Advice and Loans

As the Home Loan market becomes increasingly complex, more people are turning to Lending4U. Here are some of the reasons

Lending4U can save time: The choices now available in the Mortgage market can seem limitless and completely overwhelming. You can choose to research the subject, the Lenders and their products yourself, or work with Lending4U who already has that knowledge.

Lending4U can help find the right loan: The best deal is not necessarily the cheapest rate. Lending4U will examine your circumstances and future plans to recommend a loan that is right for you. Having an appropriate loan which works for you can help you build wealth.

Lending4U can help you avoid pitfalls: Many products seem to offer a great deal but they could have penalties, fees and charges you may not be aware of. Or, they may not offer the flexibility you require in the future. Lending4U can help you avoid taking out a loan you might later regret.

The types of loans available for investment properties are generally the same as the ones available for owner occupied properties - you can avail yourself of the same interest rates, options and flexibility. The key to determining which loan is best for your investment property comes down to your investment strategy. As with any large financial decision you make, it's always wise to seek investment advice from a professional before entering into any property investment.

The two primary ways in which investors build wealth through real estate:

Capital Gain: This relies on the increase in value of the property to be more than the initial price of the property plus your repayments and buying and selling one-off costs. For example, if you purchased for $200,000, you sold it for $300,000 and your repayments and additional costs were $60,000 the gross capital gain is $40,000.

Building Equity: This relies on an increase in value of the property and bringing down the loan. For example, if you purchased a property for $200,000, and your loan was for $150,000 you would have $50,000 equity in the property. A few years later if the property was valued at $225,000 and you had $100,000 remaining on the loan you have $125,000 equity in the property. Plus you benefit from the rental return on the investment property.

Many people in Australia dream of running their own small business but four out of five never do it. If you've got a good idea, develop a business plan, then talk to us about your Small Business Finance options.

Your Small Business Finance or Commercial Finance options include:

• Business Loans
• Commercial Loans
• Lines Of Credit
• Home Equity Loans
• Franchise Funding
• Venture Capital

How much money does your business need?

A lot of small businesses fail not because they're offering a poor product but because they run out of cash. How much money do you need for your business? Not just to pay for set-up costs but to cover your living expenses while you get established? Don't even think about going into business until you've done a detailed business plan and cash flow projection. Otherwise you're planning to fail.

Instead of purchasing computers, plant or other business equipment, many businesses use Commercial Leasing because it improves their cash flow. Here we look at some Business Equipment Finance options including:

• Commercial Leasing
• Operating Leases
• Finance Leases
• Fully Maintained Leases
• Hire Purchase
• Chattel Mortgage Finance

Commercial Leasing - monthly tax-deductible payments: With Commercial Leasing, instead of you paying for your business equipment, the Lender does. They then lease the business equipment to you for a monthly tax-deductible rental payment.

Operating Lease vs Finance Lease - what's the difference? With a Commercial Equipment Lease, you have two options: an Operating Lease or a Finance Lease. At the end of a Finance Lease, the lender gives you the opportunity to purchase the goods for a previously agreed Residual lump sum payment. In contrast, at the end of an Operating Lease, there is no liability to you for the Residual payment. It is the responsibility of the lender to whom you return the equipment.