. You're one of those that's getting closer to those your time at years, and we wanna make sure your super is working harder for you. So I will get my team to touch base in about three months to do a bit of a catch up with you. We'll reassess your goals, look at what's happening, go through a nice date to either of your super, and then we can always update advice as needed as well. And if you need me in the mean time, you're welcome to let me know. Give my team a call. My name is Dana, and I'll make sure I book you in at any time that suits you. Okay? Yep. Yeah. That's one of our phone numbers. We do call off a couple of them, but this is definitely one of the ones that you can save for us. Yeah. Yeah. That's okay. Well, I'll get this referral out. And, yeah, have a really good chat to Fabian and his team. They are fantastic. I've referred quite a lot of clients to them, and they've done some really good things. Unfortunately, with advisers, we are limited around the lending side of space on what we can advise on without having a credit license. This is where having a really good mortgage broker can be really beneficial for you. Okay? Yeah. Be beautiful. Oh, I'll get that email shortly, and then you'll also see me in that email sending it out. So you can keep my email address and shoot me back anything that you need as well. Okay? Yeah. My pleasure, Kerry. I hope you have a really good afternoon. Thanks. See you later. 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Kerry. This is Dana from Oakview Financial. How are you today? I'm very well. Thank you.\n\nI had you booked in for a bit of a conversation. I'm speaking to new advice. Is now still a good time there for you? Fantastic. Carrie, just before we jump into the call, just to let you know we do record our calls for quality and training purposes.\n\nAre you happy for me to proceed with that? Fantastic. And just to do security, we are discussing your personal information. So I'll just get you to confirm your full name, your date of birth, and address I should have on file. Yep.\n\nYes. Yes. That's the one I have here. Thank you so much for that. And that's the updated address we should have?\n\nYes. Perfect. Oh, fantastic. I do see here on the note, one of the things you wanted talk about was trying to, I believe, find your forever home. So stop strategies to stop the renting cycle and gain long term secure accommodation.\n\nIs that sort of what you're after for the moment? Or yes. Yeah. So when we sort of look at those things, strategies that I can sort of help you with as a financial adviser is maybe looking at your cash flow and budgeting, giving you ideas on how you might be able to structure your budget to be able to save a bit more money. I can see here from your last that's fine completed with the girls in January.\n\nYou're saving or we're saving about $200 per week. Are you still managing to save that kind of the those funds? Yes. Okay. Yep.\n\nYes. Yes. Mhmm. Okay. Yeah.\n\nPerfect. So it looks like that's a good definitely a good starting point. Yeah. Because the biggest thing is and the hardest thing, especially with where you're at in the know because have you looked you're 57 years of age now, aren't you? Yes.\n\nSo, realistically, time horizon wise, you don't have, you know, a long time to be able to put the money away to save long term to be able to buy a property because borrowing capacity kind of does get a bit harder when you sort of hit those into the sixty year sixties and seventies just because when you're looking at lenders, they wanna sort of look for an exit strategy. What happens if you can't repay if you decide to retire? How do they, you know, how do you finalize the loan? And property prices are pretty extreme these days as well, aren't they? Yeah.\n\nIt is very, very difficult. But with that there, so that's 75, $45.90, and then we've got a 120 currently. So once all of that is good, you do have a good $2.37 90 that you're able to save essentially on a weekly basis. Over the course of one year, if you are able to once all of that is good, you've got that free and clear, saving all of that together over twelve months gives you about $12,370. So that isn't bad to start with.\n\nRealistically, if you get into the property market, you can do it with, say, a 5% deposit. So what a house price is sort of looking like around your area basis at the moment. Yeah. Okay. So if we say sort of aim it on to be say, we'll aim it on, say, 790,000.\n\nSo, realistically, you're aiming to try and get a deposit at 5% on 790,000 of about 39,500. If you were to try and do that over the course of twelve months, on a weekly basis, you would need to save about 759 to $760 on a weekly basis, which is quite tight. If you were to sort of try and structure that over two years, and that sort of brings you out closer to 60, to get 5% there, you would need to sorry. I'm just doing some really quick math, but I'm making sure I'm doing it properly for you as well. That one there.\n\nDivide that by so 24. That's a 152, 100 for four weeks. Beautiful. Sorry. My thing is a little bit hard later in the day.\n\nSo over the course of two years, about $379 per week would essentially get you saving that amount to give you a 55% deposit over the course of two years. Does that kinda sound like something that's doable for you, or is that kind of a little bit too far fetched? Or how does that kinda sound so far? Yeah. Correct.\n\nYeah. That is the downside. Yeah. Yeah. Absolutely.\n\nYeah. No. It is difficult. The the other sort of thing and because you are 57, you are closer to, obviously, the age of 60. And even if you start working, the other sort of strategy we have that we could maybe look at when you're close to 60 is, when you get to that point, we actually have these really cool kind of strategies where you can access a part of your super if you want to.\n\nSo it's called a transit retirement strategy, and I'm just having a quick look at your super to see sort of where your balance is. So your balance at the moment is about 233,000 there. So you can't do this until you turn 60. But at the age of 60, we can take anything we have to leave $1,010,000 in an accumulation in your super account, but we can transfer the rest of the funds into what's called a transition to retirement pension account. Once the funds are in that account, we can then draw down per financial year 10%.\n\nSo to give you an idea of how this strategy might work on your current balance there, you've got a current balance at 233,304. We have to leave 10,000 behind in super, which leaves a a transfer balance of 223,304. As much as I know property prices could go up in that time and be a little bit more, if you then sort of were to transfer that full amount into the TCR, you can then access 10% per financial year. So 10% of that times that is going to give you about 22,330. It's not as much as sort of that 5% deposit based on that sort of $79,800,000, but it is also giving you a lump sum without having to add into your budget.\n\nThat is unfortunately still three years away to access under that sort of a strategy, but it does also give you just another option. And if we look at boosting your super, maybe putting some more money in there, that there's that option. You have you ever owned a home before? Would you be a first home buyer? Okay.\n\nYeah. Because you have owned a home even thirty years ago, it doesn't sort of qualify for the first home buyer super scheme. But even that is another good way. You know, we could have been putting more money in the super utilizing that as your savings scheme and then drawing that back down when you need the deposit to do so. We can still do it that way, and you'd without using the first time super saver scheme, be putting more money into super to boost your balance as high as possible.\n\nSo in three years, you can do that TTR strategy and draw money out to give you that 5% deposit, but it still sort of comes down to you're still gonna have quite a large loan there. How long are you planning to work for, and does a thirty year loan sort of work for you when you hit 60 years of age? It does. Yeah. Definitely.\n\nSo, I mean, it's definitely not unachievable. It can be done. It just comes down to what your preference is, how much you'll need to borrow, how much, you know, you you'll have as a deposit there. Have you spoken to any mortgage brokers and had a chat about what your borrowing capacity might look like now and what other access to government schemes you may have for, say, boosting a deposit and things like that. Yeah.\n\nYeah. We do have mortgage brokers that we can refer you through to. Our sort of referral system and they're completely free to yourself. It's all part of our services. The mortgage brokers are paid by the the lenders that they write loans for.\n\nBut I've got some great mortgage brokers that we have access to, and Fabian's one of those. If you wanted me to put you in touch with him, he can have a bit of a chat about what your goals are, what you're after, see if he can help structure a loan, see what the borrowing capacity looks like, and also have a chat about the different schemes that might be out there to kinda give you a hand as well. Because you're sort of looking to try and get into the market a bit sooner that three years, aren't you? You're sort of hoping to do that maybe this year. Is that right?\n\nYep. Yeah. Yeah. Yeah. The other thing is is your son just having a quick look at your last back find there.\n\nI can see you've got one child. Is he a minor? Is he 18 or over 18? Yes. Okay.\n\nSo there is maybe another option where depending on your circumstances, and not everyone wants to do this, but if your son was maybe wanting to look at investing and, you know, helping you to build something that would become, you know, his inheritance later down the track, if he's working and he's 30 and he's a non dependent, then you might be able to do a joint loan with him. It utilizes his income, and it income, and it means that the loan, you know, you can have the loan sort of set up in different ways. And I think the mortgage brokers would be the best person to have this conversation with to really look at how to structure the loan. But if your son was open to it, had borrowing capacity with you, you could have a joint loan by the property together. You live in the property, and it becomes his inheritance down the track.\n\nThere could be a way of structuring it that way if you're sort of open to doing something like that. Would that sound okay? Yes. Right. So I do I'm not a 100% sure on that one.\n\nI'm pretty sure he should be eligible for it, but I don't know how the loan would have to be structured. I honestly that sort of thing would come down to a mortgage broker giving you the right information. I could do a bit of research, but I think probably what would be honestly best for you is if I send the referral through to Fabian and get Fabian and his team to give you a call, and they can have a chat about what you're after, look at the different options available to you, look at what grants you may or may not be able to, you know, work out. Feel I would probably, you know, suggest also having a chat to your son and seeing if it's something he would like to do because most most of us wanna have investment properties and whatnot like that. And I've I've bought an investment property which my kids are living in at the moment.\n\nSo, you know, it it's definitely something that we wanna do as adults to help our children, but this would give him a head start at, you know, getting into the property market and getting an investment for down the track, but then also allowing you to reside and that you don't have to move on a regular basis. The loan is kind of part and part for you and him, and it becomes an inheritance down the track and gets you out into the market now. So if you're open to me doing that referral, I could send that through to Fabian. We could you can have that conversation with the mortgage broker, how get him to structure what that looks like for you between yourself and Casey and see if that would give you guys a bit of a helping hand. Does that sound okay?\n\nYep. Yep, Toby. If there's sort of nothing else, then come back to me, and we can definitely look at cash on budgeting advice and things like that. And down the track, you know, there's no limit to we can always look at that PCR strategy down the track to, you know, help you to maybe tuck some lump sum money onto the property or do renovations or whatever you wanna do go wise down the track. But I just sort of think maybe this might give you a a an option to get into the market sooner rather than waiting for so, you know, two, three, four years down the track before you get into the market and then seeing what happens with the property market and finding it's gonna be harder and cost more.\n\nDoes that sound okay to you, or do you do any qualms that come out of that? Or yeah. Yeah. Beautiful. Beautiful.\n\nWell, I just need to grab your permission to do so. So to give I just have to give some personal information to Fabian and his team. The email I send out is to you and to him. So it's basically introducing you to Fabian, Fabian to yourself. I just need to give him your name, phone number, sometimes your email address as well.\n\nJust depends on what referral information they ask. But I'll send the email out shortly for you. They then reply back to that email and ask the time for you to confirm when you're available. I'll let him know when you're available as well, but he does also just reply back to the email confirming it when you want availability for a contact. And, yeah, then he'll give you a call at the specified time and have a chat about what your goals are, look at servicing, look at what properties there are, look at, you know, any other options that you might have.\n\nBut the lending side of things, I think a mortgage broker is your best friend. They not only have the big four banks. They also have other tier lenders, and they can get access to some really great information for you lending lending wise. So yeah. Oh, fantastic.\n\nFantastic. Well, I'll set now for you. That'll come through in the next sort of fifteen minutes for you to make it nice and easier. And if anything comes out of that, I'm so happy for you. If it does and if something doesn't eventuate or it's right, please come back to me and let me know what, you know, happened, and I can see what else we can do.\n\nWe can look at cash on budgeting and advice and sort of look at how else we can maybe help you down the track. Okay? Oh, beautiful. But before I do let you go, Carrie, is there anything else that you wanted to chat to me about today or ask me? Or no?\n\nYeah. Beautiful. Well, we wanna make sure that because I've sort of had a few changes in the business, and I've been able to take on a bit of a book myself of a certain amount of clients. And I've asked for you as one of my beautiful clients here. And I'm just also going through and just touching base with everyone to find out how often you would like to have catch ups around your super, around looking at new advice, and things like that.\n\nSo did you want my team to do catch ups with you every sort of three months, months, or twelve months? How often would you like someone to touch base with you and have a chat to you about your goals and your super and everything else? Yeah. Beautiful. Well, I'll start that in three months.\n\nYeah. Absolutely. I'm just gonna take I've been able to take a bunch of clients because I've been an adviser for a bit longer now. So I've been able to take a bunch of clients and kind of make my own little book. So, I mean, my team can focus on things a little bit deeply for you, give you a a different level of service, and really look at your goals.\n\nYou're one of those that's getting closer to those your time at years, and we wanna make sure your super is working harder for you. So I will get my team to touch base in about three months to do a bit of a catch up with you. We'll reassess your goals, look at what's happening, go through a nice date to either of your super, and then we can always update advice as needed as well. And if you need me in the mean time, you're welcome to let me know. Give my team a call.\n\nMy name is Dana, and I'll make sure I book you in at any time that suits you. Okay? Yep. Yeah. That's one of our phone numbers.\n\nWe do call off a couple of them, but this is definitely one of the ones that you can save for us. Yeah. Yeah. That's okay. Well, I'll get this referral out.\n\nAnd, yeah, have a really good chat to Fabian and his team. They are fantastic. I've referred quite a lot of clients to them, and they've done some really good things. Unfortunately, with advisers, we are limited around the lending side of space on what we can advise on without having a credit license. This is where having a really good mortgage broker can be really beneficial for you.\n\nOkay? Yeah. Be beautiful. Oh, I'll get that email shortly, and then you'll also see me in that email sending it out. So you can keep my email address and shoot me back anything that you need as well.\n\nOkay? Yeah. My pleasure, Kerry. I hope you have a really good afternoon. Thanks.