Into Finance Lending Solutions

09/06/2026

4 things to have ready before applying for a business loan before EOFY

With 30 June approaching, many businesses are looking to secure finance before the end of the financial year. Getting your documents in order before you apply can speed up the process and improve your chances of approval.

Up-to-date financial statements - Most lenders will want to see your last two years of tax returns and financials. Make sure these are lodged and readily available.

Recent business bank statements - Lenders will assess your cash flow and trading history, typically over the last three to six months. Clean, consistent statements make a strong case.

A clear purpose for the funds - Knowing exactly what the loan is for, equipment, working capital, stock, helps lenders assess the right product and structure for your needs.

Your ATO account in good standing - Outstanding tax debts or overdue BAS lodgements can complicate or delay an application. Addressing these before you apply puts you in a stronger position.

Jesse can help you compare your options across a range of business lending products and guide you through the application process before the EOFY deadline. To discuss call Jesse on 0406 184 144.

04/06/2026

Institutional investors are turning back to office property

Australia’s office property market is showing early signs of recovery, and institutional investors are taking notice.

MSCI’s Pacific head of private assets research Ben Martin-Henry said the turning point may have arrived.

“The death of the office has been overstated. We appear to have reached the bottom. We’ve had capital growth in the last 12 months in office funds of around 2 per cent. That’s a significant change.”

However, the recovery is not even. Performance remains highly asset-specific, with prime-grade stock in established CBD precincts leading the rebound while secondary assets and new developments continue to struggle to attract capital partners and tenants.

01/06/2026

Australia emerges as a standout for global capital

Australia’s commercial real estate market is attracting growing attention from global private capital, with Knight Frank’s Wealth Report 2026 identifying it as one of the world’s most liquid real estate markets.

Relative stability, strong governance and high-income returns are driving ongoing interest from both offshore investors and an expanding local pool of buyers.

The report suggests there is renewed interest in retail assets anchored by essential services, early signs of office recovery led by prime-grade stock in Brisbane, Adelaide and Sydney, and a growing appetite for data centers as critical infrastructure driven by AI and digital demand.

If you’re considering commercial property as part of your investment strategy, call Jesse on 0406 184 144 to help you compare your options.

01/06/2026

4 things to know about car finance before the new financial year

EOFY is one of the most popular times to buy a car. However, before you sign anything, here are four things worth understanding about how car finance works.

Dealer finance isn’t always the best deal - Finance arranged through a dealership can be convenient, but it’s not always competitively priced. Comparing options before you visit the dealership puts you in a much stronger position.

Pre-approval gives you negotiating power - Having finance pre-approved means you know exactly what you can spend and can focus on negotiating the best price on the car itself.

Watch out for balloon payments - A large residual payment at the end of a loan term can lower your monthly repayments, but means a significant lump sum falls due later. Make sure you understand the full structure before you commit.

Your credit history matters - Lenders will assess your credit file as part of the application. Checking your report before you apply means no surprises and gives you time to review anything that could affect your approval.

A Jesse can help you compare your options across a range of car loan products before you set foot in a dealership. Call on 0406 184 144.

28/05/2026

First home buyer scheme driving up prices for affordable homes

The expanded 5 per cent deposit guarantee scheme is increasing competition at the lower end of the market.

Since the scheme was expanded on 1 October last year, properties below the price caps have grown 6.7 per cent in value, nearly twice the 3.6 per cent recorded for homes above the thresholds.

Sydney shows the sharpest divide, with homes under the $1.5 million cap rising 4.1 per cent over six months while those above fell 1.1 per cent.

The share of suburbs with a median house value below the price caps has dropped from 48.6 per cent nationally in September to 39.5 per cent by March.

Call Jesse on 0406 184 144 to discuss the first home buyers scheme for your first home!

26/05/2026

5 ways to strengthen your home loan application

Lenders assess far more than just your income. Taking a few steps before you apply can make a real difference to your chances of approval.

Check your credit report – Look for errors, defaults or missed payments before a lender does.

Reduce unused credit card limits – Lenders assess cards at their full limit, not just the balance you carry.

Show consistent savings – Regular deposits into a savings account signal good financial habits.

Pay down existing debts – Car loans, personal loans and buy now, pay later balances all reduce your borrowing capacity.

Avoid new credit applications – Multiple enquiries on your credit file in a short period can raise concerns for lenders.

Contact Jesse on 0406 184 144 to review your financial position and help you compare your options before you apply.

26/05/2026

Home value growth slows but remains positive

Australia’s housing market continues to grow, with national home values rising 0.3% in April according to Cotality. While Sydney and Melbourne saw modest monthly dips of 0.6%, most markets are still trending upward.

Perth remains a standout performer, with values up 2.1% in April alone, adding more than $21,000 to the median dwelling value. Brisbane, Adelaide and Darwin also continued to grow, each recording monthly gains above 1%, reflecting the strength of demand across the mid-sized capitals.

Regional markets are also particularly strong, rising 4.2% over the first four months of the year, more than double the 1.8% recorded across the combined capitals. Bunbury in WA led the smaller markets with growth of 9.8% year-to-date, while no regional market saw a decline over the period.

21/05/2026

Why timing matters when applying for equipment finance

When businesses need new equipment, many focus on the price or loan terms. But timing could play a surprisingly important role in how smoothly the finance process goes and how much you ultimately pay.

Here are a few reasons why planning ahead could make a difference.

Supplier discounts could appear at key times – Manufacturers and dealers often run promotions at the end of financial quarters or calendar years.

End-of-year budgets could unlock opportunities – Some suppliers and lenders are more motivated to finalise options as financial years or reporting periods close, which could create favourable pricing or faster approvals.

Lender processing times vary – During busy periods, such as the start of a new year, lenders often receive a surge in applications. Applying early could help avoid delays when businesses need equipment quickly.

Stock availability could change quickly – Popular machinery, vehicles or specialised equipment could sell out fast. Securing finance in advance could help businesses move quickly when the right asset becomes available.

For businesses planning upgrades or expansion, thinking about timing early could help avoid delays and potentially reduce costs. Give Jesse a call 0406 184 144 and let him help compare your options.

19/05/2026

Why cash flow matters more than profit for growing businesses

Many business owners focus on profit when reviewing their financial performance. But when it comes to growth and borrowing, cash flow often matters far more.

This is why lenders pay close attention to cash flow when assessing business finance applications.

Cash flow determines repayment ability – Lenders want to see that your business generates enough consistent cash to comfortably meet loan repayments.

Timing matters – If clients take 30, 60 or even 90 days to pay invoices, a profitable business could still experience short-term cash shortages.

Growth could increase pressure – Rapid expansion often means higher upfront costs for staff, stock or equipment before revenue catches up.

Strong cash flow builds lender confidence – Businesses that manage working capital well are often viewed as competitive choice.

If your business is growing, call Jesse on 0406 184 144 to help compare your options.

18/05/2026

For anyone trying to understand how the resent budget changes effect you on your property investing journey this podcast explains it clearly.

https://podcasts.apple.com/us/podcast/597-federal-budget-2026-are-you-a-winner-or-loser/id969904333?i=1000767590608

https://open.spotify.com/episode/2n7TkWsZ9FGx1CzeQ5eIuC?si=b85766411b5d4032

Podcast Episode · The Property Couch · May 13 · 1h 11m