Latest Articles from FinancePath

Check out the latest blog posts from FinancePath

Featured Articles

Image for Do you know how seasonal cash flow affects business loans?

27th July 2026

Do you know how seasonal cash flow affects business loans?

Understanding how lenders assess your business when income fluctuates throughout the year, and what that means for accessing working capital.

Image for How to Fund a Business Partnership Buyout

26th July 2026

How to Fund a Business Partnership Buyout

A structured approach to financing a partnership exit without compromising your business operations or personal financial position.

Image for 10 Ways Income and Employment Affect Your Home Loan

25th July 2026

10 Ways Income and Employment Affect Your Home Loan

Understanding how lenders assess your income and work situation can make the difference between approval and rejection for first home buyers.

Image for How to Use Property for Tax and Borrowing Advantage

24th July 2026

How to Use Property for Tax and Borrowing Advantage

Self-employed business owners can structure home loans to reduce tax, build equity, and improve borrowing capacity when buying or investing in property.

Business Loans

Image for Do you know how seasonal cash flow affects business loans?

27th July 2026

Do you know how seasonal cash flow affects business loans?

Understanding how lenders assess your business when income fluctuates throughout the year, and what that means for accessing working capital.

Image for How to Fund a Business Partnership Buyout

26th July 2026

How to Fund a Business Partnership Buyout

A structured approach to financing a partnership exit without compromising your business operations or personal financial position.

Image for Why Should You Consider Business Loans for Expansion?

23rd July 2026

Why Should You Consider Business Loans for Expansion?

How the right finance structure can fund growth without draining the working capital you need to keep operating day-to-day.

Image for Smart ways to approach start-up business loans

19th July 2026

Smart ways to approach start-up business loans

What self-employed business owners need to know about securing finance when launching a new venture in Australia

Home Loans

Image for 10 Ways Income and Employment Affect Your Home Loan

25th July 2026

10 Ways Income and Employment Affect Your Home Loan

Understanding how lenders assess your income and work situation can make the difference between approval and rejection for first home buyers.

Image for How to Use Property for Tax and Borrowing Advantage

24th July 2026

How to Use Property for Tax and Borrowing Advantage

Self-employed business owners can structure home loans to reduce tax, build equity, and improve borrowing capacity when buying or investing in property.

Image for The easiest way to afford your first home

21st July 2026

The easiest way to afford your first home

A practical look at how first home buyers across Melbourne and Australia are getting into the property market with smaller deposits.

Image for The Easiest Way to Understand Variable Rate Loans

20th July 2026

The Easiest Way to Understand Variable Rate Loans

How variable interest rates work on your home loan, what happens when rates change, and whether flexibility suits your buying plans

Image for The Easiest Way to Own Property as a Couple

16th July 2026

The Easiest Way to Own Property as a Couple

How joint ownership, tenants in common, and the right loan structure affect your borrowing power and protection when buying together

Image for How to Borrow for a Home in a School Zone

14th July 2026

How to Borrow for a Home in a School Zone

First-time investors often overlook how school zones affect property values, rental demand, and what lenders will actually approve.

Image for Renting vs Buying: When a Home Loan Makes Sense

13th July 2026

Renting vs Buying: When a Home Loan Makes Sense

Deciding between renting and buying depends on more than just affordability. Understanding how a home loan fits your circumstances helps you make the right call.

Image for Credit Score Impact and Home Loans: What You Need to Know

11th July 2026

Credit Score Impact and Home Loans: What You Need to Know

Your credit score affects whether you can borrow and how much you'll pay. For first home buyers on one income, understanding this connection matters.

Image for When to Research Property Before Applying for a Loan

2nd July 2026

When to Research Property Before Applying for a Loan

The right sequence matters when you're buying with a small deposit. Understanding loan capacity first shapes what you should be researching.

Image for Avoid These 7 Mistakes When Buying a Two Bedroom Investment

29th June 2026

Avoid These 7 Mistakes When Buying a Two Bedroom Investment

First-time property investors often overlook financing strategies that could save thousands and protect their portfolio from day one.

Image for How to Use Fixed Rate Loans at Different Life Stages

22nd June 2026

How to Use Fixed Rate Loans at Different Life Stages

Self-employed business owners face unique lending challenges, and choosing when to fix your rate depends on where you are in your business and property journey.

Image for Variable Rate Loans: Fees and Costs You Need to Know

18th June 2026

Variable Rate Loans: Fees and Costs You Need to Know

From application fees to offset account charges, understand the actual cost of your variable rate home loan beyond the interest rate.

Image for Fixed Rate Loans for Investors: Features and Trade-offs

7th June 2026

Fixed Rate Loans for Investors: Features and Trade-offs

Understanding how fixed rate features work for investment properties, from lock-in periods to limited offset access and what that means for your cash flow.

Image for Fixed Rate Loans & Extra Repayments: What to Know

30th May 2026

Fixed Rate Loans & Extra Repayments: What to Know

How fixed rate home loans handle extra repayments, the caps you'll encounter, and what it means for self-employed borrowers building equity.

