https://hobartloans.com/ Plain-English loan and finance guides from Hobart, Tasmania.en-auThu, 08 Oct 2026 09:00:00 +1100 https://hobartloans.com/wp-content/uploads/2023/10/cropped-hobarts-logo-png-192x192.pnghttps://hobartloans.com/ https://hobartloans.com/borrowing-to-grow-small-business.htmlhttps://hobartloans.com/borrowing-to-grow-small-business.htmlTue, 06 Oct 2026 09:00:00 +1000Business LoansPhilip RiddleBorrowing can accelerate growth or quietly sink a healthy business. This framework shows how to compare return with the true cost of debt, calculate payback and stress-test the plan before you sign. https://hobartloans.com/how-lenders-assess-loan-applications.htmlhttps://hobartloans.com/how-lenders-assess-loan-applications.htmlTue, 29 Sep 2026 09:00:00 +1000Finance TipsPhilip RiddleLenders look at far more than your income. Learn the 5 Cs of credit, how serviceability and credit reports work in Australia, and follow a practical 30-day plan to get your application ready. https://hobartloans.com/vehicle-written-off-what-happens-to-your-loan.htmlhttps://hobartloans.com/vehicle-written-off-what-happens-to-your-loan.htmlThu, 17 Sep 2026 09:00:00 +1000Car & Equipment FinancePhilip RiddleWhen a financed car or truck is written off, the loan keeps running until it is paid out. Here is how insurance settlements reach your lender, why a shortfall can remain and how to protect yourself. https://hobartloans.com/bridging-loans-buy-before-you-sell.htmlhttps://hobartloans.com/bridging-loans-buy-before-you-sell.htmlTue, 08 Sep 2026 09:00:00 +1000Home LoansPhilip RiddleA bridging loan lets you buy your next home before selling the current one, but interest compounds while you wait. Learn how peak debt, end debt and capitalised interest work, with a worked example. https://hobartloans.com/types-of-business-finance-australia.htmlhttps://hobartloans.com/types-of-business-finance-australia.htmlThu, 27 Aug 2026 09:00:00 +1000Business FinancePhilip RiddleFrom term loans and overdrafts to invoice finance, equipment leases, grants and equity, each type of business finance suits a different job. Here is how to match the funding to the purpose. https://hobartloans.com/long-term-loans-explained.htmlhttps://hobartloans.com/long-term-loans-explained.htmlTue, 18 Aug 2026 09:00:00 +1000Personal FinancePhilip RiddleA longer loan term lowers your repayments but can add thousands, or hundreds of thousands, in interest. Here is how term length, rates, fees and repayment features change what you really pay.