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Depreciation is a non-cash deduction that reduces your taxable rental income without costing you anything in the year you claim it. It splits into capital works, generally deductible at 2.5% a year...
"Data dependent" means the RBA is not pre-committing to a path and will decide meeting by meeting on incoming data. "Higher for longer" signals that rates are expected to stay restrictive for an ex...
The instant asset write-off lets an eligible business deduct the cost of an eligible asset in the year it is first used or installed ready for use, rather than depreciating it over years. Financing...
Investment loans are priced above owner-occupier loans because they attract higher capital requirements, have historically shown higher loss rates in downturns, and were the subject of regulatory i...
Digital-only lenders are fast because they automate income verification, valuation and decisioning, and their credit policy is written to be automatable. That works beautifully for a salaried borro...
BBSW - the Bank Bill Swap Rate - is the benchmark short-term rate used to price a large share of Australian business, commercial and institutional lending. A commercial facility is typically quoted...
Volume matters when your conversion rate is stable and your capacity is not full. Quality matters when your time is the binding constraint - which for most individual brokers it is. The deciding te...
Trail books are typically valued as a multiple of annual trail income, with the multiple set by how durable that income looks. Run-off rate, book age, loan-type mix, client concentration and the qu...
Rentvesting works financially when the combined cost of the rent you pay plus the after-tax holding cost of the investment property is less than what you would pay to own where you live - or when t...
A 4.35% cash rate is high relative to the 2010s and low relative to the 1990s. The decade of near-zero rates from 2011 to 2021 was the historical outlier, not the norm - which matters because a gen...
A business overdraft funds the gap between paying suppliers and being paid by customers. Size it to your cash conversion cycle rather than to a round number, and treat it as a facility that should...
Portability, sometimes called security substitution, lets you keep your existing loan and swap the property securing it. It avoids a full refinance - no new application, no discharge and re-establi...
