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This website is owned and operated by Clark Family Pty Ltd (as Trustee for the Clark Family Trust), 43 Larch Street, Tallebudgera QLD 4228, A.C.N. 010 281 008.
Clark Family Pty Ltd is an Authorised Credit Representative of Saccasan Pty Ltd (Australian Credit Licence No. 386297) and an Authorised Representative of Unique Group Broker Services (Australian Financial Services Licence No. 509434).
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Imagine being hit with an unexpected expense like a car repair or medical bill. Without a financial buffer, such surprises can wreak havoc on your budget. This is where an emergency fund plays its heroic role. - read more
Credit scores play a crucial role in your financial life, influencing your ability to access loans, credit cards, and even housing rentals. In Australia, your credit score is a numerical representation of your creditworthiness, which lenders use to assess the risk of lending to you. - read more
Financial freedom is the ability to live life without being burdened by the stress of money woes. Imagine having enough savings to cover emergencies, living comfortably without constant financial anxiety, and even planning for retirement confidently. This is the goal many Australians strive for – a peaceful and secure life that isn't dominated by worries about bills and debt. - read more
Budgeting is a foundational skill in the realm of personal finance, and as crucial as setting the sails is to a captain navigating through treacherous waters. Just as steady winds propel a ship towards its destination, a well-structured budget guides individuals towards their financial goals with confidence and control. - read more
Your credit score is much more than just a number; it's a reflection of your financial history and a determining factor in securing future loans. Understanding how bad credit can affect your loan applications is crucial in today's financial landscape. Bad credit can lead to frustration and disappointment when looking for a competitive loan offer, but don't lose heart—there are actionable steps you can take to improve your situation. - read more
Debt can often feel like a formidable obstacle on the path to financial stability. Many individuals battle with various forms of debt, from high-interest credit cards to significant loans that seem to have an unyielding grip on their financial lives. Recognizing the challenges that debt presents is the critical first step towards regaining control of your personal finances. - read more
The landscape of personal financing is broad and varied, particularly in the Australian market where individuals have access to an array of loan options. When considering lending, the fundamental distinction to comprehend is that between 'secured' and 'unsecured' loans. - read more
Welcome to our beginner's guide on personal loans during financial hardship. Navigating financial challenges can be overwhelming, but personal loans could serve as a viable solution. This article will cover what personal loans are, how they work, and why they might be beneficial during tough times. - read more
Welcome to our blog! For young families, securing your future often requires careful planning and prudent financial decisions. One of the most crucial steps you can take in this journey is creating a financial safety net. - read more
In recent years, non-bank lenders have significantly increased their presence in the Australian small and medium-sized enterprise (SME) financing sector. As of early 2025, these lenders account for 26% of smaller loans to SMEs, marking a notable shift in the financial landscape. - read more
Australian small and medium-sized enterprises (SMEs) are currently grappling with significant cashflow challenges, primarily driven by rising operational costs. Factors such as increased wages, inflation, and higher interest rates have placed considerable strain on these businesses, affecting their financial stability and growth prospects. - read more
OnDeck Australia has reported a remarkable 246% year-on-year increase in broker-originated small business loans funded in November 2024 compared to the same month in 2023. This substantial growth underscores a renewed confidence among Australian small and medium-sized enterprises (SMEs) in seeking financial support through broker channels. - read more
The Australian Financial Complaints Authority (AFCA) has issued a warning to small businesses regarding the risks associated with engaging unregulated lenders. This caution comes in response to a notable increase in complaints related to lenders not covered by the Credit Act and who are not members of AFCA. - read more
In response to Australia's expanding small business sector, non-bank lender So Money has introduced new lending solutions tailored for self-employed borrowers and small and medium-sized enterprises (SMEs). This strategic move aims to simplify the income verification process and provide more flexible financing options to a traditionally underserved market. - read more
The Australian Prudential Regulation Authority (APRA) has announced a significant policy change aimed at mitigating risks in the housing market. Effective February 2026, APRA will implement a cap on high debt-to-income (DTI) home loans, limiting banks to issuing no more than 20% of new home loans with DTI ratios of six times or higher. This measure applies to both owner-occupier and investor loans, excluding new housing developments. - read more
The Australian Securities and Investments Commission (ASIC) has conducted a comprehensive review of the private lending sector, uncovering several areas of concern. The investigation revealed inconsistent and unclear reporting, downplayed risks, opaque fee structures, conflicts of interest, and poor valuation practices within the industry. - read more
The Australian non-bank lending sector is experiencing significant growth, attracting attention from both the Australian Securities and Investments Commission (ASIC) and the Reserve Bank of Australia (RBA). As more Australians turn to non-bank lenders for property loans, concerns about financial stability and regulatory oversight have emerged. - read more
In a significant development for Australia's financial sector, business lending has reached an unprecedented $925 billion across the nation's top 10 authorised deposit-taking institutions (ADIs) as of July 2025. This milestone underscores a robust appetite for corporate borrowing, reflecting growing economic confidence among businesses. - read more
