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NPN Finance

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25.01.2022 The good news is that applying for commercial finance through a bank is far from the only option. Private funding Private funding is when individuals lend through a trust account. ... While it can be a little more costly than the average business loan, it carries the advantage of flexibility. If it’s a ridiculously difficult deal to put together, with no banks wanting to touch it due to not having the appropriate documentation or being outside LVRs, then private funding would be an option. If you are thinking about private funding, give me a call

21.01.2022 The holidays have squeezed your finances? need a holiday to get over the school holidays? There are some great offers on at the moment for personal loans. Interest free for 3 months sound good to you? call me or message me to discuss

20.01.2022 GIVE YOUR HOME LOAN THE CHOP!! There are many simple things you can do to cut years off your mortgage. Here are some tips that will help you be mortgage-free sooner than planned. - Small extra repayments... One of the most obvious ways to pay off your home loan quicker is to make extra repayments, big or small Let’s say we give an extra $50 a fortnight on a $500,000 loan, that saves you $32,000 of interest over the life of the loan which in turn will save you just over two years, - Switch your payment intervals Simply switching your payment structure can also help save years off your mortgage, as well as simplifying your finances if you are paid fortnightly. Because there are 12 months in a year but 13 four-week cycles, by switching your payment intervals from monthly to fortnightly, you are essentially paying off an extra month per year - Make sure you have the right type of loan Ensuring your loan allows extra repayments without penalty while an offset account will use your savings or living expenses to reduce your principle, while still allowing you to access these funds from a transaction account. Paying off your home loan faster isn’t difficult, however it does require financial discipline and expertise in ensuring the right loan features are in place.

07.01.2022 Happy Australia Day!! Enjoy the day and take some time out

06.01.2022 Small business finance without the headache While SMEs account for 97 per cent of Australian businesses, it can still be difficult to make a case to a bank when looking for finance to start a new business or invest in the growth of an existing one. The good news is that applying for commercial finance through a bank is far from the only option. Some options to consider;... 1. Personal loans 2. Private Funding 3. Raise the money 4. Get me involved Contact me to get started

01.01.2022 The good news is that applying for commercial finance through a bank is far from the only option. Personal loans A relatively young enterprise that doesn’t have a track record of success may not be looked upon favourably by banks, which make decisions based on risk. ... A lack of documented history eg financials, doesn’t help a business loan application, so for those who still want to go through the bank they use for transaction accounts, a personal loan could be the way to go. The downside may be slightly higher interest rates and lower loan amounts, but a personal loan can provide a good buffer for start-ups and is relatively easy to apply for. If someone told me that they’re going to run off and start a new business, I’d suggest, while still working in PAYG, to secure a personal loan before doing so. Banks like to see at least two years worth of company tax returns, which could prove problematic for new businesses.

01.01.2022 Why are house prices going crazy?? Post Covid Euphoria as I like to refer to it, expats returning home seeking to buy back in their cities, shifting demand from units to houses, low stock / supply maybe?? and the usual low interest rates, people have saved during the lockdowns and are ready to invest (no overseas holidays for a while yet)... The market is factoring in alot of optimism for the years ahead and this is evident in the level of activity across many industries with a dominos effect being experienced from housing. Time will tell how sustainable current level of activity is... In the meantime, if you need help with refinancing, want to know if you are on a good deal with your bank or are looking to purchase, let us know