BleuHaven Finance

05/11/2026

01/11/2026

"We had a really good banker a while back. Then they left."

Most business owners have an accountant they trust for their tax. Nearly 4 in 10 self-employed Australians used one last year.

But for lending, only 1 in 10 used a mortgage broker. Most just go to the bank, often because they're not sure who else to ask.

Would you keep your accountant if they changed every 12 months?

Your lending deserves the same relationship as your tax. One person on your file, who already knows your business and works alongside your accountant.

If you're not sure who looks after you anymore, it might be worth a conversation.

28/10/2026

As a business banker at one of the majors, this was the call that won clients over almost every time.

We’d order a quick valuation. If the property had gone up and the loan had come down, the LVR dropped, and we could usually get something shaved off the rate. The client didn’t have to lift a finger.

If no one’s made that call to you, you can make it yourself. Ask for two things:
1️⃣ A revaluation (if your value’s up or your loan’s well down)
2️⃣ A rate review: “Based on my LVR now, what’s the best rate you can give me?”

Even 0.10% off $800k is about $800 a year.

Home securing a business loan or overdraft? It can flow on to those too.

Save this for your next call to the bank.

Example only. General information, not advice. BleuHaven Finance Pty Ltd, Authorised Credit Representative 576026 of BLSSA Pty Ltd, ACL 391237.

13/10/2026

I spent years as a business banker at a major. None of the big four write new SMSF loans anymore, so the ones still on their books rarely get repriced. Plenty of trustees are sitting at 9% or more without realising there’s a choice.

A real example (de-identified): $375k, 15 years left, 9.05%. At 7.85%, that’s ~$4,500 less interest this year. About $4k to move. Back in about a year, ~$47k less interest over the term.

Small differences, every loan, over a long time. Accountants — worth a look at any SMSF clients with legacy loans.

General information only, not advice.

08/10/2026

Let’s talk 📧[email protected]

07/10/2026

Refinancing because rates went up? Here's the one question to ask your new lender: what's the total interest over the life of the loan?

Need some other numbs looked at? Let me know below 👇

General information only, not personal advice.

01/10/2026

The $500k most business owners don’t realise they’re sitting on.

28/09/2026

Renting your warehouse and the owner says you can buy it for $800K. What now? 🏭

1️⃣ Cash flow first

Rent on an $800K property: ~$4,000–$4,500/month

Loan repayments on $800K (30 yrs, 6.5%): ~$5,056/month

The gap: roughly $6,600–$12,500 a year.

If your business can absorb that — great first step.

2️⃣ The deposit is the real hurdle

Major lenders like 70% lending for commercial purchases (some go to 80%, non-majors higher at a higher rate).

On $800K that's $160K–$240K in cash — plus purchase costs.

Most businesses don't have that sitting around, and if they do, they need it for wages, stock and the next job.

3️⃣ The answer might be at home

Family home worth ~$1M, $500K owing.

Lenders can go to 80% = $800K → $300K in usable equity.

That can cover the deposit without touching your working capital.

Using your home as security has risks too, so it's worth talking through the full structure before you commit.

Thinking of buying your premises? Book a chat via the link in bio 👆

General information only, not credit advice. Figures are illustrative.

17/09/2026

Meet Beau.

Born and bred on the Mornington Peninsula, I've spent a lot of my life travelling, particularly in France but I've never lost my love for the Peninsula and the community I've grown up around.

I'm a husband and dad of two, both of whom are completely sports obsessed. I'm a Collingwood supporter (don't judge) and borderline obsessed with Liverpool FC.

Professionally, I've worked with business owners for my entire career. I've sat on the other side of the desk and seen first hand how frustrating the banking relationship can become.

Business owners can be incredibly loyal to their bank. They build relationships, stick with them for years and trust that someone is looking after their business. But then the business banker moves on.

A new relationship manager calls and introduces themselves. You spend time explaining the business, the structure, what's changed and where you're heading. You finally get them up to speed and then, a year later, they're gone too.

I've seen it happen over and over again. That's a big part of why I built BleuHaven. We're here to stay.

To be in your corner, regardless of who you bank with. To make sure you're getting the right support from your lender, challenge things when they don't make sense, and help you plan for what's next.

But it's not just about the good times or the next big project. When cash flow gets tight, when things don't go according to plan, when a new contract changes the business, when you need to buy equipment, restructure debt, or simply don't know what your options are, that's when having someone who understands your business really matters.

And sometimes, it's much simpler than that. Sometimes you just need someone to have a chat with.
Sometimes you need help with something small, and you've sent three emails to the bank without getting a response.

That's what I want BleuHaven to be.
Someone in your corner, who knows your business, understands where you're heading, and is there when you need them.

01/09/2026

It’s a question we get from time to time.
The short answer is that, for most standard loans, the lender pays us, not you.

So, with the cost of living and running a business putting pressure on cash flow, why not take a step back and look at the bigger picture?

Your home loan.
Your car.
Personal loans.
Credit cards.
Business debt.
Maybe even an ATO bill sitting in the background.

How are they all working together?

Sometimes a change in structure can free up cash flow, not to spend more, but to attack the debt you’re already paying off, faster.

And if we can’t put you in a better position? We don’t move you.

If you’re feeling the pressure of a few different commitments, it might be worth taking a step back and looking at everything together.

Let’s make a time to chat: [email protected]