Blog
Benefits of Using a Mortgage Broker for Commercial Loans
Key Takeaways Mortgage brokers offer access to a wide range of lenders and commercial loan products Help both business owners and commercial property investors secure tailored funding Negotiate better rates, terms, and structures to maximise returns Simplify the application process and improve approval odds Provide expert advice based on your financial goals—whether for growth or investment Offer long-term support post-settlement including refinancing and restructuring Stay informed on market trends, lender policies, and investment opportunities Introduction Navigating the commercial lending landscape can be complex. Whether you're a business owner expanding operations or a property investor building a commercial portfolio, finding the right loan structure is critical. With multiple…
Complete Guide to Commercial Loan
Key Takeaways Commercial loans provide funding for large-scale, long-term business and investment projectsCommon uses include purchasing commercial property, property investment, or business expansionSuitable for both owner-occupiers and commercial property investorsTypically secured by the financed asset (e.g., comemrcial property or equipment)Higher loan amounts, often exceeding $500,000, with longer repayment termsMortgage brokers like ARG Finance assist with lender access, loan structuring, and return optimisationMarket trends and government policy influence lending conditions Introduction Looking to scale your business operations or build a property investment portfolio? Commercial loans in Australia offer tailored finance solutions not just for businesses—but also for property investors seeking strong…
5 Tips for First-Time Buyers: Advice from an Experienced Mortgage Broker
Buying your first home is an exciting milestone, but it can be challenging. The process involves multiple steps, from understanding your finances to finding the right property and securing the ideal loan. Many first-time buyers in Australia face similar challenges, including saving for a deposit, understanding the competitive market, and navigating the loan approval process. This blog will help simplify your journey by introducing five essential tips for first-time buyers, backed by insights from industry experts and data from reliable sources. Understand Your Budget and Borrowing Capacity Before you start house hunting, it's essential to understand how much you can…
Proposal to Ease Responsible Australian Lending Restrictions
The federal government is planning on Easing Australia’s lending Restrictions to help the economy recover from the impact of COVID-19. Restrictions on loans and other forms of credit had previously been tightened after both the Banking Royal Commission in 2019 and the National Consumer Credit Protection Act was introduced in 2009. If the government’s proposal to ease restrictions is passed by parliament, it will be easier for both individuals and businesses to get loans or other forms of credit from most lenders in the Australian market. What changes are proposed? There are two major changes proposed 1) A relaxing of Australia’s responsible lending provisions. 2)…
7 Steps for Obtaining a Better Mortgage
Mortgages are the base of home ownership in Australia, especially if we are entering the real estate market. Whether it is a first home or an investment property, if we are able to understand common mortgage features and steps then it will help us compare the available options and control our future finances. Upon entering the mortgage process, there will be a number of forms and an assortment of paperwork which can confuse us. This can make the process of obtaining a good mortgage seem complicated because of the number of people and procedures involved. All this can appear overwhelming at times, and…
A Must-Have Checklist For Every Home Seller
There is every chance that you might make a lot of mistakes and mix-ups when you are in the process of putting your property on the market for sale. After all, it is complicated and involves numerous things that need to be taken care of to avoid common pitfalls. Furthermore, making a mistake with or misunderstanding legal obligations could have a significant impact on our finances and lifestyle. So, we have prepared a checklist for home sellers, which will help them take a breather in between all the hustle and bustle of home buyers and legal works. THE CHECKLIST #1 Choose the right…
Types Of Home Loans You Were Not Aware Of [Infographic]
The mortgage market in Australia is a mesh of thousands of different types of home loans. It is natural for a first home buyer to get confused while sifting through so many options. While you may not need all of these, it always helps to know your options to make an informed decision. The most basic types of home loans are the fixed and the variable rate loans. Variable rate loan is the most popular type amongst Australians. Your repayment amount keeps changing in a variable rate home loan as your interest rate fluctuates with that of the market. On the other…
10 Ways to Get Started Investing in Property
Property, the very word brings a sparkle in the eyes of many prospective couples who dream of having their own home. But these are the end users who are fed up of paying rent and want to use the same money into something constructive that actually bears fruit for them rather than filling the pockets of landlords. But there is another class of buyers who have surplus cash acquired through income from salary or business and want to reap exponential returns. 1.Examine all options before taking the plunge Stories abound from time immemorial of people buying land in the most…
Seven Causes For Home Loan Denial | ARG Finance
Most home buyers finally find the right property after months of searching. After that begins the quest for the right home loan. Now all you need is a suitable lender who would finance your purchase. But what happens if you apply for a home loan and the bank rejects your application? Real estate has become one of the most popular channels of investment in Australia. However, buying a property is no mean feat and a lack of funds can be one of the main reasons that can hold you back. So, most buyers resort to a home loan. Apart from keeping…
About Home Loan Pre-Approvals You Should Know
If you are shopping for a new home, chances are that you are hunting for the perfect home loan too. But it is not necessary that you apply for a loan after you find your dream home. Rather, you have the option to arrange for a loan beforehand. This is where a loan pre-approval comes into the picture. A pre-approved loan helps you arrange for your finances in advance so that you can go forward with a stress-free search. What exactly is a loan pre-approval? A loan pre-approval can be seen as a preliminary approval by a lender to a prospective homebuyer,…
Latest Posts
Our Panel of Lenders