\n\nSee you later. Bye.","paragraphs":[{"sentences":[{"text":"Hi, Kerry.","start":3.9199998,"end":4.56,"sentiment":"neutral","sentiment_score":0.10895348340272903},{"text":"This is Dana from Oakview Financial.","start":4.56,"end":6.3399997,"sentiment":"neutral","sentiment_score":0.15703640629847845},{"text":"How are you today?","start":6.3999996,"end":7.3799996,"sentiment":"neutral","sentiment_score":0.20599215105175972},{"text":"I'm very well.","start":9.28,"end":10.08,"sentiment":"positive","sentiment_score":0.4771882891654968},{"text":"Thank you.","start":10.08,"end":10.48,"sentiment":"positive","sentiment_score":0.6307939887046814}],"sentiment":"neutral","sentiment_score":0.2751321678652483,"num_words":17,"start":3.9199998,"end":10.48},{"sentences":[{"text":"I had you booked in for a bit of a conversation.","start":10.48,"end":12.42,"sentiment":"neutral","sentiment_score":0.2098877402869138},{"text":"I'm speaking to new advice.","start":12.559999,"end":14.0,"sentiment":"neutral","sentiment_score":0.14027141630649567},{"text":"Is now still a good time there for you?","start":14.0,"end":15.995,"sentiment":"neutral","sentiment_score":0.1991659618086285},{"text":"Fantastic.","start":18.215,"end":18.715,"sentiment":"positive","sentiment_score":0.626186728477478},{"text":"Carrie, just before we jump into the call, just to let you know we do record our calls for quality and training purposes.","start":19.575,"end":24.455,"sentiment":"neutral","sentiment_score":0.18754047803256824}],"sentiment":"neutral","sentiment_score":0.198821093963117,"num_words":49,"start":10.48,"end":24.455},{"sentences":[{"text":"Are you happy for me to proceed with that?","start":24.455,"end":26.555,"sentiment":"neutral","sentiment_score":0.20071797404024336},{"text":"Fantastic.","start":28.539999,"end":29.039999,"sentiment":"positive","sentiment_score":0.5101161003112793},{"text":"And just to do security, we are discussing your personal information.","start":29.74,"end":32.7,"sentiment":"neutral","sentiment_score":0.1477324732325294},{"text":"So I'll just get you to confirm your full name, your date of birth, and address I should have on file.","start":32.7,"end":36.879997,"sentiment":"neutral","sentiment_score":0.12634856821525664},{"text":"Yep.","start":41.835003,"end":42.335003,"sentiment":"neutral","sentiment_score":0.03400055691599846}],"sentiment":"neutral","sentiment_score":0.1541617572480856,"num_words":43,"start":24.455,"end":42.335003},{"sentences":[{"text":"Yes.","start":44.635002,"end":45.135002,"sentiment":"neutral","sentiment_score":0.04473796486854553},{"text":"Yes.","start":51.355003,"end":51.855003,"sentiment":"neutral","sentiment_score":0.02850385382771492},{"text":"That's the one I have here.","start":55.15,"end":56.27,"sentiment":"neutral","sentiment_score":0.0732851189871629},{"text":"Thank you so much for that.","start":56.27,"end":57.890003,"sentiment":"positive","sentiment_score":0.38879844546318054},{"text":"And that's the updated address we should have?","start":57.95,"end":60.29,"sentiment":"neutral","sentiment_score":0.11142049357295036}],"sentiment":"neutral","sentiment_score":0.16986850699917835,"num_words":22,"start":44.635002,"end":60.29},{"sentences":[{"text":"Yes.","start":61.39,"end":61.89,"sentiment":"neutral","sentiment_score":0.05084088444709778},{"text":"Perfect.","start":62.030003,"end":62.530003,"sentiment":"neutral","sentiment_score":0.1596754789352417},{"text":"Oh, fantastic.","start":63.63,"end":64.69,"sentiment":"neutral","sentiment_score":0.19479794055223465},{"text":"I do see here on the note, one of the things you wanted talk about was trying to, I believe, find your forever home.","start":66.51,"end":74.924995,"sentiment":"neutral","sentiment_score":0.08211659934992592},{"text":"So stop strategies to stop the renting cycle and gain long term secure accommodation.","start":74.924995,"end":79.905,"sentiment":"neutral","sentiment_score":0.07477041786270482}],"sentiment":"neutral","sentiment_score":0.08613563045149758,"num_words":42,"start":61.39,"end":79.905},{"sentences":[{"text":"Is that sort of what you're after for the moment?","start":80.204994,"end":82.284996,"sentiment":"neutral","sentiment_score":0.03168302513659001},{"text":"Or yes.","start":82.284996,"end":95.619995,"sentiment":"neutral","sentiment_score":-0.00816906988620758},{"text":"Yeah.","start":95.759995,"end":96.259995,"sentiment":"neutral","sentiment_score":-0.01314176432788372},{"text":"So when we sort of look at those things, strategies that I can sort of help you with as a financial adviser is maybe looking at your cash flow and budgeting, giving you ideas on how you might be able to structure your budget to be able to save a bit more money.","start":96.365005,"end":107.985,"sentiment":"neutral","sentiment_score":0.07862084815805813},{"text":"I can see here from your last that's fine completed with the girls in January.","start":109.26,"end":113.840004,"sentiment":"neutral","sentiment_score":0.10373781671126683}],"sentiment":"neutral","sentiment_score":0.07420151296681092,"num_words":81,"start":80.204994,"end":113.840004},{"sentences":[{"text":"You're saving or we're saving about $200 per week.","start":114.94,"end":118.22,"sentiment":"neutral","sentiment_score":0.08113306926356421},{"text":"Are you still managing to save that kind of the those funds?","start":118.22,"end":121.68,"sentiment":"neutral","sentiment_score":0.04355562090252837},{"text":"Yes.","start":126.755005,"end":127.255005,"sentiment":"neutral","sentiment_score":-0.07311035692691803},{"text":"Okay.","start":132.91501,"end":133.41501,"sentiment":"neutral","sentiment_score":-0.006428566761314869},{"text":"Yep.","start":137.235,"end":137.735,"sentiment":"neutral","sentiment_score":0.05617847293615341}],"sentiment":"neutral","sentiment_score":0.05122935931043079,"num_words":24,"start":114.94,"end":137.735},{"sentences":[{"text":"Yes.","start":153.075,"end":153.575,"sentiment":"neutral","sentiment_score":0.04047504812479019},{"text":"Yes.","start":170.51,"end":171.01,"sentiment":"neutral","sentiment_score":0.08575006574392319},{"text":"Mhmm.","start":180.98999,"end":181.48999,"sentiment":"neutral","sentiment_score":0.04600049182772637},{"text":"Okay.","start":192.405,"end":192.905,"sentiment":"neutral","sentiment_score":0.08137115836143494},{"text":"Yeah.","start":193.925,"end":194.425,"sentiment":"neutral","sentiment_score":0.27660706639289856}],"sentiment":"neutral","sentiment_score":0.10604076609015464,"num_words":5,"start":153.075,"end":194.425},{"sentences":[{"text":"Perfect.","start":194.565,"end":195.065,"sentiment":"positive","sentiment_score":0.6098895072937012},{"text":"So it looks like that's a good definitely a good starting point.","start":195.285,"end":198.325,"sentiment":"positive","sentiment_score":0.6602617974082629},{"text":"Yeah.","start":198.325,"end":198.825,"sentiment":"neutral","sentiment_score":0.05203225091099739},{"text":"Because the biggest thing is and the hardest thing, especially with where you're at in the know because have you looked you're 57 years of age now, aren't you?","start":199.01,"end":206.79,"sentiment":"neutral","sentiment_score":-0.10642854753753235},{"text":"Yes.","start":208.37,"end":208.68999,"sentiment":"neutral","sentiment_score":0.0035983994603157043}],"sentiment":"neutral","sentiment_score":0.1250507692721757,"num_words":44,"start":194.565,"end":208.68999},{"sentences":[{"text":"So, realistically, time horizon wise, you don't have, you know, a long time to be able to put the money away to save long term to be able to buy a property because borrowing capacity kind of does get a bit harder when you sort of hit those into the sixty year sixties and seventies just because when you're looking at lenders, they wanna sort of look for an exit strategy.","start":208.68999,"end":229.98,"sentiment":"neutral","sentiment_score":-0.10511587218268328},{"text":"What happens if you can't repay if you decide to retire?","start":230.04,"end":232.92,"sentiment":"neutral","sentiment_score":-0.08451966534961354},{"text":"How do they, you know, how do you finalize the loan?","start":232.92,"end":235.73999,"sentiment":"neutral","sentiment_score":-0.036385369741103867},{"text":"And property prices are pretty extreme these days as well, aren't they?","start":236.59999,"end":240.62,"sentiment":"neutral","sentiment_score":-0.06525480778266986},{"text":"Yeah.","start":246.395,"end":246.795,"sentiment":"neutral","sentiment_score":-0.14224788546562195}],"sentiment":"neutral","sentiment_score":-0.09168384801722702,"num_words":106,"start":208.68999,"end":246.795},{"sentences":[{"text":"It is very, very difficult.","start":246.795,"end":248.57501,"sentiment":"neutral","sentiment_score":-0.20901646018028258},{"text":"But with that there, so that's 75, $45.90, and then we've got a 120 currently.","start":249.595,"end":255.91501,"sentiment":"neutral","sentiment_score":-0.02286922944088777},{"text":"So once all of that is good, you do have a good $2.37 90 that you're able to save essentially on a weekly basis.","start":255.91501,"end":264.75998,"sentiment":"neutral","sentiment_score":0.15880243216330805},{"text":"Over the course of one year, if you are able to once all of that is good, you've got that free and clear, saving all of that together over twelve months gives you about $12,370.","start":265.38,"end":278.29498,"sentiment":"neutral","sentiment_score":0.25399915405682155},{"text":"So that isn't bad to start with.","start":278.91498,"end":281.875,"sentiment":"positive","sentiment_score":0.456180283001491}],"sentiment":"neutral","sentiment_score":0.16867872095818437,"num_words":86,"start":246.795,"end":281.875},{"sentences":[{"text":"Realistically, if you get into the property market, you can do it with, say, a 5% deposit.","start":281.875,"end":286.935,"sentiment":"neutral","sentiment_score":0.28150725890608397},{"text":"So what a house price is sort of looking like around your area basis at the moment.","start":287.26,"end":293.12,"sentiment":"neutral","sentiment_score":0.2135959153666216},{"text":"Yeah.","start":299.26,"end":299.76,"sentiment":"neutral","sentiment_score":0.0917271077632904},{"text":"Okay.","start":310.435,"end":310.935,"sentiment":"neutral","sentiment_score":0.09538348019123076},{"text":"So if we say sort of aim it on to be say, we'll aim it on, say, 790,000.","start":312.275,"end":320.15,"sentiment":"neutral","sentiment_score":0.08196540508005354}],"sentiment":"neutral","sentiment_score":0.18665262670428664,"num_words":54,"start":281.875,"end":320.15},{"sentences":[{"text":"So, realistically, you're aiming to try and get a deposit at 5% on 790,000 of about 39,500.","start":328.655,"end":338.435,"sentiment":"neutral","sentiment_score":0.1289665449191542},{"text":"If you were to try and do that over the course of twelve months, on a weekly basis, you would need to save about 759 to $760 on a weekly basis, which is quite tight.","start":338.895,"end":352.2,"sentiment":"neutral","sentiment_score":0.048693529835769106},{"text":"If you were to sort of try and structure that over two years, and that sort of brings you out closer to 60, to get 5% there, you would need to sorry.","start":354.26,"end":365.035,"sentiment":"neutral","sentiment_score":0.08781002147588879},{"text":"I'm just doing some really quick math, but I'm making sure I'm doing it properly for you as well.","start":365.035,"end":369.61502,"sentiment":"neutral","sentiment_score":0.10776973437321813},{"text":"That one there.","start":370.555,"end":371.535,"sentiment":"neutral","sentiment_score":0.029680448894699413}],"sentiment":"neutral","sentiment_score":0.08342728108378514,"num_words":106,"start":328.655,"end":371.535},{"sentences":[{"text":"Divide that by so 24.","start":372.24,"end":375.06,"sentiment":"neutral","sentiment_score":0.03036290928721428},{"text":"That's a 152, 100 for four weeks.","start":376.24,"end":381.06,"sentiment":"neutral","sentiment_score":0.036742856193866046},{"text":"Beautiful.","start":381.36,"end":381.86,"sentiment":"neutral","sentiment_score":0.2950131297111511},{"text":"Sorry.","start":382.64,"end":383.04,"sentiment":"neutral","sentiment_score":-0.05011937767267227},{"text":"My thing is a little bit hard later in the day.","start":383.04,"end":385.035,"sentiment":"neutral","sentiment_score":-0.2517977031794461}],"sentiment":"neutral","sentiment_score":-0.0846346577256918,"num_words":25,"start":372.24,"end":385.035},{"sentences":[{"text":"So over the course of two years, about $379 per week would essentially get you saving that amount to give you a 55% deposit over the course of two years.","start":386.475,"end":398.655,"sentiment":"neutral","sentiment_score":0.06434837977091472},{"text":"Does that kinda sound like something that's doable for you, or is that kind of a little bit too far fetched?","start":399.17,"end":404.79,"sentiment":"neutral","sentiment_score":-0.023464536560433253},{"text":"Or how does that kinda sound so far?","start":404.85,"end":407.11002,"sentiment":"neutral","sentiment_score":-0.012022923678159714},{"text":"Yeah.","start":413.17,"end":413.67,"sentiment":"neutral","sentiment_score":-0.05098993331193924},{"text":"Correct.","start":420.865,"end":421.365,"sentiment":"neutral","sentiment_score":-0.04008740186691284}],"sentiment":"neutral","sentiment_score":0.02049894099597071,"num_words":61,"start":386.475,"end":421.365},{"sentences":[{"text":"Yeah.","start":426.78497,"end":427.28497,"sentiment":"neutral","sentiment_score":-0.03915836662054062},{"text":"That is the downside.","start":427.45,"end":428.91,"sentiment":"neutral","sentiment_score":-0.13819784950464964},{"text":"Yeah.","start":429.29,"end":429.79,"sentiment":"neutral","sentiment_score":-0.16310539841651917},{"text":"Yeah.","start":429.93002,"end":430.33002,"sentiment":"neutral","sentiment_score":-0.03540942445397377},{"text":"Absolutely.","start":430.33002,"end":430.83002,"sentiment":"neutral","sentiment_score":0.1428917646408081}],"sentiment":"neutral","sentiment_score":-0.080946602858603,"num_words":8,"start":426.78497,"end":430.83002},{"sentences":[{"text":"Yeah.","start":441.225,"end":441.625,"sentiment":"neutral","sentiment_score":-0.0291251540184021},{"text":"No.","start":441.625,"end":441.945,"sentiment":"neutral","sentiment_score":-0.3058233857154846},{"text":"It is difficult.","start":441.945,"end":442.925,"sentiment":"negative","sentiment_score":-0.46813419461250305},{"text":"The the other sort of thing and because you are 57, you are closer to, obviously, the age of 60.","start":444.82498,"end":450.025,"sentiment":"neutral","sentiment_score":0.040313446521759035},{"text":"And even if you start working, the other sort of strategy we have that we could maybe look at when you're close to 60 is, when you get to that point, we actually have these really cool kind of strategies where you can access a part of your super if you want to.","start":450.025,"end":465.59,"sentiment":"positive","sentiment_score":0.33703030927001304}],"sentiment":"neutral","sentiment_score":0.2170451820278779,"num_words":78,"start":441.225,"end":465.59},{"sentences":[{"text":"So it's called a transit retirement strategy, and I'm just having a quick look at your super to see sort of where your balance is.","start":465.94498,"end":472.985,"sentiment":"neutral","sentiment_score":0.2883599001169205},{"text":"So your balance at the moment is about 233,000 there.","start":472.985,"end":477.32498,"sentiment":"neutral","sentiment_score":0.17549158930778502},{"text":"So you can't do this until you turn 60.","start":478.025,"end":481.62,"sentiment":"neutral","sentiment_score":0.1534688820441564},{"text":"But at the age of 60, we can take anything we have to leave $1,010,000 in an accumulation in your super account, but we can transfer the rest of the funds into what's called a transition to retirement pension account.","start":481.75998,"end":496.525,"sentiment":"neutral","sentiment_score":0.1368769181892276},{"text":"Once the funds are in that account, we can then draw down per financial year 10%.","start":496.98502,"end":502.845,"sentiment":"neutral","sentiment_score":0.09315192745998502}],"sentiment":"neutral","sentiment_score":0.17310640901327135,"num_words":100,"start":465.94498,"end":502.845},{"sentences":[{"text":"So to give you an idea of how this strategy might work on your current balance there, you've got a current balance at 233,304.","start":503.545,"end":512.62,"sentiment":"neutral","sentiment_score":0.19875848262260357},{"text":"We have to leave 10,000 behind in super, which leaves a a transfer balance of 223,304.","start":512.62,"end":521.835,"sentiment":"neutral","sentiment_score":0.06407618522644043},{"text":"As much as I know property prices could go up in that time and be a little bit more, if you then sort of were to transfer that full amount into the TCR, you can then access 10% per financial year.","start":522.395,"end":536.41,"sentiment":"neutral","sentiment_score":0.20359421539597394},{"text":"So 10% of that times that is going to give you about 22,330.","start":536.41,"end":546.82996,"sentiment":"neutral","sentiment_score":0.3010600908444478},{"text":"It's not as much as sort of that 5% deposit based on that sort of $79,800,000, but it is also giving you a lump sum without having to add into your budget.","start":547.245,"end":558.065,"sentiment":"neutral","sentiment_score":0.3077968223951757}],"sentiment":"neutral","sentiment_score":0.2214767053605072,"num_words":126,"start":503.545,"end":558.065},{"sentences":[{"text":"That is unfortunately still three years away to access under that sort of a strategy, but it does also give you just another option.","start":558.445,"end":565.77997,"sentiment":"neutral","sentiment_score":-0.021786907066901524},{"text":"And if we look at boosting your super, maybe putting some more money in there, that there's that option.","start":565.77997,"end":571.64,"sentiment":"positive","sentiment_score":0.4503638971793024},{"text":"You have you ever owned a home before?","start":572.89996,"end":574.89996,"sentiment":"neutral","sentiment_score":0.05045424681156874},{"text":"Would you be a first home buyer?","start":574.89996,"end":576.68,"sentiment":"neutral","sentiment_score":-0.01358648602451597},{"text":"Okay.","start":593.25,"end":593.57,"sentiment":"neutral","sentiment_score":0.08176420629024506}],"sentiment":"neutral","sentiment_score":0.14278510263410665,"num_words":59,"start":558.445,"end":593.57},{"sentences":[{"text":"Yeah.","start":593.57,"end":593.97003,"sentiment":"neutral","sentiment_score":0.06206612288951874},{"text":"Because you have owned a home even thirty years ago, it doesn't sort of qualify for the first home buyer super scheme.","start":593.97003,"end":600.71,"sentiment":"neutral","sentiment_score":-0.001443344930356199},{"text":"But even that is another good way.","start":601.33,"end":603.17,"sentiment":"positive","sentiment_score":0.48758090819631306},{"text":"You know, we could have been putting more money in the super utilizing that as your savings scheme and then drawing that back down when you need the deposit to do so.","start":603.17,"end":611.365,"sentiment":"positive","sentiment_score":0.4403697084635496},{"text":"We can still do it that way, and you'd without using the first time super saver scheme, be putting more money into super to boost your balance as high as possible.","start":612.54504,"end":620.645,"sentiment":"positive","sentiment_score":0.602919323790458}],"sentiment":"positive","sentiment_score":0.38952374838853393,"num_words":93,"start":593.57,"end":620.645},{"sentences":[{"text":"So in three years, you can do that TTR strategy and draw money out to give you that 5% deposit, but it still sort of comes down to you're still gonna have quite a large loan there.","start":621.02,"end":632.3,"sentiment":"neutral","sentiment_score":0.27362621011766225},{"text":"How long are you planning to work for, and does a thirty year loan sort of work for you when you hit 60 years of age?","start":632.3,"end":639.53503,"sentiment":"neutral","sentiment_score":-0.001278429220502193},{"text":"It does.","start":649.31,"end":649.87,"sentiment":"neutral","sentiment_score":0.11898138374090195},{"text":"Yeah.","start":649.87,"end":650.11,"sentiment":"neutral","sentiment_score":0.1423281878232956},{"text":"Definitely.","start":650.11,"end":650.61,"sentiment":"neutral","sentiment_score":0.28439030051231384}],"sentiment":"neutral","sentiment_score":0.16053152045429642,"num_words":67,"start":621.02,"end":650.61},{"sentences":[{"text":"So, I mean, it's definitely not unachievable.","start":650.67,"end":652.45,"sentiment":"neutral","sentiment_score":0.2647683854613985},{"text":"It can be done.","start":652.83,"end":653.79,"sentiment":"positive","sentiment_score":0.5123376399278641},{"text":"It just comes down to what your preference is, how much you'll need to borrow, how much, you know, you you'll have as a deposit