Finance Guides & Lender Insights

Cheap new-car finance can be rational when the effective finance cost is genuinely below the value of keeping cash elsewhere, but compare the new car’s higher purchase price, fees,…

Owner-builder finance is materially harder because the lender loses the protection of an arm’s-length fixed-price head contractor. Selected lenders may consider experienced, licens…

A development funding gap is the difference between total project uses and the senior lender’s approved facility plus committed sponsor equity. Fix it before settlement or construc…

A personal loan can be a strong way to convert high-interest revolving card debt into a fixed repayment schedule. The structure fails if the old card limits remain available and ar…

Mezzanine finance sits behind the senior construction lender and ahead of ordinary equity, filling part of the developer-equity gap at a higher cost and risk. It can improve return…

Specialised commercial property can have a narrower buyer and tenant market and value tied closely to licences, fitout or a specific operator. Lenders may therefore use lower lever…

First establish whether the sales decline is temporary and whether the core business remains cash-profitable. Then quantify all debt, asset sale values and the break-even. Refinanc…

A low advertised rate can coexist with substantial introducer, origination, establishment and monthly fees. If those fees are financed, you also pay interest on them. Ask for every…

A profitable same-brand operator can present a materially stronger case than a first-time franchisee, and some lenders have specialist franchise or cash-flow appetite. Do not assum…

Potentially. Casual employment does not automatically rule out car finance. Lenders can consider tenure, consistency of hours and income, occupation, credit history, deposit and th…