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PO Box 1183 Palm Beach, Queensland, Australia 4221
Our registered office address is 43 Larch Street Tallebudgera, Qld Australia 4228
Australian Credit Licensing Information
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. 010281008, authorised credit representative of Saccasan Pty Ltd, Australian Credit License 386297. Visit the ASIC website for additional licensing information.
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Loans can play a significant role in shaping our financial landscapes. For many Australians, they are vital tools for achieving milestones like buying a home, financing education, or starting a business. However, selecting the wrong type of loan can have a detrimental impact on your financial health, leaving you with unwanted debt and stress. - read more
In the landscape of modern finance, credit scores can often feel like gatekeepers to our goals, barring or granting access to essential funding when we need it most. The truth is, debt is as common as it is complex, threading through the lives of many with silent tenacity. Understanding its prevalence is the first step in navigating the choppy financial waters it can create. - 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
Bad credit, often resulting from late payments, high debt levels, or other financial missteps, can feel like a major roadblock. It typically means that your credit score falls below a certain threshold and may reflect a history of financial challenges. - read more
When it comes to borrowing money, whether it's for personal use or for your small business, understanding interest rates is paramount. An interest rate, simply put, is the cost you pay to borrow money. It's typically expressed as a percentage of the principal amount you're loaned. This fee is how lenders earn on the funds they lend and is a key component you should consider before signing a loan agreement. - read more
In simple terms, a loan is an amount of money you borrow from a lender and agree to pay back over time, often with interest. Loans come in various forms and can be tailored to suit different needs, such as buying a home, financing a car, or consolidating debt. - read more
Smart budgeting is one of the most vital tools in maintaining and improving your financial health. It provides a clear picture of your financial situation, helping you make informed decisions about spending, saving, and borrowing. - 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
Interest rates play a vital role when it comes to borrowing money. They determine how much extra you'll pay on top of the amount you've borrowed. - read more
Westpac Banking Corporation has announced a significant expansion in its business banking division, with plans to recruit 350 new bankers over the next two years. This strategic move is part of Westpac's concerted effort to reclaim its leadership position in Australia's business lending market. - read more
The Australian government has introduced new legislation mandating that buy-now-pay-later (BNPL) providers conduct credit checks on borrowers. This move aims to align BNPL services with traditional credit providers, enhancing consumer protection and financial transparency. - read more
The Australian Prudential Regulation Authority (APRA) has announced its decision to maintain the 3% serviceability buffer for home loan lending. This buffer requires lenders to assess a borrower's ability to meet loan repayments at an interest rate 3% higher than the current rate, ensuring borrowers can withstand potential rate increases. - read more
The Australian government has announced an extension of the exemption from Responsible Lending Obligations (RLOs) for small businesses, now set to continue until October 3, 2026. This decision aims to facilitate easier access to credit for small and medium-sized enterprises (SMEs), recognizing their pivotal role in the national economy. - read more
The Australian Financial Complaints Authority (AFCA) has published its 'Approach to Lending to Small Business,' providing comprehensive guidance on how it considers complaints related to small business lending. This initiative aims to offer clarity and transparency for both financial firms and small business owners navigating lending disputes. - read more
Afterpay, Australia's leading buy-now-pay-later (BNPL) provider, has reported that over 10% of its surveyed users were advised to close their BNPL accounts to qualify for a mortgage. Subsequently, these users were offered credit cards by the same banks or mortgage brokers, highlighting the competitive dynamics within the consumer finance sector. - read more