There are several fees that often aren’t discussed at length when buying a property or business loans. These include stamp duty, pest and building inspections and mortgage registration and transfer fees. Did you know some of these fees are different for investors? Get in touch with us today for an up-front conversation about all the hidden fees.

Absolutely! You can use your existing home to buy your investment (commercial or residential) without needing to dive into your savings. This equity can be used for various different reasons, such as a deposit, bonds, renovations or to take out a line of credit.

The ideal loan should maximise your goals for cash-flow and capital growth. One of the first considerations for your loan is will it have a fixed or variable interest rate? Or will it be interest only for tax and accounting benefits. Different lenders also play a part as they all offer different loan options. I can help you understand your options and find the right loan with the right features to save you both time and money.

Commercial lending refers to the process where banks, credit unions, or other financial institutions provide loans to businesses for a variety of purposes, such as expanding operations, purchasing equipment, or covering operating expenses. These loans are typically larger and more complex than personal loans and may be secured by collateral, such as real estate or business assets.

There are several types of commercial loans available, including term loans, lines of credit, commercial mortgages, equipment financing, and SBA (Small Business Administration) loans. Each type of loan is tailored to meet specific business needs, such as short-term cash flow requirements, long-term capital investments, or property purchases.

Lenders typically evaluate several factors when considering a commercial loan application, including the business's credit history, cash flow, profitability, business plan, collateral, and the personal credit of the business owner(s). They also assess the industry in which the business operates and any external factors that could impact the business's ability to repay the loan.

A secured commercial loan is backed by collateral, such as real estate, equipment, or other business assets, which the lender can seize if the borrower defaults. An unsecured commercial loan does not require collateral, making it riskier for the lender. As a result, unsecured loans typically have higher interest rates and stricter qualification criteria compared to secured loans.