Home loans can be stubborn beasts. Unfortunately, there is no quick and easy way of getting rid of them.  Fortunately however, there are some strategies you can use to reduce your home loan faster.  Here are my suggestions to get your home loan under control and keep it that way; Use 100% offset – This allows the borrower to use …

The relationship banker revolving door

One of the biggest frustrations for business banking clients is the regular turnover of relationship managers. Clients invest time and energy explaining their business to their bankers in order to achieve a strong relationship. Rapport and trust is built over time and many meetings. So when a banker moves on, the process of building this relationship must start again. Almost …

What’s your story?

Many years ago, early in my career, I was given the opportunity to write and win my first cash flow deal. The  prospect ran a group of Gymnasiums with a complex structure and an even more complex request for finance. Enthusiastically I absorbed and interpreted all the financial data available to me. I left no stone unturned and prepared a detailed …