there.","start":653.79,"end":662.265,"sentiment":"neutral","sentiment_score":0.15798988021337068},{"text":"Have you spoken to any mortgage brokers and had a chat about what your borrowing capacity might look like now and what other access to government schemes you may have for, say, boosting a deposit and things like that.","start":662.96497,"end":678.04004,"sentiment":"neutral","sentiment_score":0.08363842285978489},{"text":"Yeah.","start":688.955,"end":689.455,"sentiment":"neutral","sentiment_score":0.051301274448633194}],"sentiment":"neutral","sentiment_score":0.1470605962268718,"num_words":77,"start":650.67,"end":689.455},{"sentences":[{"text":"Yeah.","start":696.955,"end":697.455,"sentiment":"neutral","sentiment_score":0.15853694081306458},{"text":"We do have mortgage brokers that we can refer you through to.","start":697.67505,"end":701.37,"sentiment":"neutral","sentiment_score":0.21272322411338487},{"text":"Our sort of referral system and they're completely free to yourself.","start":702.14996,"end":704.87,"sentiment":"neutral","sentiment_score":0.281909318132834},{"text":"It's all part of our services.","start":704.87,"end":706.23,"sentiment":"neutral","sentiment_score":0.2970506598552068},{"text":"The mortgage brokers are paid by the the lenders that they write loans for.","start":706.23,"end":710.33,"sentiment":"neutral","sentiment_score":0.13876418097476875}],"sentiment":"neutral","sentiment_score":0.21675501414574683,"num_words":44,"start":696.955,"end":710.33},{"sentences":[{"text":"But I've got some great mortgage brokers that we have access to, and Fabian's one of those.","start":710.70996,"end":714.98505,"sentiment":"positive","sentiment_score":0.5919330418109894},{"text":"If you wanted me to put you in touch with him, he can have a bit of a chat about what your goals are, what you're after, see if he can help structure a loan, see what the borrowing capacity looks like, and also have a chat about the different schemes that might be out there to kinda give you a hand as well.","start":714.98505,"end":732.02,"sentiment":"positive","sentiment_score":0.42164603574201465},{"text":"Because you're sort of looking to try and get into the market a bit sooner that three years, aren't you?","start":733.2,"end":738.4,"sentiment":"neutral","sentiment_score":0.29385164231061933},{"text":"You're sort of hoping to do that maybe this year.","start":738.4,"end":740.8,"sentiment":"positive","sentiment_score":0.3745077639818192},{"text":"Is that right?","start":740.8,"end":741.62,"sentiment":"neutral","sentiment_score":0.25542110204696655}],"sentiment":"positive","sentiment_score":0.4161103665828705,"num_words":114,"start":710.70996,"end":741.62},{"sentences":[{"text":"Yep.","start":746.57495,"end":747.07495,"sentiment":"neutral","sentiment_score":0.15697160363197327},{"text":"Yeah.","start":756.69,"end":757.19,"sentiment":"neutral","sentiment_score":0.0960511714220047},{"text":"Yeah.","start":764.69,"end":765.19,"sentiment":"neutral","sentiment_score":0.07418785989284515},{"text":"Yeah.","start":767.64996,"end":768.14996,"sentiment":"neutral","sentiment_score":0.0909394845366478},{"text":"The other thing is is your son just having a quick look at your last back find there.","start":770.03503,"end":774.91504,"sentiment":"neutral","sentiment_score":0.041915354836318225}],"sentiment":"neutral","sentiment_score":0.05330120484259995,"num_words":22,"start":746.57495,"end":774.91504},{"sentences":[{"text":"I can see you've got one child.","start":774.91504,"end":776.515,"sentiment":"neutral","sentiment_score":0.025761212621416365},{"text":"Is he a minor?","start":776.515,"end":777.715,"sentiment":"neutral","sentiment_score":-0.006717394106090069},{"text":"Is he 18 or over 18?","start":777.715,"end":779.655,"sentiment":"neutral","sentiment_score":-0.01403555211921533},{"text":"Yes.","start":784.57,"end":785.05,"sentiment":"neutral","sentiment_score":0.07305198907852173},{"text":"Okay.","start":785.05,"end":785.55,"sentiment":"neutral","sentiment_score":0.0911801978945732}],"sentiment":"neutral","sentiment_score":0.01228830453596617,"num_words":19,"start":774.91504,"end":785.55},{"sentences":[{"text":"So there is maybe another option where depending on your circumstances, and not everyone wants to do this, but if your son was maybe wanting to look at investing and, you know, helping you to build something that would become, you know, his inheritance later down the track, if he's working and he's 30 and he's a non dependent, then you might be able to do a joint loan with him.","start":785.69,"end":808.685,"sentiment":"neutral","sentiment_score":0.14856680220281573},{"text":"It utilizes his income, and it income, and it means that the loan, you know, you can have the loan sort of set up in different ways.","start":808.685,"end":815.79004,"sentiment":"neutral","sentiment_score":0.1728403659330474},{"text":"And I think the mortgage brokers would be the best person to have this conversation with to really look at how to structure the loan.","start":815.79004,"end":821.73004,"sentiment":"neutral","sentiment_score":0.2603068105876446},{"text":"But if your son was open to it, had borrowing capacity with you, you could have a joint loan by the property together.","start":821.95,"end":828.465,"sentiment":"neutral","sentiment_score":0.2372492305610491},{"text":"You live in the property, and it becomes his inheritance down the track.","start":828.765,"end":832.705,"sentiment":"neutral","sentiment_score":0.3121063858270645}],"sentiment":"neutral","sentiment_score":0.19645734855307723,"num_words":159,"start":785.69,"end":832.705},{"sentences":[{"text":"There could be a way of structuring it that way if you're sort of open to doing something like that.","start":833.245,"end":837.885,"sentiment":"neutral","sentiment_score":0.27865109369158747},{"text":"Would that sound okay?","start":837.885,"end":839.185,"sentiment":"neutral","sentiment_score":0.2219432219862938},{"text":"Yes.","start":845.15,"end":845.65,"sentiment":"neutral","sentiment_score":0.11686570197343826},{"text":"Right.","start":856.335,"end":856.815,"sentiment":"neutral","sentiment_score":0.09089922904968262},{"text":"So I do I'm not a 100% sure on that one.","start":856.815,"end":861.775,"sentiment":"neutral","sentiment_score":0.011887917125766928}],"sentiment":"neutral","sentiment_score":0.18376558868063464,"num_words":37,"start":833.245,"end":861.775},{"sentences":[{"text":"I'm pretty sure he should be eligible for it, but I don't know how the loan would have to be structured.","start":861.775,"end":867.155,"sentiment":"neutral","sentiment_score":0.01779233522358395},{"text":"I honestly that sort of thing would come down to a mortgage broker giving you the right information.","start":867.215,"end":872.69,"sentiment":"neutral","sentiment_score":0.18489632879694304},{"text":"I could do a bit of research, but I think probably what would be honestly best for you is if I send the referral through to Fabian and get Fabian and his team to give you a call, and they can have a chat about what you're after, look at the different options available to you, look at what grants you may or may not be able to, you know, work out.","start":875.14996,"end":895.8,"sentiment":"neutral","sentiment_score":0.16018732901041707},{"text":"Feel I would probably, you know, suggest also having a chat to your son and seeing if it's something he would like to do because most most of us wanna have investment properties and whatnot like that.","start":895.8,"end":904.6,"sentiment":"neutral","sentiment_score":0.20869666640017484},{"text":"And I've I've bought an investment property which my kids are living in at the moment.","start":904.6,"end":908.28,"sentiment":"neutral","sentiment_score":0.20419972948729992}],"sentiment":"neutral","sentiment_score":0.15990385960605813,"num_words":164,"start":861.775,"end":908.28},{"sentences":[{"text":"So, you know, it it's definitely something that we wanna do as adults to help our children, but this would give him a head start at, you know, getting into the property market and getting an investment for down the track, but then also allowing you to reside and that you don't have to move on a regular basis.","start":908.28,"end":925.36,"sentiment":"positive","sentiment_score":0.37483366212602387},{"text":"The loan is kind of part and part for you and him, and it becomes an inheritance down the track and gets you out into the market now.","start":925.36,"end":932.56,"sentiment":"positive","sentiment_score":0.44032825715839863},{"text":"So if you're open to me doing that referral, I could send that through to Fabian.","start":932.56,"end":937.06,"sentiment":"neutral","sentiment_score":0.0974943838082254},{"text":"We could you can have that conversation with the mortgage broker, how get him to structure what that looks like for you between yourself and Casey and see if that would give you guys a bit of a helping hand.","start":938.155,"end":949.515,"sentiment":"neutral","sentiment_score":0.2740740872919559},{"text":"Does that sound okay?","start":949.515,"end":950.735,"sentiment":"neutral","sentiment_score":0.2105550915002823}],"sentiment":"neutral","sentiment_score":0.32523449839783364,"num_words":147,"start":908.28,"end":950.735},{"sentences":[{"text":"Yep.","start":952.71,"end":953.21,"sentiment":"positive","sentiment_score":0.5034910440444946},{"text":"Yep, Toby.","start":954.47003,"end":955.19,"sentiment":"neutral","sentiment_score":0.15283315628767014},{"text":"If there's sort of nothing else, then come back to me, and we can definitely look at cash on budgeting advice and things like that.","start":955.19,"end":960.97003,"sentiment":"neutral","sentiment_score":0.12217515140771866},{"text":"And down the track, you know, there's no limit to we can always look at that PCR strategy down the track to, you know, help you to maybe tuck some lump sum money onto the property or do renovations or whatever you wanna do go wise down the track.","start":961.11005,"end":973.265,"sentiment":"neutral","sentiment_score":0.1630216291060253},{"text":"But I just sort of think maybe this might give you a a an option to get into the market sooner rather than waiting for so, you know, two, three, four years down the track before you get into the market and then seeing what happens with the property market and finding it's gonna be harder and cost more.","start":974.125,"end":990.19,"sentiment":"neutral","sentiment_score":-0.02526071213059506}],"sentiment":"neutral","sentiment_score":0.0761853967081098,"num_words":136,"start":952.71,"end":990.19},{"sentences":[{"text":"Does that sound okay to you, or do you do any qualms that come out of that?","start":990.19,"end":994.67,"sentiment":"neutral","sentiment_score":-0.023692669346928596},{"text":"Or yeah.","start":994.67,"end":999.875,"sentiment":"neutral","sentiment_score":-0.003249555826187134},{"text":"Yeah.","start":999.875,"end":1000.275,"sentiment":"neutral","sentiment_score":0.15284529328346252},{"text":"Beautiful.","start":1000.275,"end":1000.775,"sentiment":"positive","sentiment_score":0.4345710277557373},{"text":"Beautiful.","start":1000.91504,"end":1001.41504,"sentiment":"positive","sentiment_score":0.4110429584980011}],"sentiment":"neutral","sentiment_score":0.026781126772138206,"num_words":22,"start":990.19,"end":1001.41504},{"sentences":[{"text":"Well, I just need to grab your permission to do so.","start":1001.47504,"end":1003.795,"sentiment":"neutral","sentiment_score":0.0767859782684933},{"text":"So to give I just have to give some personal information to Fabian and his team.","start":1003.795,"end":1008.855,"sentiment":"neutral","sentiment_score":0.07175922906026244},{"text":"The email I send out is to you and to him.","start":1009.235,"end":1011.875,"sentiment":"neutral","sentiment_score":0.09125445783138275},{"text":"So it's basically introducing you to Fabian, Fabian to yourself.","start":1011.875,"end":1016.41003,"sentiment":"neutral","sentiment_score":0.13627367094159126},{"text":"I just need to give him your name, phone number, sometimes your email address as well.","start":1016.41003,"end":1021.63,"sentiment":"neutral","sentiment_score":0.09120825049467385}],"sentiment":"neutral","sentiment_score":0.0909165809280239,"num_words":64,"start":1001.47504,"end":1021.63},{"sentences":[{"text":"Just depends on what referral information they ask.","start":1021.93,"end":1024.4299,"sentiment":"neutral","sentiment_score":0.0639136042445898},{"text":"But I'll send the email out shortly for you.","start":1024.81,"end":1027.39,"sentiment":"neutral","sentiment_score":0.10597747150394651},{"text":"They then reply back to that email and ask the time for you to confirm when you're available.","start":1027.53,"end":1034.0549,"sentiment":"neutral","sentiment_score":0.09071115735504362},{"text":"I'll let him know when you're available as well, but he does also just reply back to the email confirming it when you want availability for a contact.","start":1034.755,"end":1041.4149,"sentiment":"neutral","sentiment_score":0.1299312255744423},{"text":"And, yeah, then he'll give you a call at the specified time and have a chat about what your goals are, look at servicing, look at what properties there are, look at, you know, any other options that you might have.","start":1042.57,"end":1052.75,"sentiment":"neutral","sentiment_score":0.07920210372384001}],"sentiment":"neutral","sentiment_score":0.09599295652543123,"num_words":104,"start":1021.93,"end":1052.75},{"sentences":[{"text":"But the lending side of things, I think a mortgage broker is your best friend.","start":1053.21,"end":1056.465,"sentiment":"neutral","sentiment_score":0.14858974516391754},{"text":"They not only have the big four banks.","start":1056.465,"end":1058.065,"sentiment":"neutral","sentiment_score":0.11578624974936247},{"text":"They also have other tier lenders, and they can get access to some really great information for you lending lending wise.","start":1058.065,"end":1065.0449,"sentiment":"neutral","sentiment_score":0.22788168348017193},{"text":"So yeah.","start":1065.1849,"end":1066.325,"sentiment":"neutral","sentiment_score":0.15898985415697098},{"text":"Oh, fantastic.","start":1069.84,"end":1070.9,"sentiment":"positive","sentiment_score":0.5871193408966064}],"sentiment":"neutral","sentiment_score":0.19651812330509225,"num_words":48,"start":1053.21,"end":1070.9},{"sentences":[{"text":"Fantastic.","start":1071.2,"end":1071.7,"sentiment":"positive","sentiment_score":0.6770180463790894},{"text":"Well, I'll set now for you.","start":1071.84,"end":1073.62,"sentiment":"positive","sentiment_score":0.4139188428719838},{"text":"That'll come through in the next sort of fifteen minutes for you to make it nice and easier.","start":1073.84,"end":1077.78,"sentiment":"positive","sentiment_score":0.470594369702869},{"text":"And if anything comes out of that, I'm so happy for you.","start":1078.1599,"end":1081.76,"sentiment":"positive","sentiment_score":0.7555449505647024},{"text":"If it does and if something doesn't eventuate or it's right, please come back to me and let me know what, you know, happened, and I can see what else we can do.","start":1081.76,"end":1090.285,"sentiment":"neutral","sentiment_score":0.20496708290143448}],"sentiment":"positive","sentiment_score":0.39230975572552,"num_words":70,"start":1071.2,"end":1090.285},{"sentences":[{"text":"We can look at cash on budgeting and advice and sort of look at how else we can maybe help you down the track.","start":1090.285,"end":1095.505,"sentiment":"neutral","sentiment_score":0.2184072577704986},{"text":"Okay?","start":1095.565,"end":1096.065,"sentiment":"neutral","sentiment_score":0.1167374700307846},{"text":"Oh, beautiful.","start":1098.43,"end":1099.81,"sentiment":"neutral","sentiment_score":0.30983585119247437},{"text":"But before I do let you go, Carrie, is there anything else that you wanted to chat to me about today or ask me?","start":1100.1101,"end":1105.79,"sentiment":"neutral","sentiment_score":0.03977935353759676},{"text":"Or no?","start":1105.79,"end":1109.9701,"sentiment":"neutral","sentiment_score":-0.045627024956047535}],"sentiment":"neutral","sentiment_score":0.12908743007354578,"num_words":53,"start":1090.285,"end":1109.9701},{"sentences":[{"text":"Yeah.","start":1110.375,"end":1110.875,"sentiment":"neutral","sentiment_score":0.16128009557724},{"text":"Beautiful.","start":1112.055,"end":1112.555,"sentiment":"neutral","sentiment_score":0.304782897233963},{"text":"Well, we wanna make sure that because I've sort of had a few changes in the business, and I've been able to take on a bit of a book myself of a certain amount of clients.","start":1113.175,"end":1122.215,"sentiment":"neutral","sentiment_score":0.20706486163867843},{"text":"And I've asked for you as one of my beautiful clients here.","start":1122.215,"end":1125.15,"sentiment":"positive","sentiment_score":0.36870668083429337},{"text":"And I'm just also going through and just touching base with everyone to find out how often you would like to have catch ups around your super, around looking at new advice, and things like that.","start":1125.39,"end":1134.99,"sentiment":"neutral","sentiment_score":0.18339493104981053}],"sentiment":"neutral","sentiment_score":0.22031506627451541,"num_words":86,"start":1110.375,"end":1134.99},{"sentences":[{"text":"So did you want my team to do catch ups with you every sort of three months, months, or twelve months?","start":1134.99,"end":1140.2151,"sentiment":"neutral","sentiment_score":0.10563680671510242},{"text":"How often would you like someone to touch base with you and have a chat to you about your goals and your super and everything else?","start":1140.2151,"end":1146.155,"sentiment":"neutral","sentiment_score":0.16699412780312392},{"text":"Yeah.","start":1152.28,"end":1152.52,"sentiment":"positive","sentiment_score":0.33738261461257935},{"text":"Beautiful.","start":1152.52,"end":1153.02,"sentiment":"positive","sentiment_score":0.6746963262557983},{"text":"Well, I'll start that in three months.","start":1153.16,"end":1155.34,"sentiment":"neutral","sentiment_score":0.17116872540542058}],"sentiment":"neutral","sentiment_score":0.15661571933222668,"num_words":56,"start":1134.99,"end":1155.34},{"sentences":[{"text":"Yeah.","start":1156.36,"end":1156.84,"sentiment":"neutral","sentiment_score":0.17265817523002625},{"text":"Absolutely.","start":1156.84,"end":1157.34,"sentiment":"positive","sentiment_score":0.41317588090896606},{"text":"I'm just gonna take I've been able to take a bunch of clients because I've been an adviser for a bit longer now.","start":1158.36,"end":1162.76,"sentiment":"neutral","sentiment_score":0.2276852513137071},{"text":"So I've been able to take a bunch of clients and kind of make my own little book.","start":1162.76,"end":1166.445,"sentiment":"neutral","sentiment_score":0.2391174402501848},{"text":"So, I mean, my team can focus on things a little bit deeply for you, give you a a different level of service, and really look at your goals.","start":1166.5249,"end":1173.325,"sentiment":"neutral","sentiment_score":0.20977206476803484}],"sentiment":"neutral","sentiment_score":0.22514025887681377,"num_words":72,"start":1156.36,"end":1173.325},{"sentences":[{"text":"You're