Author Archive

Can your SMSF buy your business premises? How SMSF commercial property purchases work, borrowing rules, leasing to your own business, costs and risks.

Seven practical tips for securing a business loan in Australia: know your numbers, choose the right loan, prepare your documents, offer security and use a broker.

Eight reasons to use a finance broker instead of going straight to your bank: more lenders, better structure, less paperwork, specialist knowledge and ongoing support.

The five things every lender assesses in a loan application, known as the 5 Cs of credit: capacity, capital, collateral, character and conditions.

What LVR (loan-to-value ratio) means, how to calculate it, typical maximum LVRs for home, commercial and low doc loans, and how LVR affects your rate and LMI.

Why a good finance broker checks in after your loan settles: annual reviews, fixed rate expiries, refinancing, changing business needs and the next deal.

How to check a lender before you borrow: credit licences, AFCA membership, red flags and loan scams to watch for, and the questions to ask before you sign.

The pros and cons of a line of credit for businesses and property owners: how it works, when it saves money, the risks, and alternatives to consider.

Solicitor or conveyancer? What each does when you buy property, when a straightforward purchase only needs a conveyancer, and when you need a solicitor.

Can buy now pay later affect your home loan? How BNPL is now regulated, how lenders treat BNPL accounts and repayments, and what to do before you apply.