Finance Guides & Lender Insights

Development lenders commonly test more than one leverage measure: loan against current or completed value, loan against total development cost and sometimes debt as a percentage of…

A build-to-sell facility relies on settlement proceeds and may require presales. A build-to-hold strategy requires a credible completed-investment refinance based on valuation, ren…

Profit and cash flow are different. A business can report profit while cash is tied up in debtors, stock or equipment, or while loan principal and tax fall due before customer rece…

BAS can provide current turnover evidence, but turnover is not profit. Financial statements show costs, margins, assets, liabilities and sustainable earnings. A lender may reconcil…

Fixed-term employment does not automatically make a personal loan impossible, but some lenders have stricter employment-tenure rules than others. The relevant facts include PAYG ve…

A car loan can materially reduce home-loan borrowing capacity because its repayment is an existing commitment. There is no reliable universal rule such as '$30k car loan equals $30…

Potentially. Fixed-term employment does not automatically rule out car finance, but lenders can consider remaining contract term, renewal history, occupation, prior employment cont…

For repeat stock purchases, a revolving line of credit or trade/inventory facility can fit better than a fixed term loan because the balance can rise and fall with the stock cycle.…

A trust acts through its trustee. If the trustee is a company, the lender may document the corporate trustee as borrower in its capacity as trustee and may also require director or…

Development facilities often allow approved interest and fees to be capitalised into the facility during construction, subject to the lender’s budget and maximum leverage. That pre…