Home' South Gippsland Sentinel-Times : March 15, 2017 Edition Contents THE SOUTH GIPPSLAND SENTINEL-TIMES, WEDNESDAY, MARCH 15, 2017 - PAGE 15
0429 121 082
mobile finance broker
Available at your convenience
Your place or mine
l Mortgage loans
l Personal loans
l Asset finance
Disclaimer: Your full financial situation will need to be reviewed prior to acceptance of any offer or product.
LS Finance Broking Pty Ltd, Credit Representative (495763) is authorised under Australian Credit Licence 389328.
AFTER 23 years in the bank-
ing and finance industry, Lyn-
da Sainsbury has decided to
launch her own finance broking
business in Wonthaggi.
LS Finance Broking will
provide mortgage loans, per-
sonal loans and asset finance,
and is looking to include self-
managed superannuation fund
loans and commercial loans in
Lynda has worked in the
Commonwealth Bank, Won-
thaggi branch, for over nine
years as the Personal Lending
Manager and brings 15 years’
experience in this role. She
has recently obtained her Di-
ploma in Finance Mortgage
Broking and Management and
also holds a Diploma in Finan-
cial Services (Retail Lending).
Lynda said Wonthaggi has
been lacking the presence of
a full-time financial broker for
“The trend is for clients to
move away from the banks for
mortgage applications, ”
“More than half of the mort-
gages written in 2016 in Aus-
tralia were written by brokers
and that trend is on the in-
“I’ll still be writing loans for
the Commonwealth Bank as a
broker and I’d love to continue
my relationships with existing
CBA clients. ”
“ Local clients, not meeting
the lending requirements of
the Big 4 Banks, now have a
local on their side to try and
obtain a finance approval. I
have lenders on my panel that
are willing to look at applica-
tions on a case by case ba-
sis and are more prepared to
provide more flexible lending
This is fantastic
for clients as they now have
access to my experience and
knowledge to seek finance
elsewhere. ” , Lynda said.
LS Finance Broking is be-
coming accredited with more
than 10 different lenders. More
lenders will be added over the
coming months to broaden the
portfolio of lenders in our panel
which will include all the major
The service will be mobile,
providing convenience for cli-
ents with appointments being
held either in clients’ homes,
their workplace or at the LS
Finance Broking office, if re-
quired. Flexibility is also of-
fered via appointment days
and times with LS Finance
Broking being available 7 days
a week, both inside and out-
side of normal business hours.
Lynda acts as the middle
man and may be able to ne-
gotiate a more favourable rate
than what the client can get for
“I pride myself in customer
service and the feedback I’ve
received over the years is that
I’m very easy to talk to, be-
cause I talk to clients at their
“W ith first home buyers, I re-
member when I bought my first
home, the lender wasn’t very
good and didn’t explain much
to me at all”.
“I don’t want my clients to
experience that for their first
home, so I make sure I’m ex-
tremely thorough in explaining
the process. I provide all the
information they need to know
about the First Home Buyers
Grant, the government and
bank fees and charges, differ-
ent loan options and anything
else they need to know.”
Disclaimer: Your full financial
situation will need to be re-
viewed prior to acceptance of
any offer or product.
Lynda offers new finance service
MOST people are aware that the rates for de-
pression and suicide in Australia are at an all-time
high. What most people are not aware of are the
truly alarming figures. In 2015 over 3000 people
in Australia died by way of suicide. Just to put
those figures in perspective, that is roughly double
the road toll. Scary, right? It gets worse.
Of those people who die each year by way of sui-
cide, 75 per cent are men.
So, you may ask, if the numbers are so high, why
are we not more pro-active in putting measures in
place? Very good question. You may also ask why
men are more affected than women. Another very
good question. The answer to both questions is
The Black Dog Institute has managed to isolate
those men who are “at risk”.
These risk factors account for some 80 per cent
of male suicides in Australia and include:
• Unhelpful conceptions of masculinity - the
‘tough Aussie bloke’ stereotype in particular;
• A period of disrupted or depressed mood;
• Social isolation;
• At least one personal stressor, like unemploy-
ment or relationship breakdown.
Whilst the typical public perception of masculin-
ity cannot be blamed in its entirety, it is the reason
that differentiates the rates of suicide between men
Many of our boys are still being taught that “real
men don’t show emotions, toughen up mate” – or
words to that effect.
