Finance Companies

This is a review of Capify. They are a financing company for Australian small and medium sized business owners. You’ll discover what you should really know before applying.

I created this blog a long time ago. It’s helped thousands of business owners and prospective business owners in Australia to transition towards the laptop lifestyle, instead of the daily commuting and challenges of traditional business. I’m also able to get access to a 100% FREE online training course, but more on that later.

Capify Review

When researching any financial company, I want to firstly consider some factors:

• How long have they been operating?
• What’s the size of their operations team?
• Do they have a range of different lenders?
• Are their online reviews high or low?
• In what area of financing do they specialize?
• Is there any success stories from clients?

All wise questions to ask. It’s from there that we can establish if they’re the real deal, or should be passed along in favour of another lender.

When researching for this review of Capify, I found in favour of the following attributes:

• They’ve been in the Australian market for over 10 years
• Their social media channels are quite established
• There happens to be dozens of success stories online
• When researching reviews, Capify has plenty here
• They only do business finance, not personal finance
• There’s a decent team to help you get started today

Then again, there’s a negative. This is applicable to all lenders. These guys can’t guarantee any success. That all comes down to you and your application. But, you might be able to score a better interest rate!

5 Ways to get approval (with a better rate!)

Allow me to help you get started, and potentially, get a better rate for your finance than you would get just about anywhere else.

1. Make sure all of your paperwork is in order, including 2 years of BAS statements
2. Check that all phone numbers are current, as well as addresses on documentation
3. Refer to your credit history to acertain that there isn’t any blackmarks on there
4. Show a decent balance in your bank account, so the lender knows you have liquidity
5. Be accurate in your responses, as Capify will call you to clarify a few things

Everyone has a unique situation, and some will be more likely to get a better rate than others. Not everyone gets approval unfortunately, though there are some high-risk lenders out there that can help, albeit at a higher interest rate.

Building more cashflow

This is the fun part! Where I’ll show you a strategy that thousands of Australian businesses have been excited to get started with. In fact, there’s a 100% FREE training course available here.

It’s really only for the following people:

• Business owners who are sick of the normal challenges of businesses
• Those that want to live the laptop lifestyle and finally break-free!
• Individuals who are committed to work hard, especially at the start
• Families with a strong desire to spend more time with their children

If that’s you, then please drop in your email address here. It’s safe, and you won’t be spammed. Promise. It’s just so the course details can be sent to you.

Please be advised that I am NOT looking for the following people:

• Those that are looking for a get rich quick scheme. Those don’t work.
• Business owners that don’t have any spare time at all for this side project
• People who think freedom isn’t possible. Ha! I’m in the hammock right now…
• Individuals with a scarcity or losing mentality. This wouldn’t be for you.

I’m quite clear about who I work with, hence ‘Work With Joshua’ is the title of my blog. As outlined in this Capify review, I detailed about length in the marketplace. This blog started in 2011, and I’m still here today. I’m an advocate of hard work and perseverance, it’s the only way to get anywhere in life. Fact.

I work with those across Australia, including those in Sydney, Melbourne, Brisbane, Perth and Adelaide. I’m based on the Gold Coast, and have the time-freedom as a business owner to really set my own schedule, and spend time with my family whenever possible. I’d invite you to consider coming onboard with the free training available, to at least open your eyes to this unique opportunity of partnership with the world’s #1 company.

Closing thoughts on Capify

I hope this evaluation of Capify has helped you make a decision. These guys are the real deal, and would be more than happy to help you out. Through the tips and advice I provided here, you may be able to get a better deal and interest rate.

Likewise, you might be able to find a better strategy in business, one that gives you more time-freedom. It’s what I’ve accomplished through this same system. It could work for you, if you work too. In life, nothing worth having, comes easy. But if you can keep charging forward, this opportunity is wide and open.

For those with questions, please get in touch with the Capify team right here. They’ll be able to help you out. There’s no pressure to move past a 10 minute strategy call, so they can outline if they can be of assistance. It’s likely that they can help you out, as they have helped thousands of Australian business owners already in the last 10 years.

I’m going to examine and review TicToc Home Loans for Australians. I’ll examine the fees and if you should utilize this mortgage broker.

I’m Joshua and this blog of mine has been going for years. I’ve bought and sold numerous properties personally, and have applied for finance 7 times. Needless to say, I’ve been through this process quite a number of times.

Through this website and blog I have examined companies through honest reviews so consumers can get the right perspectives. No BS. Zero sugar coating. Just the straight facts. In addition, I’ve helped many property investors to leverage the internet for greater cash flow returns through digital assets and an online business. But more on that later.

