Octus Finance

Octus Finance Octus Finance is a Melbourne-based finance brokerage committed to helping clients Australia-wide achieve their financial goals.

🚫 MYTH: Lenders do not offer 100% funding✅ FACT: In the right scenario, 100% funding is possible Most business owners as...
12/06/2026

🚫 MYTH: Lenders do not offer 100% funding
✅ FACT: In the right scenario, 100% funding is possible

Most business owners assume you always need to put in your own cash to secure a loan.
But depending on the deal, there are ways to structure funding where you do not need to contribute upfront, such as:

• Using property as security
• Leveraging existing equity
• Business cash flow-based lending
• Hybrid structures using rental income + business income

It is not available for every situation but, it is definitely not “impossible”.

The key is structuring the deal correctly and working with the right lender.

If you have been told you need a large cash contribution, it might be worth getting a second opinion.

If your business loan starts with a 7% or 8%… we should talk…..That rate may have been competitive in the past, but many...
11/06/2026

If your business loan starts with a 7% or 8%… we should talk…..

That rate may have been competitive in the past, but many business owners today are simply on structures that have not been reviewed in a while.

If your loan is property-backed and sitting above 7%, it may be worth getting a second opinion.

In some cases, refinancing to a more suitable structure may be possible depending on your situation, equity position, and lender assessment.
If you have not reviewed your business loan recently, you could be paying a “set and forget” cost without realising it.

A quick comparison could help you understand whether your current structure is still competitive.

📩 DM to request a no-obligation review



Credit Representative Number: 571032
Credit services provided under Australian Credit Licence held by Finsure Finance & Insurance Pty Ltd (ACL 384704)
All lending is subject to lender credit assessment, eligibility criteria, and approval.

Most business owners I speak to are still renting… They are focused on growing the business but not really thinking abou...
29/05/2026

Most business owners I speak to are still renting…

They are focused on growing the business but not really thinking about what they are building outside of it.
Lately I have been having a lot of conversations with clients who are:

-still leasing their premises
-running solid, profitable businesses
-but not building long-term assets

Usually, there are two directions worth looking at:

1. Buying your own premises instead of renting
2. Picking up a commercial investment property leased to someone else

What surprises most people is what can actually be done from a lending side.

In the right scenario, even 100% funding can be possible, it really comes down to:
- how the business is performing
- what equity is available elsewhere
- and how the deal is structured

There are also options around:
- longer loan terms
- interest-only periods upfront to help with cash flow
- rates starting from the mid 6% range

If you are leasing at the moment or have not really looked into this before, it is probably worth exploring what is possible.

Debt Consolidation – One way to save in a high rate environment 👊 Spoke to a client recently who had:-A home loan-A car ...
22/05/2026

Debt Consolidation – One way to save in a high rate environment 👊
Spoke to a client recently who had:

-A home loan
-A car loan
-A personal loan
-Credit card debt

All at different (and fairly high) interest rates.
They were keeping up with repayments, but still not really getting ahead.

This is more common than people think.
In situations like this, debt consolidation can be a good option, bringing everything into one loan, often at a lower rate, which can help reduce monthly repayments and overall interest.

Not for everyone, but definitely worth looking into.

If you are in a similar position, happy to have a chat and run through your options.

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Budget 2026/2027 - Everyone’s focused on the red light but the opportunity is in the green arrow 😊 Last night’s Budget ...
13/05/2026

Budget 2026/2027 - Everyone’s focused on the red light but the opportunity is in the green arrow 😊

Last night’s Budget did not kill property investing.
It just changed where and how people will borrow.

Most of the headlines are around what’s “stopping”, negative gearing, CGT, taxing trust income.

But from what we are seeing, the real shift is direction:

-Investors may start looking more at new builds
-Established property could see less investor competition
-Lending strategy will matter just as much as tax strategy

For business owners, there is another angle:
With the $20k instant asset writeoff continuing, many SMEs may look to bring forward purchases, vehicles, equipment, fit outs.

Which usually leads to one thing… funding does not stop, it just moves.

What this Budget has really done is increase complexity.

And when complexity increases, having the right people around you (accountant, broker, adviser, lender) becomes even more important before making any big decisions.

If you are currently reviewing:

- A potential property purchase
- Business expansion plans
- Or your existing lending

Happy to have a chat and share what we are seeing in the market.

BUDGET 2026/2027- There is a lot of noise right now around potential changes to negative gearing, CGT, and trust structu...
11/05/2026

BUDGET 2026/2027- There is a lot of noise right now around potential changes to negative gearing, CGT, and trust structures ahead of the upcoming budget.

Nothing is confirm yet but if even part of what is being discussed comes through, I believe it could significantly reshape how property investors approach their next purchase.

Here is what is worth paying attention to:

• Negative gearing may be limited on future purchases
• CGT discount could reduce from 50% to circa 33%
• Trust structures may face tighter tax treatment

The key word here is FUTURE.

