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<h1>Finance/Lending</h1><br>Income Essentials can source a range of finance products for employees wishing to include a motor vehicle in their package. Using a panel of bank and non bank finance providers, Income Essentials provides a range of financing options to enable each employee to select the best and most appropriate deal for their needs.<br><br>Income Essentials also assists in providing finance from a range of lenders and panel of brokers, for the purchase of a home, investment property or business, leasing of equipment and share portfolios. This may also include refinancing and consolidation of existing debts.<br><br><br><br><br><br><span style="FONT-STYLE: italic">Our finance operation is all run through our business partner JBS Financial. Please refer to their website for further information or contact us for more information</span> <a style="FONT-STYLE: italic; FONT-SIZE: inherit" href="http://www.jbsfinancial.com.au" rel="index" target="_blank">www.jbsfinancial.com.au</a><br><br></td></tr>
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<td style=" TEXT-ALIGN: left;  PADDING-LEFT: 20px; WIDTH: 773px; PADDING-RIGHT: 8px; VERTICAL-ALIGN: top;   PADDING-TOP: 8px"><span style="color: rgb(92, 74, 66); font-size: 12px;">Income Essentials (Aust) Pty Ltd </span><span style="COLOR: rgb(92,74,66); FONT-SIZE: 12px">Level 7, 24</span><span style="COLOR: rgb(92,74,66); FONT-SIZE: 12px"> Albert Road South Melbourne Vic 3205 | PO Box 7441, St Kilda Road Vic 8004</span><br><span style="COLOR: rgb(92,74,66); FONT-SIZE: 12px">Tel: 03 8677 0677 Fax: 03 8677 0600 Email: </span><a style="COLOR: rgb(92,74,66); FONT-SIZE: 12px" onmouseover="this.style.textDecoration = 'underline';" onmouseout="this.style.textDecoration = '';" href="mailto:essentials@incomeessentials.com.au">essentials@incomeessentials.com.au</a><span style="COLOR: rgb(157,159,162)"></span><br><a style="LINE-HEIGHT: 12px; FONT-SIZE: 12px" onmouseover="this.style.textDecoration = 'underline';" onmouseout="this.style.textDecoration = '';" href="http://www.incomeessentials.com.au/Novated-Lease" rel="Next" target="_self"><span style="LINE-HEIGHT: 12px; COLOR: rgb(157,159,162); FONT-SIZE: 11px" onmouseover="this.style.textDecoration = 'underline';" onmouseout="this.style.textDecoration = '';">Novated Lease</span></a><span style="LINE-HEIGHT: 12px; COLOR: rgb(157,159,162); FONT-SIZE: 11px"> </span><span style="COLOR: rgb(157,159,162)">|</span> <a style="LINE-HEIGHT: 12px; COLOR: rgb(157,159,162); FONT-SIZE: 11px" onmouseover="this.style.textDecoration = 'underline';" onmouseout="this.style.textDecoration = '';" href="http://www.incomeessentials.com.au/Associated-Lease" rel="Next" target="_self">Associate Lease</a> <span style="COLOR: rgb(157,159,162)">|</span> <a style="LINE-HEIGHT: 12px; COLOR: rgb(157,159,162); FONT-SIZE: 11px" onmouseover="this.style.textDecoration = 'underline';" onmouseout="this.style.textDecoration = '';" href="http://www.incomeessentials.com.au/Vehicle-Operating-Cost" rel="Next" target="_self">Hire Purchase</a> <span style="COLOR: rgb(157,159,162)">|</span> <a style="LINE-HEIGHT: 12px; COLOR: rgb(157,159,162); FONT-SIZE: 11px" onmouseover="this.style.textDecoration = 'underline';" onmouseout="this.style.textDecoration = '';" href="http://www.incomeessentials.com.au/Salary-Packaging" rel="Next" target="_self">Salary Packaging</a> <span style="COLOR: rgb(157,159,162)">|</span> <a style="COLOR: rgb(157,159,162); FONT-SIZE: 11px" onmouseover="this.style.textDecoration = 'underline';" onmouseout="this.style.textDecoration = '';" href="http://www.incomeessentials.com.au/Salary-Packaging" rel="Next" target="_self">Salary Package</a> <span style="COLOR: rgb(157,159,162)">|</span> <a style="LINE-HEIGHT: 12px; COLOR: rgb(157,159,162); FONT-SIZE: 