NBS Loans

Selling an investment property with tenants can be complex, but with the right approach, it can work in your favour.

Here’s how to navigate the process effectively:

✔️ Open Communication: Initiate transparent communication early with your tenants about your intention to sell. Discuss timelines, processes, and their rights. Offering them the opportunity to purchase the property can foster cooperation.

✔️ Coordination for Viewings: Coordinate open homes and inspections with your tenants. Provide ample notice and agree on convenient times to minimise disruption. Maintaining clear communication ensures the property is well-presented for potential buyers.

✔️ Incentivise Cooperation: Consider offering incentives like rent discounts or assistance with relocation costs to encourage tenant cooperation during viewings. This can maintain property standards and facilitate a smoother sale.

✔️ Flexibility with Lease: Be open to discussing lease options with tenants affected by the sale. Offering early lease termination options can make the property more appealing to buyers, potentially speeding up the sale process.

✔️ Property Presentation: Prioritise professional cleaning and maintenance to enhance property appeal. A well-maintained property boosts curb appeal and leaves a positive impression on buyers.

✔️ Staging for Appeal: Make simple enhancements like decluttering and minor updates to showcase the property’s potential. These efforts help buyers visualise living in the space and improve marketability.

📲 Ready to sell your tenanted property? Contact us today for expert advice on achieving a smooth sales process! Or for more information on this topic, check out the blog on our website!

📲 1300 741 660
📧 [email protected]

Looking to upgrade your business equipment?

Here are four key things to know about equipment finance:

✅ Calculate your working capital: Assess your cash flow before purchasing equipment to ensure you have funds for daily operations and growth opportunities.

✅ Choose lease or purchase: Decide between operating leases for flexibility or secured loans for ownership, based on your business needs.

✅ Plan cash flow: Structuring finance agreements with fixed rates helps manage expenses and maintain financial stability.

✅ Keep equipment updated: Equipment finance lets you access the latest tech without tying up capital, ensuring competitiveness and efficiency.

Ready to boost your business? Contact us today or head to our blog on our website for more information!

📲 1300 741 660
📧 [email protected]

Looking to boost your business's cash reserves? 🤔

Here are two quick solutions to consider:

➡️ Asset Refinance: Reevaluate recent equipment or vehicle purchases made in the last six months. Consider refinancing these assets through a purchase and hire-back arrangement to unlock cash tied up in them, preserving working capital for essential expenses or investments.

➡️ Low Doc Working Capital: Explore low-documentation capital facilities for a streamlined cash boost or ongoing overdraft-like solution. These options offer quick access to funds with minimal documentation, flexible repayment terms, and scalability to adapt to your evolving business needs.

For more insights on maximising your business's cash reserves, head to our blog!💻

Secured business loans are crucial for small businesses seeking stability and growth. They require collateral, offering lenders assurance beyond creditworthiness.

Here's how collateral types support your loan application:

🏠 Real estate: Properties like land or buildings are popular collateral choices, giving lenders tangible assets they can sell if needed. This makes it a favoured option for businesses needing substantial financing.

🛠️ Equipment: Machinery and specialised tools are pledged as collateral, particularly beneficial for industries reliant on operational assets like manufacturing or construction.

📦 Inventory: Retailers leverage their stockpile as collateral, ensuring flexibility in financing based on fluctuating inventory needs. It's a reliable option for businesses managing seasonal demands.

💼 Accounts receivable: Outstanding invoices serve as collateral, guaranteeing a steady cash flow and helping businesses manage unpaid invoices efficiently. This option is ideal for service-based businesses with regular client bases.

🌐 Alternative collateral: Intellectual property, cash savings, investments, or personal assets can also secure loans, depending on business circumstances. These unconventional assets offer unique value and additional assurance for lenders.

Looking to secure a business loan? Contact us for expert advice and explore your collateral options with us today! 💼

📲 1300 741 660
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Looking to get ahead financially this year? Consider debt consolidation using your home loan as a strategic move.

Advantages:
✅ Lower interest rates: By consolidating high-interest debts into your home loan, you can benefit from lower interest rates, saving money over time.

✅ Streamlined management: Simplify your finances with one monthly repayment, reducing stress and ensuring timely payments.

✅ Fee reduction: Cut down on various fees associated with multiple accounts, saving money and gaining financial clarity.

✅ Improved cash flow: Lower monthly payments free up funds for other financial goals, enhancing flexibility and opportunities.