First Home Buyers

Image for Avoid These 3 Mistakes with Multiple Offset Accounts

22nd July 2026

Avoid These 3 Mistakes with Multiple Offset Accounts

Multiple offset accounts can help first home buyers organise their finances, but only if they're set up correctly from the start.

Image for Everything You Need to Know About Buying a 3-Bedroom Home

17th July 2026

Everything You Need to Know About Buying a 3-Bedroom Home

A practical guide for single-income first home buyers in Melbourne and across Australia looking to purchase a three-bedroom property.

Image for What Not to Do When Hunting for Your First Property

8th July 2026

What Not to Do When Hunting for Your First Property

Practical techniques to find the right property without derailing your loan approval or paying more than you need to

Image for Simple hacks to buy a duplex as your first home

28th June 2026

Simple hacks to buy a duplex as your first home

A duplex offers rental income from day one, but lenders assess it differently. Here's what self-employed first home buyers need to know.

Image for When to Start Preparing Your First Home Purchase

9th June 2026

When to Start Preparing Your First Home Purchase

Self-employed buyers face different lending hurdles than wage earners, but understanding what lenders need before you start looking saves months of delays.

Image for Unlock the Secrets to Fixed, Variable & Split Loans

8th June 2026

Unlock the Secrets to Fixed, Variable & Split Loans

Learn how each loan type works and how to choose the right structure for your first home without overpaying or locking yourself in.

Image for What Are the Steps for First Home Buyer Planning?

5th June 2026

What Are the Steps for First Home Buyer Planning?

How to prepare your finances and strategy before you start looking at properties, including deposit options and government schemes.

Development Finance

Image for 10 Things to Know When Buying an Industrial Site

18th July 2026

10 Things to Know When Buying an Industrial Site

Purchasing an industrial development site requires different finance structures than residential property. Learn what lenders assess and how to structure your loan.

Image for What Are Development Finance Loans for Unit Sites?

12th July 2026

What Are Development Finance Loans for Unit Sites?

How property development finance works when you're buying a site to subdivide or build units, including deposits, approvals, and what lenders look for.

SMSF Loans

Image for Capital Works Under SMSF Loans & What You Can't Fund

15th July 2026

Capital Works Under SMSF Loans & What You Can't Fund

Borrowing through your super fund comes with strict rules about improvements and renovations that catch many property investors by surprise.

Image for Proven Tips to Navigate SMSF Business Property Rules

13th July 2026

Proven Tips to Navigate SMSF Business Property Rules

The sole purpose test and business real property definition determine whether your self-managed super fund can borrow to buy commercial premises or lease to your own business.

Image for Top 10 Ways to Buy a Storage Facility with Your SMSF

29th May 2026

Top 10 Ways to Buy a Storage Facility with Your SMSF

Using your super to purchase a commercial storage facility means navigating specific borrowing rules, lender criteria, and tax structures that differ significantly from residential investment.

Construction Loans

Image for Unlock the secrets to Construction Loan Monitoring

9th July 2026

Unlock the secrets to Construction Loan Monitoring

Understanding how progress inspections and drawdown schedules protect your build budget and keep lenders confident throughout your construction journey.

Image for The Easiest Way to Fund a Duplex Development

3rd July 2026

The Easiest Way to Fund a Duplex Development

How self-employed business owners structure construction finance for two-dwelling projects without stalling cash flow or draining working capital

Image for When to Use a Construction Loan for Your Build

30th June 2026

When to Use a Construction Loan for Your Build

How building project funding works for Melbourne couples planning a custom home, renovation or house and land package

Image for When to Use Progressive Drawdown for Construction

24th June 2026

When to Use Progressive Drawdown for Construction

Understanding how construction loans release funds in stages can help first-time investors build new property without paying interest on money they haven't used yet.

Image for Understanding the basics of Construction Loan Structures

23rd June 2026

Understanding the basics of Construction Loan Structures

How progressive drawdown works, what you pay interest on, and the structure that fits your build when you're getting started with a smaller deposit.

Image for What Not to Overlook When Building Your Dream Home

15th June 2026

What Not to Overlook When Building Your Dream Home

Construction finance works differently to a standard home loan, and knowing what to expect can save first home buyers thousands in unexpected costs.

Image for Everything You Need to Know About Construction Loan Risks

2nd June 2026

Everything You Need to Know About Construction Loan Risks

Understanding what can go wrong when building your first home and how to protect yourself from cost blowouts and settlement delays.

Investment Loans

Image for When to Weigh Property Values vs Interest Rate Shifts

7th July 2026

When to Weigh Property Values vs Interest Rate Shifts

Understanding how rate changes and purchase price interact affects timing, borrowing power, and long-term returns on investment property.

Image for Do you know which property type suits your first investment?

5th July 2026

Do you know which property type suits your first investment?

Unit, house or townhouse - the property type you choose shapes your borrowing power, rental return and long-term strategy as a first-time investor.

Image for Avoid These 7 Mistakes When Taking Out an Investment Loan

4th July 2026

Avoid These 7 Mistakes When Taking Out an Investment Loan

Learn how first-time property investors can secure finance for a rental property without common pitfalls that delay approval or limit borrowing power.

