Are you being locked out by the big banks?

Posted Thursday, December 07, 2017 Comments (0)

There is no denying the current environment for commercial lending is going through a speculative period; with the lending market constricting in terms of credit approvals, acceptable security and loan terms. With interest rates remaining on hold at record lows for the 15th month in a row,  ... more

Struggling to get Commercial Finance?

Posted Wednesday, October 12, 2016 Comments (0)

There is no denying the current climate for commercial lending is experiencing a turbulent period, with the lending market constricting in terms of credit approvals, acceptable security and loan terms. With interest rates at record lows, property investors are feeling the pressure to employ thei ... more

Oversupply of Apartments – Fact or Fiction?

Posted Monday, May 30, 2016 Comments (0)

Australia is currently witnessing a significant boom in the number of apartments being built; city skylines are littered with cranes, particularly amongst the major cities across the east coast. As a result, banks are tightening their lending policies to apartment developers. The following table ... more

The Lending Landscape – Some Current Trends

Posted Wednesday, April 27, 2016 Comments (0)

2016 has started with record Bank profits, interest rates still at historical lows, and a significant amount of experts warning of a unit supply bubble in Brisbane. Balmain has been arranging property finance for over 35 years and the the top 3 changes / trends we have identified in the cu ... more

Funding Residual Stock

Posted Tuesday, November 17, 2015 Comments (0)

With APRA regulation constraining bank residential investment lending and demand & supply factors moving to higher risk grades, some developers may require more time to sell their unsold residential unit stock upon completion. Balmain can source funding that will entertain a 70% LVR of  ... more

Financing Specialised Assets

Posted Tuesday, November 17, 2015 Comments (0)

What is a specialised asset? Specialised assets are purpose built properties that often have specific zoning. Examples include bed & breakfast lodges, child care centres and petrol stations to name a few. Specialised properties usually have a free hold value (the physical asset) and a lease ... more

What do you need to get your finance approved?

Posted Wednesday, July 08, 2015 Comments (0)

Confusion. Frustration. Delays. These issues are akin to being stuck in a room full of politicians trying to solve a Rubik’s cube – no one wants any part of it, especially when it comes to arranging finance for your property. However, I bet if you were to sit down with a group of inv ... more

Business Loans: All in or spread it around?

Posted Tuesday, June 16, 2015 Comments (0)

Many small business borrowers often ask me this question: should I source all my business lending from the one lending institution, or should I spread my lending around various lenders? It’s a great question, and there are pros and cons to both options. Below I examine these in further det ... more

Family, Business and Finance

Posted Monday, May 18, 2015 Comments (0)

With the 2015 Federal Budget upon us this evening and the new tax cuts for small business, I thought it timely to share my thoughts, feelings and experience on family business and of course finance matters. I come from a large family, one who has been in the property and construction indus ... more

Borrowing Through Your SMSF – Is Change Coming?

Posted Tuesday, April 28, 2015 Comments (0)

There has been plenty of speculation in the media of late about significant changes being made to the ability of a Self-Managed Super Fund (SMSF) to borrow funds to purchase property. David Murray’s recent Financial System Inquiry has even gone to the extent of recommending the government  ... more

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