Since the start of the financial year, the RBA has cut rates to an unprecedented 0.75%. What happens if rates crash through zero and into negative territory? In August, Reserve Bank governor Philip Lowe told Federal Parliament’s Standing Committee on Economics that the RBA was prepared to do “unconventional things” to kick-start a flailing economy.… Read more about Uncharted waters: what happens if rates go sub-zero?
In the last five years, Australians’ perception of banks has changed. For many, dealing with banks has become a challenging and sometimes confusing process. As banks become more hands-off with their customers, more people are turning to brokers for help with their finance needs. This trend leaves room for brokers to step in and provide… Read more about The rise of second-tier lenders in Australia
Small businesses can always benefit from an upgrade to existing equipment or from purchasing the very latest technology or machinery. However, the reality is that many business owners simply don’t have enough working capital to consider an outright purchase – making equipment finance an advantageous option. Even if you can afford to invest significant cash… Read more about The Small Owner’s Definitive Guide To Equipment Finance
As a business owner, it’s likely you have no shortage of competing demands on your capital. In your quest for growth, you might want to hire additional staff, move to bigger premises, increase production capacity, diversify your product range or spend more on marketing. Using traditional loans or cash to pay for new equipment and… Read more about How asset finance can help your business grow
Most small businesses use finance when they’re starting out. Access to finance can also help you manage your cash flow, cover unexpected expenses and purchase the equipment you need to grow. Different loans are designed for different circumstances so it’s important to find one that meets your needs in a cost-effective way. To help you… Read more about A Simple Guide To Small Business loans
Securing a business loan in Australia isn’t necessarily difficult but knowing how to navigate your way can be the difference between success and failure. Banks and other financial institutions offer a wide range of business finance options, from commercial property loans, commercial vehicle leases, and commercial and equipment leases, to simpler options such as letters… Read more about Seven Tips for Securing a Business Loan
Whatever your business needs, a finance broker can help you get approval for the most appropriate and cost-effective solution. Small business owners who need money to expand, invest in new equipment or smooth out their cash flow often head straight for the bank. However, just as a mortgage broker can draw on a wide range… Read more about 3 reasons to consider using a finance broker for your next business loan
When it comes to property investment, people tend to think of residential. But commercial property can offer some big advantages as well, either as a space for your own business or as an income provider. We examine the pros and cons of going commercial. From warehouses and offices, retail to car parks, there are some… Read more about Thinking of buying commercial property for rental? Here’s what to consider
Most Australians know mortgage brokers can help them find a home loan that meets their requirements. What a lot of people don’t realise is brokers can also help small business owners secure the right commercial finance for their business too. Many small business owners use the equity in their homes to cover their start-up and… Read more about More than home loans: brokers can help with business finance, too
Confused about the ins and outs of mortgage refinancing? There are two key considerations when you’re looking at taking the step – why and how. Here, we examine both. A home loan is generally a long-term proposition, but in some situations it can be suitable to refinance your mortgage. Refinancing involves taking out a new… Read more about Refinancing: what you need to know
With interest rates at an all-time low, taking the option of locking in an interest rate on your home loan to guard against possible future fluctuation may be attractive. However, it pays to know the ins and outs of fixed-rate loans before committing to one. When purchasing a property, borrowers can decide between fixed-interest loans… Read more about Explainer: fixed-rate loans
Whether you’re after lower repayments or want to tap into the equity sitting in your home, refinancing can offer a world of benefits. Here are some things to be aware of so that you don’t find yourself hooked into a bad deal. Don’t be fooled by the interest rate Finding a lower interest rate doesn’t… Read more about Refinancing traps to avoid
