How we help
How a Finance Broker Can Help You Secure the Best Deal Navigating the world of finance can be complex, especially when it comes to securing loans or structuring your financial future. Whether you’re a first-time homebuyer, a business owner seeking funding, or an investor looking for the right lending solutions, working with a finance broker […]
Tips and tricks; paying off the mortgage
Tips & Tricks for Paying Off Your Mortgage Sooner 1. Make Extra Repayments Whenever Possible Even small additional payments can significantly reduce your loan term and interest. If your loan allows it, set up automatic extra repayments or use windfalls like tax refunds and bonuses. 2. Switch to Fortnightly Payments Instead of monthly payments, opt […]
Understanding the bank’s questions
What Banks Look for in Your Loan Application Applying for a loan, whether for a home, investment, business, or personal use, requires careful preparation. Banks assess various factors to determine whether you meet their lending criteria. As finance brokers in Australia, we help clients navigate this process by ensuring they provide the necessary information for […]
FAQ Car Finance
Frequently Asked Questions: Car Finance Options in Australia As a finance broker, I often receive questions about car finance options in Australia. Whether you’re buying your first car, upgrading to a new vehicle, or looking for a cost-effective financing solution, understanding your options is crucial. Below are answers to some of the most common questions […]
Why LMI won’t protect you
Frequently Asked Questions (FAQ) about Lenders Mortgage Insurance (LMI) 1. What is Lenders Mortgage Insurance (LMI)? Lenders Mortgage Insurance (LMI) is a one-off insurance premium that protects the lender—not the borrower—in case the borrower defaults on their home loan repayments. It is typically required when a homebuyer has a deposit of less than 20% of […]
How to use invoice finance
How to Use Invoice Finance Step 1: Determine If Invoice Finance is Right for You Invoice finance is best for businesses that: Have unpaid invoices with long payment terms (30-90 days). Need quick access to cash for operations or growth. Have customers with a strong payment history. Step 2: Choose the Right Type of Invoice […]
Want to talk mortgages?
What Can Impact Your Borrowing Ability Buying a home is one of the most significant financial decisions you’ll make in your lifetime. Before you start house hunting, it’s essential to understand what factors can impact your ability to secure a mortgage with the best possible terms. As a mortgage broker, I’ve seen firsthand how various […]
Simple cashflow lending
Cash Flow Lending FAQ Managing cash flow is crucial for businesses to keep running smoothly. Sometimes, businesses need extra cash to cover shortfalls. This FAQ explains cash flow lending options to help businesses get funding without needing a lot of collateral. Frequently Asked Questions 1. What is Cash Flow Lending? Cash flow lending lets businesses […]
What is negative gearing?
Negative Gearing: A Finance Broker’s Perspective Negative gearing is a common investment strategy in Australia, particularly in the property market. It refers to borrowing money to invest in an asset where the costs of owning the asset, including interest on the loan, exceed the income generated by the asset. This creates a financial loss, which […]
Improving bad credit
Improving Bad Credit: A Guide for Australians A poor credit rating can create obstacles in securing loans, credit cards, or rental properties. However, Australians with low credit scores can take proactive steps to enhance their financial standing and regain access to better borrowing opportunities. What Is a Credit Rating? A credit rating, or credit score, […]