Every lender has its own method and formulae for determining an applicant’s credibility and lender-ability. While the criteria may differ from lender to lender, there are a few factors that all lenders use to profile their clients. Take a look at what these are, and we also share a list of guidelines to ensure your mortgage application is error-free.

As a small business owner just starting out or expanding your growing business, choosing the right type of finance to buy the equipment and assets you need can mean the difference between thousands of dollars saved or spent. To help you choose the right finance for your business, take a look at some of your options.

Much like you, lenders are in business to make money, and when they lend to you, they take a calculated risk that you will repay your loan. When assessing financial risk for a business loan, lenders look primarily at the business owner but there are other equally important factors they consider too. Take a look at what these are.

Most Australian homeowners choose to refinance because of interest rate. But that’s not the only thing to consider when deciding whether or not to refinance. If you are thinking about refinancing, it’s important you consider all of the reasons to do so, as well as the options available to you so you can make the best decision.

When selling a property, one of the most important steps is generating interest, and the best way to do this is through a focused marketing campaign. A strong marketing campaign will help you sell your property in the shortest amount of time, for the best price, with the least amount of aggravation. Here are our tips to help get you started.

From July 2018, comprehensive credit reporting (CCR) becomes mandatory, and banks will be forced to share detailed positive and negative financial history with other lenders. The new credit reporting changes will provide a fuller, clearer picture of your credit history, and could make it easier – or for some people, harder – to get credit or a loan. Here’s what you need to know.

As a property investor, at some point it’s likely either you or your beneficiaries will be required to pay Capital Gains Tax. Capital Gains Tax (CGT) is the tax you pay on any profits you make between the time you buy and sell an investment property. Take a look at what CGT is and how to calculate it.

A combination of rising property prices and stricter lending criteria has made it harder than ever to buy a home or an investment property. As a result, many buyers are pooling their resources and buying property with family. As with any contract however, it’s important you go in with your eyes wide open. Here’s what you need to know.

When you’re shopping around for a mortgage, it makes sense to work with someone who understands the industry and market conditions. A mortgage broker is that person; someone who acts an intermediary between you and the lender working on your behalf. In your search for the right mortgage broker, we recommend you ask these 3 questions.

Should you lock in your interest rate for a fixed period? Or take a chance on interest rates dropping even further and choose a variable rate? Unfortunately, there’s no simple answer to these questions. To help you make an informed decision, we’ve outlined the pros and cons of fixed and variable interest home loans.