Can You Get a Home Loan With ATO Tax Debt?
Key Takeaways Lenders read the shape of the debt, so a small balance under a met payment plan sits in a different category from a large one behind unlodged returns.…
Investment Property Loans Explained: How They Differ From Owner-Occupied Home Loans
Key Takeaways The defining difference is loan purpose: investment loans usually carry higher rates, tighter LVRs, and more often interest-only repayments than owner-occupied loans. Lenders shade rental income, counting only…
Residential vs Commercial Investment Property Loans: Which Is Harder to Get?
Key Takeaways Commercial investment property loans are generally harder to obtain than residential investment loans, but the 'harder' framing oversimplifies; the two have fundamentally different mechanics across deposit, rate, income…
Commercial Property Loans for Professional Service Practices: Medical, Legal, Accounting and Allied Health
Key Takeaways Professional service practitioners (medical, legal, accounting, allied health) typically receive favourable commercial lender treatment because of strong, stable income, industry resilience, and high barriers to entry that protect…
Commercial Loans for Franchises: Buying Premises, Fit-Outs or Equipment
Key Takeaways Franchise finance typically involves multiple loan categories working together: premises (buying or leasing), fit-out finance, equipment finance, and working capital, each with different LVRs, terms, and lender appetites.…
Buying Commercial Property as an Investment: Finance Risks Every Business Owner Should Understand
Key Takeaways Commercial property investment carries specific risks that connect directly to the loan structure: lease expiry, tenant quality, outgoings, GST treatment, valuation volatility, yield compression, and vacancy periods all…
SMSF Property Rules in Australia: The Sole Purpose Test, What You Can Buy, and What the ATO Penalises
Key Takeaways An SMSF can hold residential or commercial property, but every decision is judged against the sole purpose test, which is providing retirement benefits rather than present-day perks. You…
Buying Commercial Property with a Loan: What to Know Before You Sign a Contract
Key Takeaways Pre-contract preparation matters more for commercial property than residential: finance clauses, valuation risk, GST, zoning, leases, and settlement timing all need to be addressed before signing rather than…
How to Get a Commercial Loan in Australia: Step-by-Step Application Guide
Key Takeaways A commercial loan application follows a defined pathway: enquiry, document preparation, lender selection, formal application, valuation, approval, and settlement. Preparation matters more than speed. Most delays come from…