Disadvantages:
❌ Home at risk: Using your home as collateral increases the risk of property loss if repayments aren't maintained.

❌ Potentially higher interest: Poorly structured consolidation loans could lead to higher interest payments over time.

❌ Refinancing fees: Additional costs like setup fees and exit fees may apply during the consolidation process.

❌ LVR impact: Consolidation may affect your Loan to Value Ratio, potentially requiring Lenders Mortgage Insurance.

Considering debt consolidation? Speak to our mortgage experts today to explore your options and secure your financial future.

For more insights, visit our blog on the website 🏠💡

📲 1300 741 660
📧 [email protected]

Asset leasing offers significant advantages for businesses in Australia, making it a preferred choice for acquiring essential equipment and machinery.
Here are four key benefits:

1️⃣ Preserves capital: Asset leasing allows businesses to spread the cost of equipment over time through regular lease payments, preserving capital for other operational needs and investment opportunities.

2️⃣ Tax efficiency: Lease payments for certain assets may be tax-deductible, reducing taxable income and enhancing overall tax efficiency. Businesses can also claim GST credits on lease payments, maximising their tax benefits.

3️⃣ Flexibility and upgradability: Leasing provides flexibility to upgrade equipment at the end of the lease term, ensuring access to the latest technology without the burden of ownership. This adaptability helps businesses stay competitive and efficient.

4️⃣ Risk mitigation: By leasing assets, businesses transfer the risks of depreciation, maintenance, and obsolescence to the lessor. Lease agreements often include maintenance provisions, reducing operational risks and ensuring optimal asset performance.

Ready to optimise your business operations with asset leasing? Contact us today to explore how leasing can benefit your business!

📲 1300 741 660
📧 [email protected]

Dreaming of a caravan getaway? 🤔

Winter might just be the perfect time to buy one! Here's why:

🚐 Lower Demand During Winter
🚐 Better Negotiation
🚐 Used Caravan Opportunities

When buying, keep these tips in mind:

✅ Assess Your Needs
✅ Select the Right Type
✅ Set a Budget
✅ Buy from Reputable Dealers
✅ Organise Finances

Ready to find your perfect caravan? Contact us today for personalised advice!

📲 1300 741 660
📧 [email protected]

Living on a single income? Here are some practical tips to manage rising costs effectively. 📈💡

1️⃣ Trim Expenses
2️⃣ Avoid Loyalty Tax
3️⃣ Smart Meal Planning
4️⃣ Leverage Sharing Economy
5️⃣ Prioritise Savings
6️⃣ Avoid High-Interest Debt

For a full breakdown on this, head to the blog on our website! ⬆️

If you need further assistance with this, contact us!
📲 1300 741 660
📧 [email protected]

Dealing with property division after a breakup can be tough, but understanding the basics is key.

Here's what you need to know 👉

To learn more about this topic head to the blog on our website for the full rundown! We also suggest seeking legal advice to understand your rights and obligations and navigate the complexities.

Looking to own an investment property but facing financial barriers? 🏡

Here are some creative ways to get started:

✅ Convert your PPOR into an investment property: Rent out your current home to generate rental income and access tax benefits, leveraging the property you already own.

✅ Owner-occupier strategy: Purchase a property as your primary residence, then convert it into a rental property after living in it for a period, potentially qualifying for government grants and lower deposit home loan options.

✅ Rent-vesting: Rent a property to live in while owning an investment property, allowing you to offset mortgage costs with rental income and build equity in real estate.

✅ Joint property investment: Partner with others to purchase a property together, pooling resources to overcome financial barriers and access opportunities sooner.

For more insights on creative ways to own an investment property, check out our blog on our website! 🌟

RBA Update for June 🏦

The RBA have chosen to hold the official cash rate at 4.35%.

It is very important to review your home loan regularly to ensure it still meets your needs.

Working with a mortgage broker or trusted finance professional can help simplify the process and and find the products to best suit your needs.

If you need any assistance with your home loan, don’t hesitate to contact us!
📲 1300 741 660
📧 [email protected]

Looking to upgrade your business equipment? 🤔

Here are the four key things to know:

✅ Calculate your working capital: Assess your cash flow before purchasing equipment to ensure you have funds for daily operations and growth opportunities.

✅ Choose lease or purchase: Decide between operating leases for flexibility or secured loans for ownership, based on your business needs.

