Well Nigh Website Requirements

Terms of engagement
To ensure a successful collaboration and smooth progress, clear and consistent communication channels will be established between the developer and Well Nigh. Regular updates and check-ins will be conducted via Upwork or email.
Any changes, updates, or issues will be promptly communicated to maintain transparency throughout the project. This includes open dialogue regarding project milestones, potential challenges, and timelines. Both parties will work collaboratively to address any concerns or adjustments needed, ensuring that the project stays on track and aligned with Well Nigh's objectives.
Additionally, mutual respect for deadlines and deliverables will be upheld, with both parties committed to resolving any issues quickly and efficiently. Regular feedback loops will be implemented to review progress and ensure that the project meets all agreed-upon standards and expectations.

Objective: 
Redesign and rebuild the Well Nigh website (https://www.wellnigh.com.au/) to ensure it is fully functional and optimized for seamless viewing across all devices, including web, mobile, and tablet platforms. The website will incorporate the latest design trends and layouts using Elementor Pro, featuring interactive elements, smooth animations, and high-quality images and videos. The site will be optimized for fast loading times and SEO, ensuring easy navigation. All work will adhere to Well Nigh's branding guidelines, and website content will be updated as directed. Deliverables include a fully function Wordpress website and configuration/ setup documentation.

Developer Responsibilities:
•	Develop a fully functional website based on the provided technical specifications, ensuring compatibility across all devices.
•	Ensure the website adheres to branding guidelines throughout the design and development process.
•	Recreate web pages using Elementor, installing and configuring any additional required plugins.
•	Update and website content as per SoW.
•	Apply the latest design trends and layouts using Elementor Pro.
•	Optimize the website for search engines (SEO).
•	Install and configure all necessary plugins to ensure they function properly for their intended purposes.
•	Design the website using Figma or another design tool, collaborating with Well Nigh until the design is approved for staging.
•	Create the website in staging and conduct testing to ensure the site is fully functional
•	Once approval has been provided in staging from Well Nigh, migrate the website into production
•	Test further in production to ensure the website is fully functional, readable and visually appealing
•	Provide comprehensive documentation covering the setup, configuration, and usage of the website.

Project Timeline 
Stage 1 due by 16/08/2024 Review SoW and ensure understanding of requirements. Review and answer any questions. Finalise Quote and start contract. 
Stage 2 due by 23/08/2024 Review design in Figma (or other) and finalise layout
Stage 3 due by 6/08/2024 Website has been created in staging and has been fully tested. Works on all devices. All forms are set up correctly. No broken pages. SEO optimised. 
Stage 4 due by 13/08/2024 Staging site approved by Well Nigh and migrated to production. Site is fully functional and live. End of project 


Skills Required
Web Development:
•	Proficiency in WordPress development, including theme and plugin customization.
Graphic Design:
•	Strong graphic design skills to create visually appealing and brand-compliant layouts and elements.
Elementor Pro:
•	Expertise in using Elementor Pro for page building, including the use of widgets, form builders, and other design elements.
SEO & Marketing:
•	Knowledge of SEO best practices and marketing strategies to optimize the website for search engines and enhance visibility.
Responsive Design:
•	Ability to create responsive designs that ensure optimal viewing experiences across various devices, including desktops, tablets, and smartphones.
User Experience (UX) Design:
•	Understanding of user experience principles to ensure easy navigation and a seamless user journey on the website.
Project Management:
Strong organizational and communication skills to manage project timelines, collaborate with stakeholders, and ensure project milestones are met.
Figma or Similar Design Tools:
•	Experience using design tools like Figma (or equivalent) for creating website layouts and collaborating with clients on design approvals.
Quality Assurance:
•	Skills in testing and quality assurance to identify and resolve any issues before the website goes live.
HubSpot & Marketo Experience (Desired):
•	Familiarity with marketing automation platforms such as HubSpot is a plus, as it may enhance integration and marketing efforts.




