Stay updated with the latest financial insights, loan industry trends, and expert advice from our team of professionals.
Loading blog posts...
We use cookies to enhance your experience, analyze site traffic, and provide personalized content. You can customize your preferences or accept all cookies to continue.
Showing 1 - 12 of 368 posts
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...
Peer-to-peer lending lets a business borrow money that comes from investors rather than from a bank's deposits. In Australia the investors' money usually sits in a managed investment scheme run by...
For a commercial property loan, the lender lends against its valuer's figure, and for income property that figure mostly comes from capitalising net income: net rent divided by a market capitalisat...
Money from private investors has no repayments, but for a profitable business it is usually dearer than debt: the investor shares every future dollar of profit and sale value. A loan costs interest...
