Business, Equipment & Home Finance for SMEs
Many businesses and homeowners are asking the question, "should I refinance to get a better deal"? (This is not surprising given the recent rapid rate increases with the prospect of more to come). According to the Australian Bureau of Statistics, "the value of borrower refinancing of owner-occupier housing loan commitments between lenders rose 9.7 per [...]
The federal government first home buyer Home Guarantee Scheme is designed to help eligible applicants purchase their first home. According to the National Housing Finance and Investment Corporation, since launch, the Scheme has assisted more than 61,000 people purchase or build their first home. The intent of the Scheme is to help Australians with less [...]
A question I am often asked by clients is “What is the difference between Invoice Finance and Factoring”. While both invoice a Lender advancing funds against your debtors, how they work, and their cost is quite different. Of the two, Invoicing Finance is the most popular and is increasingly being used by businesses in Australia [...]
With interest rates rising, a question I am regularly asked by clients is, “should I fix my home loan interest rate, or is it better to stay variable?” The answer is that it depends on your situation & whether fixing the rate, will provide greater certainty and peace of mind. However, whilst fixing your rate [...]
Commercial Property has traditionally proven a sound investment for investors in Australia for over a long period. However, while things appeared relatively positive in the last quarter of 2021, a lot has changed since then. According to the ANZ-Property Council Survey released in July 2022, uncertainty regarding the economy, rising interest rates and concerns about [...]
With interest rates rising, and uncertainty around the near- term outlook, it can be tempting to put off Equipment Financing decisions. Supply chains have been disrupted, interest rates are rising, and business input costs, particularly petrol and gas, are increasing. In these circumstances, it is easy for business owners to delay purchasing the equipment they [...]
Have you ever considered how much better your cash flow would be if everyone paid what they owed you? One option that is often overlooked is Invoice Financing. Invoice Finance is ideal for businesses with a quality debtor book looking for a way to finance growth. It is ideal for businesses with a quality debtor [...]
The Property Investment Handbook was launched today. The Handbook is a guide for both new and experienced property investors. If you are thinking about investing in property, or an experienced investor, download a free copy of our handbook. Why the Property Investment Handbook was Created Property Investment has helped many Australians create long-term wealth. Its [...]
Sale and leaseback of equipment is a financial option available to businesses that is something of a hidden secret! It provides businesses with the opportunity to raise funds against business assets that they have purchased and inject funds back into the business. However, the timing of the loan application and drawn down is crucial. Why [...]
When you seek to borrow money your credit score is important! Your credit score is one of the key considerations used by Lenders to decide whether they should lend you money, on what terms and at what rate. It is a valuable asset, that needs to be monitored and protected. What is included in your [...]
