Xero offers your business a simple, yet powerful, way to manage all your finances in the cloud. With Xero as your core finance system, you get real control over every element of running your business, from basic bookkeeping right through to efficient online invoicing, live bank feeds and detailed financial reporting. Helping you run your business Xero is also a fully functioning business platform, with an open architecture that lets you plug in online payment solutions, time-tracking apps or job-management tools. So whatever sector you’re in, there’s a range of apps to customise your Xero system. With Xero as your cloud platform you get: A mobile way to check your numbers 24/7 – with online

One of the most frustrating things that could happen to a homebuyer is getting your application for finance declined. By this stage, you’ve already likely been to dozens of home opens, organised all your paperwork and potentially even put an offer in on a house. Falling over at the last hurdle is not only frustrating, but it can also feel like your dreams are over. But they don’t have to be, and more importantly, there are a few things you can do to make sure your loan application doesn’t get declined. Borrowing Amount The more you’re looking to borrow from a lender, the more risk it presents to them. If you want to borrow more than 95%, that can be a red flag for a lender. Most banks like t