Why it Pays to Get a Second Opinion

One of our clients recently approached us and was looking to refinance their owner-occupied home loan, as well as their investment property loan. The investment loan was previously on an interest only term and had recently come to an end, and given the recent changes and restrictions, unfortunately their current lender would not extend the interest only product. This caused …

Alex KempthorneWhy it Pays to Get a Second Opinion

Commercial Loans at 4.45% for Business Owners

Do you have a client who is planning on opening up a new location or is planning a new business venture; say a new office building, shopping centre, industrial warehouse or apartment complex? They will most probably need a commercial loan and you’ve come to the right place. We have access to lenders who will provide commercial loans at 4.45% …

Alex KempthorneCommercial Loans at 4.45% for Business Owners

It’s Time to Speak to Your Clients about their Budget

It is now more vital than ever to be having a discussion with your clients about their budget and spending habits. Recently, the Australian Securities & Investments Commission (ASIC) have been focusing the spotlight on living expenses and now require Lenders and Brokers to request savings account statements to verify that the borrowers expenses accurately reflect what is in the …

Alex KempthorneIt’s Time to Speak to Your Clients about their Budget

5 Mistakes Business Owners make when taking out a Business Loan

It takes money to run a business, especially if you’re planning on purchasing new equipment or expanding. In most cases, you’ll need to borrow to get the necessary funds for your purchase or expansion. You therefore need to avoid these common mistakes:  1. Not following the business plan. Every business owner understands that it’s a nightmare putting a business plan together, …

Alex Kempthorne5 Mistakes Business Owners make when taking out a Business Loan

Are Loan Comparison Websites the Same as Using a Mortgage Broker?

Before taking out a home loan, it is essential that you compare lenders and their products first to know what your options are and to get the most suitable deal for your personal situation. There are three ways you can do this: Speak to as many lenders as you can yourself; Use a comparison website; or Talk to a mortgage …

Alex KempthorneAre Loan Comparison Websites the Same as Using a Mortgage Broker?

How Does my Spending Affect my Home Loan Approval Chances?

Home loan approval is more than showing a lender you have a deposit and consistent income.  Lenders are now closely reviewing your spending habits to ensure you can afford the loan you have applied for. Do you spend a lot of money on take away food, have a high mobile phone bill or like to do a little (or a …

Alex KempthorneHow Does my Spending Affect my Home Loan Approval Chances?

5 Tips for Keeping your Budget on Track this Summer

Summer is well on its way and with it comes holidays, Christmas and good times with friends and family, but this can also be an expensive time for many. With enough planning and financial discipline, you can enjoy the season without breaking the bank or missing repayments. The goal is to ensure you spend less than you make and focus …

Alex Kempthorne5 Tips for Keeping your Budget on Track this Summer

Short Term Funding for Small Business Owners

Being a small business owner comes with its fair share of challenges and maintaining a positive cash flow is often one of the most difficult aspects of running a business. If you have a client who is looking to bridge the gap on their business’ finances, a short-term funding loan could be just what they need. Short term funding can …

Alex KempthorneShort Term Funding for Small Business Owners

Accessing Equity for Small Business Owners

 Do you have a client who is a small business owner and looking to grow their business, purchase business equipment or complete a fit out? We have access to lenders offering loan products in which the small business owner can use the equity in their business, home or commercial property to help finance their business goals. It is possible to …

Alex KempthorneAccessing Equity for Small Business Owners

Helping Clients Save Thousands of Dollars in a Competitive Market

We recently met with a client who had a mix of business and residential debt totaling approximately $600,000.  They approached us to see if we could get a better deal with their current lender. Based on our industry experience, we knew immediately that the clients were paying substantially more than they should be, based on current market conditions. We approached …

Alex KempthorneHelping Clients Save Thousands of Dollars in a Competitive Market