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Showing 1 - 12 of 371 posts
If you own the company you work in, a home loan lender looks at two sets of numbers: your personal tax returns and the company's financial statements and returns, usually for the last two years. So...
A construction loan deal is assessed twice: once on the borrower and once on the build. Give credit the signed building contract, plans and specifications, permits, quotes for anything outside the...
A development finance lender usually applies two caps at once: a loan-to-value ratio on the project's "as if complete" value (gross realisation, excluding GST) and a loan-to-cost ratio on total dev...
On a construction loan you pay interest only on what has been drawn, so the bill starts small and climbs at each stage. In our illustrative example - a $300,000 land loan plus a $600,000 fixed-pric...
Lenders generally like standard industrial property: simple buildings, broad tenant demand and land that holds value. Commercial property loans on warehouses are sized at the lower of an LVR on the...
A second mortgage for business cash flow is a loan secured behind your existing bank mortgage, usually from a private or non-bank lender, for a business purpose. It can release equity without refin...
Vendor finance when buying a business means the seller lets you pay part of the price later, as a vendor loan or deferred payments, so the bank or other senior lender funds less on day one. Senior...
From 10 August 2026, a new limited recourse borrowing arrangement (LRBA) that an SMSF uses to buy real property can only be used for business real property - broadly, land and buildings used wholly...
Residual land value is the most a developer can pay for a site and still make the target profit: start with what the finished product will sell for, take off GST, every development cost and the req...
A fixed-price building contract lets a lender size your construction loan against a known cost, follow the contract's progress payment schedule and ask for little contingency. A cost-plus contract...
A cash rate rise reaches business loan repayments through the lender's funding costs. Bank bill rates move, the lender reprices its variable business rates, and repayments change at the next reset....
A caveat loan is a short-term private loan secured by a caveat over property you already own, used to cover a gap at settlement when a valuation comes in short, a sale is delayed or funds are held...
