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Interest Rates

Interest Rates

You could be forgiven for thinking that interest rates occupy our minds more than any other topic. Every time a bank moves rates one way or another, it’s headline news. Even when the RBA doesn’t move rates there’s a news story about it. We’ve been conditioned to think...

Perfection and Reality

I know a couple of parents who live in suburbia. For many years they were regarded by their family and friends as the perfect parents. Especially the mother. Her first two children (now adults) were perfect with no hint of mental illness or drug addiction or any other...

Loan Application: 1200 Pages

We often apply for commercial loans for clients. Sometimes these loans have a little added complexity. For example, in the past few weeks we have processed a loan application from two couples buying a business via a family trust. They will use their homes as security....