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

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

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

The economic climate and its effect on interest rates

Posted Friday, September 19, 2014 Comments (0)

Economists never agree entirely, but most are predicting Australian economic growth in 2015/16 to be much stronger than the past, which is a good thing when considering the fairly anaemic growth of the previous 7 years. USA Growth Progress in the US economy will be the key catalyst for the ... more

The constantly changing Finance landscape - Whats happening in 2014?

Posted Thursday, August 14, 2014 Comments (0)

Well a lot has happened in the Banking and Finance market in the World and Australia in recent times. Unless you have been living in a cave for 10 years, you will know too well about the GFC, and probably have a story to tell about how it changed your life. So whats changed in our finance w ... more

What is WALE and why is it important in securing commercial property finance?

Posted Tuesday, July 08, 2014 Comments (0)

WALE is the Weighted Average Lease Expiry of a property, and measures the average time period in which all leases in a property will expire. A shorter WALE (ie. up to 3 years) indicates that there is greater turnover in tenants in the near term and there may be higher costs in re-tenanting and m ... more