✅ Plan cash flow: Structuring finance agreements with fixed rates helps manage expenses and maintain financial stability.

✅ Keep equipment updated: Equipment finance lets you access the latest tech without tying up capital, ensuring competitiveness and efficiency.

Ready to boost your business? Contact us today or head to our blog on our website for more information!

📲 1300 741 660
📧 [email protected]

Are you a property investor? 🏡

To make the most out of your tax deductions, here are 5 EOFY tax tips you need to know ➡️

If you need further assistance or would like to speak with an accountant, contact us! We can give you personalised and specialised advice.

📲 1300 741 660
📧 [email protected]

Planning to finance your next car purchase? 🚗

Here are 3 things to look out for when considering a car loan:

💰 Hidden fees and add-ons: Low interest rates may hide additional costs. Carefully review the loan terms to avoid unexpected fees and extras that inflate the overall price.

💰 Expensive penalties for early payment: Watch out for excessive penalties that discourage early repayment. Look for loans with reasonable terms that allow you to save money by paying off your loan ahead of schedule.

💰 Guaranteed approval: Be wary of promises of guaranteed approval. Responsible lenders assess your financial situation to determine a suitable loan amount based on your ability to repay.

Looking for some guidance on navigating the car loan market? Contact us for expert guidance! Or check out our blog for the full rundown on this issue ⬆️

📲 1300 741 660
📧 [email protected]

RBA Update for May 🏦

The RBA have chosen to hold the official cash rate at 4.35%.

It is very important to review your home loan regularly to ensure it still meets your needs.
Working with a mortgage broker or trusted finance professional can help simplify the process and and find the products to best suit your needs.

If you need any assistance with your home loan, don’t hesitate to contact us!
📲 1300 741 660
📧 [email protected]

The build-to-rent sector (BTR) is set for a strong year in 2024, heres what you need to know:

✅ Record-Breaking Growth: The build-to-rent sector saw phenomenal growth in 2023, recording over $2.2 billion in transaction volumes amidst surging population growth.

✅ Government Support: Government changes, including tax rate cuts and capital works deductions, have provided a significant boost to the sector, attracting more investors and developers.

✅ Opportunities for Developers: While some asset classes experienced value downgrades, this presents opportunities for developers to capitalise on market shifts and acquire assets at favourable prices.

✅ Market Dynamics: Slowing transaction volumes due to higher interest rates are expected to shift in 2024, potentially leading to increased market activity and investment opportunities.

Interested to find out more? Head to the blog on our website for the full rundown! ⬆️

Planning to set up your own medical practice? 🤔

It's crucial to approach the fit-out process strategically to ensure efficiency and success. Here are four smart ways to fit out your practice:

Here are four strategies to fit out your practice efficiently for success:

✔️ Add as you go: Resist the urge to furnish your entire practice all at once. Prioritise essential equipment and room setups, gradually adding more as your practice grows. This phased approach helps manage costs and minimises financial strain during the initial stages.

✔️ Look at the intangibles: Don't overlook the importance of layout design and backend systems. Consider how factors like software and cloud storage can enhance efficiency and patient experiences. Investing in these intangible elements can elevate the overall effectiveness of your practice.

✔️ Consider equipment lifespan: Evaluate the longevity and income potential of each piece of equipment. Conduct cash flow projections to ensure that investments align with your practice's growth trajectory. By planning for the long term, you can make informed decisions that maximise the value of your assets.

✔️ Be smart with your money: Consult with a finance broker to explore financing options tailored to your practice's needs. Compare different financing solutions to optimise your spending and minimise financial risk. With the right financial strategy, you can set your practice up for long-term success.

Want to find out more? Head to the blog on our website for the full rundown! ⬆️

Understanding your borrowing power is crucial for property investment success, your borrowing capacity represents how much money you can access from a lender – and therefore the price of the property you can purchase. 🏡

Here are some of the things a lender will look at:

1️⃣ Income Sources: Lenders assess the stability and diversity of your income, including salaries, part-time earnings, rental income, and investment returns, to determine your borrowing capacity.

2️⃣ Financial Obligations: Existing debts, such as credit card balances and loans, impact your borrowing power, as lenders evaluate your ability to manage additional financial commitments.

3️⃣ Employment History: A stable work history demonstrates reliability to lenders, whether you're a wage-earner or self-employed. Providing proof of income consistency strengthens your borrowing position.