one of those that's getting closer to those your time at years, and we wanna make sure your super is working harder for you.","start":1173.325,"end":1179.3,"sentiment":"neutral","sentiment_score":0.14136590510606767},{"text":"So I will get my team to touch base in about three months to do a bit of a catch up with you.","start":1180.26,"end":1185.54,"sentiment":"neutral","sentiment_score":0.14000385254621506},{"text":"We'll reassess your goals, look at what's happening, go through a nice date to either of your super, and then we can always update advice as needed as well.","start":1185.54,"end":1193.9401,"sentiment":"neutral","sentiment_score":0.1638225193681388},{"text":"And if you need me in the mean time, you're welcome to let me know.","start":1193.9401,"end":1196.875,"sentiment":"neutral","sentiment_score":0.15128560711940128},{"text":"Give my team a call.","start":1196.875,"end":1198.155,"sentiment":"neutral","sentiment_score":0.16657329201698304}],"sentiment":"neutral","sentiment_score":0.15059010169862472,"num_words":97,"start":1173.325,"end":1198.155},{"sentences":[{"text":"My name is Dana, and I'll make sure I book you in at any time that suits you.","start":1198.155,"end":1202.495,"sentiment":"neutral","sentiment_score":0.15109377809696728},{"text":"Okay?","start":1202.635,"end":1203.135,"sentiment":"neutral","sentiment_score":0.12900593876838684},{"text":"Yep.","start":1209.7,"end":1210.1,"sentiment":"neutral","sentiment_score":0.04025498032569885},{"text":"Yeah.","start":1210.1,"end":1210.26,"sentiment":"neutral","sentiment_score":0.04825598746538162},{"text":"That's one of our phone numbers.","start":1210.26,"end":1211.46,"sentiment":"neutral","sentiment_score":0.05655473656952381}],"sentiment":"neutral","sentiment_score":0.12135308636007486,"num_words":27,"start":1198.155,"end":1211.46},{"sentences":[{"text":"We do call off a couple of them, but this is definitely one of the ones that you can save for us.","start":1211.46,"end":1216.26,"sentiment":"neutral","sentiment_score":0.12047187780792062},{"text":"Yeah.","start":1216.26,"end":1216.76,"sentiment":"neutral","sentiment_score":0.0786239355802536},{"text":"Yeah.","start":1219.22,"end":1219.72,"sentiment":"neutral","sentiment_score":0.20184019207954407},{"text":"That's okay.","start":1220.1799,"end":1221.08,"sentiment":"neutral","sentiment_score":0.1867106929421425},{"text":"Well, I'll get this referral out.","start":1221.14,"end":1223.1599,"sentiment":"neutral","sentiment_score":0.2880612189571063}],"sentiment":"neutral","sentiment_score":0.15726981684565544,"num_words":32,"start":1211.46,"end":1223.1599},{"sentences":[{"text":"And, yeah, have a really good chat to Fabian and his team.","start":1223.535,"end":1226.0951,"sentiment":"positive","sentiment_score":0.47250547756751377},{"text":"They are fantastic.","start":1226.0951,"end":1227.0751,"sentiment":"positive","sentiment_score":0.8253745834032694},{"text":"I've referred quite a lot of clients to them, and they've done some really good things.","start":1227.135,"end":1230.5951,"sentiment":"positive","sentiment_score":0.6787251010537148},{"text":"Unfortunately, with advisers, we are limited around the lending side of space on what we can advise on without having a credit license.","start":1231.535,"end":1237.7151,"sentiment":"neutral","sentiment_score":-0.13555380928775537},{"text":"This is where having a really good mortgage broker can be really beneficial for you.","start":1237.82,"end":1241.82,"sentiment":"neutral","sentiment_score":0.03790539925297101}],"sentiment":"neutral","sentiment_score":0.23850194888486378,"num_words":69,"start":1223.535,"end":1241.82},{"sentences":[{"text":"Okay?","start":1241.82,"end":1242.32,"sentiment":"neutral","sentiment_score":0.02474077418446541},{"text":"Yeah.","start":1243.1,"end":1243.6,"sentiment":"neutral","sentiment_score":0.14465230703353882},{"text":"Be beautiful.","start":1244.54,"end":1246.0,"sentiment":"neutral","sentiment_score":0.30873158015310764},{"text":"Oh, I'll get that email shortly, and then you'll also see me in that email sending it out.","start":1246.22,"end":1250.86,"sentiment":"neutral","sentiment_score":0.24895621008343166},{"text":"So you can keep my email address and shoot me back anything that you need as well.","start":1250.86,"end":1254.985,"sentiment":"positive","sentiment_score":0.3549361193881315}],"sentiment":"neutral","sentiment_score":0.28979441160574937,"num_words":39,"start":1241.82,"end":1254.985},{"sentences":[{"text":"Okay?","start":1255.205,"end":1255.705,"sentiment":"neutral","sentiment_score":0.15828102827072144},{"text":"Yeah.","start":1255.9249,"end":1256.4249,"sentiment":"positive","sentiment_score":0.6572390198707581},{"text":"My pleasure, Kerry.","start":1258.485,"end":1259.605,"sentiment":"positive","sentiment_score":0.8563462893168131},{"text":"I hope you have a really good afternoon.","start":1259.605,"end":1261.465,"sentiment":"positive","sentiment_score":0.8456432819366455},{"text":"Thanks.","start":1264.725,"end":1265.125,"sentiment":"positive","sentiment_score":0.7625513076782227}],"sentiment":"positive","sentiment_score":0.7794468913759504,"num_words":14,"start":1255.205,"end":1265.125},{"sentences":[{"text":"See you later.","start":1265.125,"end":1265.945,"sentiment":"positive","sentiment_score":0.622292160987854},{"text":"Bye.","start":1266.005,"end":1266.505,"sentiment":"neutral","sentiment_score":0.32673370838165283}],"sentiment":"positive","sentiment_score":0.5484025478363037,"num_words":4,"start":1265.125,"end":1266.505}]}}]},{"alternatives":[{"transcript":"Hello? I'm well. How are you? Yeah. That's fine. Yep. Yeah. That's fine. Oh, it's Carrie Ann Brooks. 80369. And I may have updated the address when I was speaking to the lady the other day. So 16 Greenleaf Avenue, Springfield Lakes. Yes. Yes. Yeah. We've only just moved. Yeah. Mhmm. Yeah. I was hoping to sort of see if there's anything I could do there. But yeah. Because everything I sort of look into, I've I don't sort of see a way to get to that. No. That has just changed. Yeah. No. Because I started at a gym membership, and So that's taking $49 a week now. Now I just redid my just trying to find my notebook. I just redid my budget the other day. Yes. So currently, I'm putting a $120 a week away to savings. And then once this gym membership finished in August, I'll be able to put $45.90 a week back towards that. And my car I will own my car from July 13, so there's $72 a week I'll be able to put back towards that from that as well. So yeah. So yeah. Yes. Yes. Yes. No. It's sort of pushing it further and further out of out of rates, really. Yes. Yes. Yes. So do what we look like, we just need a little I just want something little for mom and I. So, you know, what we're looking at here in Springfield is this little three bedroom, two two bath, single garage, sort of looking at it in the high 7 hundreds. Yeah. Yeah. Yeah. Yeah. Yes. But yeah. Mhmm. Yeah. Another 140 on top of what I'm managing to put aside now. But then, you know, like because that's that's the concern is that's two two years away to save that deposit, which then the half which this half is probably gonna be, you're probably looking at 890,000 to buy a house. You know? So trying to reach that 5 to pay percent deposit before the value of the homes you you're looking at to buy go up. It's just yeah. I really I really don't think it's achievable. No. I did we did buy a home. I think it was thirty years ago, but it we've sold we've sold that. Yeah. Yeah. Yeah. No. It's sort of yeah. That's why it all comes into it, doesn't it? No. I haven't. But I was thinking I just a girl a friend did give me the name of a mortgage broker that she's used in the past. But, yeah, it's just trying it's just finding one that that would be best to contact. Yeah. Mhmm. Well, ma'am well, I mean, we're we're tied into a one year lease. But, yeah, it was sort of the idea is to sort of, you know, by the end of this lease, possibly move into something where we wouldn't have to ever move again. Like, yeah, just getting past that that past the you know? And then, obviously, to have something to pass to my son when I'm you know? So yeah. That sort of thing. No. He's 30. He'll be 30 this year. Mhmm. Yeah. Yeah. Yeah. That would sound cool. I think he'd be happy with that. But so would he would we be able to access our first time loan? Because he wouldn't be a first time loan. Like, he hasn't bought a home before. Yes. Yes. Yes. Yes. Yes. Yes. Yes. Yes. Yes. Yes. Yes. Yeah. That sounds great. Yeah. That'd be a good idea. Mhmm. Mhmm. Yes. No. Nothing at all. No. It'd be good. Yeah. Please refer on. Mhmm. Yes. Yes. Mhmm. Yep. Yes. Yes. Yep. Yep. No. That'll be great. Yes. Please do that. Mhmm. Yep. No problem. Yep. That'd be great. No. No. No. That's great. No. That's everything I wanted to do. Yep. Actually, probably yeah. Every three months would probably be alright. Keep track on where to look. Yep. Mhmm. Cool. Yes. Yep. Excellent. Is that is that this number, this 36679841? Yep. Oh, cool. Thank you. Right. Yes. Yep. Fantastic. Okay. All good. Okay. Great. Thank you. You too. Thanks a lot. 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I'm well. How are you? Yeah. That's fine.\n\nYep. Yeah. That's fine. Oh, it's Carrie Ann Brooks. 80369.\n\nAnd I may have updated the address when I was speaking to the lady the other day. So 16 Greenleaf Avenue, Springfield Lakes. Yes. Yes. Yeah.\n\nWe've only just moved. Yeah. Mhmm. Yeah. I was hoping to sort of see if there's anything I could do there.\n\nBut yeah. Because everything I sort of look into, I've I don't sort of see a way to get to that. No. That has just changed. Yeah.\n\nNo. Because I started at a gym membership, and So that's taking $49 a week now. Now I just redid my just trying to find my notebook. I just redid my budget the other day. Yes.\n\nSo currently, I'm putting a $120 a week away to savings. And then once this gym membership finished in August, I'll be able to put $45.90 a week back towards that. And my car I will own my car from July 13, so there's $72 a week I'll be able to put back towards that from that as well. So yeah. So yeah.\n\nYes. Yes. Yes. No. It's sort of pushing it further and further out of out of rates, really.\n\nYes. Yes. Yes. So do what we look like, we just need a little I just want something little for mom and I. So, you know, what we're looking at here in Springfield is this little three bedroom, two two bath, single garage, sort of looking at it in the high 7 hundreds.\n\nYeah. Yeah. Yeah. Yeah. Yes.\n\nBut yeah. Mhmm. Yeah. Another 140 on top of what I'm managing to put aside now. But then, you know, like because that's that's the concern is that's two two years away to save that deposit, which then the half which this half is probably gonna be, you're probably looking at 890,000 to buy a house.\n\nYou know? So trying to reach that 5 to pay percent deposit before the value of the homes you you're looking at to buy go up. It's just yeah. I really I really don't think it's achievable. No.\n\nI did we did buy a home. I think it was thirty years ago, but it we've sold we've sold that. Yeah. Yeah. Yeah.\n\nNo. It's sort of yeah. That's why it all comes into it, doesn't it? No. I haven't.\n\nBut I was thinking I just a girl a friend did give me the name of a mortgage broker that she's used in the past. But, yeah, it's just trying it's just finding one that that would be best to contact. Yeah. Mhmm. Well, ma'am well, I mean, we're we're tied into a one year lease.\n\nBut, yeah, it was sort of the idea is to sort of, you know, by the end of this lease, possibly move into something where we wouldn't have to ever move again. Like, yeah, just getting past that that past the you know? And then, obviously, to have something to pass to my son when I'm you know? So yeah. That sort of thing.\n\nNo. He's 30. He'll be 30 this year. Mhmm. Yeah.\n\nYeah. Yeah. That would sound cool. I think he'd be happy with that. But so would he would we be able to access our first time loan?\n\nBecause he wouldn't be a first time loan. Like, he hasn't bought a home before. Yes. Yes. Yes.\n\nYes. Yes. Yes. Yes. Yes.\n\nYes. Yes. Yes. Yeah. That sounds great.\n\nYeah. That'd be a good idea. Mhmm. Mhmm. Yes.\n\nNo. Nothing at all. No. It'd be good. Yeah.\n\nPlease refer on. Mhmm. Yes. Yes. Mhmm.\n\nYep. Yes. Yes. Yep. Yep.\n\nNo. That'll be great. Yes. Please do that. Mhmm.\n\nYep. No problem. Yep. That'd be great. No.\n\nNo. No. That's great. No. That's everything I wanted to do.\n\nYep. Actually, probably yeah. Every three months would probably be alright. Keep track on where to look. Yep.\n\nMhmm. Cool. Yes. Yep. Excellent.\n\nIs that is that this number, this 36679841? Yep. Oh, cool. Thank you. Right.\n\nYes. Yep. Fantastic. Okay. All good.\n\nOkay. Great. Thank you. You too. Thanks a lot.\n\nBye.","paragraphs":[{"sentences":[{"text":"Hello?","start":1.52,"end":2.02,"sentiment":"neutral","sentiment_score":0.028070267289876934},{"text":"I'm well.","start":7.68,"end":8.16,"sentiment":"neutral","sentiment_score":0.26349322497844696},{"text":"How are you?","start":8.16,"end":8.98,"sentiment":"neutral","sentiment_score":0.2106626182794571},{"text":"Yeah.","start":16.494999,"end":16.735,"sentiment":"neutral","sentiment_score":0.12327799201011658},{"text":"That's fine.","start":16.735,"end":17.615,"sentiment":"neutral","sentiment_score":0.1950102373957634}],"sentiment":"neutral","sentiment_score":0.18892700432075393,"num_words":9,"start":1.52,"end":17.615},{"sentences":[{"text":"Yep.","start":17.615,"end":18.115,"sentiment":"neutral","sentiment_score":0.29236337542533875},{"text":"Yeah.","start":26.895,"end":27.134998,"sentiment":"neutral","sentiment_score":0.11768726259469986},{"text":"That's 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that is that this number, this 36679841?","start":1204.36,"end":1208.62,"sentiment":"neutral","sentiment_score":0.05807480635121465},{"text":"Yep.","start":1210.6,"end":1211.1,"sentiment":"neutral","sentiment_score":0.06470207870006561},{"text":"Oh, cool.","start":1217.16,"end":1217.8201,"sentiment":"neutral","sentiment_score":0.18629273027181625},{"text":"Thank you.","start":1218.04,"end":1230.965,"sentiment":"neutral","sentiment_score":0.2042279839515686},{"text":"Right.","start":1231.105,"end":1231.605,"sentiment":"neutral","sentiment_score":0.003222322091460228}],"sentiment":"neutral","sentiment_score":0.09382602000342948,"num_words":14,"start":1204.36,"end":1231.605},{"sentences":[{"text":"Yes.","start":1241.12,"end":1241.62,"sentiment":"neutral","sentiment_score":0.0054034702479839325},{"text":"Yep.","start":1242.08,"end":1242.58,"sentiment":"neutral","sentiment_score":0.042879607528448105},{"text":"Fantastic.","start":1243.2001,"end":1243.7001,"sentiment":"positive","sentiment_score":0.477469801902771},{"text":"Okay.","start":1244.08,"end":1244.58,"sentiment":"neutral","sentiment_score":0.2887214422225952},{"text":"All good.","start":1253.1749,"end":1253.915,"sentiment":"positive","sentiment_score":0.4086616784334183}],"sentiment":"neutral","sentiment_score":0.27196627979477245,"num_words":6,"start":1241.12,"end":1253.915},{"sentences":[{"text":"Okay.","start":1255.255,"end":1255.735,"sentiment":"neutral","sentiment_score":0.3043665587902069},{"text":"Great.","start":1255.735,"end":1256.235,"sentiment":"positive","sentiment_score":0.7684966325759888},{"text":"Thank you.","start":1256.295,"end":1257.195,"sentiment":"positive","sentiment_score":0.8599312007427216},{"text":"You too.","start":1262.2208,"end":1262.7809,"sentiment":"positive","sentiment_score":0.6321808695793152},{"text":"Thanks a lot.","start":1262.7809,"end":1263.6808,"sentiment":"positive","sentiment_score":0.8254427115122477}],"sentiment":"positive","sentiment_score":0.7259350518385569,"num_words":9,"start":1255.255,"end":1263.6808},{"sentences":[{"text":"Bye.","start":1266.2208,"end":1266.7208,"sentiment":"neutral","sentiment_score":-0.09364032000303268}],"sentiment":"neutral","sentiment_score":-0.09364032000303268,"num_words":1,"start":1266.2208,"end":1266.7208}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello?\n\nChannel 0: Hi, Kerry. This is Dana from Oakview Financial. How are you today?\n\nChannel 1: I'm well. How are you?\n\nChannel 0: I'm very well. Thank you. I had you booked in for a bit of a conversation. I'm speaking to new advice. Is now still a good time there for you?\n\nChannel 1: Yeah. That's fine. Yep.\n\nChannel 0: Fantastic. Carrie, just before we jump into the call, just to let you know we do record our calls for quality and training purposes. Are you happy for me to proceed with that?\n\nChannel 1: Yeah. That's fine.\n\nChannel 0: Fantastic. And just to do security, we are discussing your personal information. So I'll just get you to confirm your full name, your date of birth, and address I should have on file.\n\nChannel 1: Oh, it's Carrie Ann Brooks.\n\nChannel 0: Yep.\n\nChannel 1: 80369.\n\nChannel 0: Yes.\n\nChannel 1: And I may have updated the address when I was speaking to the lady the other day. So\n\nChannel 0: Yes.\n\nChannel 1: 16 Greenleaf Avenue, Springfield Lakes.\n\nChannel 0: That's the one I have here. Thank you so much for that. And that's the updated address we should have?\n\nChannel 1: Yes. Yes.\n\nChannel 0: Yes.\n\nChannel 1: Yeah. We've\n\nChannel 0: Perfect.\n\nChannel 1: only just moved. Yeah. Mhmm.\n\nChannel 0: Oh, fantastic. I do see here on the note, one of the things you wanted talk about was trying to, I believe, find your forever home. So stop strategies to stop the renting cycle and gain long term secure accommodation. Is that sort of what you're after for the moment? Or\n\nChannel 1: Yeah. I was hoping to sort of see if there's anything I could do there. But yeah. Because everything I sort of look into, I've I don't sort of see a way to get to that.\n\nChannel 0: yes. Yeah. So when we sort of look at those things, strategies that I can sort of help you with as a financial adviser is maybe looking at your cash flow and budgeting, giving you ideas on how you might be able to structure your budget to be able to save a bit more money. I can see here from your last that's fine completed with the girls in January. You're saving or we're saving about $200 per week.\n\nAre you still managing to save that kind of the those funds?\n\nChannel 1: No. That has just changed.\n\nChannel 0: Yes.\n\nChannel 1: Yeah. No. Because I started at a gym membership, and\n\nChannel 0: Okay.\n\nChannel 1: So that's taking $49 a week now.\n\nChannel 0: Yep.\n\nChannel 1: Now I just redid my just trying to find my notebook. I just redid my budget the other day.\n\nChannel 0: Yes.\n\nChannel 1: Yes. So currently, I'm putting a $120 a week away to savings.\n\nChannel 0: Yes.\n\nChannel 1: And then once this gym membership finished in August, I'll be able to put $45.90 a week back towards that.\n\nChannel 0: Mhmm.\n\nChannel 1: And my car I will own my car from July 13, so there's $72 a week I'll be able to put back towards that from\n\nChannel 0: Okay.