Sitemap - Current state 
Site Map - Future State
 

Technical Specifications
1.	Plugins
Install all plugins and ensure they are all set to auto update
Plugin Name	Used For	Status
Elementor Pro
Page builder, Website Layout and Blogs	Not registered
Wordfence
Security	Registered 
Hubspot
Forms (Contact, Registration, EBook). Live Chat Bot. Contact Segmentation. Email Marketing. Landing Pages. (Use all features in logins)	Registered
LinkedIn Feed
LinkedIn Feed Carousel	Not required
Migration Plugin	To Migrate from Staging to Production Site	
2.	Update the Privacy Policy page contents to the document ‘Privacy Policy Website Edit August 2024 ‘(https://www.wellnigh.com.au/privacy-policy/)
3.	Google analytics setup
The objective is to set up Google Analytics on the Well Nigh website to track and analyze website traffic and user behavior. Begin by creating a Google Analytics account and setting up a new property for the website. Obtain the Google Analytics tracking ID and integrate the tracking code into the website’s header, using a plugin if preferred. Verify the correct installation of the tracking code with tools like Google Tag Assistant. Configure Google Analytics settings, including goals, filters, and any custom dimensions or metrics, and enable enhanced features such as Enhanced Ecommerce and Demographics Reports. Test the setup to ensure accurate data collection and grant access to relevant team members. Finally, provide documentation on accessing and interpreting the analytics data.
4.	Remove the ‘Design & Distribution Obligations’ drop down from ‘Products’ and place in Footer under ‘Company’ (https://www.wellnigh.com.au/design-distribution-obligations/)  
 
5.	Update the TMD Documents, which are listed in the ‘Design & Distribution Obligations’ page under ‘Products’. Replace the product names with the names of the documents in the PDF’s and attached the PDF’s when you click on each file. No need to include the ‘May – 2024’ to product name. 

  
6.	Update the conditions of use document with the updated document called ‘WN198_2024_June_Visa Debit_Conditions of Use’ this is located on the ‘Easy Access’ page when you click on the button. (WN198_2024_June_Visa Debit_Conditions of Use)
7.	Save the current ‘register’ page for stage two (https://www.wellnigh.com.au/app/user/signup) we will work on this page at a later stage. Please change so that when you click on ‘Register’ it takes you to Mortgage Manager Page. Please save the link or details on how to access the current register page somewhere.
8.	Top bar titles to include:
-	Home 
-	About Us
-	Products (Remove dropdowns)
-	Mortgage Manager
-	Contact Us 
-	News
-	Easy Access debit Card
9.	Refer to each page contents and requirements:
Home Page
1.	Bar header with 6 page options that will take you to a different page (Home, About Us, Mortgage Manager, Contact Us, News & Easy Access Debit Card) when clicked on each tab it will take you to a different page. When Home page is clicked it takes you back to the home page.
2.	‘Log on’ button with drop down for 3 links 
a)	Prime Account : https://www.adelaidebank.com.au/mortgage-managers/well-nigh/home/home/
b)	Assist Account : https://wellnigh.emms.net.au/security/login 
c)	Capital Account:  https://www.lsn.com.au/LsnWeb/faces/LsnrLogin.jsp?EWF_FORM_NAME=0001660&EWF_BUTTON_Submit=Submit-.
3.	Add a search function to search all of site by keyword
4.	About us section 
5.	Product section 
6.	Testimonials section 
10.	Contact us 
7.	LinkedIn feed carousel (Linkedin to Well Nigh LinkedIn) example below
 
8.	The bottom of the page will have Footer section (to appear on all pages) to include:
a.	©Well Nigh Pty Ltd  ACN 131 937 632 Australian credit licence 392216
b.	 Follow Us (Include icons to Well Nigh socials)
i.	LinkedIn https://www.linkedin.com/company/83526392/admin/feed/posts/
ii.	Facebook https://www.facebook.com/profile.php?id=61555704677460
iii.	X https://twitter.com/WellNighPtyLtd
iv.	Youtube https://www.youtube.com/@WellNighPtyLtd-un8lp
v.	Instagram
c.	Company 
i.	Contact Us – link to Mortgage Manager contact us page
ii.	About Us – link to about us page
iii.	Accreditation – link to Mortgage Manager page 
iv.	Conditions of use https://www.wellnigh.com.au/conditions-of-use-3/
v.	Privacy Policy https://www.wellnigh.com.au/privacy-policy/
vi.	Design & Distribution Obligations https://www.wellnigh.com.au/design-distribution-obligations/
d.	Customer
i.	Contact Us – Link to customer contact us page
ii.	Visa Debit https://www.wellnigh.com.au/wp-content/uploads/2022/10/conditions_of_use_-_visa_debit.pdf









About Us 
1.	Include all details below (why choose us?)
2.	CTA button which redirects to Mortgage Manager page ‘Become Accredited’
 











Products
Please refer to example of comparison table below for the products to be displayed. The first paragraph can be displayed in these tables as a summary of the product. 
 
This page will have the different products listed as above and then when clicked on it will take you to the chosen product page. Each product will have their own page with a relatable, high quality image.

