Lend Now

Lend Now Lend Now is a mortgage brokerage firm based in Epping VIC, specialising in First Home Buyers, Investors , Self Employed
Car Loans/Truck Loans, Commercial/SMSF

29/05/2026

Getting knocked back by the bank does not always mean the answer is no.

Whether you need a car loan, truck finance, commercial vehicle loan, or equipment finance for your business, we work with a range of lenders to help find a solution that fits your situation.

Self-employed? Irregular income? Already declined before? We understand that every business is different, and we are here to help guide you through the process with more than just one option.

Send us a message today for quick information, and let’s get you moving. 🚗

📞 0434 098 598 or 0406 437 914
📩 [email protected]
📍31 Trafalgar Road Epping VIC 3076
🌐 https://lendnow.com.au

The ATO takes SMSF compliance seriously, and property-related breaches are among the most common reasons a fund gets aud...
27/05/2026

The ATO takes SMSF compliance seriously, and property-related breaches are among the most common reasons a fund gets audited.

Using the property personally, purchasing from a related party incorrectly, setting up the bare trust structure wrong, or mixing personal and fund finances during settlement are all common errors.

These aren't just paperwork issues. They can lead to significant penalties or the fund losing its tax concessions entirely.

If you're planning to purchase property through your SMSF, getting the structure right from the start is non-negotiable.

We specialise in SMSF lending and work alongside your accountant and adviser to make sure everything is done correctly.

📞 ‪0434 098 598‬ or 0406 437 914
📩 [email protected]
📍31 Trafalgar Road Epping VIC 3076
🌐 https://lendnow.com.au

Some lenders now offer reduced rates for electric vehicles as part of green loan products, and the FBT exemption for eli...
26/05/2026

Some lenders now offer reduced rates for electric vehicles as part of green loan products, and the FBT exemption for eligible EVs through novated leasing has made them more attractive for employees looking to salary package a car.

The difference in rates between lenders can still be significant, so accepting the first offer isn't always the best move. We work with a range of lenders and can compare what's currently available for EV finance, whether it's for personal use or a business vehicle.

Thinking about making the switch to electric? Talk to us, and we’ll help you find the right deal.

📞 ‪0434 098 598‬ or 0406 437 914
📩 [email protected]
📍31 Trafalgar Road Epping VIC 3076
🌐 https://lendnow.com.au

Every time the RBA adjusts the cash rate, it flows through to variable home loan rates across the country. A rate rise i...
25/05/2026

Every time the RBA adjusts the cash rate, it flows through to variable home loan rates across the country.

A rate rise increases your repayments. A cut reduces them, but only if your lender passes it on in full. Fixed- rate borrowers are protected during their term but miss out on savings when rates drop.

If your loan hasn't been reviewed in the past 12 months, there's a good chance a better deal exists. We review loans regularly, and the savings can be meaningful.

Get in touch.

📞 ‪0434 098 598‬ or 0406 437 914
📩 [email protected]
📍31 Trafalgar Road Epping VIC 3076
🌐 https://lendnow.com.au

A broker's job is to understand your financial situation and find the loan that genuinely fits it. Instead of being limi...
24/05/2026

A broker's job is to understand your financial situation and find the loan that genuinely fits it. Instead of being limited to one bank's products, a broker has access to a wide panel of lenders - including major banks, regional banks, and specialist lenders. The lender pays the broker once your loan settles, so the service costs you nothing out of pocket.

The value isn't just in finding a competitive rate. It's in structuring the loan correctly, preparing your application properly, and managing the process through to settlement.

If you haven't reviewed your lending recently or want someone in your corner, we're here to help.

Send us a message anytime.

📞 ‪0434 098 598‬ or 0406 437 914
📩 [email protected]
📍31 Trafalgar Road Epping VIC 3076
🌐 https://lendnow.com.au

22/05/2026

Managing multiple debts and credit cards can quickly become overwhelming, especially when high interest repayments start affecting your monthly cash flow and borrowing power.

Debt consolidation may help simplify your finances by combining outstanding debts into one manageable repayment through your home loan, subject to eligibility and available equity.