If grandfathering applies (as widely expected), the timing of your next purchase could become more important than ever.

What this means in practice:
👉 The focus may shift from tax driven investing TO cashflow and structure driven decisions
👉 Asset selection could move toward new builds or dual income properties
👉 Getting the right advice before you buy will matter more than ever

This is not about rushing into decisions, it is about being informed and positioned.

Interest rates are already high, and there is a strong chance we may see another increase next week If you have got a ho...
01/05/2026

Interest rates are already high, and there is a strong chance we may see another increase next week

If you have got a home loan or business loan, this is not the time to panic but it is the time to be proactive.

What we are seeing right now is a lot of people assuming:

“There is nothing I can do about it”

That is not entirely true.

Yes, reviewing your rate or refinancing helps.
But the bigger opportunity most people miss is this:

It is not just about the rate, it is about how your debt is structured.

Here are some of the less obvious ways clients are saving money right now:

✔️ Repricing with your existing lender (without refinancing)
✔️ Splitting loans to separate deductible vs non-deductible debt
✔️ Using offset accounts more effectively (instead of redraw)
✔️ Adjusting loan terms to improve cashflow or reduce total interest
✔️ Fixing a portion of the loan, not all of it, to hedge risk
✔️ Reviewing hidden fees (especially in business facilities)
✔️ Restructuring business debt (e.g. overdraft vs term lending)

In some cases, small structural changes are saving clients thousands per year, without switching lenders.

The reality is:
Different lenders are pricing and assessing deals very differently right now.
So if you have not reviewed your lending in a while, there may be opportunities you are not aware of.

Happy to have a quick chat and give you a second opinion, no pressure.

Is your loan rate set by the bank… or by the market? 🤔 This mainly applies to larger or more structured commercial loans...
24/04/2026

Is your loan rate set by the bank… or by the market? 🤔

This mainly applies to larger or more structured commercial loans, not your typical small business facilities.

For these types of loans, your rate usually has two components:

• BBSY – the market-driven cost of funds
• Bank margin – the fixed component set by the lender

What many people do not realise is that BBSY can move even when the Reserve Bank of Australia has not changed the cash rate.

It reflects broader market conditions, including funding costs and expectations of where rates are heading.

So even if the official rate stays the same, your borrowing cost can still shift.
That is why structure matters more than ever in a volatile environment.

Depending on how your facility is set up, you may be able to:

• 🔒 Fix part of your exposure
• 🛡️ Put a cap in place to limit upside risk
• 🎯 Use a collar (floor + ceiling)
• 🔀 Split facilities to balance flexibility and certainty

It is not just about chasing the lowest rate , it is about managing cash flow and risk effectively.

If you are dealing with larger or more complex loans and have not reviewed your structure recently, it may be worth a conversation.

Costs are rising but your spending does not have to….. With everything happening globally, we are starting to feel it he...
20/04/2026

Costs are rising but your spending does not have to…..

With everything happening globally, we are starting to feel it here at home, fuel, groceries, and everyday costs creeping up.

I am not a financial adviser, but here is a simple perspective that is been resonating:

When costs rise, it is a good time to reassess spending.

Try this:

split everything into two categories:

✔️ Essential

✔️ Discretionary.

Over time, expenses creep in quietly, subscriptions, convenience spending, small recurring payments.

One idea I have found useful is doing a periodic “reset”, reviewing card payments and direct debits.

It forces every expense to justify its place.

If it is not worth reactivating, it probably was not that important.

Moments like this can put pressure on cash flow, but they can also be an opportunity to regain clarity and control.

This is not advice, just an observation based on what I am seeing.

If you ever want to sense check your loan or repayments, I am always happy to chat.

Is your debt helping your business grow or holding it back? 🤔Most Business Owners/CFOs/Accountants focus on the rate 📊, ...
31/03/2026

Is your debt helping your business grow or holding it back? 🤔

Most Business Owners/CFOs/Accountants focus on the rate 📊, but from what I see, the real opportunity is usually in how the debt is structured.

With where rates are right now 📉📈, it is a good time to reassess. Even small changes can make a noticeable difference to cash flow and risk 💡

For example:
• Splitting facilities between fixed, variable and interest only 🔀
• Using offset/redraw properly to manage surplus cash 💰
• Introducing money market or bill facilities for shorter-term pricing and hedging options 📉
• Aligning loan terms with the actual asset life ⏳
• Structuring repayments around your cash flow cycles 🔄

Done right, this can help you:

• Lock in certainty where you need it 🔒
• Keep flexibility for growth 🚀
• Improve overall cash flow 📈💸

The lowest rate is not always the best outcome, structure plays a bigger role than most people think ⚖️

If you are not sure if your current setup is working as hard as it should, happy to have a quick chat and share a few practical ideas ☕

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Waterman Business Centre, Suite 298, Level 2, 3 Janefield Drive
Bundoora, VIC
3083

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