GQ Finance

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Finance Sorted for Tradies, Businesses and Outside-The-Boxers.

ABN 19 827 707 218
Credit Representitive Number 523333

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Refinancing a home loan can lead to lower interest rates, reduced monthly payments, or even access to cash for renovatio...
14/05/2025

Refinancing a home loan can lead to lower interest rates, reduced monthly payments, or even access to cash for renovations. But what if you have a less-than-ideal credit score? Is it still possible to refinance your mortgage? The short answer is yes. While it may be more challenging, bad credit home loans and refinancing options do exist for Australians. With the right approach, you can still secure a better deal, even if your credit report isn’t perfect....

Refinancing a home loan can lead to lower interest rates, reduced monthly payments, or even access to cash for renovations. But what if you have a less-than-ideal credit score? Is it still possible to refinance your mortgage? The short answer is yes. While it may be more challenging, bad credit home...

RBA UPDATE | Effective November 6, 2024 The Reserve Bank of Australia (RBA) has decided to hold the official cash rate a...
16/01/2025

RBA UPDATE | Effective November 6, 2024 The Reserve Bank of Australia (RBA) has decided to hold the official cash rate at 4.35% once again, marking a year since it’s last change. In the RBA’s most recent forecast, taken as of 30 October, the central bank anticipates that the “ rate will only see its first reduction by the middle of next year,” as reported in The Guardian....

    RBA UPDATE | Effective November 6, 2024   The Reserve Bank of Australia (RBA) has decided to hold the official cash rate at 4.35% once again, marking a year since it’s last change.   In the RBA’s most recent forecast, taken as of 30 October, the central bank anticipates that the “[offi...

When financing equipment for your business, it’s important to take steps to avoid overpaying. Here are five things to co...
16/01/2025

When financing equipment for your business, it’s important to take steps to avoid overpaying. Here are five things to consider: Shop around for competitive rates Compare rates from multiple lenders to secure the right option for your business, on interest rates and terms. Understand all fees Be aware of hidden fees like application charges or early repayment penalties, which can add up over time....

    When financing equipment for your business, it’s important to take steps to avoid overpaying. Here are five things to consider:   Shop around for competitive rates Compare rates from multiple lenders to secure the right option for your business, on interest rates and terms.   Understand al...

Credit scores play a critical role in determining your ability to secure financing for assets like vehicles, equipment o...
16/01/2025

Credit scores play a critical role in determining your ability to secure financing for assets like vehicles, equipment or machinery. Lenders use credit scores to assess the risk of lending to a borrower. A higher credit score can open the door to more favourable financing terms, including lower interest rates and more flexible repayment options. Here’s why your credit score matters in asset financing:...

    Credit scores play a critical role in determining your ability to secure financing for assets like vehicles, equipment or machinery. Lenders use credit scores to assess the risk of lending to a borrower.   A higher credit score can open the door to more favourable financing terms, including l...

Australia's student accommodation market is expected to stay resilient despite the Federal Government’s plan to limit in...
16/01/2025

Australia's student accommodation market is expected to stay resilient despite the Federal Government’s plan to limit international student enrolments to 270,000 next year. Ray White stated that the cap is unlikely to have a major effect on the sector, which continues to thrive, largely due to international investment and development. Although the proposed cap is a slight decrease from 2024 figures, it’s still above pre-pandemic levels....

    Australia’s student accommodation market is expected to stay resilient despite the Federal Government’s plan to limit international student enrolments to 270,000 next year.   Ray White stated that the cap is unlikely to have a major effect on the sector, which continues to thrive, largely...

The commercial real estate market in Australia is showing early signs of recovery, with investors optimistic about poten...
16/01/2025

The commercial real estate market in Australia is showing early signs of recovery, with investors optimistic about potential global interest rate cuts, according to Cushman & Wakefield. The firm’s CRE Glidepath study revealed that investment activity is already gaining momentum, with Q2 2024 transactions reaching $10.1 billion, more than double the Q1 total of $4.9 billion. While the Commercial Property Price Index (CPPI) is expected to drop by 8% from its peak before stabilising in early 2025, investor confidence is growing....

    The commercial real estate market in Australia is showing early signs of recovery, with investors optimistic about potential global interest rate cuts, according to Cushman & Wakefield.   The firm’s CRE Glidepath study revealed that investment activity is already gaining momentum, with Q2 2...

