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The 47-Day Budget-to-EOFY Construction Finance Sequencer
Nick Lim 14/5/26 Nick Lim 14/5/26

The 47-Day Budget-to-EOFY Construction Finance Sequencer

The 47 days between Federal Budget and EOFY are short, but long enough to reshape the construction stack if the sequence is right.

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One Doc Home Loan When You Pivot Residual Stock to Rental Hold
Nick Lim 14/5/26 Nick Lim 14/5/26

One Doc Home Loan When You Pivot Residual Stock to Rental Hold

When a developer pivots completed stock from sale to rental, the One Doc home loan read shifts. Here is what lenders actually look at first.

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EOFY Trading Stock Decision for Developers Holding Completed Stock
Nick Lim 14/5/26 Nick Lim 14/5/26

EOFY Trading Stock Decision for Developers Holding Completed Stock

Three ATO trading stock valuation methods, what each does to your stock-on-hand cost at EOFY, and how the choice shapes your refinance and second mortgage position.

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Private Funder Residual Stock Rollover: From the Underwriter's Seat
Nick Lim 14/5/26 Nick Lim 14/5/26

Private Funder Residual Stock Rollover: From the Underwriter's Seat

A private funder's underwriting read on a residual stock rollover when the senior lender's facility matures and completed dwellings remain unsold.

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Residual Stock to Commercial Property Hold: Five Refinance Signals
Nick Lim 14/5/26 Nick Lim 14/5/26

Residual Stock to Commercial Property Hold: Five Refinance Signals

Five signals that residual stock should be refinanced into a commercial property hold loan rather than dropped into a fire-sale, after the 2026-27 Budget reshapes the buyer pool.

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Federal Budget 2026: Decision Tree for Medical Practice Finance
Nick Lim 14/5/26 Nick Lim 14/5/26

Federal Budget 2026: Decision Tree for Medical Practice Finance

The 12 May 2026 Federal Budget reshaped the practice-finance calculus. A decision tree for which moves to make now and which to wait on, against the current macro backdrop.

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One Doc Home Loan for Pathologists (2026)
Nick Lim 14/5/26 Nick Lim 14/5/26

One Doc Home Loan for Pathologists (2026)

A walkthrough of how a one doc lender reads pathologist income shape, from read-rate work and laboratory contracts to AHPRA specialist registration.

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Sizing a Dental Practice Line of Credit: 2026 Lender Calculation
Nick Lim 14/5/26 Nick Lim 14/5/26

Sizing a Dental Practice Line of Credit: 2026 Lender Calculation

Sizing a dental practice line of credit starts with the cash gap, not a dollar figure. Here is the formula lenders use, and how bulk billing timing shapes the limit.

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GP Practice Acquisition Commercial Property Loan: Lender View
Nick Lim 14/5/26 Nick Lim 14/5/26

GP Practice Acquisition Commercial Property Loan: Lender View

GP practice acquisition commercial property loans are assessed against BAS-driven servicing, AHPRA registration history, and the working capital stack alongside the property loan.

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Second Mortgage for $500K+ Medical Imaging Equipment in 2026
Nick Lim 14/5/26 Nick Lim 14/5/26

Second Mortgage for $500K+ Medical Imaging Equipment in 2026

A medical imaging ticket above the asset-finance ceiling usually pushes the deal toward a second mortgage on the practice property. The credit lens shifts from the equipment to the property's combined position.

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