Charter Finance

Charter Finance Strategic lending. Smarter debt. Lasting wealth. How many times has your bank contacted you to review your loan and save you money?

At Charter Finance, we ensure our clients are given the knowledge and freedom to chart a path that gives them the best return. Every dollar that you work so hard for, will benefit you, not the bank! Go on, take action, and let us chart this journey with you!

10/08/2026

High income doesn’t always mean you’re getting ahead.

One of the biggest challenges we see isn’t a lack of income, it’s a lack of clarity.

Before clients make investment decisions with their financial adviser, we help them understand exactly where their money is going and how much surplus they’re genuinely creating each month.

Once cash flow is clear, investing becomes far less stressful. Decisions are based on confidence, not guesswork.

The video shares a recent client example of how a few changes to cash flow completely changed the direction of their finances.

Sometimes the biggest breakthrough isn’t earning more, it’s making your existing income work harder.

07/08/2026

Deal of the Week: Would you rather save $16,000... or avoid losing $220,000?

That’s the question.

Too many people choose a loan based on the lowest interest rate without considering the bigger financial picture.

Sometimes the real cost isn’t paying a slightly higher rate.

It’s missing the opportunity altogether.

In this week’s client story, we explain why the best lending strategy wasn’t the cheapest loan, it was the one that delivered the better long-term outcome.

Because great debt advice isn’t about finding the lowest rate.

It’s about helping you make the best financial decision.

FinancialWholeness

Debt recycling sounds complicated - it’s really not.Here’s the idea: you’ve got non-deductible debt against your home. I...
06/08/2026

Debt recycling sounds complicated - it’s really not.

Here’s the idea: you’ve got non-deductible debt against your home. Instead of just paying it down the usual way, you gradually convert portions of it into tax-deductible investment debt.

Same income. Same repayments. Different outcome.

Your income doesn’t just have to service debt - it can build investments at the same time.

The people who build real wealth aren’t only focused on paying debt off. They’re focused on making that debt work for them.

Done right, debt recycling can improve cashflow and speed up long-term wealth creation. But structure matters…a lot. This isn’t a strategy to set up yourself.

Want to see the numbers for your situation? https://www.charterfinance.com.au/calculators/

InvestmentStrategy PersonalFinance

The quieter commercial story gets far less attention than the investor switch and for many business owners, it may be th...
30/07/2026

The quieter commercial story gets far less attention than the investor switch and for many business owners, it may be the better one: buying the premises you already operate from. Every rent payment builds someone else’s equity.

Lending treats you differently when you occupy the space. Owner-occupiers can often reach up to 80% of value, against 65-75% for investors, on sharper rates - a business buying its own premises is lower risk than a landlord relying on a tenant who might leave.

If need be, lenders also weigh your business’s ability to service the debt from its trading cash flow (though, wherever possible, we look to exclude our clients’ businesses from the bank’s security pool).

One telling figure: only ~40-45% of commercial deals go through a broker, against ~80% of home loans. Most business owners do this alone - exactly where costly mistakes happen: wrong entity, wrong lender, wrong loan.

This is the Charter Finance lane: matching the structure, entity and lender to your business before you commit.
CommercialLending DebtStrategy

29/07/2026

Commercial yields look great until you see what they’re paying you for: vacancy. 🏢

Residential vacancy is under 2%. CBD office runs near 14, close to 19 in Melbourne. An empty asset earns nothing while the loan keeps running.

Strong coverage on paper means nothing the day the tenant leaves. Here’s why where you buy matters ▶️

PropertyInvestment DebtStrategy PropertyAustralia SydneyProperty

Attention has now turned to buying commercial property in an SMSF.But here’s the question few investors ask...What happe...
27/07/2026

Attention has now turned to buying commercial property in an SMSF.

But here’s the question few investors ask...

What happens if the tenant leaves?

Unlike residential property, a commercial property can remain vacant for months, while the loan repayments and other costs continue.

That’s why lenders focus on more than just the property’s value. They assess the income, the lease and whether the investment can continue to service the debt.

Before buying commercial property through your SMSF, ask yourself:

If the tenant disappeared tomorrow, could your super fund comfortably carry the property?

The property is only half the decision.

The debt structure is the other half.

“Commercial property” is three very different markets wearing one label and lenders price each one differently. Treatin...
23/07/2026

“Commercial property” is three very different markets wearing one label and lenders price each one differently. Treating them as one thing is the first mistake residential investors make crossing over.

Year to December 2025 (PCA/MSCI): industrial returned ~8.6%, retail ~7.3%, office just 5.9% with capital growth of only 0.4%, still working through high vacancy.

Here’s where debt comes in. Lenders read each sector through interest coverage - rent vs. interest cost - and set the bar by risk. A childcare centre or medical suite on a long lease might clear at lower coverage. A secondary office in a half-empty tower could be asked for close to 2x, because re-leasing risk is higher. Same buyer, same income, completely different borrowing capacity.

And it’s not one lender, one answer. A major bank, its specialist division, and a non-bank can each assess the same property differently. Some non-banks will lend on lease strength alone, no personal guarantees, if the tenant and term are strong. A major bank may never offer that.

So “commercial” isn’t the decision. The sector, the asset, the lease and the lender are, and they’re deeply connected.
Industrial, retail or office - which would you assume a lender treats as lowest risk, and why?

DebtStrategy IndustrialProperty

22/07/2026

Most lenders or brokers look at what you can borrow.
That’s the wrong question.

Here’s my 45-second take on the right one.

AustralianProperty WealthCreation TheLever SydneyBroker MelbourneBroker

Mum and dad investors are looking past residential into commercial property. Residential loan applications are down ~20%...
20/07/2026

Mum and dad investors are looking past residential into commercial property. Residential loan applications are down ~20%. The pull? Yield.

Residential gross yields: 3-4% (sub-3 in parts of Sydney)
Prime retail and industrial: 5-7%

But the real story isn’t the yield - it’s how the debt is assessed.

Commercial lending is measured on interest coverage: does the rent cover the interest? Non-bank lenders may accept 1.2x. Major banks often want 1.5x, sometimes close to 2x.

Where rent comfortably covers interest, the asset is positively geared so the negative gearing debate that dominates residential barely applies here.

The catch: higher yield = higher risk, mainly vacancy. The discipline is the right asset, right location, a lease that holds, and debt structured to match.

Commercial lenders’ policies vary widely - even within the same bank. This is where getting the right advice early matters.

AustralianProperty CommercialRealEstate

I come across a stat fairly often in this industry: only around 8% of income earners - regardless of how much they make ...
19/07/2026

I come across a stat fairly often in this industry: only around 8% of income earners - regardless of how much they make - have their financial structure genuinely working for them.

I used to think that sounded high. The more clients I sit across from, the more I think it’s accurate.

Here’s what actually separates that 8%. Swipe through.

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