Warehouse Finance in Welshpool: How Perth Businesses Buy the Building They Lease
4 min read QUICK SUMMARY THE QUESTION: Buying the warehouse you lease can provide control and build equity, but only when the property and business numbers work together. THE PRECINCT: Welshpool offers established freight access, infrastructure and an industrial ecosystem that suits long-term owner-occupiers. THE FINANCE: A commercial property loan assesses both your business and […]
RBA Rate Hike Looms After GDP: What It Means for Commercial Borrowers
4 min read QUICK SUMMARY THE DATA: June quarter GDP grew 0.4 per cent and 2.1 per cent through the year: modest, but better than the RBA expected. THE LIKELY MOVE: Markets and some economists now see a reasonable chance of a 0.25 percentage point hike at the 29 September meeting, taking the cash rate […]
The 30% Trust Tax Backdown: What It Means for Family Businesses in Australia
4 min read QUICK SUMMARY THE BACKDOWN: The 30% minimum trust tax is still proposed from 1 July 2028. THE ELECTION: Existing trusts may lock in fixed distributions to nominated beneficiaries. THE DEADLINE: Consultation on the draft legislation closes on 18 September 2026. THE FINANCE ANGLE: Trust changes can affect borrowing, guarantees, security and lender […]
Perth Industrial Keeps Defying Gravity: What It Means for Buyers
4 min read QUICK SUMMARY THE MARKET: Perth industrial vacancy is sitting UNDER 2 PER CENT, making it one of Australia’s tightest markets. THE DEMAND: Logistics, resources, defence and local business growth are competing for limited space. THE DEALS: Major transactions in Bullsbrook, Welshpool, Forrestfield and Hazelmere show strong institutional and private investor confidence. THE […]
Private Credit’s Cockroach Moment: What It Means for Borrowers
4 min read QUICK SUMMARY THE STORY: Bathla Group collapsed into voluntary administration owing roughly $3.2 BILLION, much of it to private credit lenders. THE WARNING: MA Financial restricted withdrawals from its $2.3 BILLION private credit fund to 1 PER CENT of funds under management per monthly period. THE TAKEAWAY: Non-bank lenders remain legitimate and […]
September Rate Rise? What the Latest Inflation Data Means for You
4 min read QUICK SUMMARY THE NUMBER: Headline inflation eased to 3.5 per cent in the year to July, but economists expected 3.3 per cent. THE RISK: Trimmed mean inflation remained elevated at 3.6 per cent, with services inflation running at 3.7 per cent. THE MEETING: Markets now price a 38 per cent chance of […]
What Happens When Your Commercial Lease Expires: Stay or Move, Lease or Buy?
4 min read Quick Summary START EARLY: Review your options 6–12 months before expiry. TWO DECISIONS: First decide stay or move. Then decide lease or buy. STAY AND LEASE: Renew with strong negotiation if premises and rent still work. STAY AND BUY: Purchase the building you occupy and build equity. GET ORGANISED: Commercial finance can […]
Charter Hall Is Betting on an SMSF Surge Into Commercial Property: What It Means for Investors
4 min read Quick Summary MARKET SIGNAL: Charter Hall expects more private money to move from residential into commercial property. TAX CHANGES: Negative gearing and CGT changes have weakened the residential investment case. SMSF OPPORTUNITY: SMSFs can still borrow for eligible commercial property. PERTH CONTEXT: Perth’s tight industrial market continues to support demand for quality […]
Refinancing in a Selective Market: How to Get Your Commercial Loan Over the Line in 2026
4 min read QUICK SUMMARY The market: Commercial lenders remain open, but they are more selective about serviceability, loan-to-value ratios, valuations and documentation. The opportunity: Strongly leased industrial property and profitable businesses in Perth can still attract lender interest. The decision: Refinance when the new structure improves your position, not simply because another lender advertises […]
NAB’s Housing Slump Warning: What It Means for Commercial Borrowers
7 min read QUICK SUMMARY Housing slowdown: NAB has warned that post-budget changes are creating a second-wave shock, with the full impact still unfolding. Falling applications: NAB home-loan applications fell 16% in Q2, while Westpac reported an approximately 20% decline since the budget. Commercial divergence: Business credit growth has outpaced housing credit, suggesting lenders are […]