TicToc Home Loans review

These guys are a mortgage broker that has helped thousands of Australians. Unlike most people, TicToc Home Loans doesn’t have a fixed address, though is based in Adelaide. These reduced operating expenses mean that they can pass the savings on to the customer, plus hire talented staff that can actually help you through the process.

On offer are primarily home loans and investment loans. It’s good that they’ve narrowed down upon what they’re good at, instead of being a jack of all trades providing 150 different types of loans. There’s just 2. You can choose either variable or fixed loans.

There’s some distinct advantages, at least compared to the other mortgage broking dinosaurs:

• They’re seriously fast. Application takes 22 minutes!
• You’re offered some of the best interest rates around
• Settlement can happen within just days of application
• Their customer service team works 7 days per week
• Those who are self-employed (like me!) are catered for
• You’ll be dealing with humans over the phone if needed
• They have been totally operational now for a few years
• The process is very simple that most people can do it

On the downside, I note that there wasn’t any female customer testimonials on their website. Quite disappointing actually.

Also, some people might be technically challenged and might not feel comfortable doing it all themselves. That’s where traditional mortgage brokers still win. That said, most millennials are wise enough to know how to pull out a smart phone and take photos of bank statements and payslips.

Starting a new chapter

Chances are you’re going through a very exciting time and transition. I congratulate you! It’s also a good time to be open to a new opportunity.

You see – I don’t have a job. I actually earn 100% of my income on the internet. What’s incredible that often I just work part time hours, yet earn beyond a typical full time income. The secret? There isn’t one. 🙂

I’ve simply worked smart and hard. That is, I’ve moved into a line of work that gives me true freedom. No boss, no phone calls or driving around. I’ve got the freedom to travel and work anywhere from the laptop.

No more boasting actually, because it’s not just me who’s doing this. There’s literally thousands of Australians that are on board right now. We learned through a fantastic online training and educational program. Best of all, you can get 100% FREE access right here if you’re ready for this new opportunity.

The course modules will be sent to your email address. There’s a very helpful, supportive and collaborative community to help you through the process. There’s plenty of property investors that have decided to make a start.

Starting with TicToc homeloans

These guys are seriously great. Pioneers in the Australian mortage broking industry. Plenty of people in Sydney, Melbourne, Brisbane, Perth and Adelaide have used their services. They’re an online mortgage broker company so your location is irrelevant.

I would recommend these guys, just as I would recommend this FREE training course. Both are fundamentally awesome and progressive. It’s for those willing and able to be committed. Building your own online business takes time, effort, energy, patience and persistence.

If you’re willing to start, then this community is waiting for you.

Looking for a home or personal loan? This Pepper mortgages review will give you the key insights including interest rates and my personal complaints.

I started this blog many years ago, and I’m still here today. I’m always speaking my mind, and happily share key insights and learnings. In fact, I’ve helped literally thousands of people around Australia to understand how to build their own online business in part time hours. More on that later.

Pepper mortgages review

I’m going to evaluate this mortgage broker as a top-down approach, and some information I can’t be certain of. For example, there is a potential pepper home loans class action for which I can’t comment on at this stage.

These guys are one of Australia’s leading home and personal loan brokers. They’ve won numerous awards and recognition in the industry, and have now helped more than 200,000 Australians.

There’s some elements that I liked:

• Their loans are quite flexible
• You’ll be dealing with them directly
• Pepper interest rates are quite reasonable

Unfortunately, they’re not the lowest interest rates in the industry. You’ll find better elsewhere. This was the main downside when doing my research for you.

They serve a range of people including:

• Home buyers (most of their client-base)
• Those on ABNs and self-employed like me
• People wanting to consolidate their debts
• Those who have bad credit history (not me)

You’ve probably seen hundreds of reviews when searching online. This is because they’ve served heaps of Australians already. That said, these guys rate a little low at almost 4 stars. The industry average a little bit higher.

Consider new opportunities

If you’re seeking a home loan, then it sounds like exciting times ahead! I’d also recommend that you consider how to handle the added stress of having a mortgage to pay each and every month.

Not too long ago I went looking for something. I simply wanted to find a way that I could earn more money without simply getting another job…and I found it! Best of all, literally thousands of Australians have jumped on board too.

They’ve discovered how to move towards the laptop lifestyle and more time freedom through building their own business in part time hours. You can actually learn for free with this training course that pulls back the curtains and shows you how it’s done.

