Author Archives: Ashley Evans


“It’s hard to tell where we’re sitting in the commercial property market, but it’s safe to say it is an attractive time to consider buying your own property.”

AUTHOR: Ashley Evans

Never in my 32 years in the finance industry have I seen the stars align as they have right now. Between the lowest interest rates in history and the government grants on offer, it has never been a better time to consider purchasing property.

Whether you’re looking to invest in commercial space or considering making the move towards home ownership, the timing is right to take the plunge.

With interest rates so low commercial property is a very attractive proposition. Interest rates likely to be between 3-4% for commercial property at present, whether it is for owner occupiers or investors. People who are leasing their own commercial premises, in the under the million-dollar range are typically paying rent at a six or seven per cent capitalisation rate. With interest rates like to be between 3-4%, even when considering Council rates and insurances, the numbers will likely stack up in your favour to consider buying your own premises. Even from an Investment point of view the numbers are quite attractive as outlined above.

In recent years, with the market so volatile, commercial premises have also taken a hit in price which means it’s a good time to be buying. It’s hard to tell where we’re sitting in the commercial property market, but it’s safe to say it’s an attractive time to consider buying your own property.

The proof is in the pudding, with many AAA+ Financial clients who have recently taken the plunge already seeing the benefits for themselves. In my experience, nine times out of 10 if you take that calculated risk to purchase property, capital gains will be seen in the medium to long-term.

However, it’s not just commercial properties that are attractive purchases now, homeowners and homebuilders are seeing enormous gains when taking advantage of the wide variety of government stimulus that is currently up for grabs.

Between the First Home Buyer Grant $15,000, and First Home Loan Deposit Scheme providing a Government Guarantee of up 15% of the purchase price, assisting to remove the cost of Mortgage insurance (saving potentially of up to $17,000). The Home Builder Grant at $25,000, the Regional Buyer Grant at $5,000, some purchasers are seeing savings of up to $60,000 towards their first home.

While not every grant is going to work for every buyer, it is important to do your research about what is on offer because at the end of the day, every dollar counts.

So, if this is something you’ve been considering but are unsure where to start, come and have a chat with us at AAA+ Financial Solutions


ABOUT THE AUTHOR: Ash is an experienced lending manager, and agricultural specialist. Originally from Adelaide, he has had the pleasure of working with regional industries across Australia. Specifically, after taking an interest in North and Western Queensland, Ash co-founded the AAA Group and has played a fundamental role in the success of small business in the region. Throughout his 30-year career, Ash continues to cherish his wealth of professional relationships. Naturally, this has fueled his desire to connect remote business owners with the professional assistance they deserve.

New support available




The Queensland Government has announced a new Small Business Adaption Grant Program.

The objective of this program is to support small businesses subject to closure or highly impacted by the coronavirus (COVID-19) shutdown restrictions announced by the Queensland Government, to adapt and sustain their operations, and build resilience.

The program aims to see small and micro businesses:

  • prepare for the safe resumption of trading in the post COVID-19 recovery
  • access digital technologies to rebuild business operations and transition to a new way of doing business
  • respond to online opportunities, where possible, to sustain employment and maintain potential for longer-term growth
  • upskill and reskill business owners and staff to benefit from new technologies or business models
  • embrace business diversification to adapt and sustain operations
  • create or retain employment.

Available funding

The available grant amount is up to a maximum of $10,000 per eligible small or micro business.

In recognition of the significant impacts of COVID-19 on small businesses, the funding can be used towards the following:

  • financial, legal or other professional advice to support business sustainability and diversification
  • strategic planning, financial counselling or business coaching aligned to business development and diversification
  • building the business through marketing and communications activities, for example, content development (web pages, mobile apps, visual and audio media etc.)
  • digital/technological strategy development
  • digital training or re-training to adapt to new business models
  • capital costs associated with meeting COVID-19 SAFE requirements
  • specialised digital equipment or business specific software to move business operations online (e.g. logistics program for online ordering)
  • meeting business costs, including utilities, rent.

Note: Grant funds can also be used towards any of the above activities occurring from 23 March 2020 onwards, keeping in mind the project must be completed within a maximum of 6 months from the date of approval.

Once the program budget has been fully allocated, applications for the program will close. It is estimated that approximately 10,000 small businesses will be supported through this program.

Applying small and micro businesses must meet the eligibility and assessment criteria to be considered for funding.

Eligibility criteria

To be eligible, the business must:

  • have been subject to closure or otherwise highly impacted by current shutdown restrictions announced by Queensland’s Chief Health Officer on 23 March 2020
  • demonstrate that business revenue has been significantly impacted since 23 March 2020 over a minimum 1-month period due to the onset and management of COVID-19
  • employ staff and have fewer than 20 employees at the time of applying for the grant
  • have a valid Australian Business Number (ABN) active as at 23 March 2020
  • be registered for GST
  • have a Queensland headquarters
  • have an annual turnover over $75,000 for the last financial year
  • have a payroll of less than $1.3 million
  • not be insolvent or have owners/directors that are an undischarged bankrupt.

Only 1 application will be accepted from an individual ABN or a financial beneficiary of a business.

Successful applicants cannot reapply for funding under this grant program.

Applying for the grant

To apply, complete the following steps:

  1. read the eligibility criteria
  2. read the application guidelinesterms and conditions
  3. apply using the SmartyGrants link:

Apply now