East End Finance

16/04/2026

Get your numbers right before you apply. A clear budget can make or break your loan.

Send us a message today and let’s get your finances sorted early so you can move forward with confidence.

📞03 9087 5238

📞0424 235 210
✉︎ [email protected]
✉︎ [email protected]
🌐https://eastendfinance.com.au/
📍 1/51 High Street, Glen Iris VIC 3146

14/04/2026

Loan to Value Ratio plays an important role in your loan outcome. It can influence your interest rate, lender options, and whether additional costs may apply.

Even a small change in your deposit or purchase price can impact your LVR and overall position.

Contact us to understand how your numbers position you.

📞03 9087 5238
📞0424 235 210
✉︎ [email protected]
✉︎ [email protected]
🌐https://eastendfinance.com.au/
📍 1/51 High Street, Glen Iris VIC 3146

13/04/2026

Adding another applicant does not always increase borrowing capacity. In some cases, it can reduce it depending on income, liabilities, and overall financial position.

The way the application is structured plays a key role in achieving the best possible outcome.

Speak with us to structure your application correctly from the start.

📞03 9087 5238
📞0424 235 210
✉︎ [email protected]
✉︎ [email protected]
🌐https://eastendfinance.com.au/
📍 1/51 High Street, Glen Iris VIC 3146

12/04/2026

Casual or contract income can still be considered by lenders, however it must be supported with consistent history and the right documentation. Each lender will assess this type of income differently.

A structured approach can help position your application more effectively and open up suitable lending options.

Reach out to explore what options may apply to you.

📞03 9087 5238
📞0424 235 210
✉︎ [email protected]
✉︎ [email protected]
🌐https://eastendfinance.com.au/
📍 1/51 High Street, Glen Iris VIC 3146

10/04/2026

Smart business owners don’t just focus on profit, they protect their cash flow.

With the right setup, things like asset finance, commercial loans, and proper structuring let you keep growing without putting pressure on your business. Because when finance is done right, it supports your operations instead of slowing you down.

Business first, always. Let’s structure it properly.

09/04/2026

Same income, completely different outcomes.

When it comes to investing, it’s not just about how much you earn. It’s how your loan is structured, how your debts are managed, and the strategy behind it all. That’s why two people on the same salary can end up in very different positions.

The right strategy changes everything. Let’s build yours.

07/04/2026

An unused credit card is still treated as a liability during assessment. Lenders consider the full approved limit, which can reduce your borrowing capacity more than most people expect.

Reviewing and managing these details early can help strengthen your overall application.

Get in touch to understand what may be affecting your borrowing power.

📞03 9087 5238
📞0424 235 210
✉︎ [email protected]
✉︎ [email protected]
🌐https://eastendfinance.com.au/
📍 1/51 High Street, Glen Iris VIC 3146

06/04/2026

Two people can earn the same income and still receive very different outcomes from a lender. Assessment is based on stability, consistency, and how that income is perceived from a risk perspective.

Understanding how your income is viewed can significantly influence your borrowing position and the options available to you.

Contact us to review your situation properly.

📞03 9087 5238
📞0424 235 210
✉︎ [email protected]
✉︎ [email protected]
🌐https://eastendfinance.com.au/
📍 1/51 High Street, Glen Iris VIC 3146

05/04/2026

Having a deposit is important but lenders also review:

• Spending patterns
• Employment stability
• Credit conduct
• Supporting documentation

A strong application is built before submission, not during assessment.

If you’re preparing to buy, let’s make sure you’re fully loan-ready.

📞03 9087 5238
📞0424 235 210
✉︎ [email protected]
✉︎ [email protected]
🌐https://eastendfinance.com.au/
📍 1/51 High Street, Glen Iris VIC 3146

03/04/2026

02/04/2026

Happy Easter. The only thing we are chasing today is chocolate, everything else can wait.

31/03/2026

Many growing business owners assume they need several years of financials before approaching a lender. While policy can be stricter, strong revenue trends and structured documentation can still create pathways forward.

Understanding which lenders align with your position makes a significant difference. It’s not about rushing applications, it’s about knowing what’s realistic and preparing accordingly.

If your business is growing, let’s review what may be possible now.

📞03 9087 5238
📞0424 235 210
✉︎ [email protected]
✉︎ [email protected]
🌐https://eastendfinance.com.au/
📍 1/51 High Street, Glen Iris VIC 3146