Finance Guides & Lender Insights

Potentially. Acquisition finance is often assessed using verified earnings of the target business, but the lender will normalise those earnings and test whether they remain suffici…

There is no universal contingency percentage, but lenders and QSs expect a realistic allowance for cost escalation, design changes, latent conditions and programme slippage. A proj…

The lender does not normally hand over the full construction facility at settlement. The borrower submits draw requests for completed works and approved costs, often supported by Q…

Potentially. Compare the old payout, remaining term and exit costs with the new offered rate, establishment fees and term. A lower rate is useful only if the saving survives the fe…

Yes, some business acquisitions can be financed without residential property security, but the transaction usually needs a stronger case around verified earnings, buyer contributio…

Some business-loan products can be assessed using BAS, bank statements or other alternative income evidence instead of a full set of financial statements. That does not mean “no do…

Recent or repeated payday and wage-advance use can matter because it says something about current cash flow. One isolated emergency advance is different from borrowing every pay cy…

DA approval can increase a site’s value and lender interest, but the accepted valuation depends on market evidence, approval conditions, costs and time to construction. A land or p…

The label depends on lender policy, number of dwellings, borrower, purpose and whether the project is being built to sell or hold. A small two-dwelling owner project may fit reside…

Missed repayments can matter even without a formal default. OAIC says repayment history remains for two years and a payment more than 14 days late can be recorded as missed. Lender…