Falcon Finance AU
1 day ago

We hope you all enjoyed the school holidays with the kids & don't forget that 40 zones on are back our roads today! 😊⭕✅

4 days ago

“As such, Westpac submits that placing too much emphasis on the customer’s pre-application living expenses when determining suitability, without allowing scope for reasonable lifestyles ... See more

5 days ago
Bike Finance

With many lenders to choose from, we cater for ALL finance profiles!
Good credit? Get the lowest industry rates available!
Bad credit, we will find the loan to best suit your needs!
If you want a ... See more

6 days ago
Low Rate Bike Finance

Falcon Finance have new Bike Finance options which will make it tough to look anywhere else! Available 7 days, so get your quote today! 1300 325 346

6 days ago

With more rate reductions forecast up until the end of the year, now is the time to take advantage of our First Home buyers & Builders grant packages! 🤩

$30,000 is up for grabs with some of the ... See more

1 week ago


🚜Low Doc Commercial Asset Finance now slashed to 3.75%!🚍

• ABN must be GST Registered for minimum of 12 months
• Self-declared figures for Revenue, ... See more

1 week ago
Banks under pressure to reduce mortgage rates in line with RBA cut

Rates are still predicted to drop with the RBA until the end of the year!

Predictions sat as low as 0.5% 😯👍
Now is the time to invest in the property market.

If the only thing holding you ... See more

1 week ago

First Home Buyers & Investors:

Want to start paying off your own brand new home instead of someone else's?

Change your rental payments into mortgage payments and own your very own home. Have a chat ... See more

2 weeks ago

To all our #business partners & business owners, Happy New Year!

Talk to us today for your Finance needs & start your new financial year strong! 💪

1300 FAL ... See more

2 weeks ago
Bulldogs coach backs star's anti-gambling stance | The New Daily

Gambling can often lead to negative consequences, including when applying for Finance!
Reducing gambling advertising can't hurt. 👍

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Why Falcon Finance?

Shaun and Rebecca have been involved with finance for most of their professional careers helping people gain finance for their first or next purchases. They are honest, ethical, professional and efficient and together work hard to find the right deal, the right lender and the best rate for you across their large panel of banks & lenders.

Based on the Gold Coast & open 7 days for you to talk about your next loan option, they offer a high standard of customer service along with a friendly & approachable manner to talk in real terms about your loan enquiry.

Falcon Finance offer a variety of loans to suit your needs. From Personal loans to Business, Asset & Home loans.

If you don’t have the time to look for the best deal, let Falcon Finance do it, their services will be at no cost to you!

More About


It’s a good idea to have at least a 5% deposit saved up if this is your first property, however there are exceptions to this rule.


Get in contact with us at Falcon Finance, Find out how much you can borrow and what you might need to get your approval.

Find a House

Start Looking for your new home! At this stage you can shop with confidence and the knowledge of what you can borrow.

Finalise Purchase

Now that you have found your new home, it’s time to get all the paperwork finalised. We are here to make this all as smooth and easy as possible.

Our Customers

4 Simple Steps to Improve Your Credit Score

Are you looking to invest in a new car, a piece of land or new business?

You can see it now. The purchase you have always dreamed of making. It’s within touching distance.

The only problem? Your credit score is in bad shape and it isn’t likely that you will be approved for the loan you need.  

Whether it be your first home, a new car or that business you have dreamt of owning since you were a kid, sometimes we need help from financial institutions to reach our goals. Having a poor credit rating can prevent these institutions from trusting you to repay them though, and can lead to the rejection of your applications for credit and loans. 

Luckily, with some careful planning, discipline, and these 4 simple steps it is possible to fix your credit score.

●      Pay All Your Bills On Time

The most important way to ensure that your credit score doesn’t get even worse going forward is making sure you pay your bills on time.

This is especially important for bills over $150. If bills over this amount are unpaid for over 60 days, it is considered a default on your credit card and can have a significant impact on your rating.

If you are worried that you are going to default on a payment, get ahead and make sure you set up a payment plan with your account provider to avoid a black mark against your name. 

According to the bookkeeping experts at Metro Bookkeeping, planning ahead can help you avoid nasty headaches down the line, saying “the simplest way to stay on top of your credit is to charge only what you can afford. Spending within your means is a skill you can learn over time, and it starts by staying inside the spending limit of your capital.”

●     Bring It All Together

It may be advantageous to evaluate your credit accounts and bring them all together under one product.

Consolidating your credit will make it easier for you to track and manage your debt by keeping it all in one place.

According to the architectural team at Modern Day Concepts, it pays to do your homework, particularly if your business relies on cash flow or operates with lengthy projects like they do, as they noted “do your research when choosing a credit card or loan product that you will be consolidating under and find one with low interest rates and that suits your needs. This is especially effective when your influx of capital occurs across a longer time frame.” 

When debt consolidation rolls high-interest accounts into a unified lower-interest payment you’ll feel less pressure to maintain payments that only hit your minimum threshold and aren’t actually moving you away from debt.

●     Look Into Improving Your Debt-to-Credit Ratio

Your debt-to-credit ratio refers to the ratio between the amount of money you use on your credit account and the limit to which you can borrow.

The lower the ratio, the better for your credit score. Therefore, it may be beneficial if you increase your credit limit as to reduce your ratio. Of course, only do this if you can trust yourself not to be tempted into spending more.  Try to aim for below 10% if you can, but anything below 30% will be beneficial to maintaining a strong score. 

Any debt-to-credit ratio above 30% could stop you from securing the finance you need. By focusing responsibly on the debt you have you’ll be able to move towards a better score. Try creating a debt reduction plan to identify where you can save money upfront to divert to your larger debts.

According to entrepreneur Renee McDonald, a simple way to impact your credit score is to take out another line of credit but don’t use it, saying “while this strategy won’t reduce your debt, by adding available credit and not accessing it, this will increase the amount of credit you have available. This strategy requires discipline, but can help you improve your credit-to-debt ratio quickly if needed.”

●     Reduce Your Debt

Rather than just paying off the interest each month, try and pay as much as you can afford towards your debt repayments. Any bit extra that you can pay is good for your score as it shows you are making an effort to reduce your debt.

Once you have paid off your debt, put in strategies to prevent yourself from falling behind again. If you can, make sure to pay off your entire credit balance each month as to avoid incurring interest. 

For more information about how you can improve your credit score, have a chat with one of our consultants today.

Author Bio:

A Sydney-based university student, Ryan Smith is also a freelance writer. Ryan is a business student and is passionate about learning new things. You will see Ryan in a coffee shop enjoying his alone time when he is not on his desk.