We believe in helping our clients to make informed decisions to find the most suitable finance option.
Discover the latest news on the Mortgage market here.
When it comes to funding a business, there are many options available in the market. However, choosing the lending option suited to your circumstances depends on a number of factors.
Small businesses are pivotal in Australia’s economy, contributing significantly to its Gross Domestic Product (GDP). However, as a small business owner, you wear many hats and often, securing funding and managing cash flow is up to you. Whether you can source funding and understand the options suited to your circumstances can be confusing.
Most businesses go through cycles of growth, and at some point, you may need to free up some cash flow, or you may be preparing for the future. Either way, it’s important to weigh all of your options before making a decision.
Large numbers of borrowers will soon be coming to the end of their fixed-rate period, with Commonwealth Bank alone revealing that $44 billion of fixed loans will expire this year, according to Canstar.
We work with a large panel of lenders, many of which are offering special deals to people who refinance, so there’s a good chance I can help you switch to a lower-rate loan. That will help offset any future rate rises.
National residential construction costs increased 9.0% over the 12 months to March 2022, according to CoreLogic’s Cordell Construction Cost Index.
That was the highest annual growth rate on record apart from the introduction of the GST in 2001, and means Australians are having to pay more money to build or buy new homes.
The big four banks have forecast that the Reserve Bank will begin lifting official interest rates from June. If and when that happens, lenders will almost certainly increase their home loan rates.
First home buyers can now save their deposit even faster after the First Home Super Saver Scheme savings threshold was increased from $30,000 to $50,000.
The Reserve Bank has said it will increase the cash rate at some point. When that happens, banks generally pass the rise over to consumers who experience a mortgage rate rise. So what can you do to prepare?
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Reserve Bank of Australia data for August shows owner-occupiers on three-year fixed loans were paying, on average, 1.26 percentage points less than those on the discounted variable rate.
Like securing a mortgage, your options for obtaining finance for a business or equipment purchase will depend on several factors.
Similar to a mortgage, your Business Loan is funded by a financier (such as a bank).