\n\nChannel 1: that as well.\n\nChannel 0: Yeah. Perfect.\n\nChannel 1: So\n\nChannel 0: So it\n\nChannel 1: yeah.\n\nChannel 0: looks\n\nChannel 1: So\n\nChannel 0: like that's a good\n\nChannel 1: yeah.\n\nChannel 0: definitely a good starting point. Yeah. Because the biggest thing is and the hardest thing, especially with where you're at in the know because have you looked you're 57 years of age now, aren't you?\n\nChannel 1: Yes.\n\nChannel 0: Yes. So, realistically, time horizon wise, you don't have, you know, a long time to be able to put the money away to save long term to be able to buy a property because borrowing capacity kind of does get a bit harder when you sort of hit those into the sixty year sixties and seventies just because\n\nChannel 1: Yes.\n\nChannel 0: when you're looking at lenders, they wanna sort of look for an exit strategy. What happens if you can't repay if you decide to retire? How do they, you know, how do you finalize the loan?\n\nChannel 1: Yes.\n\nChannel 0: And property prices are pretty extreme these days as well, aren't they?\n\nChannel 1: No. It's sort of pushing it further and further out of out of rates, really.\n\nChannel 0: Yeah. It is very, very difficult. But with that there, so that's 75, $45.90, and then we've got a 120 currently. So once all of that is good, you do have a good $2.37 90 that you're able to save essentially on a weekly basis.\n\nChannel 1: Yes.\n\nChannel 0: Over the course of one year, if you are able to once all of that is good, you've got that free and clear, saving all of that together over twelve months gives you about $12,370.\n\nChannel 1: Yes.\n\nChannel 0: So that isn't bad to start with. Realistically, if you get into the property market, you can do it with, say, a 5% deposit. So\n\nChannel 1: Yes.\n\nChannel 0: what a house price is sort of looking like around your area basis at the moment.\n\nChannel 1: So do what we look like, we just need a little I just want something little for mom and I. So, you know, what we're looking\n\nChannel 0: Yeah.\n\nChannel 1: at here in Springfield is this little three bedroom, two two bath, single garage, sort of looking at it in the high 7 hundreds.\n\nChannel 0: Okay.\n\nChannel 1: Yeah.\n\nChannel 0: So if we say sort of aim it on to be say, we'll aim it on, say, 790,000.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: So, realistically, you're aiming to try and get a deposit at 5% on 790,000 of about 39,500. If you\n\nChannel 1: Yeah.\n\nChannel 0: were to try and do that over the course of twelve months, on a weekly basis, you would need to save about 759 to $760 on a weekly basis, which is quite tight. If you were to sort of try and structure that over two years, and that sort of brings you out closer to 60,\n\nChannel 1: Yes.\n\nChannel 0: to get 5% there, you would need to sorry. I'm just doing some really quick math, but I'm making sure I'm doing it properly for you as well.\n\nChannel 1: But\n\nChannel 0: That one there. Divide that by so 24. That's a 152, 100 for four\n\nChannel 1: yeah.\n\nChannel 0: weeks. Beautiful. Sorry. My thing is a little bit hard later in the day. So\n\nChannel 1: Mhmm.\n\nChannel 0: over the course of two years, about $379 per week would essentially get you saving that amount to give you a 55% deposit over the course of two years. Does\n\nChannel 1: Yeah.\n\nChannel 0: that kinda sound like something that's doable for you, or is that kind of a little bit too far fetched? Or how does that kinda sound so far?\n\nChannel 1: Another 140 on top of what I'm managing to put aside now.\n\nChannel 0: Yeah.\n\nChannel 1: But then, you know, like because that's that's the concern is that's two two years away to save that deposit, which then\n\nChannel 0: Correct.\n\nChannel 1: the half which this half is probably gonna be, you're probably looking at 890,000\n\nChannel 0: Yeah.\n\nChannel 1: to buy a\n\nChannel 0: That\n\nChannel 1: house.\n\nChannel 0: is\n\nChannel 1: You\n\nChannel 0: the downside.\n\nChannel 1: know?\n\nChannel 0: Yeah.\n\nChannel 1: So\n\nChannel 0: Yeah. Absolutely.\n\nChannel 1: trying to reach that 5 to pay percent deposit before the value of the homes you you're looking at to buy go up. It's just yeah.\n\nChannel 0: Yeah. No.\n\nChannel 1: I really\n\nChannel 0: It is\n\nChannel 1: I really\n\nChannel 0: difficult.\n\nChannel 1: don't think it's achievable.\n\nChannel 0: The the other sort of thing and because you are 57, you are closer to, obviously, the age of 60. And even if you start working, the other sort of strategy we have that we could maybe look at when you're close to 60 is, when you get to that point, we actually have these really cool kind of strategies where you can access a part of your super if you want to. So it's called a transit retirement strategy, and I'm just having a quick look at your super to see sort of where your balance is. So your balance at the moment is about 233,000 there. So you can't do this until you turn 60.\n\nBut at the age of 60, we can take anything we have to leave $1,010,000 in an accumulation in your super account, but we can transfer the rest of the funds into what's called a transition to retirement pension account. Once the funds are in that account, we can then draw down per financial year 10%. So to give you an idea of how this strategy might work on your current balance there, you've got a current balance at 233,304. We have to leave 10,000 behind in super, which leaves a a transfer balance of 223,304. As much as I know property prices could go up in that time and be a little bit more, if you then sort of were to transfer that full amount into the TCR, you can then access 10% per financial year.\n\nSo 10% of that times that is going to give you about 22,330. It's not as much as sort of that 5% deposit based on that sort of $79,800,000, but it is also giving you a lump sum without having to add into your budget. That is unfortunately still three years away to access under that sort of a strategy, but it does also give you just another option. And if we look at boosting your super, maybe putting some more money in there, that there's that option. You have you ever owned a home before?\n\nWould you be a first home buyer?\n\nChannel 1: No. I did we did buy a home. I think it was thirty years ago, but it we've sold we've sold that.\n\nChannel 0: Okay. Yeah. Because you have owned a home even thirty years ago, it doesn't sort of qualify for the first home buyer super scheme. But even that is another good way. You know, we could have been putting more money in the super utilizing that as your savings scheme and then drawing that back down when you need the deposit to do so.\n\nWe can still do it that way, and you'd without using the first time super saver scheme, be putting more money into super to boost your balance as high as possible. So in three years, you can do that TTR strategy and draw money out to give you that 5% deposit, but it still sort of comes down to you're still gonna have quite a large loan there. How long are you planning to work for, and does a thirty year loan sort of work for you when you hit 60 years of age?\n\nChannel 1: Yeah. Yeah. Yeah. No. It's sort of yeah.\n\nThat's why it all comes into it, doesn't it?\n\nChannel 0: It does. Yeah. Definitely. So, I mean, it's definitely not unachievable. It can be done.\n\nIt just comes down to what your preference is, how much you'll need to borrow, how much, you know, you you'll have as a deposit there. Have you spoken to any mortgage brokers and had a chat about what your borrowing capacity might look like now and what other access to government schemes you may have for, say, boosting a deposit and things like that.\n\nChannel 1: No. I haven't. But I was thinking I just a girl a friend did give me the name of a mortgage broker that she's used in the past. But, yeah, it's just trying\n\nChannel 0: Yeah.\n\nChannel 1: it's just finding one that that would be best to contact. Yeah.\n\nChannel 0: Yeah. We do have mortgage brokers that we can refer you through to. Our sort of referral system and they're completely free to yourself. It's all part of our services. The mortgage brokers are paid by the the lenders that they write loans for.\n\nBut I've got some great mortgage brokers that we have access to, and Fabian's one of those. If you wanted me\n\nChannel 1: Mhmm.\n\nChannel 0: to put you in touch with him, he can have a bit of a chat about what your goals are, what you're after, see if he can help structure a loan, see what the borrowing capacity looks like, and also have a chat about the different schemes that might be out there to kinda give you a hand as well. Because you're sort of looking to try and get into the market a bit sooner that three years, aren't you? You're sort of hoping to do that maybe this year. Is that right?\n\nChannel 1: Well, ma'am well, I mean, we're we're tied into a one year lease. But, yeah, it was sort\n\nChannel 0: Yep.\n\nChannel 1: of the idea is to sort of, you know, by the end of this lease, possibly move into something where we wouldn't have to ever move again. Like, yeah,\n\nChannel 0: Yeah.\n\nChannel 1: just getting past that that past the you know? And then, obviously, to have something to pass to my son when I'm you know?\n\nChannel 0: Yeah.\n\nChannel 1: So yeah.\n\nChannel 0: Yeah.\n\nChannel 1: That sort of thing.\n\nChannel 0: The other thing is is your son just having a quick look at your last back find there. I can see you've got one child. Is he a minor? Is he 18 or over 18?\n\nChannel 1: No. He's 30. He'll be 30 this year.\n\nChannel 0: Yes. Okay. So there is maybe another option where depending on your circumstances, and not everyone wants to do this, but if your son was maybe wanting to look at investing and, you know, helping you to build something that would become, you know, his inheritance later down the track, if\n\nChannel 1: Mhmm.\n\nChannel 0: he's working and he's 30 and he's a non dependent, then you might be able to do a joint loan with him. It utilizes his income, and it income, and it means that the loan, you know, you can have the loan sort of set up in different ways. And I think the mortgage brokers would be the best person to have this conversation with to really look at how to structure the loan. But if your son was open to it, had borrowing capacity with you, you could have a joint loan by the property together. You live in the property, and it becomes his inheritance down the track.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: There could be a way of structuring it that way if you're sort of open to doing something like that. Would that sound okay?\n\nChannel 1: Yeah. That would sound cool. I think he'd be happy with that. But so would he\n\nChannel 0: Yes.\n\nChannel 1: would we be able to access our first time loan? Because he wouldn't be a first time loan. Like, he hasn't bought a home before.\n\nChannel 0: Right. So I do I'm not a 100% sure on that one. I'm pretty sure he should be eligible for it, but I don't know how the loan would have to be structured. I honestly\n\nChannel 1: Yes.\n\nChannel 0: that sort of thing would come down to a mortgage broker giving you the right information.\n\nChannel 1: Yes. Yes. Yes.\n\nChannel 0: I could do a bit of research, but I think probably what would be honestly best for you is if I send the referral through to Fabian and get Fabian and his team to give you a call,\n\nChannel 1: Yes.\n\nChannel 0: and they can have a chat about what you're after, look at the different options available to you, look at what grants you may or may not be able to, you know, work\n\nChannel 1: Yes.\n\nChannel 0: out. Feel I would probably, you know, suggest also having a chat to your son and seeing if it's something he would like to do because most most of us wanna have investment properties and whatnot like that. And I've I've bought an investment property which my kids are living in at the moment. So,\n\nChannel 1: Yes. Yes.\n\nChannel 0: you know, it it's definitely something that we wanna do as adults to help our children, but this would give him a head start at, you know, getting into the property market and getting an investment for down the track, but then also allowing you to reside and that you don't have to move on a regular basis. The loan is kind of part and part for you and him,\n\nChannel 1: Yes. Yes.\n\nChannel 0: and it becomes an inheritance down the track and gets you out into the market now. So if you're open to me doing that referral, I could send that through to Fabian.\n\nChannel 1: Yes.\n\nChannel 0: We could you can have that conversation with the mortgage broker, how get him to structure what that looks like for you between yourself and Casey and see if that would give you guys a bit of a helping hand. Does that sound okay?\n\nChannel 1: Yeah. That sounds great. Yeah. That'd be a good\n\nChannel 0: Yep.\n\nChannel 1: idea.\n\nChannel 0: Yep, Toby. If there's sort of nothing else, then come back to me, and we can definitely look at cash on budgeting\n\nChannel 1: Mhmm.\n\nChannel 0: advice and things like that. And down the track, you know, there's no limit to we can always look at that PCR strategy down the track to, you know, help you to maybe tuck some lump sum money onto the property or do renovations or whatever you wanna do go wise down the track.\n\nChannel 1: Mhmm.\n\nChannel 0: But I just sort of think maybe this might give you a a an option to get into the market sooner rather\n\nChannel 1: Yes.\n\nChannel 0: than waiting for so, you know, two, three, four years down the track before you get into the market and then seeing what happens with the property market and finding it's gonna be harder and cost more. Does that sound okay to you, or do you do any qualms that come out of that? Or\n\nChannel 1: No. Nothing at all. No. It'd be good. Yeah.\n\nPlease refer on. Mhmm.\n\nChannel 0: yeah. Yeah. Beautiful. Beautiful. Well, I just need to grab your permission to do so.\n\nSo to give I just have to give some personal information to Fabian and his team.\n\nChannel 1: Yes.\n\nChannel 0: The email I send out is to you and to him. So it's basically introducing you to Fabian, Fabian to yourself. I just need to give him your name, phone number, sometimes your email address as well. Just\n\nChannel 1: Yes.\n\nChannel 0: depends on what referral information they ask. But I'll send the email out shortly for you. They then reply back to that email and\n\nChannel 1: Mhmm.\n\nChannel 0: ask the time for you to confirm when you're available. I'll\n\nChannel 1: Yep.\n\nChannel 0: let him know when you're available as well, but he does also just reply back to the email confirming it when you want availability for a contact.\n\nChannel 1: Yes.\n\nChannel 0: And, yeah, then he'll give you a call at the specified time and have a chat about what your goals are, look at servicing, look at what properties there are, look at, you know, any other options that you might have. But the lending side of things, I think a mortgage broker is your best friend. They not only have the big four banks. They also have other tier lenders, and they\n\nChannel 1: Yes.\n\nChannel 0: can get access to some really great information for you lending lending wise. So yeah.\n\nChannel 1: Yep. Yep. No. That'll be great. Yes.\n\nPlease do that. Mhmm.\n\nChannel 0: Oh, fantastic. Fantastic. Well, I'll set now for you. That'll\n\nChannel 1: Yep.\n\nChannel 0: come through in the next sort of fifteen minutes for you to make it nice and easier. And if anything comes out of that, I'm so happy for you. If it does and if something doesn't eventuate or it's right, please come back to me and let me know what, you know, happened, and I can see what else we can do. We can look at cash on budgeting and advice and sort of look at how else we can maybe help you down the track. Okay?\n\nChannel 1: No problem. Yep. That'd be great.\n\nChannel 0: Oh, beautiful. But before I do let you go, Carrie, is there anything else that you wanted to chat to me about today or ask me? Or\n\nChannel 1: No. No. No. That's great. No.\n\nThat's everything I\n\nChannel 0: no?\n\nChannel 1: wanted to do. Yep.\n\nChannel 0: Yeah. Beautiful. Well, we wanna make sure that because I've sort of had a few changes in the business, and I've been able to take on a bit of a book myself of a certain amount of clients. And I've asked for you as one of my beautiful clients here. And I'm just also going through and just touching base with everyone to find out how often you would like to have catch ups around your super, around looking at new advice, and things like that.\n\nSo did you want my team to do catch ups with you every sort of three months, months, or twelve months? How often would you like someone to touch base with you and have a chat to you about your goals and your super and everything else?\n\nChannel 1: Actually, probably yeah. Every three months would probably be alright.\n\nChannel 0: Yeah. Beautiful. Well,\n\nChannel 1: Keep\n\nChannel 0: I'll\n\nChannel 1: track\n\nChannel 0: start\n\nChannel 1: on\n\nChannel 0: that\n\nChannel 1: where\n\nChannel 0: in\n\nChannel 1: to\n\nChannel 0: three\n\nChannel 1: look.\n\nChannel 0: months.\n\nChannel 1: Yep. Mhmm.\n\nChannel 0: Yeah. Absolutely. I'm just gonna take I've been able to take a bunch of clients because I've been an adviser for a bit longer now. So I've been able to take a bunch of clients and kind of make my own little book. So, I mean, my\n\nChannel 1: Cool.\n\nChannel 0: team can focus on things a little bit deeply for you, give you a a different level of service, and really look at your goals. You're one of those that's getting closer to those your time at years, and we wanna make sure your super is working harder for you.\n\nChannel 1: Yes.\n\nChannel 0: So I will get my team to touch base in about three months to do a bit of a catch up with you. We'll reassess your goals, look at what's happening, go through a nice date to either of your super,\n\nChannel 1: Yep.\n\nChannel 0: and then we can always update advice as needed as well. And if you need me in the mean time, you're welcome to let me know. Give my team a call. My name is Dana, and I'll make sure I book you in at any time that suits you.\n\nChannel 1: Excellent.\n\nChannel 0: Okay?\n\nChannel 1: Is that is that this number, this 36679841?\n\nChannel 0: Yep. Yeah. That's one\n\nChannel 1: Yep.\n\nChannel 0: of our phone numbers. We do call off a couple of them, but this is definitely one of the ones that you can save for us. Yeah.\n\nChannel 1: Oh, cool. Thank\n\nChannel 0: Yeah. That's okay. Well, I'll get this referral out. And, yeah, have a really good chat to Fabian and his team. They are fantastic.\n\nI've referred quite a lot of clients to them, and they've done some really good things.\n\nChannel 1: you. Right.\n\nChannel 0: Unfortunately, with advisers, we are limited around the lending side of space on what we can advise on without having a credit license. This is where having a really good mortgage broker can be really beneficial for\n\nChannel 1: Yes.