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

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

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

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

Interest rate movements – How do they affect you as a borrower?

Posted Tuesday, April 14, 2015 Comments (0)

The Reserve Bank of Australia (RBA) met last Tuesday (7th April) and held the official cash rate at 2.25% for the second consecutive month since the 25 basis point reduction in February. Prior to the meeting, the market consensus was swayed towards another rate cut and, given the outcome that ha ... more

10 tips to getting the best commercial property loan

Posted Thursday, March 26, 2015 Comments (0)

Michael Holm is the Executive Chairman of Balmain Corporation. Michael shares his top 10 tips to getting the best commercial property loan. Getting a commercial property loan should be easy right? After all isn’t that what lenders want to do – lend you money? In fact getting a c ... more

No need to wail over a short WALE

Posted Tuesday, February 24, 2015 Comments (0)

A long term Weighted Average Leasing Expiry (WALE) is more desirable for the stability of rental income streams of commercial properties and an important factor to consider when arranging finance (see our article about WALE). However, if properties have leases that are due to expire in the  ... more

Evolution of Crowdfunding within Real Estate…?

Posted Tuesday, February 10, 2015 Comments (0)

The real estate investment landscape is ever changing with investors comprising of mum and dad investors, sophisticated investors, superannuation funds, equities and the list goes on. This evolution has subsequently seen the growth of investment vehicles such as property securities, REITS, funds ... more

Fixed interest rates – the Low Down

Posted Thursday, January 29, 2015 Comments (0)

There wouldn’t seem to be a week go by where a politician, economic forecaster or media commentator is not discussing the outlook for interest rates. The decision to fix the interest rate on your debt and the period you fix can have a significant impact on the financial return on an invest ... more

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