Unique Products for the Medical Professional  

Experien's comprehensive range of unique financial products offer a fresh alternative built on proven principles. To help you achieve perfect financial health, we offer:

Experien's focus on cash management gives you a range of options to get the best out of your cash flow. The d-POD enables you to save while earning a high variable interest rate on your entire balance, access your money on call, and has no minimum deposit requirements.

The POD+ is a unique product in Australia. Easy to use, this single account, to be used for business purposes, allows you to grow your earnings in one combined deposit and overdraft facility, with competitive interest rates either way.

Further, Term Deposits are a great investment option if you are looking for a low risk investment with a predefined investment goal.

These products are issued by Investec Bank (Australia) Limited ("Investec") ABN 55071 292 594/AFSL 234975. Experien Pty Limited ABN 94 110 704 464/ ("Experien"), is a 100% owned subsidiary of Investec and is authorised to distribute the POD+, the d-POD and Term Deposit Accounts (Authorised Representative number 286935). In distributing these Accounts, Experien acts as a representative of Investec and not as your agent. You need to consider the Product Disclosure Document for these products before investing, which is available by clicking here.  Before investing, you should consider whether these products meet your investment objectives and financial needs.

*As these deposits are with Investec, an Australian Bank deposits of all amounts are guaranteed by the Government as part of the financial claims Scheme for a period of three years from October 2008. All deposits are guaranteed until 28 November 2008 without charge. After that date, deposits over $1 Million will be Government guaranteed upon payment of a fee. The terms of the Government guarantee may change in the future.

Easy to set up and inexpensive to use, an Overdraft is an essential cash flow management tool for business which provides a "safety net" for unexpected expenses. It can be used for working capital, superannuation payments, advance bill payments and other cash flow requirements.

Whether you need $5,000 or $5 million, we offer finance for all the assets your practice requires including equipment, fitout, motor vehicles and computers. We make the job of choosing finance easy. Our finance options are designed to minimise your costs and take into account your tax and GST position, We can customise a package using lease, asset purchase, chattel mortgage and rental options to best suit your practice requirements.

We believe that purchasing your own rooms could provide an excellent long term business strategy for medical practitioners. It provides security of tenure, invesment in your own future, and could contribute substantially to your retirement.

Unique to Experien, we view the goodwill in a practice as an asset we are prepared to lend against. Financing your practice purchase this way leaves your assets free for other investment opportunities and may help you retain or increase otherwise lost tax deductions. Our wide range of options means you can make purchasing a practice a reality!

When it comes to your Home Loan, Experien's team of dedicated mortgage specialists will work with you to find an Experien loan that is tailored to suit your needs and the way you want to pay it off. Our Home Loan products are unique and flexible as we believe there is no reason one should have to compromise on flexibility, ability to make accelerated repayments or a low interest rate, just because they want the stability of a fixed rate loan.

With Experien’s Self Managed Super Fund (SMSF) lending, we make borrowing through your SMSF easy, enabling you to borrow up to 90% for Residential or Commercial Property.