Ferns Finance Brokers

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Logan Reserve, QLD
Ferns Finance Brokers

At Ferns Finance Brokers, we’re here to help make finance easy for all individuals and businesses.

04/11/2026

Comment EQUIPMENT before you pay cash for new business equipment in Queensland.

Paying cash for new business equipment is one of the easiest expensive mistakes to avoid.

Paying cash for equipment can drain the reserves your business needs when something goes wrong.

For many businesses, equipment finance keeps cash free for wages, tax and the unexpected, while the equipment starts working.

The right answer depends on your business. That's why it's worth comparing both before you commit.

Don't empty the account before you ask.

Comment EQUIPMENT and we'll compare both for your business.

02/11/2026

Comment STRATEGY before you use your own savings to fund investment growth.

Plot twist: experienced investors often don't pay cash.

Not because they can't. Because cash is limited and opportunities aren't.

Used deliberately, borrowing can keep your cash free for the next opportunity, instead of tying it all up in one purchase. It still needs a plan, and the right structure for your situation.

That's the difference between using finance and just owing money.

Comment STRATEGY and we'll show you how it works.

30/10/2026

Save this if you're an investor watching the Queensland market right now.

Lending for investors doesn't sit still, even when your loan does.

1. Buffers get applied differently depending on the lender.

2. Valuations can lag behind where the market's actually moved.

3. Appetite for your exact scenario shifts more often than people expect.

4. If your fixed rate is coming up for expiry, timing this matters more than most investors realise.

What's changed since you last checked yours?

Save this for your next portfolio check-in.

29/10/2026

Send this to an investor in Queensland planning their next investment loan.

Lenders can change how they assess you without your loan changing a thing.

That's why your next borrowing decision can look very different from your last.

Lenders adjust how they assess investors. Serviceability, valuations and appetite for investor lending all move over time.

If you only find out when you apply, you've found out too late to plan around it.

Read the market before you make the call.

Send this to an investor planning their next purchase.

General information only, not personalised advice.

28/10/2026

Save this before you put growth on hold to save up first.

These are the calls I stand by, even when they cut against the instinct to just save first.

1. Waiting to save has its own cost. The business misses out on growth while the account balance slowly climbs.

2. The newest equipment on site is almost never paid for outright. Financing it is normal, not a red flag.

3. Growth funded purely from cash reserves tends to move slower than it needs to.

4. Never borrowing doesn't make a business better run. Sometimes it just means it's grown more slowly than it had to.

5. The right time to finance growth is before you're desperate for it, not after.

Agree or disagree?

Let me know in the comments!

27/10/2026

Comment FOLDER and I'll send you the asset finance checklist. Slow paperwork can cost you the job.

Your truck stops working and the contract starts in 10 days. Now what?

Most asset finance delays aren't the lender's fault. They're missing documents.

What decides whether truck or equipment finance comes through in time in Queensland? Two things you control.

Paperwork: recent BAS, a supplier quote and the signed contract.

Structure: a chattel mortgage, lease or hire purchase gets you the same truck, but each one treats your cash flow and tax differently. Check with your accountant first.

Sort both early and a 10-day deadline stops being a panic.

Comment FOLDER and I'll send you the full list of what to have ready.

26/10/2026

Save this if you think refinancing an investment loan means your portfolio's in trouble.

Be honest. Have you thought that?

Refinancing isn't a red flag. Often it's the opposite.

Investors who review their loans regularly are usually trying to stay ahead of rate and lender changes, not rescue a struggling portfolio.

In Queensland's current investor market, a loan that was right two years ago may not be right now. Checking is how you find out.

A review is a habit, not a warning sign.

Save this for your next portfolio review.

23/10/2026

Save this, it costs nothing and it genuinely helps.

Most of my business as a broker comes from people like you, not from advertising.

Sending this to someone investing, refinancing or growing a business in Queensland.

Tagging a friend who's been putting off a review.

Dropping a comment or a share.

None of it costs a cent, but it's exactly how word gets around about a broker worth using.

22/10/2026

Comment EXPIRY and I’ll check your loan before your fixed rate runs out. Most people leave it too late.

Check the date today. When does your fixed rate end?

Your loan doesn’t stop when the fixed term does. It reverts and keeps charging.

When should a Queensland borrower review a fixed rate? About 90 days before it ends.

Find the expiry date, then ask your lender what the loan reverts to and what their best retention offer is. Around 60 days out, check what your properties are worth, because stronger values can help your rate.

Wait until 30 days out and you’re probably already behind, because refinances take weeks to settle.

The date won’t move. Your window will.

Comment EXPIRY and I’ll show you where your loan sits against the market.

21/10/2026

Comment REFINANCE before you lock in an investment loan refinance and just wait.

Your old investment loan isn't something to set and forget.

Many investors lock in and hope.

Then rates, valuations or lender appetite move, and the deal looks different.

Before you refinance an investment property in Queensland, look at where the market is heading, not just where it is today. That one step changes what "the right move" looks like.

Informed beats lucky.

Comment REFINANCE and we'll tell you what to check first.

Address

Logan Reserve, QLD
4133

Website

http://www.fernsfinance.com.au/

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