4️⃣ Interest Rates and Loan Terms: Loan duration and interest rates affect borrowing capacity. Rising rates or shorter loan terms may reduce your capacity, while mortgage brokers can help identify suitable loan options.

5️⃣ Deposit: The size of your deposit influences borrowing capacity, with higher deposits often resulting in lower interest rates and perceived risk. Explore government schemes and incentives with a mortgage broker to maximise your borrowing potential.

Ready to find out your borrowing power for property investment? Consult with one of our expert mortgage brokers for personalised guidance. Or head to the blog on our website for more information 📈

📲 1300 741 660
📧 [email protected]

Want to Pay Off Your Home Faster in 2024? 🤔

Here are some easy tips to help you slash years off your mortgage!

➡️ Get a Lower Interest Rate: Chat with your mortgage broker to see if you can score a better deal. It could save you in the long run!

➡️ Pay More Often: Switch to fortnightly repayments. You'll make an extra payment each year without breaking the bank!

➡️ Make Extra Payments: Got a bonus or tax refund? Put it towards your mortgage to pay it off quicker!

➡️ Use a Redraw Facility: Pool extra payments so you can dip into them later if needed.

➡️ Offset Your Savings: Link your savings to your loan to pay less interest while still having access to your money.

If you've got any questions regarding your home loan, reach out to us today for trusted advice or head to our blog for more information ⬆️

📲 1300 741 660
📧 [email protected]
To get the full rundown, head to our blog 🔗

Are you feeling overwhelmed by the changing landscape of interest rates? Don't worry, we're here to help! 🏡

Here are five ways a mortgage broker can assist you:

📈 Guidance on Interest Rates: Mortgage brokers stay updated on market trends and product offerings, ensuring you get the best deal regardless of interest rate fluctuations.

🏦 Access to a Variety of Lenders: Brokers provide access to a diverse range of lenders, who can compare rates and terms from different institutions to find the most suitable loan product for you.

🤝 Negotiating Better Terms: Mortgage brokers advocate for borrowers, negotiating competitive rates and terms to ensure you get the best deal possible and save money in the long run.

💰 Financial Solutions: By understanding your unique financial circumstances, brokers can provide personalised strategies and solutions that align with your goals and preferences.

💼 Access to Professionals: Beyond mortgages, mortgage brokers can connect you with a network of professionals such as financial advisors and accountants, offering comprehensive financial advice and support.

Ready to explore your mortgage options and secure your financial future? Contact us today!

📲 1300 741 660
📧 [email protected]

Curious about what's in store for Australia's property market in 2024? 🏡

Here's 6 predictions from the experts:

✅ Interest Rate Cuts
✅ Easing Mortgage Serviceability
✅ Flight to Affordability
✅ YIMBYs will replace NIMBYs
✅ Population Growth
✅ Rental Market Shift

Eager to find out more? Head to our blog on our website! 🔗

RBA Update for March 🏦

The RBA have chosen to hold the official cash rate at 4.35%.

It is very important to review your home loan regularly to ensure it still meets your needs.

Working with a mortgage broker or trusted finance professional can help simplify the process and and find the products to best suit your needs.

If you need any assistance with your home loan, don’t hesitate to contact us!

📲 1300 741 660
📧 [email protected]

Thinking of investing in a caravan for your adventures? Before you embark on this journey, it’s vital to carefully consider your caravan finance options.

Here are five key factors to keep in mind:

Interest Rates: Caravan loans come with varying interest rates influenced by factors such as the lender, loan type, and credit history. Secured loans tied to the asset typically offer lower rates, while unsecured loans provide more flexibility but may come with higher interest.

Loan Terms: Select a repayment period that aligns with your financial goals. Shorter terms may result in higher monthly payments but less interest overall. Decide between fixed rates for stability or variable rates for flexibility.

Optional Extras: Caravan prices often exclude additional features like bedding, plumbing, and more. Be sure to factor in these extras when applying for a loan to avoid unexpected costs later on.

Credit Consideration: Don’t let a less-than-perfect credit history discourage you. Take steps to improve your credit report by ensuring timely bill payments. Consulting with a finance broker can also help you explore available financing options.

In-House vs. External Finance: While dealer-offered in-house finance may seem convenient, it’s essential to compare interest rates and loan terms with external options. Working with a finance broker can help you secure the best deal tailored to your needs.

