Finance Guides & Lender Insights

Potentially. A senior lender may accept vendor finance as part of the acquisition stack, but it is not automatically treated like buyer cash. The lender may require vendor debt to …

For a personal loan, the credit score is only one summary signal. Lenders can also assess the underlying report: current debts, repayment history, defaults, hardship information an…

BNPL does not create one universal automatic-decline rule. A lender can consider current BNPL balances/limits, repayment commitments, account conduct and whether the borrower relie…

Australian super rules can allow an SMSF to acquire business real property from, or lease it to, a related party where strict conditions are met and transactions are at market valu…

For owner-occupied commercial property, the business’s ability to pay rent is replaced by its ability to service the property debt directly. The lender can assess business financia…

Commercial vacancy can last much longer than residential vacancy and can involve incentives, agent fees, make-good and fitout contributions. Keep enough liquidity to service debt a…

Negative equity means the lender payout is higher than the car's realistic sale or trade value. You can keep the car and reduce the balance, contribute cash to clear the shortfall,…

The finance repayment is only one part of car affordability. Add insurance, registration, fuel or charging, servicing, tyres, parking/tolls and a repair buffer. A car can pass the …

Land acquisition and construction can be financed separately, but the land lender should be chosen with the future development refinance in mind. A cheap land loan can become expen…

If the lender or QS recognises less completed value or an ineligible cost than the builder claims, the lender may release less than the invoice. The developer must resolve the disc…