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As Australian banks begin lifting interest rates, even a 0.25% rise can add hundreds to monthly home loan repayments. Fixed rates are already climbing, making it important to review options now. A split loan can balance certainty and flexibility by protecting part of your mortgage from rate rises. Lendcap helps structure loans to manage risk and stay prepared in a changing market.

Securing a business loan can feel like a challenging maze. Many entrepreneurs often ask: what do lenders truly seek? Understanding the specific criteria used by banks can dramatically boost your chances of getting approved. In Australia, lenders commonly evaluate applications based on the 4 Cs of Credit: Character, Capacity, Collateral, and Capital. In this post, we'll explore these essential components in detail, examine their impact on loan approval and rates, and discuss h