Business Finance

When taking the plunge into the world of home loans and property investment, the challenge often lies in knowing which expert to approach for help. Finance brokers and financial planners, although similar in their professional outlook, cater to different financial endeavours. Brokers that deal in home loans must be qualified and licensed loan advisers with in-depth knowledge of home loans and options suitable for a range of different financial situations. They negotiate with lenders to arrange loans and help manage the process through to settlement. Options relating to loans and refinancing can only be recommended by qualified brokers. In contrast, financial planners assist with anticipating and managing long-standing financial outlook. They help sort through and select options for investment and insurance, with attention paid
If you are concerned about servicing your loan, reach out to your local mortgage broker for help. As Australians everywhere take a close look at their financial circumstances, mortgage brokers stand…
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. It may be that unconventional measures are needed for unconventional economic times. At the same time as early signs are showing that the housing market is starting to find its feet in a low-rate environment, the government slashed its expected revenue during December – erasing almost half the surpluses originally predicted through to 2023. The Australian unemployment rate ended 2019 at 5.25%, wage growth has again been revised down
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 support when customers need it most. They can offer an easier, more straightforward process for those clients, such as the self-employed, who don’t fit the traditional banks’ model of an ideal customer. This growing market share of brokers not only creates greater efficiency but also allows them to be more competitive. Here are three key reasons why second-tier lenders are growing in popularity with borrowers in Australia. Personal borrowers
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 into new assets, you are likely to be left with less capital to finance regular operations and explore new growth opportunities. According to the Commercial Asset Finance Brokers Association of Australia (CAFBA), the asset finance market in Australia is worth $100 billion in receivables, at any given time, and around $40 billion in new equipment loans are written each year.1 What are the most common types of equipment finance?

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