In 2020, many retail businesses have pivoted their models to incorporate delivery – as opposed to traditional ‘bricks and mortar’. Some businesses are switching back now that restrictions are easing, but not all. So how is this changing the commercial property landscape? The new, newer normal In a year full of uncertainties, there’s no doubt… Read more about Delivering the Goods: Are our buying habits driving industrial property demand?
In late June, during an online panel discussion hosted by ANU’s Crawford School of Public Policy, RBA Governor Philip Lowe said what many had already assumed: “I think it’s likely we’re going to see interest rates at their current level for years”. So it was no surprise that rates have been held at 0.25% for… Read more about Back in Action: How long-term low interest rates could benefit your business
In business, growth is often the goal. But for many businesses, expansion means needing new equipment, vehicles, machinery or technology – and that all costs money. Asset finance can help reduce the initial outlay, while your business gets what it needs to scale. Here are some key things to consider before you apply and what… Read more about Getting what you need to get ahead: asset finance explained
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 ready to lend a helping hand. Whether experiencing financial hardship through job loss, a reduction in work hours, or business disruption, an increasing number… Read more about Concerned about servicing your loans?
Whether you need funds to get a new enterprise off the ground or are looking for capital to take things to the next level, it’s important to understand if a business loan is right for you, what types of business loans are available, and what’s involved in the application process. Step 1: Explore the… Read more about Capital Gains: securing the finance your business needs
Low rates mean those with mortgages may be breathing a sigh of relief, but low interest on savings accounts make it much harder to save and grow your money. Have you checked the amount of interest you’re getting your savings accounts recently? Chances are it’s sitting around 1%. The RBA’s record-low interest rate is designed… Read more about Invest or save: growing your money in a low-rate environment
The RBA’s decision to hold on interest rates gives us time to take a deeper look at what is going on. After all, there could be further cuts. What drives the decision making? What could send rates lower? To cut or not On the first Tuesday of each month, except January, the RBA board meets… Read more about Behind the curtain: what drives RBA decision making?
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