Standard Product Suite 
1.	Ultra 
Discover our Ultra Product, the ultimate choice for borrowers seeking top-tier mortgage solutions. With no annual fees, fast internet banking, and flexible repayment schedules, managing your mortgage has never been easier. Enjoy the advantages of free redraws and unlimited additional repayments, alongside special pricing for ultra-prime borrowers and flexible DTI ratios. This product is suitable for Australian residents and citizens, including PAYG and self-employed borrowers. We accept residential properties, apartments, and metropolitan securities. Contact us for tailored mortgage solutions that fit your needs perfectly.

Loan Features:
No Ongoing Annual Fee: Enjoy the benefit of no ongoing annual fees, helping you save more.
Fast and Accessible Internet Banking: Manage your mortgage easily with our efficient online banking system.
Flexible Repayment Schedule: Choose repayment options that suit your financial needs, including weekly, fortnightly, or monthly payments.
Free Redraws: Access extra repayments anytime without any additional fees.
Unlimited Additional Repayments: Make as many extra repayments as you want without penalties, helping you pay off your loan faster.

Loan Niches:
Special Pricing for Ultra Prime Borrowers: Benefit from our competitive rates designed for high-quality borrowers.
AVM Valuation Available: Access Automated Valuation Models for quick property valuations.
Custom Pricing: Tailored loan product pricing to suit your specific needs.
Flexibility in DTI: Flexible Debt-to-Income ratios to accommodate different financial situations.

Eligibility Requirements:
Residency: Open to Australian residents and citizens living and working in Australia.
Credit History: Applicants must have no defaults, arrears, or late payments with a minimum credit score of 750
Income: Suitable for borrowers with ongoing income as PAYG employees or self-employed individuals.

Accepted Securities:
Residential Properties: Standard residential properties and single dwellings on one title are accepted.
Property Size: Minimum internal size of 50 sqm – 1000sqm
Apartments/Units: Acceptable up to 80% LVR.
Location: All Category 1 and metropolitan properties are acceptable.


2.	Prime 
Explore our Prime Product, designed for prime customers seeking premium mortgage solutions. Enjoy free redraws and a Visa debit card with offset for each borrower. Benefit from flexible servicing, accommodating income allowances and self-employed addbacks. Suitable for individual and trust borrowers, our offerings include lo doc, full doc, SMSF, bridging, and family pledge loans. Ideal for Australian residents and citizens with a clear credit history, our Prime Product supports both purchase and refinance. We accept high-density units, properties up to 10 hectares, and metropolitan properties. Contact us for more details and tailored solutions.

Loan Features:
Loan Term: Offers terms of up to 40 years.
No Ongoing Annual Fee: Enjoy the benefit of no ongoing annual fees, helping you save more.
Fast and Accessible Internet Banking: Manage your mortgage easily with our efficient online banking system.
Flexible Repayment Schedule: Choose repayment options that suit your financial needs, including weekly, fortnightly, or monthly payments.
Free Redraws: Access extra repayments anytime without any additional fees.
Unlimited Additional Repayments: Make as many extra repayments as you want without penalties, helping you pay off your loan faster.

Loan Niches:
Flexible Servicing: Income allowances and self-employed addbacks are available, making it easier to meet loan servicing requirements.
Diverse Borrower Types: Suitable for individual borrowers and non-trading trusts.
Document Options: Accepts low documentation (lo doc), full documentation (full doc), Self-Managed Super Funds (SMSF), bridging loans, and family pledge loans.

Eligibility Requirements:
Residency: Available to Australian residents and citizens living and working in Australia.
Credit History: Applicants must have a clear credit history with a minimum credit score of 600
Purpose: Suitable for both purchase and refinance scenarios.

Accepted Securities:
Dwellings: up to 2 dwellings on one title are accepted.
High-Density Units: High-density residential units are accepted.
Property Size: Properties from 40 square metres up to 10 hectares are eligible.


3.	Flex 
Discover the unparalleled flexibility of our Flex Product, offering a comprehensive suite of mortgage solutions tailored to meet a wide range of borrower needs. Enjoy features such as an optional offset facility to save on interest, fast internet banking for convenient account management, and flexible repayment schedules to suit your lifestyle. Benefit from free redraws and unlimited additional repayments, providing you with the freedom to manage your finances effectively. This product is ideal for Australian residents and citizens, including those living and working overseas, and accommodates diverse property types including multiple dwellings, various sizes, heritage listings, high-density, and serviced apartments. Contact us today to explore tailored mortgage solutions designed just for you.