\n\nChannel 0: you. Okay?\n\nChannel 1: Yep.\n\nChannel 0: Yeah.\n\nChannel 1: Fantastic. Okay.\n\nChannel 0: Be beautiful. Oh, I'll get that email shortly, and then you'll also see me in that email sending it out. So you can keep my email address and shoot me back\n\nChannel 1: All\n\nChannel 0: anything\n\nChannel 1: good.\n\nChannel 0: that you need as well. Okay?\n\nChannel 1: Okay. Great.\n\nChannel 0: Yeah.\n\nChannel 1: Thank you.\n\nChannel 0: My pleasure, Kerry. I hope you have a really good afternoon.\n\nChannel 1: You too. Thanks a lot.\n\nChannel 0: Thanks. See you later. Bye.\n\nChannel 1: Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":1.52,"end":2.02,"sentiment":"neutral","sentiment_score":0.028070267289876934}],"sentiment":"neutral","sentiment_score":0.028070267289876934,"channel":1,"num_words":1,"start":1.52,"end":2.02},{"sentences":[{"text":"Hi, Kerry.","start":3.9199998,"end":4.56,"sentiment":"neutral","sentiment_score":0.10895348340272903},{"text":"This is Dana from Oakview Financial.","start":4.56,"end":6.3399997,"sentiment":"neutral","sentiment_score":0.15703640629847845},{"text":"How are you today?","start":6.3999996,"end":7.3799996,"sentiment":"neutral","sentiment_score":0.20599215105175972}],"sentiment":"neutral","sentiment_score":0.16534116740028063,"channel":0,"num_words":12,"start":3.9199998,"end":7.3799996},{"sentences":[{"text":"I'm well.","start":7.68,"end":8.16,"sentiment":"neutral","sentiment_score":0.26349322497844696},{"text":"How are you?","start":8.16,"end":8.98,"sentiment":"neutral","sentiment_score":0.2106626182794571}],"sentiment":"neutral","sentiment_score":0.23179486095905305,"channel":1,"num_words":5,"start":7.68,"end":8.98},{"sentences":[{"text":"I'm very well.","start":9.28,"end":10.08,"sentiment":"positive","sentiment_score":0.4771882891654968},{"text":"Thank you.","start":10.08,"end":10.48,"sentiment":"positive","sentiment_score":0.6307939887046814},{"text":"I had you booked in for a bit of a conversation.","start":10.48,"end":12.42,"sentiment":"neutral","sentiment_score":0.2098877402869138},{"text":"I'm speaking to new advice.","start":12.559999,"end":14.0,"sentiment":"neutral","sentiment_score":0.14027141630649567},{"text":"Is now still a good time there for 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how much you'll need to borrow, how much, you know, you you'll have as a deposit there.","start":653.79,"end":662.265,"sentiment":"neutral","sentiment_score":0.15798988021337068},{"text":"Have you spoken to any mortgage brokers and had a chat about what your borrowing capacity might look like now and what other access to government schemes you may have for, say, boosting a deposit and things like that.","start":662.96497,"end":678.04004,"sentiment":"neutral","sentiment_score":0.08363842285978489}],"sentiment":"neutral","sentiment_score":0.11337900580121921,"channel":0,"num_words":65,"start":653.79,"end":678.04004},{"sentences":[{"text":"No.","start":678.375,"end":678.855,"sentiment":"neutral","sentiment_score":-0.08736936748027802},{"text":"I haven't.","start":678.855,"end":679.57495,"sentiment":"neutral","sentiment_score":-0.09241520240902901},{"text":"But I was thinking I just a girl a friend did give me the name of a mortgage broker that she's used in the past.","start":679.57495,"end":687.42,"sentiment":"neutral","sentiment_score":-0.017341222241520883},{"text":"But, yeah, it's just trying","start":687.5,"end":689.01996,"sentiment":"neutral","sentiment_score":-0.002555255498737097}],"sentiment":"neutral","sentiment_score":-0.021772927449395258,"channel":1,"num_words":33,"start":678.375,"end":689.01996},{"sentences":[{"text":"Yeah.","start":688.955,"end":689.455,"sentiment":"neutral","sentiment_score":0.051301274448633194}],"sentiment":"neutral","sentiment_score":0.051301274448633194,"channel":0,"num_words":1,"start":688.955,"end":689.455},{"sentences":[{"text":"it's just finding one that that would be best to contact.","start":689.1,"end":695.12,"sentiment":"neutral","sentiment_score":0.08341650021347133},{"text":"Yeah.","start":695.18,"end":695.68,"sentiment":"neutral","sentiment_score":0.1452072411775589}],"sentiment":"neutral","sentiment_score":0.08856572862714529,"channel":1,"num_words":12,"start":689.1,"end":695.68},{"sentences":[{"text":"Yeah.","start":696.955,"end":697.455,"sentiment":"neutral","sentiment_score":0.15853694081306458},{"text":"We do have mortgage brokers that we can refer you through to.","start":697.67505,"end":701.37,"sentiment":"neutral","sentiment_score":0.21272322411338487},{"text":"Our sort of referral system and they're completely free to yourself.","start":702.14996,"end":704.87,"sentiment":"neutral","sentiment_score":0.281909318132834},{"text":"It's all part of our services.","start":704.87,"end":706.23,"sentiment":"neutral","sentiment_score":0.2970506598552068},{"text":"The mortgage brokers are paid by the the lenders that they write loans for.","start":706.23,"end":710.33,"sentiment":"neutral","sentiment_score":0.13876418097476875}],"sentiment":"neutral","sentiment_score":0.21675501414574683,"channel":0,"num_words":44,"start":696.955,"end":710.33},{"sentences":[{"text":"But I've got some great mortgage brokers that we have access to, and Fabian's one of those.","start":710.70996,"end":714.98505,"sentiment":"positive","sentiment_score":0.5919330418109894},{"text":"If you wanted me","start":714.98505,"end":715.78503,"sentiment":"positive","sentiment_score":0.43514539301395416}],"sentiment":"positive","sentiment_score":0.5620687277544112,"channel":0,"num_words":21,"start":710.70996,"end":715.78503},{"sentences":[{"text":"Mhmm.","start":715.69,"end":716.19,"sentiment":"positive","sentiment_score":0.3402622938156128}],"sentiment":"positive","sentiment_score":0.3402622938156128,"channel":1,"num_words":1,"start":715.69,"end":716.19},{"sentences":[{"text":"to put you in touch with him, he can have a bit of a chat about what your goals are, what you're after, see if he can help structure a loan, see what the borrowing capacity looks like, and also have a chat about the different schemes that might be out there to kinda give you a hand as well.","start":715.78503,"end":732.02,"sentiment":"positive","sentiment_score":0.420746078590552},{"text":"Because you're sort of looking to try and get into the market a bit sooner that three years, aren't you?","start":733.2,"end":738.4,"sentiment":"neutral","sentiment_score":0.29385164231061933},{"text":"You're sort of hoping to do that maybe this year.","start":738.4,"end":740.8,"sentiment":"positive","sentiment_score":0.3745077639818192},{"text":"Is that right?","start":740.8,"end":741.62,"sentiment":"neutral","sentiment_score":0.25542110204696655}],"sentiment":"positive","sentiment_score":0.3831520269634903,"channel":0,"num_words":93,"start":715.78503,"end":741.62},{"sentences":[{"text":"Well, ma'am well, I mean, we're we're tied into a one year 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yeah,","start":755.86,"end":756.9,"sentiment":"neutral","sentiment_score":0.10395628213882446}],"sentiment":"neutral","sentiment_score":0.1752873677118071,"channel":1,"num_words":29,"start":747.14,"end":756.9},{"sentences":[{"text":"Yeah.","start":756.69,"end":757.19,"sentiment":"neutral","sentiment_score":0.0960511714220047}],"sentiment":"neutral","sentiment_score":0.0960511714220047,"channel":0,"num_words":1,"start":756.69,"end":757.19},{"sentences":[{"text":"just getting past that that past the you know?","start":756.9,"end":759.475,"sentiment":"neutral","sentiment_score":0.04255359247326851},{"text":"And then, obviously, to have something to pass to my son when I'm you know?","start":759.475,"end":763.415,"sentiment":"neutral","sentiment_score":0.07336943422754606}],"sentiment":"neutral","sentiment_score":0.06181349356969198,"channel":1,"num_words":24,"start":756.9,"end":763.415},{"sentences":[{"text":"Yeah.","start":764.69,"end":765.19,"sentiment":"neutral","sentiment_score":0.07418785989284515}],"sentiment":"neutral","sentiment_score":0.07418785989284515,"channel":0,"num_words":1,"start":764.69,"end":765.19},{"sentences":[{"text":"So yeah.","start":766.915,"end":767.815,"sentiment":"neutral","sentiment_score":0.07347628101706505}],"sentiment":"neutral","sentiment_score":0.07347628101706505,"channel":1,"num_words":2,"start":766.915,"end":767.815},{"sentences":[{"text":"Yeah.","start":767.64996,"end":768.14996,"sentiment":"neutral","sentiment_score":0.0909394845366478}],"sentiment":"neutral","sentiment_score":0.0909394845366478,"channel":0,"num_words":1,"start":767.64996,"end":768.14996},{"sentences":[{"text":"That sort of 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everyone wants to do this, but if your son was maybe wanting to look at investing and, you know, helping you to build something that would become, you know, his inheritance later down the track, if","start":785.69,"end":802.285,"sentiment":"neutral","sentiment_score":0.1407116618083448}],"sentiment":"neutral","sentiment_score":0.13841379638396056,"channel":0,"num_words":51,"start":784.57,"end":802.285},{"sentences":[{"text":"Mhmm.","start":802.26,"end":802.76,"sentiment":"neutral","sentiment_score":0.07251495122909546}],"sentiment":"neutral","sentiment_score":0.07251495122909546,"channel":1,"num_words":1,"start":802.26,"end":802.76},{"sentences":[{"text":"he's working and he's 30 and he's a non dependent, then you might be able to do a joint loan with him.","start":802.285,"end":808.685,"sentiment":"neutral","sentiment_score":0.16606234217231924},{"text":"It utilizes his income, and it income, and it means that the loan, you know, you can have the loan sort of set up in different 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Fabian.","start":932.56,"end":937.06,"sentiment":"neutral","sentiment_score":0.0974943838082254}],"sentiment":"neutral","sentiment_score":0.2663927082903683,"channel":0,"num_words":32,"start":928.48,"end":937.06},{"sentences":[{"text":"Yes.","start":937.945,"end":938.445,"sentiment":"neutral","sentiment_score":0.26754429936408997}],"sentiment":"neutral","sentiment_score":0.26754429936408997,"channel":1,"num_words":1,"start":937.945,"end":938.445},{"sentences":[{"text":"We could you can have that conversation with the mortgage broker, how get him to structure what that looks like for you between yourself and Casey and see if that would give you guys a bit of a helping hand.","start":938.155,"end":949.515,"sentiment":"neutral","sentiment_score":0.2740740872919559},{"text":"Does that sound 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track.","start":961.11005,"end":973.265,"sentiment":"neutral","sentiment_score":0.1630216291060253}],"sentiment":"neutral","sentiment_score":0.15538844783548955,"channel":0,"num_words":54,"start":959.43,"end":973.265},{"sentences":[{"text":"Mhmm.","start":972.93,"end":973.43,"sentiment":"neutral","sentiment_score":0.05163013935089111}],"sentiment":"neutral","sentiment_score":0.05163013935089111,"channel":1,"num_words":1,"start":972.93,"end":973.43},{"sentences":[{"text":"But I just sort of think maybe this might give you a a an option to get into the market sooner 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just gonna take I've been able to take a bunch of clients because I've been an adviser for a bit longer now.","start":1158.36,"end":1162.76,"sentiment":"neutral","sentiment_score":0.2276852513137071},{"text":"So I've been able to take a bunch of clients and kind of make my own little book.","start":1162.76,"end":1166.445,"sentiment":"neutral","sentiment_score":0.2391174402501848},{"text":"So, I mean, my","start":1166.5249,"end":1167.325,"sentiment":"neutral","sentiment_score":0.2310258336365223}],"sentiment":"neutral","sentiment_score":0.23512366160433343,"channel":0,"num_words":47,"start":1156.36,"end":1167.325},{"sentences":[{"text":"Cool.","start":1166.985,"end":1167.485,"sentiment":"neutral","sentiment_score":0.2622987926006317}],"sentiment":"neutral","sentiment_score":0.2622987926006317,"channel":1,"num_words":1,"start":1166.985,"end":1167.485},{"sentences":[{"text":"team can focus on things a little bit deeply for you, give you a a different level of service, and really look at 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of your super,","start":1185.54,"end":1189.9601,"sentiment":"neutral","sentiment_score":0.15960635410414803}],"sentiment":"neutral","sentiment_score":0.14860982883994173,"channel":0,"num_words":41,"start":1180.26,"end":1189.9601},{"sentences":[{"text":"Yep.","start":1190.4651,"end":1190.9651,"sentiment":"neutral","sentiment_score":0.15541225671768188}],"sentiment":"neutral","sentiment_score":0.15541225671768188,"channel":1,"num_words":1,"start":1190.4651,"end":1190.9651},{"sentences":[{"text":"and then we can always update advice as needed as well.","start":1190.74,"end":1193.9401,"sentiment":"neutral","sentiment_score":0.17072169889103284},{"text":"And if you need me in the mean time, you're welcome to let me know.","start":1193.9401,"end":1196.875,"sentiment":"neutral","sentiment_score":0.15128560711940128},{"text":"Give my team a call.","start":1196.875,"end":1198.155,"sentiment":"neutral","sentiment_score":0.16657329201698304},{"text":"My name is Dana, and I'll make sure I book you in at any time that suits you.","start":1198.155,"end":1202.495,"sentiment":"neutral","sentiment_score":0.15109377809696728}],"sentiment":"neutral","sentiment_score":0.15713831143719809,"channel":0,"num_words":49,"start":1190.74,"end":1202.495},{"sentences":[{"text":"Excellent.","start":1202.52,"end":1203.02,"sentiment":"neutral","sentiment_score":0.31245988607406616}],"sentiment":"neutral","sentiment_score":0.31245988607406616,"channel":1,"num_words":1,"start":1202.52,"end":1203.02},{"sentences":[{"text":"Okay?","start":1202.635,"end":1203.135,"sentiment":"neutral","sentiment_score":0.12900593876838684}],"sentiment":"neutral","sentiment_score":0.12900593876838684,"channel":0,"num_words":1,"start":1202.635,"end":1203.135},{"sentences":[{"text":"Is that is that this number, this 36679841?","start":1204.36,"end":1208.62,"sentiment":"neutral","sentiment_score":0.05807480635121465}],"sentiment":"neutral","sentiment_score":0.05807480635121465,"channel":1,"num_words":8,"start":1204.36,"end":1208.62},{"sentences":[{"text":"Yep.","start":1209.7,"end":1210.1,"sentiment":"neutral","sentiment_score":0.04025498032569885},{"text":"Yeah.","start":1210.1,"end":1210.26,"sentiment":"neutral","sentiment_score":0.04825598746538162},{"text":"That's one","start":1210.26,"end":1210.6599,"sentiment":"neutral","sentiment_score":0.052886225283145905}],"sentiment":"neutral","sentiment_score":0.04857085458934307,"channel":0,"num_words":4,"start":1209.7,"end":1210.6599},{"sentences":[{"text":"Yep.","start":1210.6,"end":1211.1,"sentiment":"neutral","sentiment_score":0.06470207870006561}],"sentiment":"neutral","sentiment_score":0.06470207870006561,"channel":1,"num_words":1,"start":1210.6,"end":1211.1},{"sentences":[{"text":"of our phone numbers.","start":1210.6599,"end":1211.46,"sentiment":"neutral","sentiment_score":0.058388992212712765},{"text":"We do call off a couple of them, but this is definitely one of the ones that you can save for us.","start":1211.46,"end":1216.26,"sentiment":"neutral","sentiment_score":0.12047187780792062},{"text":"Yeah.","start":1216.26,"end":1216.76,"sentiment":"neutral","sentiment_score":0.0786239355802536}],"sentiment":"neutral","sentiment_score":0.10972448948908735,"channel":0,"num_words":27,"start":1210.6599,"end":1216.76},{"sentences":[{"text":"Oh, cool.","start":1217.16,"end":1217.8201,"sentiment":"neutral","sentiment_score":0.18629273027181625},{"text":"Thank","start":1218.04,"end":1218.465,"sentiment":"neutral","sentiment_score":0.2505972683429718}],"sentiment":"neutral","sentiment_score":0.20772757629553476,"channel":1,"num_words":3,"start":1217.16,"end":1218.465},{"sentences":[{"text":"Yeah.","start":1219.22,"end":1219.72,"sentiment":"neutral","sentiment_score":0.20184019207954407},{"text":"That's okay.","start":1220.1799,"end":1221.08,"sentiment":"neutral","sentiment_score":0.1867106929421425},{"text":"Well, I'll get this referral out.","start":1221.14,"end":1223.1599,"sentiment":"neutral","sentiment_score":0.2880612189571063},{"text":"And, yeah, have a really good chat to Fabian and his team.","start":1223.535,"end":1226.0951,"sentiment":"positive","sentiment_score":0.47250547756751377},{"text":"They are fantastic.","start":1226.0951,"end":1227.0751,"sentiment":"positive","sentiment_score":0.8253745834032694}],"sentiment":"positive","sentiment_score":0.4354090988636017,"channel":0,"num_words":24,"start":1219.22,"end":1227.0751},{"sentences":[{"text":"I've referred quite a lot of clients to them, and they've done some really good things.","start":1227.135,"end":1230.5951,"sentiment":"positive","sentiment_score":0.6787251010537148}],"sentiment":"positive","sentiment_score":0.6787251010537148,"channel":0,"num_words":16,"start":1227.135,"end":1230.5951},{"sentences":[{"text":"you.","start":1230.465,"end":1230.965,"sentiment":"neutral","sentiment_score":0.1578586995601654},{"text":"Right.","start":1231.105,"end":1231.605,"sentiment":"neutral","sentiment_score":0.003222322091460228}],"sentiment":"neutral","sentiment_score":0.08054051082581282,"channel":1,"num_words":2,"start":1230.465,"end":1231.605},{"sentences":[{"text":"Unfortunately, with advisers, we are limited around the lending side of space on what we can advise on without having a credit license.","start":1231.535,"end":1237.7151,"sentiment":"neutral","sentiment_score":-0.13555380928775537},{"text":"This is where having a really good mortgage broker can be really beneficial for","start":1237.82,"end":1241.34,"sentiment":"neutral","sentiment_score":0.039395587252719064}],"sentiment":"neutral","sentiment_score":-0.06935674032649479,"channel":0,"num_words":37,"start":1231.535,"end":1241.34},{"sentences":[{"text":"Yes.","start":1241.12,"end":1241.62,"sentiment":"neutral","sentiment_score":0.0054034702479839325}],"sentiment":"neutral","sentiment_score":0.0054034702479839325,"channel":1,"num_words":1,"start":1241.12,"end":1241.62},{"sentences":[{"text":"you.","start":1241.34,"end":1241.82,"sentiment":"neutral","sentiment_score":0.017042767256498337},{"text":"Okay?","start":1241.82,"end":1242.32,"sentiment":"neutral","sentiment_score":0.02474077418446541}],"sentiment":"neutral","sentiment_score":0.020891770720481873,"channel":0,"num_words":2,"start":1241.34,"end":1242.32},{"sentences":[{"text":"Yep.","start":1242.08,"end":1242.58,"sentiment":"neutral","sentiment_score":0.042879607528448105}],"sentiment":"neutral","sentiment_score":0.042879607528448105,"channel":1,"num_words":1,"start":1242.08,"end":1242.58},{"sentences":[{"text":"Yeah.","start":1243.1,"end":1243.6,"sentiment":"neutral","sentiment_score":0.14465230703353882}],"sentiment":"neutral","sentiment_score":0.14465230703353882,"channel":0,"num_words":1,"start":1243.1,"end":1243.6},{"sentences":[{"text":"Fantastic.","start":1243.2001,"end":1243.7001,"sentiment":"positive","sentiment_score":0.477469801902771},{"text":"Okay.","start":1244.08,"end":1244.58,"sentiment":"neutral","sentiment_score":0.2887214422225952}],"sentiment":"positive","sentiment_score":0.3830956220626831,"channel":1,"num_words":2,"start":1243.2001,"end":1244.58},{"sentences":[{"text":"Be