Refinancing your boat loan can be a smart move, but it’s important to weigh both the advantages and disadvantages before...
16/01/2025

Refinancing your boat loan can be a smart move, but it’s important to weigh both the advantages and disadvantages before making a decision. Advantages: Opportunity to find a different lender if you're unhappy with the current one. Lower monthly repayments through a lower interest rate or longer loan term. Improved cash flow and potential for more savings. Option to add or remove a cosigner....

    Refinancing your boat loan can be a smart move, but it’s important to weigh both the advantages and disadvantages before making a decision.   Advantages: Opportunity to find a different lender if you’re unhappy with the current one. Lower monthly repayments through a lower interest rate o...

Australia’s rental market boom appears to be nearing its end, with CoreLogic’s national rental index flatlining over the...
16/01/2025

Australia’s rental market boom appears to be nearing its end, with CoreLogic’s national rental index flatlining over the past two months after a steep 39% rise between August 2020 and June 2024. CoreLogic notes that this slowdown reflects the weakest rental conditions since the early stages of the pandemic. While annual rental growth reached 9.7% in late 2021, the pace has since slowed to 7.2%, with unit rents particularly affected....

    Australia’s rental market boom appears to be nearing its end, with CoreLogic’s national rental index flatlining over the past two months after a steep 39% rise between August 2020 and June 2024.   CoreLogic notes that this slowdown reflects the weakest rental conditions since the early st...

Auction markets have been a little slower this year, but Brisbane and Perth continue to hold strong. According to Ray Wh...
16/01/2025

Auction markets have been a little slower this year, but Brisbane and Perth continue to hold strong. According to Ray White, while the national auction clearance rate has dropped from 71.4% last year to 66.2% this year, Perth and Brisbane have shown resilience. Brisbane saw a 51% increase in auction numbers and now boasts the highest average active bidding numbers in the country....

    Auction markets have been a little slower this year, but Brisbane and Perth continue to hold strong.   According to Ray White, while the national auction clearance rate has dropped from 71.4% last year to 66.2% this year, Perth and Brisbane have shown resilience.   Brisbane saw a 51% increas...

Sellers have been out early this year, with new listings seeing a 6.6% jump as Spring selling gets underway. According t...
16/01/2025

Sellers have been out early this year, with new listings seeing a 6.6% jump as Spring selling gets underway. According to PropTrack, capital cities are seeing the most activity as Sydney, Melbourne and Canberra recorded the greatest number of new listings for August in over a decade. Overall, capital city listings were 1.6% higher year-on-year, the highest since 2012. The market has enjoyed consistent momentum, with Sydney seeing its 14th consecutive month of annual listing growth, while Melbourne and Brisbane followed closely behind....

    Sellers have been out early this year, with new listings seeing a 6.6% jump as Spring selling gets underway.   According to PropTrack, capital cities are seeing the most activity as Sydney, Melbourne and Canberra recorded the greatest number of new listings for August in over a decade. Overal...

Late payments are an ongoing issue for businesses of all sizes, but especially for small and medium enterprises (SMEs). ...
16/01/2025

Late payments are an ongoing issue for businesses of all sizes, but especially for small and medium enterprises (SMEs). In many cases, businesses extend credit terms to clients, allowing them a grace period to settle invoices. However, when these payments are delayed, it can create a ripple effect that goes far beyond the mere inconvenience of waiting. The hidden costs of late payments can be both financial and operational, impacting everything from cash flow to supplier relationships....

    Late payments are an ongoing issue for businesses of all sizes, but especially for small and medium enterprises (SMEs).   In many cases, businesses extend credit terms to clients, allowing them a grace period to settle invoices. However, when these payments are delayed, it can create a ripple...

Small business loans are often misunderstood. These misconceptions can prevent owners from taking advantage of valuable ...
16/01/2025

Small business loans are often misunderstood. These misconceptions can prevent owners from taking advantage of valuable opportunities to grow their businesses. Here are six common myths that might be slowing you down: Banks are the only option Many people believe banks are the sole source for business loans. However, there is a thriving market of non-bank lenders. Alternative lenders can offer more flexible terms, while online lenders can provide faster application processes....

    Small business loans are often misunderstood. These misconceptions can prevent owners from taking advantage of valuable opportunities to grow their businesses.   Here are six common myths that might be slowing you down:   Banks are the only option Many people believe banks are the sole sourc...

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