Loan Niches:
Credit Impairments: Includes single life events, discharged bankruptcies, and other credit-impaired loans, as well as debt consolidation.
Eligible Borrowers: Individuals, guarantors, and both trading and non-trading companies.
Flexible Self-Employed Scenarios: Accommodates various self-employed situations.
Document Options: Accepts low documentation (lo doc), full documentation (full doc)

Loan Features:
Loan Term: Offers terms of up to 40 years.
No Ongoing Annual Fee: Enjoy the benefit of no ongoing annual fees, helping you save more.
Fast and Accessible Internet Banking: Manage your mortgage easily with our efficient online banking system.
Flexible Repayment Schedule: Choose repayment options that suit your financial needs, including weekly, fortnightly, or monthly payments.
Free Redraws: Access extra repayments anytime without any additional fees.
Unlimited Additional Repayments: Make as many extra repayments as you want without penalties, helping you pay off your loan faster.

Eligibility Requirements:
Residency: Open to Australian residents and citizens living and working in Australia.
Overseas Applicants: Australian passport holders living and working overseas are eligible.
Credit Score: Minimum credit score of 350 is required.

Accepted Securities:
Up to 5 Dwellings on One Title
Apartments: From 30 sqm (separate B, B, L)
Rural Dwellings: Sizes from 20 hectares to 50 hectares
Serviced Apartments
Heritage-Listed Properties
DA Approved/Potential Properties
Limited Title Properties
Properties with DA Potential– on an “As Is” basis
Hobby Farms
Display Homes
Other Unusual Securities

Specialty Product Suite
4.	Lo Doc 
Explore our mortgage loan options with an optional offset facility, fast internet banking, and a flexible repayment schedule. Enjoy free redraws and unlimited additional repayments. Suitable for Australian residents and citizens with a minimum credit score of 700. Ideal for self-employed individuals and those aged 50 years and under. Accepts multiple dwellings, a wide range of property sizes, dual occupancy properties, apartments, units, and houses. Lo Doc is available for Prime and Flex products. Contact us for tailored mortgage solutions. 

Loan Features:
Optional Offset Facility: Reduce the interest on your mortgage with our optional offset account.
Fast and Accessible Internet Banking: Manage your mortgage effortlessly with our efficient online banking system.
Flexible Repayment Schedule: Choose from weekly, fortnightly, or monthly repayments to suit your financial needs.
Free Redraws: Access extra repayments at any time without any additional fees.
Unlimited Additional Repayments: Make unlimited additional repayments without penalties, helping you pay off your loan faster.

Eligibility Requirements:
Residency: Available to Australian residents and citizens living and working in Australia.
Credit Score: Minimum credit score of 700 with no defaults.
Self-Employed: Must have at least 2 years of self-employment and a minimum of 5 years with an ABN.
Borrower Type: Individual borrowers only (company and trust borrowers excluded).
Age Limit: All borrowers must be 50 years old or younger.

Accepted Securities:
Multiple Dwellings: Accepts up to 2 dwellings on one title.
Property Size: Properties ranging from a minimum of 50 square meters to 2.2 hectares.
Dual Occupancy Properties: Eligible for dual occupancy properties.
Property Types: Accepts apartments, units, and houses.
Location: Category 1 and Category 2 securities are acceptable.


5.	SMSF 
Explore our mortgage products featuring an offset account, flexible PI or IO loan options, and unlimited additional repayments on variable loans. Enjoy loan terms up to 30 years and fast online banking. We accept properties in various locations, including non-urban post codes, and new or unusual securities. Suitable for applicants with 5% or 10% liquidity, clean credit history, and SMSF trusts with a corporate trustee. Contact us for tailored mortgage solutions.

Product Features:
Offset Account: Benefit from an offset account to reduce the interest on your mortgage.
Principal and Interest (PI) or Interest Only (IO) Loan Options: Choose between PI or IO repayment plans to suit your financial strategy.
Unlimited Additional Repayments: Make unlimited extra repayments on variable loans to pay off your mortgage faster. For fixed-rate products, additional repayments are capped at $20,000.
Long Loan Term: Enjoy flexible loan terms of up to 30 years.
Fast and Accessible Online Banking: Manage your mortgage with ease using our efficient online banking platform.

Loan Niches:
Flexible Location: We consider loans for properties in a variety of locations, including non-urban areas.
New and Unusual Securities: Innovative and unique property types are accepted.
Non-Urban Post Codes: Properties in non-urban post codes may be eligible.

Eligibility Requirements:
Liquidity: Maintain 5% or 10% liquidity, depending on Loan-to-Value Ratio (LVR).
SMSF Trusts: Self-Managed Super Fund (SMSF) trusts must have a corporate trustee.
Clean Credit History: Applicants must have a clean credit history.