Showing emotion, discussing problems, or even
feeling emotional pain is still seen by our society as
a sign of weakness amongst men... and there lies
the chief problem!
Given that concept, many men are unwilling to
discuss their problems or seek out counselling
when the stresses of life catch up with them.
Women, on the other hand, are natural counsel-
lors. They talk to their friends about problems and
are more willing to seek out help when they feel
anxious, stressed or depressed.
Okay, so that may explain the difference in the
suicide rates between the genders, but why is more
not being done? Same reason. Mental health is-
sues are still perceived to be a sign of “weakness”.
Depression and suicide are still seen as things to
be ashamed of. This thinking must change if our
rates of depression and suicide are to move at all.
As a mental health professional, I find this way
of thinking frustrating at best. Let me put it to you
another way. Many men have that fantasy car that,
if finances permitted, they would have parked in
their garage. For the sake of argument, let’s say you
have just purchased a brand new, top of the range,
This car is engineering at its finest. We think
nothing about making sure the engine is finely
tuned, has the right fuel, oil and goes in for a regu-
lar service. Of course you are going to look after
this car because no matter how well designed,
things go wrong. You could say that the engine is
the epi-centre of the motor vehicle. Of course you
need to look after the body, but without a working
engine, you are not going anywhere!
We could view the brain as our engine. It is the
epi-centre of our body. It is the organ that controls
movement, thoughts, feelings, speech, emotions –
to name but a few. It is an incredibly complicated
feat of engineering.
Without healthy thoughts, feelings or emotions,
our life journey can be pretty miserable. Much like
our sports car, why would you assume that things
cannot go wrong?
Just to make our statistics even scarier, suicide
is more prevalent in rural areas.
Humans need the comfort of other humans. We
are pack animals. Social isolation, or jobs that
are isolating – such as farming, only increase the
chances of depression setting in. Throw in a di-
vorce, or financial hardship – and you have the
perfect recipe for depression and/or suicide.
Great, but what do we do about it? First, realise
that seeking help is a sign of strength, not weak-
ness. Working through life’s pressure is difficult
and it takes support and strength to face those
Second, it is important to understand that you
are not alone. Many people in this region are
feeling pressure – whether that be financial, per-
sonal, or both. Feeling stressed, depressed or sui-
cidal makes you human, not weak. Talk – to your
friends, spouse or a counsellor.
Third, depression need not be a death sentence.
It is not a terminal state. A counsellor will have
tools to help you.
Kate Hocken is a local counsellor. She is
situated at Eternal Health Centre, Shop 3,
9 Peart Street, Leongatha. Kate is currently
undertaking research on local factors that
are affecting men’s mental health. If you are
suffering from depression or having suicidal
thoughts, it is vital that you seek help. Speak
to your doctor, or give Kate a call on 0408 122
608. You can also phone Lifeline on 13 11 14
or go to www.beyondblue.org.au
The male mental
By Kate Hocken,
Counsellor, Eternal Health Centre
KIP McGrath helps kids fit in a school. Mad-
dy is a shining example of this.
When Maddy started at Kip McGrath she
found maths confusing.
She thought she was “bad” at maths and
started her work with the attitude that it would
be too hard.
Nicole Hynes, the director at Kip McGrath
Wonthaggi, said Maddy started on a program
that was specifically designed for her.
“From Maddy’s initial assessment we could
identify the areas where Maddy needed help.
Developing a program especially for her has
seen her flourish.
“Once a student moves from a mindset of ‘I
can’t do it’ to ‘I can do it’ we see a rapid growth
in confidence and ability, making school more
enjoyable for them.”
The students have good things to say about
attending Kip too.
“I love my tutor. Tracy is so kind, she makes
me feel good about myself,” Maddy said.
Another student, Charley, is super proud.
“My teacher said I’m doing really well at
maths now. When I started, maths was pretty
difficult but now it’s a lot easier.”
Noah was reluctant to get started on his work
in the beginning.
“I used to think it was going to be too hard
but now I like to do it because it’s much easier.
It’s really helping with my school work.”
Kip McGrath designs programs specific to
your child’s needs.
If you have someone you love who is finding
it difficult to keep up at school, call Nicole at
Kip McGrath now to book your free assessment
Making maths easy
Young Maddy is making great progress with
her maths with the help of Kip McGrath Won-
thaggi. She is with director Nicole Hynes.
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