Sean Breen

7. more than home loans why a broker can help you with...

More than home loans : Why Mortgage Brokers can help you with commercial and asset finance

Mortgage brokers have expertise in residential home lending and other property loans. They can also play an important role in helping businesses find and secure commercial and asset finance at competitive rates, by leveraging their network of lending institutions. With so many lenders and products to choose from, it’s important to get the right business funding mix from the outset. Many brokers have a deep understanding of the commercial sector and the wide range of products available. They’re well placed to identify the most appropriate financing structures for you, based on your type of business and specific needs. At Conquer Finance, we are experienced, Business Finance specialists and here are some advantages to having us manage your commercial and asset finance requirements : Managing
6. 5 things first home buyer-min

5 things first-home buyers need to know

If you are thinking of purchasing your first property, there are a number of things to consider, including your financial status and personal circumstances. (1) Think about why you want to buy a home Are you buying a place to live in or will it be an investment property? The answer to this question can help determine the kind of loan you apply for and home you buy, depending on your short and long-term plans.  (2) Research potential properties and loans Knowing the market is crucial, so sure you conduct some research on the areas you are looking at, check out price trends, as well as auction clearance rates and recent sales. Once you are aware of what you are looking for and the
5. loan before property-min

Should I organise a loan before buying a property?

Whether it is your first home or third property, it is an emotional journey and it’s easy to get carried away with the fun part of looking at houses. This should not distract from the less exciting, but equally important task of arranging finance as it will likely strengthen your negotiating position on both the property and the loan. Buying property is an exciting time. Choices regarding location, size, number of rooms and local amenities often see house hunters carried away in a deluge of daydreams and anticipation. Before getting caught up in the search, it’s important to get the essentials sorted first. Organising finance may seem boring in comparison to perusing sales listings, however gaining pre-approval with a lender will give you confidence
improve-the-cashflow-of-my-business

Improve the Cash Flow of my business

If you’re running a small business, one of the biggest problems you face is cash flow. There are many ways to improve the cash flow of your business, and here we look at some of the ways in which you can do that, including:     Overdrafts     Credit cards     Factoring, debtor finance or invoice finance     Trade finance or stock finance     Car leasing     Equipment leasing Overdrafts – traditional but declining The original way for businesses to improve cash flow. Convenient and easy to use, however they can also be costly with ongoing fees to maintain the facility and higher interest rates. With more flexible business finance products emerging, overdrafts are becoming a less popular way
what-type-of-loan-is-right-for-you

What type of loan is right for you?

The array of mortgages available helps a good credit adviser to tailor a package to suit your needs. Here are just some of the options. Fixed-rate mortgages With a fixed-rate loan, you know exactly how much you’ll pay per fortnight or month for the fixed period of the loan (usually one to five years). Variable rate mortgages Repayments can change during the life of a variable-rate loan, so you may pay more or less as interest rates rise or fall. If you’re fairly sure that rates are set to fall, this is a good option. Principal and interest mortgages In this mortgage, you are paying the amount lent to you plus the interest. Interest-only mortgages With interest-only, you are paying just the interest on
should-you-refinance-better-deal

Should you refinance for a better deal?

Refinancing can bring down the overall cost of servicing a loan by taking advantage of lower interest rates. But sometimes it’s not always the best, or the only, option. There are many different factors you need to consider when thinking about refinancing a loan. The first step is to speak to an expert, like Conquer Finance, about your needs and whether you can afford to service a different loan structure. At this point, we will need to understand what your current and future financial goals look like, and also obtain information about your current loan including structure, repayments and costs. We also need to consider the current value of your property, so we have access to current data which indicates what the asset is
why-use-finance-broker

Why would I use a Finance Broker?

Because they can save you time and money. As the home loan market becomes increasingly complex, more people are turning to finance brokers. Here are some of the reasons. Finance brokers can save time The choices now available in the mortgage market can seem limitless and completely overwhelming. You can choose to research the subject, the lenders and their products yourself, or work with a finance broker who already has that knowledge. Finance broker gives you choice All finance brokers have a panel of Lenders from which they recommend a loan. They have to become accredited with the lender to offer their product, and are required to keep up-to-date with their latest offers. Finance broker can help find the right loan The best deal is not necessarily

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