6.	Non-Resident 
Discover our mortgage products with unlimited additional repayments, a flexible repayment schedule, and a fast internet banking system. Enjoy free redraws and eligibility for non-resident borrowers, both in Australia and overseas. Accepting single dwellings on one title, properties from 40 sqm to 10 hectares, and Category 1 and 2 securities. Suitable for applicants with no defaults and up to 80% LVR inclusive of LMI. Contact us for personalized mortgage solutions.

Product Features:
Unlimited Additional Repayments: Make unlimited extra repayments to pay off your mortgage faster without any penalties.
Flexible Repayment Schedule: Choose from weekly, fortnightly, or monthly repayments to suit your financial needs.
Fast and Accessible Internet Banking System: Manage your mortgage effortlessly with our efficient online banking platform.
Free Redraws: Access extra repayments anytime with no additional fees.

Eligibility Requirements:
Residency: Open to all borrowers, whether residing in Australia or overseas at the time of application.
Credit History: Must have no defaults.
Loan-to-Value Ratio (LVR): Up to 80%, inclusive of Lenders Mortgage Insurance (LMI). Other scenarios will be considered on a case-by-case basis.

Accepted Securities:
Single Dwelling: One dwelling on one title.
Property Size: Properties ranging from a minimum of 40 square meters to 10 hectares.
Location: Category 1 and Category 2 securities are acceptable.

7.	Expat Citizen
Explore our mortgage options for expat citizens with a flexible payment schedule, Visa debit card with a 100% offset account, and a 40-year loan term. Suitable for Australian and New Zealand citizens living and working overseas with a prime credit history. Accepts diverse securities, including multiple dwellings, small apartments, rural properties, serviced apartments, heritage listings, and more. Contact us for personalised mortgage solutions.

Product Features:
Flexible Payment Schedule: Choose a payment plan that suits your financial needs.
Visa Debit Card with 100% Offset Account: Access funds easily while reducing your loan interest.
40-Year Loan Term: Enjoy the flexibility of a longer loan term.

Eligibility Requirements:
Residency: Open to Australian and New Zealand citizens living and working overseas.
Credit History: Applicants must have a prime credit history, allowing for minor defaults.

Accepted Securities:
Standard Prime Full Doc Properties: Accepts the same securities as prime full documentation loans.
Flexible Rates for Diverse Properties:
Multiple Dwellings: Up to 5 dwellings on one title.
Apartments: Minimum size of 30 sqm (with separate bedroom, bathroom, and living area).
Rural Dwellings: Properties up to 50 hectares.
Serviced Apartments: Eligible serviced apartments.
Heritage Listed Properties: Properties with heritage listings.
DA Approved/Potential Properties: Properties with development approval or potential.
Limited Title Properties: Properties with limited title.
Properties with DA Potential: Eligible on an "As Is" basis (no vacant land).
Hobby Farms and Display Homes: Includes other unusual securities.


8.	Non-Conforming
Explore our non-conforming loans for credit-impaired individuals with no risk fees. Enjoy flexible payment schedules, unlimited additional repayments, and convenient internet banking. Suitable for individual borrowers, guarantors, and non-trading/trading companies or trusts. Accepts applications with defaults, judgments, writs, and discharged bankruptcies. Eligible properties include detached and semi-detached dwellings, apartments under 6 stories, warehouse conversions, heritage-listed properties, and more. Contact us for tailored mortgage solutions.

Loan Features:
Internet Banking: Manage your loan easily with our user-friendly online banking system.
Flexible Payment Schedule: Choose from weekly, fortnightly, or monthly repayments to suit your financial needs.
Unlimited Additional Repayments: Make unlimited extra repayments to pay off your loan faster without any penalties.

Eligibility Requirements:
Borrowers: Open to individual borrowers, guarantors, non-trading companies, trusts, and trading companies/trusts.
Age Range: Applicants must be between 18 and 55 years old.
Debt Consolidation: Unlimited debt consolidation options, including ATO debt and council arrears consolidation.
Credit History: Applications with defaults, judgments, and writs registered at least 12 months ago (paid or unpaid) are acceptable.
Bankruptcy: Applicants must be discharged from bankruptcy for at least 24 hours (undischarged bankrupts not accepted).
Ban Periods: Any ban periods must be removed before assessment.