beautiful.","start":1244.54,"end":1246.0,"sentiment":"neutral","sentiment_score":0.30873158015310764},{"text":"Oh, I'll get that email shortly, and then you'll also see me in that email sending it out.","start":1246.22,"end":1250.86,"sentiment":"neutral","sentiment_score":0.24895621008343166},{"text":"So you can keep my email address and shoot me back","start":1250.86,"end":1253.205,"sentiment":"neutral","sentiment_score":0.326089699159969}],"sentiment":"neutral","sentiment_score":0.2801826333086337,"channel":0,"num_words":31,"start":1244.54,"end":1253.205},{"sentences":[{"text":"All","start":1253.1749,"end":1253.415,"sentiment":"positive","sentiment_score":0.33895573019981384}],"sentiment":"positive","sentiment_score":0.33895573019981384,"channel":1,"num_words":1,"start":1253.1749,"end":1253.415},{"sentences":[{"text":"anything","start":1253.205,"end":1253.6849,"sentiment":"positive","sentiment_score":0.5692734122276306}],"sentiment":"positive","sentiment_score":0.5692734122276306,"channel":0,"num_words":1,"start":1253.205,"end":1253.6849},{"sentences":[{"text":"good.","start":1253.415,"end":1253.915,"sentiment":"positive","sentiment_score":0.4783676266670227}],"sentiment":"positive","sentiment_score":0.4783676266670227,"channel":1,"num_words":1,"start":1253.415,"end":1253.915},{"sentences":[{"text":"that you need as well.","start":1253.6849,"end":1254.985,"sentiment":"positive","sentiment_score":0.3755307853221893},{"text":"Okay?","start":1255.205,"end":1255.705,"sentiment":"neutral","sentiment_score":0.15828102827072144}],"sentiment":"positive","sentiment_score":0.339322492480278,"channel":0,"num_words":6,"start":1253.6849,"end":1255.705},{"sentences":[{"text":"Okay.","start":1255.255,"end":1255.735,"sentiment":"neutral","sentiment_score":0.3043665587902069},{"text":"Great.","start":1255.735,"end":1256.235,"sentiment":"positive","sentiment_score":0.7684966325759888}],"sentiment":"positive","sentiment_score":0.5364315956830978,"channel":1,"num_words":2,"start":1255.255,"end":1256.235},{"sentences":[{"text":"Yeah.","start":1255.9249,"end":1256.4249,"sentiment":"positive","sentiment_score":0.6572390198707581}],"sentiment":"positive","sentiment_score":0.6572390198707581,"channel":0,"num_words":1,"start":1255.9249,"end":1256.4249},{"sentences":[{"text":"Thank you.","start":1256.295,"end":1257.195,"sentiment":"positive","sentiment_score":0.8599312007427216}],"sentiment":"positive","sentiment_score":0.8599312007427216,"channel":1,"num_words":2,"start":1256.295,"end":1257.195},{"sentences":[{"text":"My pleasure, Kerry.","start":1258.485,"end":1259.605,"sentiment":"positive","sentiment_score":0.8563462893168131},{"text":"I hope you have a really good afternoon.","start":1259.605,"end":1261.465,"sentiment":"positive","sentiment_score":0.8456432819366455}],"sentiment":"positive","sentiment_score":0.8485622839494185,"channel":0,"num_words":11,"start":1258.485,"end":1261.465},{"sentences":[{"text":"You too.","start":1262.2208,"end":1262.7809,"sentiment":"positive","sentiment_score":0.6321808695793152},{"text":"Thanks a 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from Oakview Financial calls a customer named Kerry to discuss their retirement plans and savings goals. The representative explains a plan to save $12,000 on a weekly basis with a 5% deposit and a transit retirement strategy. They also discuss a plan to boost the speaker's super balance and suggest referring them to a mortgage broker. The agent explains the process of referring clients to a mortgage broker for a referral and offers to send a referral to Fabian. The agent will update the customer on their progress and send an email with information on referral and coaching."},"intents":{"segments":[{"text":"So currently, I'm putting a $120 a week away to savings.","start_word":408,"end_word":418,"intents":[{"intent":"Relocate loan amount","confidence_score":0.0000027366368}]},{"text":"So currently, I'm putting a $120 a week away to savings. Yes.","start_word":408,"end_word":419,"intents":[{"intent":"Update savings and start point","confidence_score":0.000017102908}]},{"text":"when you're looking at lenders, they wanna sort of look for an exit strategy. What happens if you can't repay if you decide to retire? How do they, you know, how do you finalize the loan? Yes.","start_word":578,"end_word":614,"intents":[{"intent":"Understand mortgage repayment process","confidence_score":0.000025474343}]},{"text":"How do they, you know, how do you finalize the loan? Yes.","start_word":603,"end_word":614,"intents":[{"intent":"Finalize loan","confidence_score":0.5802355}]},{"text":"Over the course of one year, if you are able to once all of that is good, you've got that free and clear, saving all of that together over twelve months gives you about $12,370. Yes.","start_word":688,"end_word":723,"intents":[{"intent":"Provide savings estimates","confidence_score":0.00049836206}]},{"text":"Realistically, if you get into the property market, you can do it with, say, a 5% deposit. So Yes.","start_word":731,"end_word":749,"intents":[{"intent":"Understand deposit requirements","confidence_score":0.0013924199}]},{"text":"what a house price is sort of looking like around your area basis at the moment.","start_word":750,"end_word":765,"intents":[{"intent":"Confirm house price","confidence_score":0.0007656628},{"intent":"Confirm house price","confidence_score":0.0813433}]},{"text":"what a house price is sort of looking like around your area basis at the moment. So do what we look like, we just need a little I just want something little for mom and I. So, you know, what we're looking Yeah. at here in Springfield is this little three bedroom, two two bath, single garage, sort of looking at it in the high 7 hundreds. Okay.","start_word":750,"end_word":817,"intents":[{"intent":"Plan house price","confidence_score":0.033683475}]},{"text":"over the course of two years, about $379 per week would essentially get you saving that amount to give you a 55% deposit over the course of two years. Does Yeah.","start_word":976,"end_word":1006,"intents":[{"intent":"Predict saving amount","confidence_score":0.00039378513}]},{"text":"The the other sort of thing and because you are 57, you are closer to, obviously, the age of 60. And even if you start working, the other sort of strategy we have that we could maybe look at when you're close to 60 is, when you get to that point, we actually have these really cool kind of strategies where you can access a part of your super if you want to.","start_word":1139,"end_word":1211,"intents":[{"intent":"Provide advice on strategy","confidence_score":0.002407668}]},{"text":"to put you in touch with him, he can have a bit of a chat about what your goals are, what you're after, see if he can help structure a loan, see what the borrowing capacity looks like, and also have a chat about the different schemes that might be out there to kinda give you a hand as well.","start_word":1884,"end_word":1943,"intents":[{"intent":"Discuss borrowing capacity","confidence_score":0.014898673},{"intent":"Discuss loan structure","confidence_score":0.15436235}]},{"text":"Because you're sort of looking to try and get into the market a bit sooner that three years, aren't you?","start_word":1944,"end_word":1963,"intents":[{"intent":"Discuss options for entering market","confidence_score":0.000013778056}]},{"text":"of the idea is to sort of, you know, by the end of this lease, possibly move into something where we wouldn't have to ever move again. Like, yeah, Yeah.","start_word":1996,"end_word":2025,"intents":[{"intent":"Discuss potential moves to future","confidence_score":0.00003254121}]},{"text":"The other thing is is your son just having a quick look at your last back find there. I can see you've got one child. Is he a minor? Is he 18 or over 18? No.","start_word":2058,"end_word":2093,"intents":[{"intent":"Discuss son's income","confidence_score":0.028932389}]},{"text":"Is he a minor? Is he 18 or over 18?","start_word":2083,"end_word":2092,"intents":[{"intent":"Discuss son's age","confidence_score":0.5622968},{"intent":"Discuss son's age","confidence_score":0.29704222}]},{"text":"I could do a bit of research, but I think probably what would be honestly best for you is if I send the referral through to Fabian and get Fabian and his team to give you a call, Yes. and they can have a chat about what you're after, look at the different options available to you, look at what grants you may or may not be able to, you know, work Yes.","start_word":2386,"end_word":2458,"intents":[{"intent":"Request a call for advice","confidence_score":7.836792e-7}]},{"text":"The email I send out is to you and to him. So it's basically introducing you to Fabian, Fabian to yourself. I just need to give him your name, phone number, sometimes your email address as well. Just Yes.","start_word":2877,"end_word":2915,"intents":[{"intent":"Contact farbians","confidence_score":1.3367492e-7}]},{"text":"And, yeah, then he'll give you a call at the specified time and have a chat about what your goals are, look at servicing, look at what properties there are, look at, you know, any other options that you might have.","start_word":2982,"end_word":3022,"intents":[{"intent":"Discuss services","confidence_score":0.03208148}]},{"text":"But the lending side of things, I think a mortgage broker is your best friend. They not only have the big four banks. They also have other tier lenders, and they Yes. can get access to some really great information for you lending lending wise. So yeah.","start_word":3022,"end_word":3068,"intents":[{"intent":"Consider properties","confidence_score":0.000024850186},{"intent":"Discuss lending options","confidence_score":0.027668132}]},{"text":"We can look at cash on budgeting and advice and sort of look at how else we can maybe help you down the track. Okay?","start_word":3153,"end_word":3177,"intents":[{"intent":"Discuss cash budgeting","confidence_score":0.07193145},{"intent":"Discuss financial advice","confidence_score":0.07494468}]},{"text":"So did you want my team to do catch ups with you every sort of three months, months, or twelve months? How often would you like someone to touch base with you and have a chat to you about your goals and your super and everything else? Actually, probably yeah.","start_word":3311,"end_word":3360,"intents":[{"intent":"Discuss hang ups","confidence_score":0.0006215092}]},{"text":"Every three months would probably be alright. Yeah. Beautiful. Well, Keep I'll track start on that where in to three look. months.","start_word":3362,"end_word":3383,"intents":[{"intent":"Track progress","confidence_score":0.6398471}]},{"text":"I'm just gonna take I've been able to take a bunch of clients because I've been an adviser for a bit longer now. So I've been able to take a bunch of clients and kind of make my own little book.","start_word":3387,"end_word":3427,"intents":[{"intent":"Take clients","confidence_score":0.43591464}]},{"text":"You're one of those that's getting closer to those your time at years, and we wanna make sure your super is working harder for you.","start_word":3458,"end_word":3482,"intents":[{"intent":"Fix super","confidence_score":0.07892189}]},{"text":"Yes.","start_word":3483,"end_word":3483,"intents":[{"intent":"Reassure client","confidence_score":0.000112187634}]},{"text":"So I will get my team to touch base in about three months to do a bit of a catch up with you. We'll reassess your goals, look at what's happening, go through a nice date to either of your super, Yep.","start_word":3484,"end_word":3525,"intents":[{"intent":"Catch up","confidence_score":0.12362379}]},{"text":"We do call off a couple of them, but this is definitely one of the ones that you can save for us. Yeah.","start_word":3594,"end_word":3616,"intents":[{"intent":"Save resources","confidence_score":0.0053852713}]},{"text":"Thank Yeah. That's okay. Well, I'll get this referral out. And, yeah, have a really good chat to Fabian and his team. They are fantastic. I've referred quite a lot of clients to them, and they've done some really good things. you.","start_word":3619,"end_word":3660,"intents":[{"intent":"Express gratitude","confidence_score":0.0034371954}]},{"text":"Well, I'll get this referral out. And, yeah, have a really good chat to Fabian and his team. They are fantastic. I've referred quite a lot of clients to them, and they've done some really good things. you.","start_word":3623,"end_word":3660,"intents":[{"intent":"Refer to fabian","confidence_score":0.0056570573}]},{"text":"I hope you have a really good afternoon. You too. Thanks a lot. Thanks. See you later. Bye. Bye.","start_word":3754,"end_word":3772,"intents":[{"intent":"Availability","confidence_score":0.00021774782}]}]},"sentiments":{"segments":[{"text":"Hello? Hi, Kerry. This is Dana from Oakview Financial. How are you today? I'm well. How are you?","start_word":0,"end_word":17,"sentiment":"neutral","sentiment_score":0.1777457594871521},{"text":"I'm very well. Thank you.","start_word":18,"end_word":22,"sentiment":"positive","sentiment_score":0.5194050073623657},{"text":"I had you booked in for a bit of a conversation. I'm speaking to new advice. Is now still a good time there for you? Yeah. That's fine. Yep.","start_word":23,"end_word":51,"sentiment":"neutral","sentiment_score":0.1900324374437332},{"text":"Fantastic.","start_word":52,"end_word":52,"sentiment":"positive","sentiment_score":0.626186728477478},{"text":"Carrie, just before we jump into the call, just to let you know we do record our calls for quality and training purposes. Are you happy for me to proceed with that? Yeah. That's fine.","start_word":53,"end_word":87,"sentiment":"neutral","sentiment_score":0.19658660888671875},{"text":"Fantastic.","start_word":88,"end_word":88,"sentiment":"positive","sentiment_score":0.5101161003112793},{"text":"And just to do security, we are discussing your personal information. So I'll just get you to confirm your full name, your date of birth, and address I should have on file. Oh, it's Carrie Ann Brooks. Yep. 80369. Yes. And I may have updated the address when I was speaking to the lady the other day. So Yes. 16 Greenleaf Avenue, Springfield Lakes. That's the one I have here.","start_word":89,"end_word":158,"sentiment":"neutral","sentiment_score":0.0779447853565216},{"text":"Thank you so much for that.","start_word":159,"end_word":164,"sentiment":"positive","sentiment_score":0.3812604248523712},{"text":"And that's the updated address we should have? Yes. Yes. Yes. Yeah. We've Perfect. only just moved. Yeah. Mhmm. Oh, fantastic. I do see here on the note, one of the things you wanted talk about was trying to, I believe, find your forever home. So stop strategies to stop the renting cycle and gain long term secure accommodation. Is that sort of what you're after for the moment? Or Yeah. I was hoping to sort of see if there's anything I could do there. But yeah. Because everything I sort of look into, I've I don't sort of see a way to get to that. yes. Yeah. So when we sort of look at those things, strategies that I can sort of help you with as a financial adviser is maybe looking at your cash flow and budgeting, giving you ideas on how you might be able to structure your budget to be able to save a bit more money. I can see here from your last that's fine completed with the girls in January. You're saving or we're saving about $200 per week. Are you still managing to save that kind of the those funds? No. That has just changed. Yes. Yeah. No. Because I started at a gym membership, and Okay. So that's taking $49 a week now. Yep. Now I just redid my just trying to find my notebook. I just redid my budget the other day. Yes. Yes. So currently, I'm putting a $120 a week away to savings. Yes. And then once this gym membership finished in August, I'll be able to put $45.90 a week back towards that. Mhmm. And my car I will own my car from July 13, so there's $72 a week I'll be able to put back towards that from Okay. that as well. Yeah.","start_word":165,"end_word":470,"sentiment":"neutral","sentiment_score":0.03508978321223088},{"text":"Perfect. So So it yeah. looks So like that's a good yeah. definitely a good starting point.","start_word":471,"end_word":487,"sentiment":"positive","sentiment_score":0.6450023651123047},{"text":"Yeah. Because the biggest thing is and the hardest thing, especially with where you're at in the know because have you looked you're 57 years of age now, aren't you? Yes. Yes. So, realistically, time horizon wise, you don't have, you know, a long time to be able to put the money away to save long term to be able to buy a property because borrowing capacity kind of does get a bit harder when you sort of hit those into the sixty year sixties and seventies just because Yes. when you're looking at lenders, they wanna sort of look for an exit strategy. What happens if you can't repay if you decide to retire? How do they, you know, how do you finalize the loan? Yes. And property prices are pretty extreme these days as well, aren't they? No. It's sort of pushing it further and further out of out of rates, really. Yeah. It is very, very difficult. But with that there, so that's 75, $45.90, and then we've got a 120 currently. So once all of that is good, you do have a good $2.37 90 that you're able to save essentially on a weekly basis. Yes. Over the course of one year, if you are able to once all of that is good, you've got that free and clear, saving all of that together over twelve months gives you about $12,370. Yes.","start_word":488,"end_word":723,"sentiment":"neutral","sentiment_score":-0.01744907908141613},{"text":"So that isn't bad to start with.","start_word":724,"end_word":730,"sentiment":"positive","sentiment_score":0.45977893471717834},{"text":"Realistically, if you get into the property market, you can do it with, say, a 5% deposit. So Yes. what a house price is sort of looking like around your area basis at the moment. So do what we look like, we just need a little I just want something little for mom and I. So, you know, what we're looking Yeah. at here in Springfield is this little three bedroom, two two bath, single garage, sort of looking at it in the high 7 hundreds. Okay. Yeah. So if we say sort of aim it on to be say, we'll aim it on, say, 790,000. Yeah. Yeah. So, realistically, you're aiming to try and get a deposit at 5% on 790,000 of about 39,500. If you Yeah. were to try and do that over the course of twelve months, on a weekly basis, you would need to save about 759 to $760 on a weekly basis, which is quite tight. If you were to sort of try and structure that over two years, and that sort of brings you out closer to 60, Yes. to get 5% there, you would need to sorry. I'm just doing some really quick math, but I'm making sure I'm doing it properly for you as well. But That one there. Divide that by so 24. That's a 152, 100 for four yeah. weeks. Beautiful. Sorry. My thing is a little bit hard later in the day. So Mhmm. over the