Guides
The things worth knowing before you borrow
Practical explainers drawn from the conversations we have with clients every week.
Reading list
Six short guides
What lenders actually look at
Income, expenses, credit history, the asset and — for business — trading history. A plain-English walkthrough of an assessment.
Read moreBuying privately vs from a dealer
What changes when there's no dealer involved, and the extra checks lenders require on a private sale.
Read moreBalloons and residuals explained
How a balloon lowers the monthly repayment, what it costs you overall, and when it makes sense.
Read moreShould you consolidate your debts?
How to compare your current commitments against a consolidated repayment — including where it doesn't help.
Read moreWill this machine pay for itself?
A simple framework for comparing a finance repayment against the extra work a machine brings in.
Read moreGetting your documents ready
The list that speeds up nearly every application, and why lenders ask for each item.
Read moreWant this applied to your situation?
Guides are general. A conversation is specific — and free.