Acceptable Securities:
Property Types:
Detached and semi-detached dwellings
Apartments (under 6 stories or built before 2012)
Units, townhouses, villas, duplexes
Warehouse conversions and heritage-listed properties
House/land sizes less than 2.2 hectares
Dual/multiple occupancy properties with up to 2 dwellings
Dual/multiple occupancy properties with 3-4 dwellings 

9.	Streamline Refinance 
Discover our streamline refinance options to lower your interest rate. When a borrower is locked into a loan with an interest rate higher than what they should be paying, often due to changes in lending criteria after their loan was advanced, streamline refinancing can help by offering a lower buffering rate. Ultra, Prime, and Flex products are available, subject to credit score. Features include 100% offset accounts, Visa debit cards, up to 10 offset accounts per loan, free redraws, unlimited additional repayments, and flexible repayment schedules. Suitable for individual borrowers, companies, and SMSF with good conduct and clean credit history. Contact us for personalised refinance solutions.

Loan Features:
100% Offset Account: Reduce interest with a 100% offset account.
Visa Debit Card: Convenient access to your funds with a Visa debit card.
Multiple Offset Accounts: Up to 10 offset accounts per loan.
Free Redraws: Access extra repayments without any fees.
Unlimited Additional Repayments: Make unlimited extra repayments to pay off your loan faster.
Internet Banking: Manage your mortgage effortlessly with our online banking platform.
Flexible Repayment Schedule: Choose from weekly, fortnightly, or monthly repayments to suit your needs.

Eligibility Requirements:
Borrowers: Available for individual borrowers, companies, and Self-Managed Super Funds (SMSF).
Good Conduct: No adverse conduct in any debt or bank statements if held.
Credit History: Credit reports must show no adverse hardship or overdue repayments in the last 12 months.
Financial Stability: No adverse changes to the borrower’s circumstances, including indicators of financial stress (e.g., increased reliance on credit, higher credit enquiry activity) and financial stability (e.g., regularly clearing credit card debt each month if repayment history is held).

10.	Bridging Loans
Discover our Bridging Loan options that allow you to buy a new home before selling your current one. With variable interest rates, a 100% offset facility, and suitability for owner-occupiers and investors, our loan services provide flexibility and savings. Contact a Business Development Manager for extended bridging periods and tailored advice.

Loan Features:
Purpose: Facilitates the purchase of a new home before the sale of your current property.
Interest Terms: Interest is capitalised until the sale of your existing home, with a standard maximum period of 6 months. Extended bridging periods of 9 or 12 months are available upon discussion with a Business Development Manager (BDM).
Loan Servicing: Assessed based on the remaining debt after selling the current property.
Rate Type: Exclusively available with a variable interest rate.
Offset Facility: Offers a 100% offset account to help save on interest and accelerate loan repayment.
Suitability: Designed for both owner-occupiers and property investors.

Eligibility Requirements:
Must have an existing owner-occupied property with sufficient equity.
Must have a clear credit history.
Loan-to-Value Ratio (LVR) must not exceed 80% of the peak debt.

Accepted Securities:
High-density units.
Properties up to 10 hectares.
All metropolitan properties and Category 1 or Category 2 securities are acceptable.

11.	Family Pledge Loans
Explore our flexible mortgage loan options with free redraws, a Visa debit card with offset, and high LVR lending up to 110%. Ideal for Australian residents and citizens, including those with non-conforming credit. Family assistance guarantees and limited personal guarantees available for both owner-occupied and investment properties. Contact us to learn more about our comprehensive loan features and eligibility requirements.

Loan Features:
Free Redraws: Enjoy the flexibility of accessing extra repayments anytime without additional fees.
Free Visa Debit Card: Each borrower receives a Visa debit card linked to an offset account, helping you manage your finances efficiently.
Flexible Repayment Options: Choose a repayment schedule that suits your financial situation.
Loan Splits Option: Split your loan for a guarantor loan amount, offering more tailored financial solutions.
Family Assistance: Secure a loan with a family member’s guarantee, applicable for both owner-occupied and investment properties.
High LVR Lending: Borrow up to 110% of the property value to cover both the purchase price and additional costs.
Limited Personal Guarantee: The guarantor’s liability is limited to a specific amount, ensuring their financial security.

Eligibility Requirements:
Residency: Open to Australian residents and citizens living and working in Australia.
Credit History: Both clear credit histories and non-conforming/credit-impaired applicants are accepted.
Guarantor: Available for both owner-occupied and investment purposes, with an immediate family member acting as the security guarantor.
Servicing: Guarantors must service the guarantee portion, though borrowers with strong asset positions may be exempt.
Security: A first mortgage over the guarantor’s security will be registered.

