Resources to guide your finaning journey
We believe in providing more than just financial services; we’re here to offer guidance, education, and support as you navigate through your financial landscape. Our Resources page is a testament to our commitment to your financial empowerment. Dive in and discover the tools and information that will help you achieve financial clarity and success.
5 Key Metrics Lenders Use to Assess Your Development Finance Application
Discover the 5 key metrics that lenders use to assess your development finance application. From feasibility studies and Loan-to-Value Ratios (LVR) to developer experience and market demand, understanding these factors can help position your project for success. Learn how to reduce risk and increase your chances of securing favorable financing for your next development project.
The Essentials of Development Finance: An Overview
Development finance is a specialized solution tailored to property projects, offering flexibility for land acquisition, construction, and associated costs. Key metrics like Loan-to-Value Ratio (LVR) to Total Development Costs (TDC) and LVR to Gross Development Value (GDV) play a crucial role in securing the right funding. Partnering with an experienced mortgage broker ensures access to specialist lenders who understand the unique needs of developers, helping you navigate complexities and achieve project success.
Proven Strategies for Self-Employed Aussies to Get Home Loan Approval
Learn how self-employed Australians can secure a home loan with these expert tips on income proof, lender requirements, and financing options. Simplify the process today!
Understanding Commercial Property Valuations
When applying for a commercial mortgage loan in Australia, a property valuation is a basic component of the process. The valuation provides the lender with an independent and clear understanding of the property’s worth, helping them assess the risks associated with the loan.
Understanding Loan-to-Value Ratio (LVR) for Commercial Properties
When investing in commercial property, understanding Loan-to-Value Ratio (LVR) is crucial for managing risk and maximizing your investment. LVR is a key factor lenders use to assess how much they’re willing to lend and directly impacts your loan amount and interest rates. By keeping your LVR lower, you can not only improve your chances of loan approval but also secure better borrowing terms, making your investment more sustainable in the long term.
Unlocking Growth: Leveraging Cash Flow Loans for Business Expansion
Every self employed person dreams of seeing their business thrive. But reaching that next level often requires an injection of capital and getting those funds can be challenging to say the least. This is where cash flow loans can be a really powerful tool to propel your business towards exciting new horizons.
Unlocking Opportunities: An Introduction to Commercial Property Finance
Whether you’re a seasoned investor or exploring the commercial real estate market for the first time, understanding the finance options available is crucial to making informed decisions and maximizing your investment potential.
Unlock Financial Freedom: Growing Your Investment Portfolio with Commercial Property Loans
Building financial security is a top priority for many investors. While residential properties offer a solid foundation, incorporating commercial real estate can be the key to accelerating your wealth creation. This blog post will explore the advantages of commercial properties and how to navigate this market strategically.
How Unsecured Cash Flow Loans Can Drive Business Growth This EOFY
As we approach the End of Financial Year (EOFY), it’s a good time for business owners to explore strategies that can propel their businesses forward in the next financial year. A strategy that can significantly impact your EOFY performance is leveraging unsecured cash flow loans. The key to making the most of these loans in your business is understanding how they work and your own numbers.
The Basics of Leveraging OPM: How to Fund Your Business Growth
OPM, or Other People’s Money, refers to the practice of using borrowed funds to invest in and grow your business. The concept is rooted in the idea that you don’t always need to use your own capital to finance your business ventures. Generally speaking using your own funds will only take you so far. Leveraging external sources of funding will allow you to achieve your goals faster and more efficiently.
EOFY Finance Demystified: Smart Strategies for Business Growth
As the end of the financial year (EOFY) approaches, many businesses are gearing up for the annual sales rush. One often overlooked aspect of EOFY planning is understanding the various finance options available. Having an understanding of the various finance options...
Cracking The Code: What Lenders Look For In Your Capacity To Repay A Loan (Self-Employed)
So, we’ve talked about Capacity in relation to those people who have a ‘job’. When it comes to the ‘Self-Employed’, whether you’re a sole trader or you operate your business as a partnership, a company or a trust, it’s a whole other ball game.
When you’re employed by someone else, that someone else is responsible for paying you. When you work for yourself, you’re in charge of creating the income that pays you.
Cracking The Code: What Lenders Look For In Your Capacity To Repay A Loan
The next thing to discuss is right up there when it comes to getting your loan approved and that’s your Capacity to repay the debt.
The bottom line when we’re giving credit ourselves, whether we’re lending to a friend or family member as individuals or to a customer as a business owner, we want to know that we’re going to get that money back.
Cracking the Code: What Does A Lender Look At When Assessing a Loan Application
Lenders don’t lend money to inanimate objects or corporate entities, even if this is the ‘applicant’ on the application; lenders lend to people, whether they’re employees, business owners or company directors.
A lender wants to know more about the people, the owner(s) and the director(s) than just the financial numbers.
Cracking The Code: What Lenders Really Look For In Your Credit Score
There’s a lot of things lenders look at when they’re considering whether or not to approve a loan application.
Take the ‘Mis’ out of Misunderstanding
We understand you seek clear, straightforward communication. We want you want to navigate your finance needs without getting lost in technical jargon.
