Failed serviceability when your accountant says you earn more? Which add-backs banks skip, why, and how a specialist lender counts the same accounts.

A loan decline is not recorded on your credit file, but the enquiry that came before it is. What the bureaus keep, for how long, and what enquiries do.

Knocked back on a car loan because you are self employed? Why the lender read your ABN file that way, the business use test, and four repair paths.

Knocked back on truck finance? Why a specialist reads an owner driver file differently, what happens to the truck and deposit, and the five repair paths.

A commercial valuation is not a price check. It is a test of how durable the income is, and each test moves the number a lender will lend against.

Your landlord will sell to you. Here is how the lease terms, the off market price and the finance timeline actually fit together.

On a small townhouse project the same headline percentage means three different dollar amounts. Here is which denominator each lender is using.

What an industrial purchase actually needs in cash on the day, from the deposit through duty, GST and the timing of getting the GST back.

What changes when a commercial purchase is secured by your home instead of the building you are buying, and what it costs you in flexibility.

What a lender re-checks at a business overdraft annual review, what to fix in the sixty days before it, and how to ask for more rather than less.