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Finance news, tips & advice
Kicking home loan goals with a refinance
Why does refinancing save me money? In just over the last twelve months we’ve seen 5 rate cuts – from
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House prices looking at double-digit growth for 2020
You may be feeling a buzz of excitement this month around the Australian property market as the effects of a
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First Home Loan Deposit Scheme
Update: February 2020The initial 3,000 places of the First Home Loan Deposit Scheme, designated to Commonwealth Bank and NAB, were
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RBA cuts interest rates to 0.75%:
why, and what will the effect be?
Before Septmber 19, a third rate cut wasn’t expected until early 2020. What changed so quickly? Predictions of a potential
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Will we see negative interest rates in Australia?
What are negative interest rates? Negative interest rates theoretically make taking out credit cheaper than using or keeping cash. Although
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APRA changes to home loan serviceability requirements
Not only did the beginning of July see a rate cut for a second month in a row, but also
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Banks respond to consecutive rate cuts
Understand where you bank stands In June and July 2019 we saw two consecutive rate cuts to take rates to
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RBA cuts interest rates
For the second consecutive month the RBA has cut interest rates by 0.25% to reach a record low of 1%.
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Equipment Loan Approval Checklist
We’ve compiled a handy equipment loan checklist for the most common types of documentation and what you need to do
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Vehicle Finance Approval Checklist
Whether you’re considering a new or used vehicle, as a business or individual, we’ve compiled a handy vehicle finance approval
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How to calculate if a business loan is the right move
Business opportunities pop up when you least expect it; that fantastic bulk-buy discount on stock that you know flies out
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Take advantage of the NEW $30K Instant Asset Write-Off
It’s good news for business owners leading up to tax-time this year, with the government Instant Asset Tax Write-Off increased
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Getting a home loan when
you are self-employed
Applying for a home loan when you are self-employed can be daunting, particularly when trying to understand the different requirements
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Business Loan Approval Checklist
Whether you’re looking for unsecured funds, to buy equipment or to refinance your business debt, we’ve compiled a handy business
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Home Loan Approval Checklist
Whether you’re considering a new home loan or in the midst of the application process, we’ve compiled a handy guide
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Refinancing for retirees
At every stage of a home loan, whether it is owner-occupied or for investment, it pays to review its costs
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How understanding your loan-to-value ratio (LVR) can help you pay off your home loan faster
The Loan-to-Value ratio (LVR) is the amount of your loan compared to the value of your property. The lower your
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Will the RBA lower interest rates?
In 2018, the thought of the Reserve Bank cutting interest rates to a record low of 1.25% was laughable to
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Div 7A Private Loans:
What do the changes
mean for your clients?
In October 2018, Federal Treasury released a paper titled “Targeted amendments to the Division 7A integrity rules”. If the new rules go
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Applying for a home loan after the royal banking commission
With the release of the final report on the 4th February 2019, the most common question amongst customers is ‘what
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5 tips for paying off your home loan faster
Did you know that the interest charged on your home loan is calculated on your loan’s daily balance and then
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Building equity
in your home
Most people enter a home loan with the eventual goal to own their property outright, in other words, building equity
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Using equipment finance can be key to business growth
Upgrading or obtaining new equipment can be key to business growth, whether it’s increasing efficiency or expanding your offering. However
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Keep your business equipment up to date without losing your working capital
As a business owner, it makes sense that keeping income producing business equipment up to date is key to your
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July 1 2018; changes you’ll want to know about
As the new financial year rolls in there are a number of policies that are set to impact many Australians.
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Maximising your tax return; businesses and individuals
Although there are often many other things you would prefer to be doing than maximising your tax return, your time
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Enjoy tax concessions with the
First Home Super Saver Scheme
If you’re looking to purchase your first home in the near future, you’re probably looking to save the largest deposit
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Rolling your car finance
into your home loan
Low interest rates on home loans make it appealing to roll a car loan into your home loan. While rolling
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Getting a home loan
without a 20% deposit
Lenders are generally looking for borrowers with a 20% deposit to put towards a property purchase, plus you will also
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The pros and cons of
an unsecured loan
An unsecured loan is a credit product that doesn’t require you to use something as collateral. For example, if you
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How the bank assesses your home loan application
Before submitting your home loan application, knowing how the bank will asses your application will give you the best chance
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Why your business loan may have been rejected
When your business loan application has been turned down by the bank, your next step may be to approach alternative
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8 top tips for buying an investment property
Buying property continues to be one of Australia’s favourite ways to invest. An investment property can increase your wealth and,
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Funding your future; debt or equity financing?
