23.08.20

Commercial Property & Finance

Commercial property is used for business activities, or to generate a profit through the collection of rental income or capital gain. It can be in many forms including office buildings, hotels & m...
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04.04.20

Credit Scores

Your Credit life only is as good as your Credit Score. You may have heard about credit scoring in the context of your finance application. A credit score is a statistical number that, based on cr...
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04.04.20

What is my Business Worth?

So you run your own business?  Do you know what it is worth?  How do you value it? Is it a Business? According to data produced by the Australian Small Business and Family Enterprise Om...
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04.04.20

Debt to Income Ratios

Debt to Income Ratios (“DTI’s”) have been a part of financial analysis for a long time. So whilst not new, we are hearing them as a language in mortgage lending.  First the...
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04.04.20

Fixed Interest Rates

Fixing the interest rate on your loans can provide certainty for your cash flow. It does bring some limitations, so it should be a considered part of your debt management strategy. In Australia, you c...
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02.04.20

Open Banking

The ACCC released the official Consumer Data Right (CDR) Rules, clarifying ways to request CDR data and its application in the banking sector. Firstly, let’s go through what we are talking about...
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15.12.19

Finance Submission - The 5 C's of Credit

The New & Old World of Credit With the Banking Code of Practice now effective, there is greater support for borrowers and small businesses. There are some wins for borrowers, but with stronge...
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15.12.19

The WALE in Commercial Property

When you are looking to finance a commercial property purchase with multiple tenancies you will need to know about the WALE. The WALE – or weighted average lease expiry – measures the aver...
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15.12.19

Developing Property

Developing Property may seem simple, especially in rising markets. There are often surprises, unexpected costs and challenges that can erode time and profits alike. Financing development for one, desp...
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