Finance Guides & Lender Insights

A lawyer or conveyancer should not assume a paid finance referral is automatically permitted just because the client needs lending. The answer depends on professional rules, confli…

APES 110 does not treat referral commissions as ethically invisible. Receiving a referral fee or commission relating to a client can create a self-interest threat, so an accountant…

Potentially. A 6–12 month property-backed business loan can suit a defined business-purpose bridge where the borrower has suitable Australian property security and a credible repay…

Accountants can be paid for suitable finance referrals where the arrangement is permitted and properly documented. The value is not one fixed percentage: it can vary by product, tr…

Equity release usually increases borrowing under a first-ranking lender or replaces the existing first mortgage through refinance. A genuine second mortgage leaves the first mortga…

Potentially. A second mortgage can be used for a genuine business purpose where a lender accepts the property, total leverage, existing first mortgage, borrower risk and exit. The …

Short-term property-backed business finance can suit a time-bounded business need where Australian real property is available as security and there is a credible exit such as refin…

Potentially, but an adviser should check the arrangement against the rules that apply to their practice, including their AFSL/licensee policies, conflicts and disclosure obligation…

Potentially. A borrower may be able to keep an existing first mortgage in place and raise separate business-purpose finance secured against the same property, but this depends on t…

A useful starting estimate is: property value × target total LVR − existing secured debt. For example, a $1.5m property with $650k already secured against it has $400k of mathemati…