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OYSTER FINANCIAL BLOGS

Low Doc Loans – The Basics

Posted by: Oyster Financial
As you probably already know, there are a lot of different types of loans available. So much so that it can be fairly difficult to determine what they are and which one is best for you. This blog post will look at the ins and outs of low doc loans! Hopefully by the end of this blog you will have a solid idea on what a low doc loan is and if this type of loan is suitable for you. What is a low doc loan? A low doc loan is a type of loan that doesn’t involve the typical documentation t

Things to do before you apply for your small business loan

Posted by: Oyster Financial
Anyone who has applied for a small business loan before will know just how difficult it is! The process as a whole is quite complex and if you don’t know one component it could lead to disaster down the track. There are so many things you have to do before you even submit your application! It is important that you take into account all the below points as it will make your application more appealing and hopefully result in approval. Read more..

Reasons Why Your Small Business Loan Has Been Rejected

Posted by: Oyster Financial
No one likes to be rejected, no matter the situation. Unfortunately rejection is a part of everyday life. No one feels rejection more than that of the small business owner, especially when they are trying to receive additional financing! Lenders do not like lending money to small businesses because they are seen to be of high risk. This fact is reflected in the recent results that show only about half of all small businesses were successfully about to secure a loan in 2016. That means that a lot of small businesses were faced with rejection. Read more..

The Australian cash rate remains on hold at 2.25%…

Posted by: Oyster Financial
…however, the RBA speculates that another rate cut is on the way. Both moderate global economic growth and a below-trend pace of domestic growth are the key reasons for the RBA board deciding to leave the Australian cash rate at 2.25% today. However, in the official statement released on behalf of RBA Governor Glenn Stevens, it was mentioned that a further rate cut is still a possibility should there be any further decline in the current levels economic activity. One key area that remains steady is Australia’s housing market. As the RBA announcement stat

The RBA cash rate drops by 0.25%.

Posted by: Oyster Financial
Cash rate continues its descent to lowest rate in Australia’s history. In what was one of the more contentious rate decisions of late, the RBA has announced that the best course of action was to reduce the cash rate a further 0.25%. This decision was less about offsetting negative economic trends, but to further stimulate positive growth signs throughout Australia’s economy. RBA Governor Glenn Stevens makes special mention of the favourable lending environment: “Low interest rates are acting to support borrowing and spending, and credit is recordin

The benefits driving the trend to use a Mortgage Broker

Posted by: Oyster Financial
It’s time to buy your first home, renegotiate your mortgage, buy that investment property or consolidate your debts.  Do you DIY it? Do you go to your favourite bank and get the best they have on offer? Or, do you make the choice that a growing number of Australians are making and choose to use a mortgage broker? We think it makes both good dollars and smart sense to go the broker route. Here are a few reasons we say that. And, they may just explain the growing trend. Personal Attention Mortgage brokers take the time to learn your specific

Translate your dreams into goals through property investment

Posted by: Oyster Financial
Translate your dreams into goals through property investment
Have you heard the insightful quote that states, “The difference between a dream and a goal is a deadline”? This holds especially true for your financial future. We encourage you to set property related goals for your future. No matter what stage you’re at, your current financial position, or your age, you can create a property related goal that can help you to achieve your dreams. If your dream is to set yourself up for a well-funded retirement, investment properties may well be your best option. It doesn’t take the accumulation of too many p

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