Businesses using Vehicle Fleet Finance

By |2019-05-05T02:56:25+00:00April 1st, 2019|Uncategorized|

When it comes to financing your fleet vehicles, each business has unique circumstances which mean that different finance products can make sense. Each finance structure available has different benefits, through either ownership benefits, taxation considerations or risk management. Here’s some of the main finance options available: Finance Lease A finance lease transfers the risk of [...]

How are my Living Expenses calculated in 2018 – The New Standard (HEM)

By |2019-07-11T14:49:16+00:00May 29th, 2018|Uncategorized|

This Article is written by Gerry Bosco, one of Australia's leading mortgage brokers assisting more borrowers get approved in the face of changing lending conditions. Need help with borrowing for your next home or investment? Call Gerry today on 1300 739 161. What are living expenses? Living expenses play a potentially crucial role in a [...]

How to grow a large portfolio post APRA

By |2019-05-05T02:57:04+00:00August 12th, 2017|Uncategorized|

APRA (the Australian Prudential Regulatory Authority) has fundamentally changed the ability to investment in property since began proactively enforcing policy changes on banks since April 2015. The regulator has been actively trying to alter how much investment lending banks provide, as well in recent history how much debt in Australia is on interest only terms. [...]

Diversified Lending Structure – how to extend your borrowing capacity

By |2019-05-05T02:57:43+00:00June 10th, 2016|Uncategorized|

It may be well known by our clients – but the average investor is not aware that they can potentially increase their long term borrowing capacity by over 100% by utilising a diversified lending structure. This is a common discussion I have with first time investors, which isn’t talked about in mainstream media and leaves many [...]

APRA: The evolving lending climate for investors – challenges and opportunities

By |2019-05-05T02:58:16+00:00July 12th, 2015|Uncategorized|

Over the last two months the Australian residential lending markets have been under substantial changes, with shifts in lender policies and interest rates. The Australian Prudential Regulation Authority (APRA) has been responsible for applying pressure on lenders to try limit their investment lending growth through the higher stress testing of debt calculations, increases in deposit [...]