As the owner of a small business, one of your most crucial decisions is how to finance your business’s assets.
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Why you should separate business and personal finances
There are two main reasons it is best practice to separate business and personal finances: Taxes – one of the
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Good time management; a five step refresher
As a small business owner, you know that time is your greatest asset and good time management your greatest tool.
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The home loan fees you need to know about
When taking out a home loan, your focus is probably on getting the lowest rate possible. However, don’t get caught out
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Three essentials to build new business success
Do you dream of creating new business success? Of the financial freedom and independence that may come with it? Or
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Taking your first steps with a maternity leave home loan
If you are looking to start or expand your family you are probably already considering where you’ll live and how
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Getting SMART with your financial resolutions
Whether it be saving for a holiday or putting money away for a deposit, you probably have some sort of
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Unethical credit card practices may be coming to an end
The end of unethical practices? Practices that deliberately push vulnerable customers into credit card debt will be coming to an
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Consumers finding it more difficult to get home loans
Why is it becoming harder to take out a mortgage in Australia? For many consumers it is becoming more difficult
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Banks having to refund consumers after mortgage errors
Two of Australia’s biggest banks are having to refund consumers after mortgage errors Two of Australia’s biggest banks are facing
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Forecasting cash flow
Cash flow is of crucial importance for any owner of a small business. The concept of cash flow seems simple
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Maximise your chances of getting a business loan
There are few small businesses who won’t require additional capital at some point during their life cycle. But with so
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Housing Affordability
Housing affordability is a hot topic for politicians & journalists at the moment. Property price rises of 75% in the
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Five Ways To Improve Your Business Cashflow
Did you know that a leading reason that small businesses fail is poor cashflow management? The Australian Bureau of Statistics
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Four Business Loan Options That Don’t Require Your House as Security
What are the best options for an unsecured loan for your small business? Many people are reluctant to use their
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Three Key Questions About Small Business Loans
Taking out a business loan can help your business grow and can lead to great financial reward. However, loans also
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The Three Most Important Factors for Approving Your Business Loan
When you’re looking up how to get funding for your business, a quick Google search will show you a confusing
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ATO to Report Tax Debts to Credit Agencies
New ATO Powers It has just become even more important to keep on top of the money you owe to the
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Money management tips for businesses
If you’re looking to save a little money when it comes to your business expenditure, here’s six quick tips to
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Does My Business Have Too Much Debt?
Debt is not necessarily a bad thing. Taking on debt can be a crucial action for your business to improve
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Buy? Lease? What is the best option for business equipment?
It may not be an easy decision whether to buy or lease business equipment, but it is well worth it to
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Key Factors for Approving Unsecured Business Loans
Our staff at FundingPro often get asked to explain the key factors in deciding if a lender will approve an
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How To Get A Fast Business Loan
How can you get a fast business loan? Small business owners often do not have the time to wait to
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Calculating ROI For A Business Loan
If you’re taking out a business loan, or deciding whether to apply for one, it’s wise to do an
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Leveraging Your Lender Relationship
If you are a small business owner, how can you make the most out of your relationship with your lender?
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Family Businesses
Family businesses come in quite different shapes and sizes, but there’s advice that would be useful for any of them.
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Is An Asset-Backed Loan Right For Your Business?
What are asset-backed loans? And are they the right type of loan for your business? An asset-backed loan, as the
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Information Gaps In The Business Loan Market
There are more than two million small and medium-sized enterprises in Australia, often referred to as SMEs. While big business
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Are Your Interest Payments Tax Deductible?
If you own a business, yes, they are. As the owner of a business, you can claim deductions for the
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