Annual Review Checklist

• How is their family?

• Discuss and work on any refixes for the year.

• Any big changes to their situation since last time - new job, child on the way, moving overseas etc?

• Are they looking to take on any new lending for any reason?

• Can we look to remove LEM on low equity loans?

• Is there any benefit to them to refinance?

• Can the clients increase their regular repayments to pay the loans down faster? Or any lump sums they can apply?

• Have they reviewed their Kiwisavers? - Refer to Andy if ANZ, Generate, NZ FUNDS, Booster, Pathfinder, Milford or Koura

• Have they got life/health/income protection insurance in place - refer to Jeetan if not.

• Ask for referrals

• Make notes in CRM, set any reminders that you need to for follow up including new refix dates