Accepted Securities:
Residential Properties: Standard residential and habitable properties are accepted.
Property Size: Properties up to 10 hectares are eligible.
Location: All metropolitan, Category 1, and Category 2 securities are acceptable.

12.	Commercial
Discover our commercial loans with features like no clawback, offset facility, free redraws, unlimited additional repayments, internet banking, and flexible repayment schedules. Available for Australian permanent residents, corporations, and SMSFs. Suitable securities include retail shops, commercial offices, industrial units, shopping centres, medical suites, and more. Contact us for tailored commercial mortgage solutions. Enjoy the benefits of no clawback on your loan.

Features:
Offset Facility: Save on interest with our offset facility.
Free Redraws: Access additional repayments without any fees.
Unlimited Additional Repayments: Make extra repayments at any time to pay off your loan faster.
Internet Banking: Conveniently manage your loan online.
Flexible Repayment Schedule: Choose weekly, fortnightly, or monthly repayments to suit your needs.

Eligibility Requirements:
Individual Australian Permanent Residents
Corporations/Trusts
SMSF (Self-Managed Super Funds)

Acceptable Securities:

Retail Shops
Commercial Offices
Industrial Units/Factories/Warehouses
Shopping Centres
Medical/Professional Suites
Child Care Centres
Function/Reception Centres
Panel Beaters/Smash Repair Shops
Hotels/Motels
Car Yards/Car Parks/Car Washes
Fast Food Franchise Sites

13.	Self Employed 
Being self-employed offers numerous benefits, but obtaining a home loan can be challenging. At Well Nigh, we understand the unique hurdles self-employed individuals face, such as conservative lender assessments and the impact of declared taxable income. We offer tailored solutions to help you navigate these challenges.

Why Self-Employed Borrowers Face Challenges:

Lenders often perceive self-employed income as lower due to business expense deductions, which can affect borrowing capacity. Additionally, proving income stability requires more documentation, such as two years of personal tax returns and business financials.

Our Solutions:

Well Nigh provides customized home loan products for self-employed borrowers, including Prime Full Doc, Lo Doc, and Flex Full Doc options. We cater to various self-employment durations and scenarios, including:

2 years and above self-employed (full financials)
2 years ABN with directors' salary only
1 year self-employed with 3 years ABN
12 months to 2 years self-employed
6 months to 12 years self-employed
Foreign self-employed (minimum 2 years in the industry)
We accept a wide range of add-backs, making it easier to qualify. Whether you’re a new business owner or have an established enterprise, our flexible funding solutions are designed to support your home loan needs.

14.	Investors
Our Investor Specialised Products are crafted to provide mortgage managers with tailored funding solutions that cater to the unique requirements of property investors. These products feature investor-friendly calculators designed to simplify complex financial projections and optimise investment returns. Additionally, we offer specialised add backs, ensuring that expenses claimed with the ATO can be efficiently incorporated into the loan assessment process. This allows for a more accurate reflection of an investor's true financial position, enhancing their borrowing capacity and enabling smarter investment decisions.





Easy Access 
Add a button to download ‘Visa Debit Card Brochure’ which is doc  ‘WN067_Visa Debit Card Brochure’  
Include Visa Debit card picture attached on the page ‘MH 2022 MobilePay_Launch_Flyer’
Add a link ‘Conditions of Use’ with the attachment ‘WN198_2024_June_Visa Debit_Conditions of Use’ (similar to current site however the doc has been updated.
Add the text: 
‘Visa Debit card feature
With your 100% offset sub-account, you can choose to add a Visa Debit card to easily access your available funds from your offset sub-account, or even buy things using Visa payWave®.
You can withdraw up to $1,000 in cash per card and charge up to $5,000 per day, as long as you have the money in your offset sub-account. Any charges are per account (shared by all card holders) and includes the daily cash limits.’