course of two years, about $379 per week would essentially get you saving that amount to give you a 55% deposit over the course of two years. Does Yeah. that kinda sound like something that's doable for you, or is that kind of a little bit too far fetched? Or how does that kinda sound so far? Another 140 on top of what I'm managing to put aside now. Yeah. But then, you know, like because that's that's the concern is that's two two years away to save that deposit, which then Correct. the half which this half is probably gonna be, you're probably looking at 890,000 Yeah. to buy a That house. is You the downside. know? Yeah. So Yeah. Absolutely. trying to reach that 5 to pay percent deposit before the value of the homes you you're looking at to buy go up. It's just yeah. Yeah. No.","start_word":731,"end_word":1127,"sentiment":"neutral","sentiment_score":0.05541760330874313},{"text":"I really It is I really difficult. don't think it's achievable.","start_word":1128,"end_word":1138,"sentiment":"negative","sentiment_score":-0.4830069243907929},{"text":"The the other sort of thing and because you are 57, you are closer to, obviously, the age of 60. And even if you start working, the other sort of strategy we have that we could maybe look at when you're close to 60 is, when you get to that point, we actually have these really cool kind of strategies where you can access a part of your super if you want to. So it's called a transit retirement strategy, and I'm just having a quick look at your super to see sort of where your balance is. So your balance at the moment is about 233,000 there. So you can't do this until you turn 60. But at the age of 60, we can take anything we have to leave $1,010,000 in an accumulation in your super account, but we can transfer the rest of the funds into what's called a transition to retirement pension account. Once the funds are in that account, we can then draw down per financial year 10%. So to give you an idea of how this strategy might work on your current balance there, you've got a current balance at 233,304. We have to leave 10,000 behind in super, which leaves a a transfer balance of 223,304. As much as I know property prices could go up in that time and be a little bit more, if you then sort of were to transfer that full amount into the TCR, you can then access 10% per financial year. So 10% of that times that is going to give you about 22,330. It's not as much as sort of that 5% deposit based on that sort of $79,800,000, but it is also giving you a lump sum without having to add into your budget. That is unfortunately still three years away to access under that sort of a strategy, but it does also give you just another option.","start_word":1139,"end_word":1461,"sentiment":"neutral","sentiment_score":0.19585655629634857},{"text":"And if we look at boosting your super, maybe putting some more money in there, that there's that option.","start_word":1462,"end_word":1480,"sentiment":"positive","sentiment_score":0.4454425871372223},{"text":"You have you ever owned a home before? Would you be a first home buyer? No. I did we did buy a home. I think it was thirty years ago, but it we've sold we've sold that. Okay. Yeah. Because you have owned a home even thirty years ago, it doesn't sort of qualify for the first home buyer super scheme.","start_word":1481,"end_word":1541,"sentiment":"neutral","sentiment_score":-0.009435506201669818},{"text":"But even that is another good way. You know, we could have been putting more money in the super utilizing that as your savings scheme and then drawing that back down when you need the deposit to do so. We can still do it that way, and you'd without using the first time super saver scheme, be putting more money into super to boost your balance as high as possible.","start_word":1542,"end_word":1611,"sentiment":"positive","sentiment_score":0.5178367495536804},{"text":"So in three years, you can do that TTR strategy and draw money out to give you that 5% deposit, but it still sort of comes down to you're still gonna have quite a large loan there. How long are you planning to work for, and does a thirty year loan sort of work for you when you hit 60 years of age? Yeah. Yeah. Yeah. No. It's sort of yeah. That's why it all comes into it, doesn't it? It does. Yeah. Definitely. So, I mean, it's definitely not unachievable.","start_word":1612,"end_word":1702,"sentiment":"neutral","sentiment_score":0.13153301179409027},{"text":"It can be done.","start_word":1703,"end_word":1706,"sentiment":"positive","sentiment_score":0.4994560182094574},{"text":"It just comes down to what your preference is, how much you'll need to borrow, how much, you know, you you'll have as a deposit there. Have you spoken to any mortgage brokers and had a chat about what your borrowing capacity might look like now and what other access to government schemes you may have for, say, boosting a deposit and things like that. No. I haven't. But I was thinking I just a girl a friend did give me the name of a mortgage broker that she's used in the past. But, yeah, it's just trying Yeah. it's just finding one that that would be best to contact. Yeah. Yeah. We do have mortgage brokers that we can refer you through to. Our sort of referral system and they're completely free to yourself. It's all part of our services. The mortgage brokers are paid by the the lenders that they write loans for.","start_word":1707,"end_word":1861,"sentiment":"neutral","sentiment_score":0.10733091086149216},{"text":"But I've got some great mortgage brokers that we have access to, and Fabian's one of those. If you wanted me Mhmm. to put you in touch with him, he can have a bit of a chat about what your goals are, what you're after, see if he can help structure a loan, see what the borrowing capacity looks like, and also have a chat about the different schemes that might be out there to kinda give you a hand as well.","start_word":1862,"end_word":1943,"sentiment":"positive","sentiment_score":0.461225301027298},{"text":"Because you're sort of looking to try and get into the market a bit sooner that three years, aren't you?","start_word":1944,"end_word":1963,"sentiment":"neutral","sentiment_score":0.2931302785873413},{"text":"You're sort of hoping to do that maybe this year.","start_word":1964,"end_word":1973,"sentiment":"positive","sentiment_score":0.364827573299408},{"text":"Is that right? Well, ma'am well, I mean, we're we're tied into a one year lease. But, yeah, it was sort Yep. of the idea is to sort of, you know, by the end of this lease, possibly move into something where we wouldn't have to ever move again. Like, yeah, Yeah. just getting past that that past the you know? And then, obviously, to have something to pass to my son when I'm you know? Yeah. So yeah. Yeah. That sort of thing. The other thing is is your son just having a quick look at your last back find there. I can see you've got one child. Is he a minor? Is he 18 or over 18? No. He's 30. He'll be 30 this year. Yes. Okay. So there is maybe another option where depending on your circumstances, and not everyone wants to do this, but if your son was maybe wanting to look at investing and, you know, helping you to build something that would become, you know, his inheritance later down the track, if Mhmm. he's working and he's 30 and he's a non dependent, then you might be able to do a joint loan with him. It utilizes his income, and it income, and it means that the loan, you know, you can have the loan sort of set up in different ways. And I think the mortgage brokers would be the best person to have this conversation with to really look at how to structure the loan. But if your son was open to it, had borrowing capacity with you, you could have a joint loan by the property together. You live in the property, and it becomes his inheritance down the track. Yeah. Yeah. There could be a way of structuring it that way if you're sort of open to doing something like that. Would that sound okay?","start_word":1974,"end_word":2288,"sentiment":"neutral","sentiment_score":0.14799266178456563},{"text":"Yeah. That would sound cool. I think he'd be happy with that.","start_word":2289,"end_word":2300,"sentiment":"positive","sentiment_score":0.615441083908081},{"text":"But so would he Yes. would we be able to access our first time loan? Because he wouldn't be a first time loan. Like, he hasn't bought a home before. Right. So I do I'm not a 100% sure on that one. I'm pretty sure he should be eligible for it, but I don't know how the loan would have to be structured. I honestly Yes. that sort of thing would come down to a mortgage broker giving you the right information. Yes. Yes. Yes. I could do a bit of research, but I think probably what would be honestly best for you is if I send the referral through to Fabian and get Fabian and his team to give you a call, Yes. and they can have a chat about what you're after, look at the different options available to you, look at what grants you may or may not be able to, you know, work Yes. out. Feel I would probably, you know, suggest also having a chat to your son and seeing if it's something he would like to do because most most of us wanna have investment properties and whatnot like that. And I've I've bought an investment property which my kids are living in at the moment. So, Yes. Yes.","start_word":2301,"end_word":2515,"sentiment":"neutral","sentiment_score":0.1463935822248459},{"text":"you know, it it's definitely something that we wanna do as adults to help our children, but this would give him a head start at, you know, getting into the property market and getting an investment for down the track, but then also allowing you to reside and that you don't have to move on a regular basis. The loan is kind of part and part for you and him, Yes. Yes. and it becomes an inheritance down the track and gets you out into the market now.","start_word":2516,"end_word":2603,"sentiment":"positive","sentiment_score":0.40209245681762695},{"text":"So if you're open to me doing that referral, I could send that through to Fabian. Yes. We could you can have that conversation with the mortgage broker, how get him to structure what that looks like for you between yourself and Casey and see if that would give you guys a bit of a helping hand. Does that sound okay?","start_word":2604,"end_word":2664,"sentiment":"neutral","sentiment_score":0.21823324263095856},{"text":"Yeah. That sounds great. Yeah. That'd be a good Yep. idea.","start_word":2665,"end_word":2675,"sentiment":"positive","sentiment_score":0.5635186433792114},{"text":"Yep, Toby. If there's sort of nothing else, then come back to me, and we can definitely look at cash on budgeting Mhmm. advice and things like that. And down the track, you know, there's no limit to we can always look at that PCR strategy down the track to, you know, help you to maybe tuck some lump sum money onto the property or do renovations or whatever you wanna do go wise down the track. Mhmm. But I just sort of think maybe this might give you a a an option to get into the market sooner rather Yes. than waiting for so, you know, two, three, four years down the track before you get into the market and then seeing what happens with the property market and finding it's gonna be harder and cost more. Does that sound okay to you, or do you do any qualms that come out of that? Or No. Nothing at all.","start_word":2676,"end_word":2835,"sentiment":"neutral","sentiment_score":0.0515097938477993},{"text":"No.","start_word":2836,"end_word":2836,"sentiment":"negative","sentiment_score":-0.33997559547424316},{"text":"It'd be good. Yeah. Please refer on. Mhmm. yeah. Yeah.","start_word":2837,"end_word":2846,"sentiment":"neutral","sentiment_score":0.000768201076425612},{"text":"Beautiful. Beautiful.","start_word":2847,"end_word":2848,"sentiment":"positive","sentiment_score":0.422806978225708},{"text":"Well, I just need to grab your permission to do so. So to give I just have to give some personal information to Fabian and his team. Yes. The email I send out is to you and to him. So it's basically introducing you to Fabian, Fabian to yourself. I just need to give him your name, phone number, sometimes your email address as well. Just Yes. depends on what referral information they ask. But I'll send the email out shortly for you. They then reply back to that email and Mhmm. ask the time for you to confirm when you're available. I'll Yep. let him know when you're available as well, but he does also just reply back to the email confirming it when you want availability for a contact. Yes. And, yeah, then he'll give you a call at the specified time and have a chat about what your goals are, look at servicing, look at what properties there are, look at, you know, any other options that you might have. But the lending side of things, I think a mortgage broker is your best friend. They not only have the big four banks. They also have other tier lenders, and they Yes. can get access to some really great information for you lending lending wise. So yeah. Yep. Yep. No. That'll be great. Yes. Please do that. Mhmm.","start_word":2849,"end_word":3079,"sentiment":"neutral","sentiment_score":0.11631215683051518},{"text":"Oh, fantastic. Fantastic. Well, I'll set now for you.","start_word":3080,"end_word":3088,"sentiment":"positive","sentiment_score":0.5020253658294678},{"text":"That'll Yep.","start_word":3089,"end_word":3090,"sentiment":"neutral","sentiment_score":0.2902483344078064},{"text":"come through in the next sort of fifteen minutes for you to make it nice and easier. And if anything comes out of that, I'm so happy for you.","start_word":3091,"end_word":3119,"sentiment":"positive","sentiment_score":0.6169400811195374},{"text":"If it does and if something doesn't eventuate or it's right, please come back to me and let me know what, you know, happened, and I can see what else we can do. We can look at cash on budgeting and advice and sort of look at how else we can maybe help you down the track. Okay? No problem. Yep.","start_word":3120,"end_word":3180,"sentiment":"neutral","sentiment_score":0.19951531291007996},{"text":"That'd be great.","start_word":3181,"end_word":3183,"sentiment":"positive","sentiment_score":0.4425485134124756},{"text":"Oh, beautiful. But before I do let you go, Carrie, is there anything else that you wanted to chat to me about today or ask me? Or No. No. No. That's great. No. That's everything I no? wanted to do. Yep. Yeah. Beautiful. Well, we wanna make sure that because I've sort of had a few changes in the business, and I've been able to take on a bit of a book myself of a certain amount of clients.","start_word":3184,"end_word":3262,"sentiment":"neutral","sentiment_score":0.10739390552043916},{"text":"And I've asked for you as one of my beautiful clients here.","start_word":3263,"end_word":3274,"sentiment":"positive","sentiment_score":0.3553778827190399},{"text":"And I'm just also going through and just touching base with everyone to find out how often you would like to have catch ups around your super, around looking at new advice, and things like that. So did you want my team to do catch ups with you every sort of three months, months, or twelve months? How often would you like someone to touch base with you and have a chat to you about your goals and your super and everything else? Actually, probably yeah. Every three months would probably be alright.","start_word":3275,"end_word":3367,"sentiment":"neutral","sentiment_score":0.14291542752455638},{"text":"Yeah. Beautiful.","start_word":3368,"end_word":3369,"sentiment":"positive","sentiment_score":0.5060395002365112},{"text":"Well, Keep I'll track start on that where in to three look. months. Yep. Mhmm. Yeah.","start_word":3370,"end_word":3385,"sentiment":"neutral","sentiment_score":0.1551954448223114},{"text":"Absolutely.","start_word":3386,"end_word":3386,"sentiment":"positive","sentiment_score":0.41317588090896606},{"text":"I'm just gonna take I've been able to take a bunch of clients because I've been an adviser for a bit longer now. So I've been able to take a bunch of clients and kind of make my own little book. So, I mean, my Cool. team can focus on things a little bit deeply for you, give you a a different level of service, and really look at your goals. You're one of those that's getting closer to those your time at years, and we wanna make sure your super is working harder for you. Yes. So I will get my team to touch base in about three months to do a bit of a catch up with you. We'll reassess your goals, look at what's happening, go through a nice date to either of your super, Yep. and then we can always update advice as needed as well. And if you need me in the mean time, you're welcome to let me know. Give my team a call. My name is Dana, and I'll make sure I book you in at any time that suits you. Excellent. Okay? Is that is that this number, this 36679841? Yep. Yeah. That's one Yep. of our phone numbers. We do call off a couple of them, but this is definitely one of the ones that you can save for us. Yeah. Oh, cool. Thank Yeah. That's okay. Well, I'll get this referral out.","start_word":3387,"end_word":3628,"sentiment":"neutral","sentiment_score":0.1678183227777481},{"text":"And, yeah, have a really good chat to Fabian and his team. They are fantastic. I've referred quite a lot of clients to them, and they've done some really good things.","start_word":3629,"end_word":3659,"sentiment":"positive","sentiment_score":0.6096240282058716},{"text":"you. Right. Unfortunately, with advisers, we are limited around the lending side of space on what we can advise on without having a credit license. This is where having a really good mortgage broker can be really beneficial for Yes. you. Okay? Yep. Yeah.","start_word":3660,"end_word":3703,"sentiment":"neutral","sentiment_score":-0.04240689054131508},{"text":"Fantastic.","start_word":3704,"end_word":3704,"sentiment":"positive","sentiment_score":0.477469801902771},{"text":"Okay.","start_word":3705,"end_word":3705,"sentiment":"neutral","sentiment_score":0.2887214422225952},{"text":"Be beautiful.","start_word":3706,"end_word":3707,"sentiment":"positive","sentiment_score":0.5793642401695251},{"text":"Oh, I'll get that email shortly, and then you'll also see me in that email sending it out.","start_word":3708,"end_word":3725,"sentiment":"neutral","sentiment_score":0.2527582049369812},{"text":"So you can keep my email address and shoot me back All anything good. that you need as well.","start_word":3726,"end_word":3744,"sentiment":"positive","sentiment_score":0.364594429731369},{"text":"Okay? Okay.","start_word":3745,"end_word":3746,"sentiment":"neutral","sentiment_score":0.23132379353046417},{"text":"Great. Yeah. Thank you. My pleasure, Kerry. I hope you have a really good afternoon. You too. Thanks a lot. Thanks. See you later.","start_word":3747,"end_word":3770,"sentiment":"positive","sentiment_score":0.7810143232345581},{"text":"Bye. Bye.","start_word":3771,"end_word":3772,"sentiment":"neutral","sentiment_score":0.27563467621803284}],"average":{"sentiment":"neutral","sentiment_score":0.15351063044825164}}}}