Finance Guides & Lender Insights

Rent rolls can attract specialist business lending based partly on the recurring management income and book value rather than real-property security, but leverage, valuation and bu…

Guaranteed Future Value sets a future vehicle value subject to the finance contract’s conditions. It can provide keep, return or trade options at term end, but kilometres, conditio…

Do not simply pay the seller in full and trust them to clear the loan later. Obtain a current payout, verify the PPSR security, and structure settlement so the existing financier r…

There is no single SMSF commercial-property deposit rule. Lender leverage can depend on property type, liquidity, lease strength, fund contributions and the LRBA structure, while t…

Yes, if the facility is capped by a percentage of lender-accepted GRV or completed value. A lower valuation can reduce available debt even if construction cost has not changed, cre…

Potentially, but do not choose a lender from the score number alone. Identify what is driving the score and whether it is current or historical. Waiting helps only when time and cl…

Commercial development relies more heavily on end-investment value, tenant or prelease assumptions, cap rates, specialised construction and the completed refinance or sale market. …

Potentially. Improved income, clean repayment history and an older/stronger credit profile can widen lender choice, but the refinance only makes sense if the new offer beats the cu…

A car lender can assess defaults, repayment history, enquiries, hardship and current facilities alongside income, affordability and the vehicle. Strong income helps serviceability,…

Presales reduce market and exit risk by demonstrating demand and locking in some future settlements. The lender can test the number, value, deposit, purchaser quality, sunset/settl…