Need guidance with your finances? Reach out to us! We’re here to help!

📲 1300 741 660
📧 [email protected]

Thinking about how to level up your business this year? 🤔

Exploring asset finance could be the key! It offers a number of advantages and is one of the most effective ways to unlock growth and achieve your financial goals for the year. 📈

Want to find out how? Head to the blog on our website for the full rundown! ⬆️

Curious about where the commercial property market is heading this year? 🤔

Here are the trends you need to know:

✔️ Built-to-Rent: With housing demand on the rise, built-to-rent properties are becoming a hot choice for investors. Expect to see institutions eyeing larger projects, while private buyers focus on smaller unit blocks. Transaction levels are set to pick up, so keep an eye on this sector!

✔️ Industrial Assets: Despite challenges like higher interest rates, industrial assets remain strong, driven by low vacancy rates and high demand. Rental growth is expected to keep climbing, with opportunities arising as distressed assets enter the market.

✔️ Alternative assets: Alternative assets like medical and childcare have seen success, but prices may have peaked. However, the education sector still holds promise, especially with universities seeking office spaces and undeveloped land ripe for private development.

Ready to capitalise on these trends and grow your portfolio? Reach out to us today so we can help you get started!

📲 1300 741 660
📧 [email protected]

Should you be paying your mortgage weekly or monthly? 💭

For borrowers trying to save money on their home loan, it might be worth looking at the frequency of your repayments.

A small change from monthly to weekly might not make much of a difference to your household budget, but it could go a long way to cutting down your interest over the life of the loan.

If you take the minimum monthly repayment and pay half every two weeks, borrowers can save a significant amount off both the term and interest.

There are 26 fortnights in a year – the equivalent of 13 monthly repayments rather than 12, meaning you’re actually paying more than the minimum.

If borrowers choose to pay weekly, they could save more on interest but not so much on the term.

Have some questions for us? Comment them down below! ⬇️

How to achieve your financial goals this year! 🎯

✅ Master budgeting and saving - Learn the art of setting and adhering to a budget! Categorise your expenses into essentials and discretionary, then allocate a portion of your income for monthly savings.

✅ Tackle your debts - Take charge of your debts by consolidating them into a single loan with a lower interest rate. This simplifies repayments and accelerates your debt reduction.

✅ Make homeownership a reality - Cultivate the habit of saving and living within a budget. When the time comes to buy a home, you'll have a clear understanding of your financial capacity and you'll be well-prepared and confident.

Need guidance with your finances? Reach out to us! We're here to help!

📲 1300 741 660
📧 [email protected]

Are you looking to invest in property this year or have started the process? 🤔

Here are our tips for you!

✅ Be specific - Dive into suburb-level research, comparing property listings with overall demand to gauge the local market. Limited supply can drive property prices higher.

✅ Crunch the numbers - With rising borrowing costs, it's crucial to have a clear understanding of your investment's costs and potential returns. Consult with experts, such as property managers, for additional insights.

✅ Collaborate with a mortgage broker - In the current interest rate landscape, comparing mortgage options is vital for securing the best interest rate and loan product tailored to your situation. A mortgage broker is an invaluable asset for investors.

If you need assistance with your investment property journey, don't hesitate to contact us! We can provide personalised, expert advice!

📲 1300 741 660
📧 [email protected]

Here's why consolidating your debts after the holiday season is a smart move!

✅ Accelerated debt repayment - Shifting high-interest debt to a loan with better terms and lower interest rates reduces the overall repayment amount.

✅ Simplified management - With just one loan and a single repayment, it becomes much easier to handle.

✅ Reduced interest rates - Lower interest rates translate to decreased repayments, putting more money back in your pocket.

✅ Enhanced credit - Effective debt consolidation can lead to lower borrowing costs, faster debt repayment, and potentially boost your credit score.

Need assistance with consolidating your debts? Reach out to us to explore how we can help!

📲 1300 741 660
📧 [email protected]

RBA Update for February 🏦

The RBA have chosen to hold the official cash rate at 4.35%.

Regularly reassessing your home loan is of utmost importance to confirm it aligns with your requirements.

Working with a mortgage broker or trusted finance professional can help simplify the process and and find the products to best suit your needs.

If you need any assistance with your home loan, don't hesitate to contact us!

📲 1300 741 660
📧 [email protected]