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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

LOAN TO PURCHASE LAND

Have you found that dream block in which you can see yourself building that dream home and raising a family.  You’re not alone, many Australian’s go down the same path.  There are many benefits in buying land and building including reduced Stamp Duty. Applying for a loan to purchase land is the same as a normal home loan.   However, there are some differences which circulate around the... more

WHEN BANKS DON’T ALWAYS CO-OPERATE

You have been banking with the same bank or had a loan with the same lender for many years.  You believe you have been a great client and paid on time.  Therefore when it comes time to obtain a new loan, you would hope that your loyalty and good history would account for something and make the process of obtaining a new loan easy.  RIGHT? The unfortunate truth is that this is not the case. ... more

BUSINESS LOAN FOR A PACK AND SEND FRANCHISE

Owning your own business is a dream for many of our clients. For one of our clients obtaining a Business Loan to purchase a Pack and Send Franchise was that dream, and we were only too happy to help them realise that dream. Assisting clients with finance to purchase a business or franchise is our specialty at HBF Finance.  Sometimes we get involved after an initial application has been knocked... more

HOW CAN I LOWER MORTGAGE REPAYMENTS?

There are a number of ways to lower your mortgage repayments, but some of these ways may not be suitable. It’s important to identify why you want to reduce your monthly repayments and determine whether the right strategy is suitable for you. We are pretty sure everyone would like to be able to lower their monthly mortgage repayments, and more often than not, it’s not because they are... more

LOAN TO PURCHASE FARM LAND

A Loan to Purchase Farm Land is not as straight forward as a loan to purchase normal residential land.  With varying policies from different lenders it can be a mine field to match the right lender with your circumstances. A long term client of ours saw an opportunity to return to his roots and invest in some farm land in rural Victoria with a close friend of his.  The client had done well to... more

TURN YOUR HOUSE INTO CASH

If you have a valid reason or purpose, you can Turn Your House into Cash, it’s easy.  Accessing the equity in your home and turning it into cash can be used for a variety of purposes including but not limited to, renovations, buying a new car, holidays and much much more.  As a result rates are most likely to be far cheaper than a personal loan, car loan or credit card.  Also, because the... more

COMMERCIAL PROPERTY FINANCE

Looking to invest in commercial property?  Commercial Property Finance doesn’t always mean that you will pay high interest rates.  Therefor a commercial property just maybe more affordable than you think. We recently helped a client who had inherited a property from her late mother, which was passed down to her and her sister.  The sister agreed to sell her share to our client and we... more

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