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Latest industry insights and professional tips on making the most of your finance

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Commercial Property Investment – what is the WALE?

When you are looking to finance a commercial property purchase with
multiple tenancies you will need to know about the WALE.
The WALE – or weighted average lease expiry – measures the average time period in which all leases in a commercial property expire.
It is a key measure for assessing the certainty of rental income streams and is a common assessment tool for commercial property financiers.

Managing your personal finances during COVID-19

The rapid changes during COVID 19 have seen unprecedented measures taken by the Government and lenders in an effort to curb the economic and social impacts of the unfolding crisis. We have seen the introduction of extraordinary financials measures including:- Mortgage payment relief- Rental relief- Job Seeker payments to individuals- Job Keeper payments to small businessIn this article we address the most common queries and topics of conversation over the past month.

Property Development

Developing property may seem simple, especially in rising markets, but their are often surprises, unexpected costs and challenges that can erode time and profits alike.Financing development for one, despite the low interest rate environment, is increasingly challenging and we want to share some brief insights from our customers that might apply equally to weekend “property flippers” or larger developers alike.

Borrowing Boost

As a home buyer or existing borrower you may soon be set for a borrowing boost because of a combination of changes to lending assessment criteria and today’s RBA announcement of a rate cut of 0.25% to a historic low of 1.25%.

With the low interest environment expected to continue into the future and numerous economists predicting further rate cuts, the Australian Prudential Regulation Authority (“APRA”) have proposed a change to the current mortgage lending criteria which will boost individual borrowing capacity.

Testimonials

A huge thankyou to the team at Ardent Lending for your advice and support in getting us into our fantastic new home. We were in a unique situation as my husband had started a new business and I was working as a consultant.

The advice you offered enabled us to structure our work to be eligible for a home loan. You were able to tailor a solution that met our needs while making the process seamless and very personal. I would highly recommend Drago and the team, and they have already helped by brother also purchase his first home.

Claire and Ben

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The team at Ardent Lending were exceptional! Daniela and Jaime went above and beyond with their service, they provided us with great advice, and we knew where we were throughout the process! A genuine team that cares. Thank you.

Diana and Dusan

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Thankyou Drago for helping my wife and I with the review and refinance of our home loans. You provided us with various lending options and summarised the pros and cons of each option a way that was easy for us to understand,

Your professional approach and effective communication at every step of the process demonstrated your knowledge and experience. We would not hesitate to recommend you to anyone looking for financial advice or loan restructuring.

Paul and Saleshni

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J'aime and her team were fantastic! Her service took so much of the stress and running around out of our search for the right home loan. Well informed, personable and thorough. Highly recommended.

Vanessa and Stephen

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A big “THANK YOU” to the Ardent team for helping us purchase our dream home. After years of focusing on building a business that had a fairly complicated structure, we were concerned that even though the business was performing well and the figures all stacked up, with the recent tightening of lending criteria that all our hard work would not actually result in the ability to purchase a home we loved.

The team at Ardent understood our position, our concerns and the outcome we wanted, they then supported us every step of the way and gave constant feedback during the process, keeping all lines of communication open and even took a few late-night calls. I highly recommend Jaime, Daniela and Drago to anyone looking to purchase a new property.

Jed and Jade

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