 
 Mortgage Manager
Become an Accredited Mortgage Manager with Well Nigh
Why Choose Well Nigh as Your Funder?
At Well Nigh, we understand that selecting the right funder is critical to your success as a Mortgage Manager. Our aim is to equip you with the tools, support, and financial backing needed to thrive in the competitive mortgage market. Here’s why partnering with Well Nigh is the best choice for your business:
1. Comprehensive Support
Our dedicated team of experts is here to assist you at every stage. From initial onboarding to ongoing support, we ensure you have the resources and guidance needed to grow your business. With our hands-on approach, you’ll never feel unsupported; we’re committed to helping you succeed. Our BDM’s are awarded for their responsiveness and their experience in finding solutions to your complex scenarios. You will also have direct access to our Credit Team to ensure your deal is processed swiftly.
2. Competitive Product Range
Well Nigh offers an extensive range of mortgage products designed to meet the diverse needs of your clients. With competitive interest rates, flexible loan terms, and tailored solutions, you’ll be able to provide your clients with the best options available. Our product range covers everything from standard loans to niche offerings, ensuring you can cater to all market segments.
3. State-of-the-Art Technology
Stay ahead of the competition with our cutting-edge technology platform. Our system streamlines the loan application and approval process, making it easier for you to manage your pipeline and deliver outstanding service to your clients. Our digital tools are designed to enhance your efficiency and productivity, giving you a competitive edge in the market.  You will also receive own branded CRM system and Customer Care Portal.
4. Reputation for Reliability
Well Nigh is renowned for its reliability and consistency in the industry. Our strong financial backing and commitment to ethical business practices mean you can trust us to be a stable and dependable partner. We take pride in our reputation and work hard to maintain it.
5. Tailored Accreditation Process
We recognise that every Mortgage Manager is unique, which is why we offer a tailored accreditation process. Whether you’re just starting out as a Mortgage Manager or looking to expand your business, we customise our approach to suit your specific needs. Our goal is to help you get accredited quickly and efficiently, so you can start offering products to your clients as soon as possible.
6. Special Product Pricing
As you grow your business with Well Nigh, you’ll be rewarded with milestone achievements and access to special pricing. We value your success and offer exclusive benefits as you reach key milestones, ensuring that your growth is recognised and rewarded.
Ready to Get Started?
Becoming an accredited Mortgage Manager with Well Nigh is straightforward. Contact us today to learn more about the accreditation process and how we can help you achieve your business goals. Partner with Well Nigh, and together, we can build a successful future.
Testimonials carousel
1.	I have had the pleasure of working with Brijesh for last few years, his approach to assist our team is both innovative and effective, 
2.	Brijesh he has an exceptional ability to connect with our staff, understand our needs, and tailor solutions that not only meet but exceed our expectations. 
3.	Brijesh’s contributions have led to significant growth in our client base and have bolstered our reputation in the industry. 
4.	Brijesh is truly an asset to Well Nigh, highly recommend him to any business who would like to advance in this industry.
Include Well Nigh contact form




 

Contact Us 
Contact Us section to have 2 different contact forms for Mortgage Manager & Customer Care. When click ‘contact us’ it will ask you to select ‘Mortgage Manager’ or ‘Customer’. It will then take you to two form pages for each. Create in hubspot forms. 

Customer Care
Phone: <PRESIDIO_ANONYMIZED_PHONE_NUMBER>
Email: <PRESIDIO_ANONYMIZED_EMAIL_ADDRESS>
Location:
Level 34, 101 Miller Street, North Sydney NSW 2060
PO Box 1962 North Sydney NSW 2060

Hours
Monday	8:00am – 6:00pm
Tuesday	8:00am – 6:00pm
Wednesday	8:00am – 6:00pm
Thursday	8:00am – 6:00pm
Friday		8:00am – 6:00pm

Contact us Table and this should be emailed to <PRESIDIO_ANONYMIZED_EMAIL_ADDRESS> 

Contact us form for customer care should just include First Name, Last Name, Phone Number, Email, Company, Title and Message 

Mortgage Manager
Phone: <PRESIDIO_ANONYMIZED_PHONE_NUMBER>
Enquiries: <PRESIDIO_ANONYMIZED_EMAIL_ADDRESS>
Accreditation: <PRESIDIO_ANONYMIZED_EMAIL_ADDRESS>  
Location:
Level 34, 101 Miller Street, North Sydney NSW 2060
PO Box 1962 North Sydney NSW 2060

Hours
Monday	9:00am – 6:00pm
Tuesday	9:00am – 6:00pm
Wednesday	9:00am – 6:00pm
Thursday	9:00am – 6:00pm
Friday		9:00am – 6:00pm

Contact us form for Mortgage Manager should just include First Name, Last Name, Phone Number, Email, Company, Title, Message and add tick box ‘By ticking this box, you are agreeing to allow us to collect and store your name and email address for marketing purposes’. The Mortgage Manager contact form will be configured to add contacts to the lead list when the marketing button has been clicked.


News 
1.	The news page will include all the blog pages created in Hubspot. Each News article will have the date of the blog, the title and a picture. 
  
 Jessica Christman 9:00 AM

Hi Sandeep, Thank you for your application to my job post. Please find attached detailed job description and provide a quote. Thank you Jess

reply to client and ask very technical question to client ask budget