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USING GIFTED FUNDS AS A DEPOSIT

With the state of the property market in Australia, using funds that have been contributed to property buyers as a gift from friends or family is very common.  There are many obvious benefits of having gifted funds, however there are some things to consider before accepting these gifted funds. If receiving gifted funds from friends or family you may need a letter or statutory declaration... more

WHAT’S THE ANSWER IF YOUR MORTGAGE REPAYMENT FALLS SHORT?

WHAT’S THE ANSWER IF YOUR MORTGAGE REPAYMENT FALLS SHORT?
Whether you’re affected by fluctuating interest rates or or by a change in your personal circumstances, the pressure of maintaining regular mortgage loan repayments can be overwhelming at times. Here is some information to help you understand the available alternatives. What to do before it gets worse If you’re about to miss a mortgage payment or already have, rest assured there is help... more

Deposit vs Contribution

Deposit vs Contribution
One of the most common misunderstandings we get with many borrowers (not just first time buyers) is the difference between deposit required to purchase a property and/or a deposit or contribution required to obtain a loan to purchase property.  These are in fact two separate issues. Deposit to Secure Property This is an amount you would be required to pay in order to secure the property you are... more

Franchise Refurbishment Finance

Is your Franchise Refurbishment due? Working hard in your franchise makes it only too easy for your refurbishment to creep up on you. As a result your funds are tied up and you don't have access to equity that you wish to use to fund the re-refurbishment. We may have the solution for you. 100% of refurbishment cost covered No lease payments for six months - Yes profit from your... more

Take Advantage of the Interest Rate Cut – A potential business owner perspective

Take Advantage of the Interest Rate Cut – A potential business owner perspective
Our top 3 ways you can take advantage of record low interest rates.  Our unique perspective for those looking to start or purchase a business and how they can take advantage of the interest rate cut. 1.  Pay down non-deductible debt Whilst the idea of reducing rates is to encourage consumers to spend more, I'd suggest you think about putting the savings back into your non-deducible debt such as... more

How a home loan health check can broaden your property horizons

A simple home loan health check led two police officers to refinance for a saving of $7600 a year in interest. When police officers Ben Dixon and Sara Peters were looking for a home loan, they thought the choice was obvious. They secured finance through the same community-owned bank most of their colleagues used, bought a house and were happily paying it off. A few years on, and knowing that... more

ANZ Lending Pledge

ANZ Lending Pledge
Want a piece of the ANZ Lending Pledge of 2 billion dollars for small businesses?  With our assistance we can help put your best foot forward. At HBF Finance we believe this is a great initiative from ANZ to help kick start small businesses, an area that has struggled for funding in recent years. We also know that setting up and running your small business is time consuming and thus we can help... more

Off the Plan Investment Properties

Off the Plan Investment Properties
Have you thought about Investing in Property?  What about Off the Plan Investment Properties? Not sure how to go about it? The purchase of Off the Plan Investment Properties maybe easier and less strain on your weekly cash flow than you think.  At HBF Finance we have partnered with UNIQ Property, a group who have specialised in off the plan investments for 10 years. UNIQ Property gives HBF... more

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