11px" onmouseover="this.style.textDecoration = 'underline';" onmouseout="this.style.textDecoration = '';" href="http://www.incomeessentials.com.au/Salary-Packaging" rel="Next" target="_self">Salary Sacrifice</a> <span style="COLOR: rgb(157,159,162)">|</span> <a style="LINE-HEIGHT: 12px; COLOR: rgb(157,159,162); FONT-SIZE: 11px" onmouseover="this.style.textDecoration = 'underline';" onmouseout="this.style.textDecoration = '';" href="http://www.incomeessentials.com.au/Salary-Packaging" rel="Next" target="_self">Remuneration</a> <span style="COLOR: rgb(157,159,162)">|</span> <a style="LINE-HEIGHT: 12px; COLOR: rgb(157,159,162); FONT-SIZE: 11px" onmouseover="this.style.textDecoration = 'underline';" onmouseout="this.style.textDecoration = '';" href="http://www.incomeessentials.com.au/Employer-Reporting" rel="Next" target="_self">Employer Benefits</a> <span style="COLOR: rgb(157,159,162)">|</span> <a style="LINE-HEIGHT: 12px; COLOR: rgb(157,159,162); FONT-SIZE: 11px" onmouseover="this.style.textDecoration = 'underline';" onmouseout="this.style.textDecoration = '';" href="http://www.incomeessentials.com.au/Employee-Reporting" rel="Next" target="_self"><span style="LINE-HEIGHT: 12px; FONT-SIZE: 11px" onmouseover="this.style.textDecoration = 'underline';" onmouseout="this.style.textDecoration = '';">Employee Benefits</span></a><span style="LINE-HEIGHT: 12px"> </span><span style="LINE-HEIGHT: 12px; COLOR: rgb(157,159,162)">|</span> <span style="LINE-HEIGHT: 12px; COLOR: rgb(157,159,162); FONT-SIZE: 11px"><a style="FONT-SIZE: inherit" href="http://www.incomeessentials.com.au/Vehicles-&amp;-Fleet-Mgt" rel="Next" target="_self"><span style="COLOR: rgb(153,153,153)" onmouseover="this.style.textDecoration = 'underline';" onmouseout="this.style.textDecoration = '';">Car Lease</span></a></span><span style="LINE-HEIGHT: 12px"> </span><span style="COLOR: rgb(157,159,162)">|</span> <a style="LINE-HEIGHT: 12px; COLOR: rgb(157,159,162); FONT-SIZE: 11px" onmouseover="this.style.textDecoration = 'underline';" onmouseout="this.style.textDecoration = '';" href="http://www.incomeessentials.com.au/Financelending" rel="Next" target="_self"><span onmouseover="this.style.textDecoration = 'underline';" onmouseout="this.style.textDecoration = '';">Car Finance</span></a> <span style="COLOR: rgb(157,159,162)">|</span> <a style="LINE-HEIGHT: 12px; COLOR: rgb(157,159,162); FONT-SIZE: 11px" onmouseover="this.style.textDecoration = 'underline';" onmouseout="this.style.textDecoration = '';" href="http://www.incomeessentials.com.au/Salary-Packaging" rel="Next" target="_self">Flexible remuneration</a> <span style="COLOR: rgb(157,159,162)">|</span><span style="COLOR: rgb(157,159,162)"></span> <a style="LINE-HEIGHT: 12px; COLOR: rgb(157,159,162); FONT-SIZE: 11px" onmouseover="this.style.textDecoration = 'underline';" onmouseout="this.style.textDecoration = '';" href="http://www.incomeessentials.com.au/Salary-Packaging" rel="Next" target="_self">Employer of Choice</a> <span style="COLOR: rgb(157,159,162)">|</span> <a style="LINE-HEIGHT: 12px; COLOR: rgb(157,159,162); FONT-SIZE: 11px" onmouseover="this.style.textDecoration = 'underline';" onmouseout="this.style.textDecoration = '';" href="http://www.incomeessentials.com.au/Financelending" rel="Next" target="_self">Chattel Mortgage</a> <span style="COLOR: rgb(157,159,162)">|</span> <a style="LINE-HEIGHT: 12px; COLOR: rgb(157,159,162); FONT-SIZE: 11px" onmouseover="this.style.textDecoration = 'underline';" onmouseout="this.style.textDecoration = '';" href="http://www.incomeessentials.com.au/Financelending" rel="Next" target="_self">Commercial Hire Purchase</a> <span style="COLOR: rgb(157,159,162)">|</span><br><a style="LINE-HEIGHT: 12px; COLOR: rgb(157,159,162); FONT-SIZE: 11px" onmouseover="this.style.textDecoration = 'underline';" onmouseout="this.style.textDecoration = '';" href="http://www.incomeessentials.com.au/Financelending" rel="Next" target="_self">Finance Quote</a> <span style="COLOR: rgb(157,159,162)">|</span> <a style="LINE-HEIGHT: 12px; COLOR: rgb(157,159,162); FONT-SIZE: 11px" onmouseover="this.style.textDecoration = 'underline';" onmouseout="this.style.textDecoration = '';" href="http://www.incomeessentials.com.au/Salary-Packaging" rel="Next" target="_self"><span>Non-Cash Benefits</span></a><span style="LINE-HEIGHT: 12px"> </span><span style="COLOR: rgb(157,159,162)">|</span> <a style="LINE-HEIGHT: 12px; COLOR: rgb(157,159,162); FONT-SIZE: 11px" onmouseover="this.style.textDecoration = 'underline';" onmouseout="this.style.textDecoration = '';" href="http://www.incomeessentials.com.au/Reporting" rel="Next" target="_self">PAYG</a> <span style="COLOR: rgb(157,159,162)">|</span> <a style="LINE-HEIGHT: 12px; COLOR: rgb(157,159,162); FONT-SIZE: 11px" onmouseover="this.style.textDecoration = 'underline';" onmouseout="this.style.textDecoration = '';" href="http://www.incomeessentials.com.au/Vehicle-Operating-Cost" rel="Next" target="_self">Vehicle Running costs</a> <span style="COLOR: rgb(157,159,162)">|</span> <a style="LINE-HEIGHT: 12px; COLOR: rgb(157,159,162); FONT-SIZE: 11px" onmouseover="this.style.textDecoration = 'underline';" onmouseout="this.style.textDecoration = '';" href="http://www.incomeessentials.com.au/Vehicles-&amp;-Fleet-Mgt" rel="Next" target="_self">Fleet Management&nbsp;</a><span style="COLOR: rgb(157,159,162)">|</span> <a style="LINE-HEIGHT: 12px; COLOR: rgb(157,159,162); FONT-SIZE: 11px" onmouseover="this.style.textDecoration = 'underline';" onmouseout="this.style.textDecoration = '';" href="http://www.incomeessentials.com.au/Vehicles-&amp;-Fleet-Mgt" rel="Next" target="_self">Vehicle Procurement</a> <span style="COLOR: rgb(157,159,162)">|</span> <a style="LINE-HEIGHT: 12px; COLOR: rgb(157,159,162); FONT-SIZE: 11px" onmouseover="this.style.textDecoration = 'underline';" onmouseout="this.style.textDecoration = '';" href="http://www.incomeessentials.com.au/Novated-Lease" rel="Next" target="_self">FBT Management</a><span style="LINE-HEIGHT: 12px">&nbsp;</span><span style="COLOR: rgb(157,159,162)">|</span> <br><a style="COLOR: rgb(157,159,162); FONT-SIZE: 11px" onmouseover="this.style.textDecoration = 'underline';" onmouseout="this.style.textDecoration = '';" href="http://www.incomeessentials.com.au/Vehicle-Insurance" rel="Next" target="_self">Vehicle Insurance</a><a style="LINE-HEIGHT: 17px; COLOR: rgb(157,159,162); FONT-SIZE: 11px" onmouseover="this.style.textDecoration = 'underline';" onmouseout="this.style.textDecoration = '';" href="http://www.incomeessentials.com.au/Vehicle-Operating-Cost" rel="Next" target="_self"> </a><span style="LINE-HEIGHT: 17px; COLOR: rgb(157,159,162); FONT-SIZE: 11px"><span style="COLOR: rgb(157,159,162)">|</span> <a style="FONT-SIZE: inherit" href="http://www.incomeessentials.com.au/Fuel-Cards" rel="Next" target="_self"><span style="COLOR: rgb(153,153,153); FONT-SIZE: 11px" onmouseover="this.style.textDecoration = 'underline';" onmouseout="this.style.textDecoration = '';">Fuel Cards</span></a></span><span style="COLOR: rgb(157,159,162)">&nbsp; <br>© 2011 Income Essentials (Aust) Pty Ltd. 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<td style=" TEXT-ALIGN: right;  WIDTH: 280px; PADDING-RIGHT: 8px; VERTICAL-ALIGN: top;   PADDING-TOP: 8px"><a style="FONT-SIZE: inherit" href="http://www.jbsfinancial.com.au" rel="index" target="_blank"><img style="WIDTH: 240px; HEIGHT: 62px" onmouseover="this.src='http://www.incomeessentials.com.au/images/DI421152757.png';" title="JBS financial" onmouseout="this.src='http://www.incomeessentials.com.au/images/D421152737.png';" src="http://www.incomeessentials.com.au/images/D421152737.png" border="0"></a><br><br>
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