Finance Guides & Lender Insights

Use a term loan for a defined amount that will be repaid over time; use a line of credit or overdraft-style facility when the balance genuinely needs to rise and fall with the oper…

Potentially. No credit history is not the same as adverse credit. Lenders can assess income, employment, expenses, savings and bank conduct, but a large first unsecured loan may be…

A forecast is necessary but rarely enough by itself for a material startup loan. The lender will test assumptions, owner contribution, experience, contracts or orders, assets/secur…

Home equity can bridge a commercial-property deposit and may lower the blended funding cost, but it moves investment or business risk onto the residential asset and can reduce futu…

There is no single commercial-property deposit percentage. The cash or equity required depends on the lender’s accepted property value, maximum LVR for that asset and borrower, pur…

Residual-stock finance can refinance completed unsold dwellings or lots out of an expensive development facility, provided completed value, remaining stock quality, debt, sales his…

Being the employee or manager who already runs the business can materially strengthen the acquisition story because operational and key-person risk is lower. The finance still need…

Choose fixed or variable based on the actual contract features you need, not a guess about rates. Fixed gives repayment certainty but can have early-repayment restrictions or fees.…

There is no single Australian personal-loan score that every lender uses. Credit reporting bodies can produce different scores, and lenders can apply their own scorecards and polic…

Several recent formal applications can weaken a car-finance file because they show repeated demand for credit and may leave the next lender unsure what was approved or declined. An…