Finance Guides & Lender Insights

Industrial warehouses can be attractive commercial security where location, access, building utility and tenant demand are broad. The lender still assesses lease expiry, vacancy, z…

Mixed-use property is assessed according to the actual title, zoning, floor-area or income mix, use and lender policy. A residence above a shop is not automatically a residential m…

Home equity can make an acquisition easier and cheaper by giving the lender strong property security, but it exposes the household asset and can reduce future home or investment bo…

Compare the two quotes using the actual amount financed, rate, fees, term and balloon. A lower weekly repayment can be more expensive overall if the balloon is larger, the term is …

Do not empty the operating account simply to reduce the ATO balance if doing so leaves the business unable to meet wages, suppliers or current tax. Model the minimum operating cash…

Interest-only can preserve cash during acquisition, vacancy or growth, but leaves more debt outstanding at maturity. Principal-and-interest reduces refinance risk and builds equity…

Potentially. The application enquiry can remain on your credit report even if you do not accept the loan. Several recent enquiries can make the next lender ask why you are seeking …

A medical-practice startup is usually easier to fund when the budget is separated into premises fitout, financeable equipment, technology/setup costs and working-capital runway. Th…

Six to twelve months is not automatically too early, but lender choice and amount can be much narrower than for a mature business. Some products use bank or BAS evidence after rela…

Potentially, but a paid historical default and a current unpaid default are very different credit profiles. A consolidation lender may consider the age, amount and type of default,…