It’s ideal for the following people:

• Those with genuine work ethic and motivation
• People that want to retire before the age of 65
• Families seeking more home time with their kids
• Individuals who are done with the constant rat race

If that’s you, then consider jumping on board now with the thousands of Australians already on board. What’s proposed isn’t easy – there is some real work involved here. But if you’re willing and able to commit, then this has real potential to change your life.

Next steps

Pepper Money doesn’t rate so highly among the rest, and this could be due to their payday loans. Certainly not everyone gets approved, and perhaps most of the negative reviews and complaints about Pepper Home Loans is due to the rejections. Also, the interest rates are a little high there.

So I can’t say fairly whether I can recommend them, or guide you elsewhere. Certainly this is one decision you’ll have to make yourself.

Another decision is the one you’re still putting off. That is, to learn the key ingredient that has helped me live this laptop lifestyle. I sell online and help others do the same.

Instead of investing in property for 20 to 30 years, I’ve chosen an alternative pathway. I hope to help you through that journey too.

I’m going to fully reveal everything I know about HashChing in this review for Australians. I may also provide a promo code for this no deposit lender.

If you’re a mortgage broker looking for leads, then HashChing might be able to help you. These home-loans have been taken up in huge popularity.

Background on me

I’ve bought and sold several houses, and therefore, have applied for finance multiple times. I’ve been a property investor for close to 10 years.

That said, I’ve found that process to be rather slow. I went looking for something faster for true freedom. And I found it! If you’ve been looking for a way to quit the daily grind, then this might be the opportunity that you’ve been waiting for.

I’ve been blogging here since 2011, and almost a decade later, I’m still here! I’ve shared some excellent content about building your own online business from home. Through my words, I’ve inspired thousands of Australians.

HashChing evaluation

You’re probably curious if HashChing home-loans are any good. What are the interest rates? Can you apply with no deposit? Good good questions to ask. On the other hand, if you’re a broker, should you consider using their lead services?

For individuals, they have some really good advantages:

• You can still get a mortgage with no deposit
• Quite an easy home loan application process
• Free service + no impact on your credit score
• Allows easy matching of brokers in your area
• Access to more than 80 lenders on their panel

What I really liked is that, on average, it’s less than 10 minutes for these mortgage brokers to get back to you. That is, during office hours. Some of them also work 7 days per week, and are locally based, not overseas.

Through using their secure portal, you’ll get:

• Easy tracking of your home loan application
• The ability to upload your documents easily
• Referral to a conveyancer to handle the legal side
• Instant messaging function to chat to your broker
• Access to discounted home and contents insurance

If you happen to be a mortgage broker, you’ll find that these guys have helped close to 50,000 borrowers obtain finance in the past few years. Most of these are the younger generation who are resourceful enough to provide documentation and likely have a strong credit rating.

Looking at new opportunities

HashChing has certainly changed the way that Australians connect with mortgage brokers and get the best deal. Especially with the excellent interest rates on offer.

During these changing times, it’s a good time to consider the potential a new side project. That is, the opportunity to create a side business through partnering with the world’s #1 company.

As I mentioned, I went looking for freedom not too long. Through this system, I simply found it! Best part – thousands of Australians are now on board. They’ve decided that working until 65 isn’t the gig that they signed up for.

Quite simply: This opportunity is opening for those willing to get their hands dirty, and be open to learning about new possibilities. There is work involved here, and expect to take some time to implement what you’ll learn. But if you’re serious, and can devote some time, then there’s some real potential here.

Curious to learn more? This 100% FREE Amazon course is available now, with the course modules sent to your email address. Thousands of Australians are already on board, and learning how to create more freedom and a greater lifestyle for themselves.

Next steps with HashChing

There is a true revolution going on in the world, and the mortgage broking industry is one of them. HashChing has created an epic platform that connects borrowers with mortgage brokers, and through my deep research, the vast majority of consumers had 5 star reviews. Quite clearly they’re doing something right here.

Of course, they can’t guarantee you’ll be successful. No one can, but the best way is to apply. Their free quote system won’t impact your credit score which I applaud, so at least you’ll get an instance sense as to whether you qualify.

One thing that you’ll qualify for is access to this FREE entrepreneurship course. It’s where I predominantly learned how to create an online business, and in April 2018, I was able to quit my job. It’s where you can potentially create the same or even greater results.

This opportunity is why open for those in Australia. Consider the potential of continuous travel with your own online business. That’s not only possible, but there’s tens of thousands of people doing it worldwide as they’ve partnered with Amazon! I’m looking forward to hearing from you.