Commercial, Residential 10 Apr 2025 Why We Don’t Recommend Cross-Collateralisation – And What to Do Instead At Blambles Finance Group, we always look for ways to structure finance that give you more flexibility, control, and long-term strategic benefits. One structure we regularly advise against is cross-collateralisation,… Campbell Gordon
Commercial 28 Mar 2025 Benefits of Buying Property in a Family Trust With a Corporate Trustee When looking to purchase commercial property in particular, we recommend talking to your accountant regarding the best purchasing structure. There are a number of benefits of owning property in a… Campbell Gordon
Residential 17 Dec 2024 How Much Should I Borrow? How Much Should I Borrow? – A Guide for Property Buyers When purchasing a property, one of the biggest decisions you’ll face is determining how much to borrow. While some buyers aim to maximise their borrowing capacity, others might find themselves in a position where… Campbell Gordon
Residential 13 Dec 2024 Offset v Redraw Offset Account vs Redraw Feature: Which is Better for You? If you're a homeowner in Australia, you’ve likely come across the terms "offset account" and "redraw facility" while exploring ways to manage your mortgage. Both are powerful tools for reducing the interest you pay on… Campbell Gordon
Residential 29 Nov 2024 Benefits of an Offset Account Understanding the Costs and Benefits of an Offset Account An offset account is a popular financial tool for Australian homeowners. It’s a simple yet powerful way to reduce the amount of interest you pay on your home loan while keeping your savings accessible. But like… Campbell Gordon
Commercial 17 Nov 2022 Commercial property finance secrets exposed Commercial property finance secrets exposed When financing a commercial property purchase the mainstream mentality is, Interest rates are typically higher The maximum loan term is 15 years You can’t have an offset account on a commercial property loan The maximum LVR is limited to 65%… Campbell Gordon
Commercial 13 Oct 2022 How do Commercial lo doc loan applications work? A common challenge for business owners when seeking finance is the need to have current (latest) financials, with the current year, not more than 18 months old (generally). Having current financials certainly gives borrowers the widest selection of lender options available and therefore the… Campbell Gordon
Commercial 23 Aug 2022 What is a lease doc loan? A lease doc loan is a simplified loan application process some banks use to assess commercial investment property finance deals. It is not available for residential property loans. If a deal meets the lease doc policy, then this can substantially reduce the amount… Campbell Gordon
Residential 17 Aug 2020 Can my parents provide a family guarantee to avoid paying LMI What is a family guarantee? A family guarantee is typically a means by which parents can support their child in getting onto the property ladder by using the equity in their home to reduce the size of a cash deposit and / or avoid the… Campbell Gordon
Residential 11 Aug 2020 How to avoid paying Lenders Mortgage Insurance What is Lenders Mortgage Insurance ("LMI")? Lenders Mortgage Insurance or LMI is a one-off insurance premium payable when you take out a new loan. The LMI premium is added onto your home loan and payable over the loan term. Read on to find out how… Campbell Gordon
