Lend Now Berwick

Lend Now Berwick Specialising in direct and easy finance/re-finance for residential, commercial and asset funding.

18/05/2026

A pre-approval gives you a clear picture of how much a lender is willing to lend you before you start making offers on properties. It's not a guaranteed yes, but it puts you in a much stronger position when you find the right place.

Most pre-approvals last between 90 and 120 days, and during that time, it's important to avoid making big financial changes like switching jobs, taking on new debt, or making large purchases, as these can affect your final approval. I guide my clients through the full pre-approval process and make sure nothing gets in the way between that initial approval and settlement.

If you're thinking about buying soon and want to know where you stand, give us a call, send an email, or come in - and let's get the process started.

📞 0430 209 302
📩 [email protected]
📍Berwick VIC 3806

17/05/2026

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.

📞 ‪ 0430 209 302
📩 [email protected]
📍Bewick VIC 3806

14/05/2026

Your self-managed super fund can borrow to buy an investment property through a structure called a Limited Recourse Borrowing Arrangement.

The property is held in a separate bare trust until the loan is fully repaid, and if the fund ever defaults, the lender can only claim against that property, not the rest of your super. It's a powerful strategy, but it comes with specific legal and compliance requirements, and not every lender offers SMSF loans. Getting the structure right from day one is essential.

If you're thinking about using your super to invest in property, we can walk you through the entire process.

Reach out to us today.

📞 ‪0430 209 302
📩 [email protected]
📍Berwick VIC 3806

13/05/2026

Most banks want to see two years of self-employment before they'll consider your application.

But that's not always a hard barrier. Some lenders will look at applications from borrowers with as little as 12 months of trading history, particularly if you came from a similar role in the same industry and your income has been consistent from the start. Knowing which lenders have flexibility and how to present your situation correctly is what makes the difference.

Don't assume the answer is no before talking to us first.

📞 0430 209 302
📩 [email protected]
📍Berwick VIC 3806

12/05/2026

The way lenders assess a single owner-operator is quite different from how they look at a business running multiple vehicles.

As an owner-operator, lenders look closely at your personal income, your ABN history, and how dependent the business is on that one asset. For fleet operators, the focus shifts more toward business revenue, contracts in place, and the overall financial health of the operation. I work with both, and the key is knowing which lenders are most comfortable with your specific setup so your application goes to the right place the first time.

Whether you're financing your first truck or adding to an existing fleet, feel free to call, email, or visit me, and let’s find the right fit for you.

📞 0430 209 302
📩 [email protected]
📍Berwick VIC 3806

Address

Berwick
Melbourne, VIC
3806

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

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