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21.01.2022 Competition set to heat up for the ASX favourite Afterpay (ASX:APT)! Financien keeps a close eye on what banks and lenders are doing (sort of our job, really). The release of NAB's latest StraightUp Card is a game changer. It's a no interest, no other charge, monthly fee card - in my opinion, an excellent countermove by a bank to the buy-now-pay-later scheme which has contributed to a significant decline to the nation's credit card usage (particularly in younger generations).... This is not an advertisement either for NAB, purely our own opinion on a new product to enter the finance sector Link: https://7news.com.au//nab-launches-australias-first-ever-i

20.01.2022 I have always been fascinated by effects of compound interest, my parents helped me understand it from a very young age and was always thankful for the benefits of knowing it. I’ll see if I can try and share this knowledge below: Look at compound interest in your savings. As your savings grow, so does your interest earned (or for businesses, this may mean your returns/profit)! Example:... If you earn 10% in Year 1 on $10,000 = $1,000 interest (or profit, or returns all interchangeable) Then you earn 10% in Year 2 on $11,000 = $1,100 interest Then you earn 10% in Year 3 on $12,100 = $1,210 interest And so on As you can see, your profit is increasing exponentially, or in other words, it is compounding! BAD NEWS: this can also go the other way with your interest expense on your loans!! That’s why Financien will always try to ensure we match you to the best product so that compound growth doesn’t make you pay for it in the long run! Talk to us today if you want to find a better loan

19.01.2022 The Government's Coronavirus SME Guarantee Loan Scheme Phase 2 is having a great impact in the flow of credit for Australian businesses. The SME scheme has been put to full use by some lenders such as CBA who have reduced their Asset Finance lending with pricing starting from 2.69% p.a. (with a further 0.50% discount for qualifying energy efficient cars and equipment). Some excellent support for businesses, so if you're looking to grow you're welcome to get in touch to see ho...w Financien can help! For further information on the scheme: https://treasury.gov.au/c/sme-guarantee-scheme/smes-phase-2

16.01.2022 From finding time for a test drive to negotiating with salespeople, buying a car can be a long and stressful experience - all while juggling work and home responsibilities. What you may not realise is that I have access to a car buying service to find, negotiate and buy the car you’re looking for Features and Benefits include:... - A team of car buying specialists who negotiate hundreds of car deals a month regularly saving thousands of dollars off the recommended retail drive-away price - Finance available on competitive terms - Access to a wide range of makes and models - We can arrange a test drive at your home/office in most metropolitan areas - Save yourself the hassle and let our team handle your trade-in for you as a part of your new car deal; and - Delivered to your door! So if you’d like to kick back and let me take care of the hard work for you, please contact me today to find out more.

15.01.2022 Have an ABN and keen for $1,000 cashback? Macquarie Bank have just launched a new offer: eligible clients who settle a new Macquarie commercial/asset finance loan between 19 August 2020 and 31 October 2020 will receive $1,000 cashback to their account (certain criteria applies). Message or get in contact with us today to see if we can get you some new equipment and a little cashback bonus with it!

13.01.2022 Give your business the chance to grow this spring with a no-fuss solution to financing your next equipment purchase. Whatever your equipment needs - from computers to cars to earthmoving equipment - Financien has the experience required to get your equipment on the job fast. We can help you finance a number of asset categories, including:... software & computers copiers, printers & fax machines; and industrial and medical equipment With access to an extensive panel of lenders, we ensure that our clients gain access to flexible solutions suited to their unique requirements and help to ensure your needs are met with a minimum of downtime. Contact me today to set an appointment with an experienced Finance Manager!

13.01.2022 Cars should you get a new one? Should you upgrade? Is it worth the expense? There may be many reasons why you SHOULD get a new car, and maybe many for why you SHOULDN’T! Too long to write in a post, will lose your interest but every person’s situation is different. Disclosing, Financien has some bias for purchasing cars I personally love them so I might encourage you getting one Best to ask your accountant if it’s the right decision beforehand Regardless, if you have ...come to the decision to purchase one then here are some tips on how we can help out in lowering the expense: Use a car broker service! Whether you’re buying or leasing, Financien uses a partner car broker who will send your exact order out to a bunch of different dealers around the country to find the cheapest price for your exact car and specifications. This can save you potentially thousands in how much you pay for the car outright If you’re using debt to purchase, then we shop around for that too. Once we have the cheapest order obtained for your car, Financien then finds the best loan to suit your needs. Finding the best loan will also save you over the life of the loan, we ensure you won’t get stuck paying ridiculous interest rates or fees

11.01.2022 ATTN small business owners! Be sure to take a look at our latest blog post, "Small business finance without the bank"

07.01.2022 The broker market share in residential lending is about 60% of all loans, as compared to the 5% in the commercial space - why is that? For one reason, business owners are usually time poor! That in itself means they have greater need of the use of a commercial broker for their business finance than clients looking to secure a home loan. "Most small business owners are usually too busy to spend time shopping around for a better business loan. If a borrower is directly tied to... a single bank, they're on their own when it comes to securing a better deal." This doesn't have to be the case, businesses do not need to be tied to one bank, and whilst Financien strongly admires loyalty, it should not come with a loyalty-tax! Commercial brokers such as Financien are not employees of banks, so as you have increasing business needs we can always make sure that you have the best solution for that need - no matter which bank! Link: https://www.brokernews.com.au//brokers-urged-to-grow-comme

07.01.2022 2.79% for Asset Finance interest rates! That's the latest offer from CBA, and they can take a further 0.50% off for qualifying energy efficient cars and equipment... If you're looking at putting solar on your house or business, this could be a fantastic opportunity!