Lavender Finance House

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Lavender Finance House Welcome to Lavender Finance House! Take of your shoes, come on in & stay for coffee & a chat about all things Asset, Commercial & Residential Finance.

Our family run business are experts who are passionate partners in our clients lives & financial success

Here's something that surprises a lot of people.When rates go up, everyone's rate goes up. But the sharp discounts lende...
14/10/2026

Here's something that surprises a lot of people.

When rates go up, everyone's rate goes up. But the sharp discounts lenders use to win new customers usually aren't offered to the people who've been with them for years.

So after four rises this year, the gap between what you're paying and what a new customer could get may have quietly grown.

Before anyone talks about switching, I always start with one question: when did you last ask your current lender for a better rate?

Sometimes a simple repricing gets you most of the way there, with no new application. Sometimes it doesn't, and moving is worth it once all the costs are counted.

It's usually worth a proper look if:

👉🏼 You haven't reviewed your loan in two years or more

👉🏼 Your property has grown in value, which can open up sharper pricing

👉🏼 You're honestly not sure what rate you're on right now

Feel free to get in touch and we can take the mental load off your plate and have a look on your behalf

💻 Equipment finance vs a business loan: which is which?Buying something for your business and not sure whether it's an e...
21/07/2026

💻 Equipment finance vs a business loan: which is which?

Buying something for your business and not sure whether it's an equipment finance or a business loan situation? Here's the full guide.

👉🏼 Buying a specific physical thing, a van, a piece of machinery, an oven? That's usually equipment finance. The item itself acts as the security, which often means sharper rates, a simpler approval process, and sometimes tax depreciation benefits.

👉🏼 Need flexible cash for stock, wages, or general growth, without a specific asset attached? That's more likely a business loan or a line of credit.

👉🏼 The simple rule of thumb: a physical asset means equipment finance, general cashflow needs mean a business loan.

Picking the wrong one can genuinely cost you more in interest and flexibility down the track. Reach out and we will point you to the right fit.

☎️ https://calendly.com/lavenderfinancehouse/lfh-catch-up

17/07/2026

This is one of the most common worries we hear, so let's clear it up properly. Short answer, often no.

A personal loan doesn't automatically lock you out of getting a home loan. What actually matters is the size of the repayment and how it fits alongside your income and other commitments. Lenders count that monthly repayment as part of your existing debts, so it does lower your borrowing power a little, but it rarely stops you outright unless the repayment is a big chunk of your income.

Sometimes it's worth paying the loan down or off first before you apply, especially if it's close to being finished anyway. Sometimes you're genuinely fine to go ahead right now, and waiting would just cost you time in a moving market. The only real way to know is to run your actual numbers rather than guess.

No judgement here, ever, on how you got here. Let's just have a look together and work out where you really stand. 💜

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If your business looks profitable on paper but your bank account tells a different story, you're not doing something wro...
14/07/2026

If your business looks profitable on paper but your bank account tells a different story, you're not doing something wrong. This trips up so many genuinely good businesses. Here's why.

👉🏼 Profit is what's left over on paper, revenue minus expenses, on your P&L.

👉🏼 Cashflow is what's actually sitting in your bank account right now, timing is everything here.

👉🏼 You can be profitable and still short on cash if customers pay late, if you're carrying too much stock, or if a tax bill lands at the wrong time.

👉🏼 The fix usually isn't working harder, it's invoicing faster, tightening your payment terms, and using the right kind of finance for that timing gap instead of draining your own savings or reaching for a high interest card.

There's finance built exactly for this, think a business line of credit or invoice finance. Happy to explain it simply. 💜

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No need for AI note takers in the office today. Mr Bear Lavender is on the tools for me today!
14/07/2026

No need for AI note takers in the office today. Mr Bear Lavender is on the tools for me today!

13/07/2026

Here's a quick one that trips a lot of people up, and it's such an easy fix once you know about it.

Lenders count your credit card limit, not your actual balance. So a $7,000 limit on a card you never touch, or only use for points and pay off in full, can still quietly lower how much you're able to borrow for a home. Some lenders count that limit at 3 to 4% a month as an assumed ongoing commitment, even though you've never carried a cent of debt on it.

The timing matters too. Closing it after you've already applied doesn't help you at all, the assessment has already happened. Closing it a few weeks before you apply genuinely does.

Save this for about two weeks out from whenever you're planning to apply, and have a quick look through your wallet for cards or Buy Now Pay Later accounts you're not using anymore.

07/07/2026

You're not silly for wondering. Here's the honest answer on Afterpay and finance applications. 💜

Fixed or variable, the question almost everyone asks and almost no one explains simply. Here's the full breakdown.👉🏼 Fix...
07/07/2026

Fixed or variable, the question almost everyone asks and almost no one explains simply. Here's the full breakdown.

👉🏼 Fixed means your interest rate and repayment amount are locked in for a set period, usually one to five years. Predictable, but usually less flexible if you want to make extra repayments or pay it out early, some lenders cap this or charge a break fee.

👉🏼 Variable means your rate can move up or down with the market. More flexible, extra repayments and offset accounts are usually available, but your repayment amount can change too.

👉🏼 There's no universal best. It comes down to what suits your life, your risk comfort, and your goals right now.

👉🏼 Plenty of people split the loan, part fixed, part variable, to get a bit of both.

Not sure which fits you? That's literally our job. 💜

Two people on the exact same salary can have very different borrowing power, and it trips so many people up. Here's the ...
05/07/2026

Two people on the exact same salary can have very different borrowing power, and it trips so many people up. Here's the full picture so you're not left guessing.

Borrowing power is how much a lender will actually let you borrow, and it's not a fixed number, it moves depending on your whole financial picture.

👉🏼 It goes up with steady, verifiable income, fewer existing debts, a bigger deposit, and lower day-to-day living expenses.

👉🏼 It goes down with credit card and Buy Now Pay Later limits (even ones sitting at zero), car loans and personal loans, HECS debt, and higher living costs like school fees or a long commute.

👉🏼 Lenders also apply their own buffer on top of any interest rate, to make sure you could still manage repayments if rates rise. This is part of why the number can shift between lenders too.

So your salary is only ever part of the story. Want your real number? It takes one quick, no pressure chat, and it won't touch your credit file. 💜

Getting your paperwork sorted before you apply for finance can honestly make the difference between a smooth process an...
02/07/2026

Getting your paperwork sorted before you apply for finance can honestly make the difference between a smooth process and a stressful one. Here's the full checklist so you've got it all in one place.

👉🏼Photo ID, your licence and medicare card. Your passport or birth certificate also come in handy.
👉🏼Income proof. Think recent payslips, and investment income or if you're self-employed, your last two years of financials and tax returns.
👉🏼Bank statements, usually the last three months, and yes, all of them. Brokers use this to verify living expenses and will sometimes need to submit these depending on bank and policy.
👉🏼Existing debts, the limits and balances on your cards, loans and Afterpay.
👉🏼Living expenses, a rough but honest monthly picture.

None of it needs to be perfect, nor do you need to wait for these before chatting to a broker! This is more of a heads up on what your broker will generally start with asking

Save this post so you've got it when you're ready to start. 💜

Address

Gold Coast, QLD

Opening Hours

Monday 8am - 5pm

Telephone

+61423489675

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