*Please Note: Interest Rates change frequently and are subject to change without notice.

Please contact us to confirm our current interest rates,terms and conditions, product information and any special offers.

Various terms and conditions apply to these interest rates.

Please contact us for full details .

Why use Winsec Savings & Loans?

To find out more about the product or service that interests you, feel free to contact us. At Winsec Savings & Loans we’re right on the money!

Investments

It’s our aim at Winsec Savings & Loans to provide our clients with investments at a competitive rate of return. Our investment accounts are straightforward, no fuss and designed to suit your investment needs.

Important Notice: Win Securities Ltd, AFSL Licence No. 240901. Win Securities Ltd offers investments in Winsec Notes and is not a Bank. All investments involve risk and investors risk losing some or all of their principal investment. The risk of investment in Win Securities Ltd is set out in our current Prospectus lodged with ASIC and dated December 15, 2010 and should be read and understood before investing. Investments in Winsec Notes may only be made by completing the application form that accompanies the Prospectus. Copies of our Prospectus are available at our office situated at 39 Reid Street Wangaratta or by calling 1300 137 456 or please click here.

'ASIC' has also released, as part of its continuing investor education, an independent guide for 'Investing in Debentures'. This guide is available for public viewing at: www.fido.gov.au/debentures

At Call Winsec Notes

	Interest paid monthly
	No account keeping fees
	Funds available at call
	Minimum balance only $100

Fixed Rate Winsec Notes

	Interest paid at maturity on terms of 6 months or less
	Interest paid quarterly, half-yearly or annually in arrears on terms longer than 6 months
	Terms available up to 24 months
	Minimum balance only $500

At Call Self Managed Superannuation Fund

Win Securities Limited is pleased to announce the introduction of our new
At Call Self Managed Superannuation Fund Winsec Notes Account.

This account applies only to Trustees of Superannuation Funds that are complying Superannuation Funds.  Complying Superannuation Funds will be required to provide its ABN and Tax File Number. 

Features:
All the features and benefits of having your money “At Call”!  You still have the freedom to add or withdraw funds at any time during business hours, all without fees and charges*.

	No minimum balance – open your investment with just $100.00
	Unlimited Branch Cheque withdrawals
	Quarterly Statements
	Accepts Direct Credit Deposits from salary or other institutions
	Highly competitive interest rate
	Interest calculated daily and payable monthly in arrears on the 28th day of each month or the next available business day.

If you would like to take up our offer, simply read the current Prospectus and complete the Application Form and either mail it to us or call into our office with your funds. Subsequent investments can be made via other methods.

If you have any queries or wish to discuss this offer further, please do not hesitate to contact us.

Current Prospectus & Application Forms

How do I invest?
To make an initial investment with Winsec Savings and Loans, simply read the current Prospectus and complete the appropriate Application Form and either mail it to us or call into our office with your funds. Subsequent investments can be made via other methods.

For our Current rates please click here

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Loans 

The staff at Winsec Savings & Loans will work to identify the best loan available for your personal, investment or business needs. We also have the ability to lend funds to those clients who may not fit within the parameters of traditional lending. Feel free to discuss your specific borrowing needs with our experienced lending consultants.

And remember, our loans have no ongoing account keeping fees.  We offer the following products:

	Home loans
	Residential investment loans
	Lo-doc facilities for self-employed and other eligible borrower
	Commercial and industrial loans
	Rural finance
	Development loans
	Refinancing of existing loans

To download a Loan Application Form (pdf), please click here

For our Current rates please click here

Leasing

Winsec Savings & Loans provides customers with a diverse range of leasing and hire purchase products. Discuss your specific needs with our experienced lender who will design a solution to suit you or your business.

	Motor vehicles
	Chattel mortgages
	Plant & equipment

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Customer Identification Requirements

If you are a new customer to Winsec Savings & Loans, before we can open your account, we will need to confirm your identity by completing a customer identification check.

Under the Anti Money Laundering and Counter-Terrorism Financing Act we are obligated to verify the information you have provided to us on your application form. To ensure your application is processed as quickly as possible, please download and read our Customer Identification Requirements.

To check that you have sufficient identification you can also download a copy of our Points identification form.

Winsec Off System BSB: 703-508

Win Securities Limited has its own unique Bank State Branch (BSB) number that allows electronic transactions to be processed to and from Winsec finance accounts.

The BSB number permits Winsec to connect directly into the Banks Electronic Clearing System and process transactions to and from other Financial Institutions electronically.

Our BSB number coupled with your nine (9) digit Winsec Finance Account reference number enables you to perform the following:

• Internet Banking: Transfer money online from Bank Accounts to your Winsec Loan or At Call Account. Ask us how
• Transfers from Bank Accounts: Saving? Our staff can organise direct debits from your Bank Account to a high interest earning Winsec account. Direct debits can be set up to occur as often as you like and can also be performed as a one off.
• Investment Interest Payments: Have interest from your Winsec investment credited directly to your Bank Account.
• Electronic Dividend Payments: Have your Dividend Payment directly credited to your Winsec Account. No need to worry about receiving and depositing cheques. Ideal for Super Fund Accounts!
• Salary Sacrifice: Whether its weekly, fortnightly or monthly have your salary, pension payment or government benefit directly credited to your Winsec Account.
• Direct Debit: Pay your expenses by direct debit, eg: telephone, electricity, power, insurance from your Winsec At Call Account.

*All of above transactions carry no extra fees and are processed on the night of the transaction as cleared funds.

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