For  Australian construction contractors, choosing to establish an independent small business is a popular option. While it is often a slightly daunting process giving up a regular, salaried position to become your own boss, it's also exciting and rewarding. The freedom you enjoy in choosing your own projects, setting your own hours and potentially increasing your income dramatically is worth it, even if it means an increase in personal responsibility and paperwork.

Securing a home loan is a challenging process—the questions, paperwork, comparison shopping, pre-approval and finally house shopping—and so it's important to ensure by the end that you have the greatest value for yourself. This article discusses three things that you can do to ensure you get the most value from your loan. 1. Raise your credit score Home loan lenders are very interested in your credit score, given that a home loan stays with you for decades.

Have you just entered the workforce or are a casual employee without regular pay slips? Perhaps you're a freelancer or work on contract. In any of these circumstances, it can be extremely hard trying to secure a loan to buy a car. Most lenders are looking for steady income earners and may reject your claim from the start. But low doc car loans may be available where you don't have to produce a great deal of documents.

When you're searching for a vehicle on a budget, opting for a used car is a simple way to save money. If you don't have the cash up front, you may want to choose used car finance. Before applying for a used car loan, there are some steps you should take to increase your chances of acceptance. Make sure the vehicle has a clean record Even if you're buying from a dealer, it's advisable to perform a background check to make sure the car has a clean record.