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A few months back, we wrote about the changing landscape for investors seeking finance. To summarise, the Australian Prudential Regulation Authority (APRA), feel that the property market in parts of Australia is too hot and is trying to put the…

Firstly, your credit report is what all banks use as one of their tools to determine if they will lend to you. Up until 2014, Australia had a “negative credit reporting” system which meant the credit report mainly looked at…

The key level for the majority of banks is 80% LVR (Loan to Value Ratio).  If you borrow 80% of the purchase price, it means you have to come up with 20% of your own funds plus costs (such as…

Did you know you can use your superannuation to invest in property? This is a very complex area of borrowing but one that Trusted Finance Solutions specializes in.  With all transactions of this nature, it is vital that you take…

Consolidating can save thousands and improve cash flow.  Did you know you can refinance business debts are residential rates? Example – John is a small business owner and set up a $300,000 overdraft (currently fully drawn), secured by his house,…

Do you desire to clear your home loan as quickly as possible?  If so, the following are ways to pay off your home loan faster. Focus on the owner occupied debt first, ignore investment debt until a later date Weekly…

As many of you know, we are at a very interesting place in the property market.  Property values have risen strongly in many parts of Australia in recent years, especially in the capital cities and mostly in Sydney and Melbourne. …

What do the lenders look for to determine if they are comfortable to lend to a borrower? The team at Trusted Finance Solutions have a credit background with direct banking experience and we feel that this sets us apart from…