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FINANCE SOLUTIONS FOR THE SELF-EMPLOYED

FINANCE SOLUTIONS FOR THE SELF-EMPLOYED For people who work for themselves being able to obtain finance to buy a home, grow their business or purchase another asset can be a very challenging exercise. For a lot of self-employed there is a delicate balance between showing the Bank enough income to be able to repay aContinue reading “FINANCE SOLUTIONS FOR THE SELF-EMPLOYED”

Best Interest Duty

WHY DEALING WITH A BROKER IS IN YOUR BEST INTEREST For anyone who is looking to obtain Home Loan finance for a new purchase, refinance their existing loan or complete some renovations to their home, there is a choice to be made on who you engage to arrange the loan for you. Do you goContinue reading “Best Interest Duty”

WHY THE FESTIVE SEASON IS A GREAT TIME TO REVIEW YOUR FINANCES

As the Christmas and New Year period approach we are focused on spending time with family, perhaps getting away for a well-earned break and preparing to put a difficult 2020 behind us. This time of year is a great time to relax and enjoy being with our loved ones, but it is also a timeContinue reading “WHY THE FESTIVE SEASON IS A GREAT TIME TO REVIEW YOUR FINANCES”

CHANGES TO RESPONSIBLE LENDING OBLIGATIONS

CHANGES TO RESPONSIBLE LENDING OBLIGATIONS ON BANKS TO MAKE IT EASIER FOR BORROWERS TO ACCESS HOME LOANS In a recent Federal Government announcement there are plans underway to loosen the responsible lending obligations on Banks and other credit providers to make it easier for everyday Australians to access credit products, such as Home loans, CreditContinue reading “CHANGES TO RESPONSIBLE LENDING OBLIGATIONS”

HOW HEALTHY IS YOUR HOME LOAN?

As most of us are impacted by the effects of social distancing in the wake of the COVID-19 pandemic, be it physically, emotionally or financially, it is becoming increasingly important for anyone with a mortgage to understand whether their current loan is the best solution to meet any potential change in circumstances. Borrowers need toContinue reading “HOW HEALTHY IS YOUR HOME LOAN?”

FINANCIAL SUPPORT FOR SMALL AND MEDIUM BUSINESS

There are over two million small and medium enterprises in Australia, all of which have been affected in some way by COVID-19, be it positively or negatively. There have been several initiatives announced to help these SME’s through the crisis, the major ones being JobKeeper and the Coronavirus SME Guarantee Scheme. What is this schemeContinue reading “FINANCIAL SUPPORT FOR SMALL AND MEDIUM BUSINESS”

The 5 C’s of Lending – The Secret to Getting Your Mortgage Application Approved

There are many aspects to a Home Loan Application that financial institutions consider when assessing whether to approve or decline the application. Primarily the success or failure of an application will come down to the applicant’s ability to overcome the 5 C’s of credit: Character, Collateral, Capacity, Capital and Conditions. So what are these C’sContinue reading “The 5 C’s of Lending – The Secret to Getting Your Mortgage Application Approved”

First Home Loan Deposit Scheme

In February I wrote about the launch of the Federal Government’s First Home Loan Deposit Scheme, a program designed to support eligible first home buyers, who have managed to save a 5% deposit, buy a home sooner. The scheme proved to have a great take-up rate, with the initial 10,000 places fully subscribed, meaning aContinue reading “First Home Loan Deposit Scheme”

SMSF Lending

PLANNING TO BUY A PROPERTY IN YOUR SMSF? WHAT YOU NEED TO KNOW. For some time now if you have a Self-Managed Super Fund you have been able to borrow from a Financial Institution to buy a property for investment purposes. Many SMSF’s have taken advantage of this option to invest in bricks and mortar,Continue reading “SMSF Lending”

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