What a Lender Checks First on a Business Loan
What lenders check first on a business loan: borrower, purpose and repayment source, and how non-bank lenders read a self-employed file in FY27.
Property-Secured Finance, Ranked by How Fast It Funds
A plain-English map of the five property-secured facilities ranked from fastest to slowest, so self-employed owners can match the loan to the deadline.
Buying Your First Home When You're Self-Employed
Self-employed and buying your first home? A One Doc home loan is assessed on business cash flow and one income declaration, not a payslip you do not have.
Funding a Development Before the Build Loan Starts
How to fund the site, DA and early works before a construction loan starts, and how pre-construction debt rolls into the build facility.
Second Mortgage or Refinance: Keeping Your Cheap First Loan
A second mortgage keeps your cheap first loan; a refinance replaces it. How self-employed owners choose between the two, explained by a broker.
When a Commercial Valuation Comes In Under Your Contract Price
What it means when a commercial valuation comes in under your contract price, and how self-employed buyers can cover the gap or renegotiate.
Refinancing a Vendor Carry Out: The Exit Both Sides Plan
How a vendor finance carry is refinanced out: the exit both sides plan from day one, and what trading record each stage needs to clear the seller.
Caravan Park Cabins: Chattel or Fixture to a Lender?
Are a caravan park's cabins chattels or fixtures? How a lender reads cabin income versus cabin security, and why a park is valued on the going concern.
The Trading Records a Motel Lender Wants to See
The trading records a motel lender wants: occupancy and room-rate history, adjusted net profit after add-backs, and the evidence pack behind a motel deal.
Regional vs Metro Pubs: How Location Changes the Loan
How lenders read a regional pub versus a metro one: catchment, buyer depth and the yield multiple that shape gearing on the going concern.