This can potentially reduce financial pressure, improve cash flow, and help you regain control of your finances.

Reach out to the team for a home loan review and explore your options.

📞 ‪0434 098 598‬ or 0406 437 914
📩 [email protected]
📍31 Trafalgar Road Epping VIC 3076
🌐 https://lendnow.com.au

If you're self-employed and your tax return doesn't reflect what you actually earn, your BAS statements could be the key...
20/05/2026

If you're self-employed and your tax return doesn't reflect what you actually earn, your BAS statements could be the key to getting your loan approved. Most lenders want to see at least 12 months of BAS lodged consistently and directly with the ATO.

The stronger and more stable your figures are across those quarters, the more borrowing power you're likely to have. Not every lender accepts BAS as income verification, and those that do assess it differently, so knowing where to take your application makes all the difference. If your business is in good shape and you've been lodging regularly, you may have more options than you think.

Send us a message and let's see what your BAS can unlock.

📞 ‪0434 098 598‬ or 0406 437 914
📩 [email protected]
📍31 Trafalgar Road Epping VIC 3076
🌐 https://lendnow.com.au

SMSFs can purchase both, but the rules and advantages are quite different. Residential properties offer more market opti...
19/05/2026

SMSFs can purchase both, but the rules and advantages are quite different. Residential properties offer more market options. but cannot be used by fund members or related parties.

Commercial properties can actually be leased back to a business owned by a fund member at market rate, making it a popular choice for business owners who want rent going into their own super instead of someone else's pocket.

Commercial leases also tend to be longer, and tenants typically cover more outgoings, supporting more stable returns. The lending criteria differ between the two as well, so the finance decision needs to sit alongside the investment one.

Want to explore which suits your fund? Let's have a chat.

📞 ‪0434 098 598‬ or 0406 437 914
📩 [email protected]
📍31 Trafalgar Road Epping VIC 3076
🌐 https://lendnow.com.au

This comes up more than you'd think. In some situations, a guarantor arrangement allows a partner's financial position t...
18/05/2026

This comes up more than you'd think. In some situations, a guarantor arrangement allows a partner's financial position to support your application without them being a co-borrower on the loan.

Joint applications combine both incomes and both credit histories, which can either strengthen or complicate things depending on the circumstances.

There's no universal answer, which is why understanding your specific situation before applying anywhere is so important. We look at how your household income and assets are structured and find the approach that gives you the best outcome.

Reach out and let's work through it together.

📞 ‪0434 098 598‬ or 0406 437 914
📩 [email protected]
📍31 Trafalgar Road Epping VIC 3076
🌐 https://lendnow.com.au

A less-than-perfect credit score doesn't automatically mean rejection. While a strong score opens up more options and be...
17/05/2026

A less-than-perfect credit score doesn't automatically mean rejection. While a strong score opens up more options and better rates - there are lenders who specialise in working with borrowers who have defaults, late payments, or limited credit history.

Lenders also look beyond the number. Income, employment stability, and loan size all factor into the decision. Applying to multiple lenders yourself can leave additional marks on your credit file, which makes things harder.

Tell us where you're at, and we'll find the right path forward.

📞 ‪0434 098 598‬ or 0406 437 914
📩 [email protected]
📍31 Trafalgar Road Epping VIC 3076
🌐 https://lendnow.com.au

If you use a vehicle for business, the way you finance it affects what you can claim at tax time. A chattel mortgage can...
13/05/2026

If you use a vehicle for business, the way you finance it affects what you can claim at tax time. A chattel mortgage can allow you to claim the GST upfront and potentially depreciate the full asset value depending on current thresholds.

A finance lease works differently and suits other situations. Many people accept whatever finance the dealership offers without realising a smarter structure could save them significantly. We work with business owners to set up vehicle and equipment finance in a way that works for both cash flow and tax.

Ask us how to do it properly before your next purchase.

📞 ‪0434 098 598‬ or 0406 437 914
📩 [email protected]
📍31 Trafalgar Road Epping VIC 3076
🌐 https://lendnow.com.au

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31 Trafalgar Road
Epping, VIC
3076

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