Image for Unlock the Secrets to Investment Property Deposits

26th June 2026

Unlock the Secrets to Investment Property Deposits

How much you need to save, where it needs to come from, and what lenders actually check when you apply for your first investment loan.

Image for Investment Loan Comparison: Avoid These 5 Mistakes

20th June 2026

Investment Loan Comparison: Avoid These 5 Mistakes

Choosing the wrong investment loan can cost you thousands in unnecessary interest and limit your ability to grow a property portfolio over time.

Image for Why Variable Rate Investment Loans Could Work for You

19th June 2026

Why Variable Rate Investment Loans Could Work for You

Understanding variable rate features and how they affect your property investment strategy, especially when starting with a smaller deposit.

Image for Simple hacks to buy an investment property in Australia

17th June 2026

Simple hacks to buy an investment property in Australia

Your clear guide to securing an investment loan when you're ready to buy your first rental property together as a couple.

Image for Top Tips to Navigate Property Investment Challenges

14th June 2026

Top Tips to Navigate Property Investment Challenges

Self-employed investors face unique hurdles when building a property portfolio, from income verification to complex tax structures and borrowing capacity limits.

Image for Variable Investment Loans and Budget Changes

11th June 2026

Variable Investment Loans and Budget Changes

How recent tax reforms affect variable rate investor lending for single-income earners looking to build wealth through property

Image for Proven Tips to Maximise Rental Yield on Investment Loans

3rd June 2026

Proven Tips to Maximise Rental Yield on Investment Loans

How first-time property investors can assess rental returns, calculate true yield, and structure finance to build long-term wealth through investment property.

Image for Smart ways to approach investment risk assessment

31st May 2026

Smart ways to approach investment risk assessment

Understanding how lenders evaluate risk can shape your entire approach to buying an investment property and borrowing what you need.

Image for Simple hacks to compare investment loans as a first buyer

28th May 2026

Simple hacks to compare investment loans as a first buyer

How to weigh up loan options when you're entering the property market on a single income and buying to invest

Commercial Property Finance

Image for Top tips to finance a commercial off-the-plan property

6th July 2026

Top tips to finance a commercial off-the-plan property

Understand how deposit timing, pre-settlement valuations, and cashflow projections work when buying a commercial property before it's built.

Image for The Pros and Cons of Commercial Property Investment

27th June 2026

The Pros and Cons of Commercial Property Investment

What first home buyers with small deposits need to understand before considering commercial property as an alternative investment strategy.

Image for What are Owner-Occupied Commercial Property Loans?

16th June 2026

What are Owner-Occupied Commercial Property Loans?

How financing your business premises differs from investment property loans, and what you need to know before applying for owner-occupied commercial finance.

Image for When to Use Strata for Your Commercial Purchase

10th June 2026

When to Use Strata for Your Commercial Purchase

Understanding how commercial strata finance differs from residential lending and what lenders look for when you're buying an office or warehouse unit

Image for Common Mistakes When Refinancing Commercial Property

6th June 2026

Common Mistakes When Refinancing Commercial Property

How refinancing your commercial property loan could unlock better terms, reduce costs, and free up working capital for your business.

Car Loans

Image for Common Mistakes When Buying a Sports Car on Finance

1st July 2026

Common Mistakes When Buying a Sports Car on Finance

If you're a single income first home buyer, taking on a sports car loan could seriously impact your property plans.

Refinancing

Image for Simple hacks to refinance without settlement delays

25th June 2026

Simple hacks to refinance without settlement delays

What actually happens between approval and settlement when you refinance, and how to avoid the delays that catch single-income borrowers off guard

Image for Simple hacks to calculate home equity for refinancing

21st June 2026

Simple hacks to calculate home equity for refinancing

Understanding your usable equity helps you make informed decisions about accessing funds, switching lenders, or upgrading your property without guesswork.

Image for Unlock the secrets to refinancing and consolidating debt

13th June 2026

Unlock the secrets to refinancing and consolidating debt

How rolling personal loans, credit cards, and car finance into your mortgage can reshape your cashflow when you're preparing to buy your first home

Image for Beginner's guide to refinancing for a lower rate

12th June 2026

Beginner's guide to refinancing for a lower rate

How first-time property investors can reduce their interest rate through refinancing and what to consider before making the switch

Private Funding

Image for Why Private Funding Works for Complex Deals

4th June 2026

Why Private Funding Works for Complex Deals

When your property transaction doesn't fit the bank's checklist, private funding offers the speed and flexibility self-employed buyers need to close the deal.

Image for Private Funding & What Not to Do for Off-Market Buys

1st June 2026

Private Funding & What Not to Do for Off-Market Buys

How first home buyers with small deposits can access off-market properties using private finance without derailing their purchase

Recent Articles

Image for Fixed Rate Loans: The Pros and Cons for First Home Buyers

27th May 2026

Fixed Rate Loans: The Pros and Cons for First Home Buyers

How to decide between locking in your rate and keeping flexibility when buying your first property together in Melbourne or anywhere in Australia.

Image for How to Refinance to a Lower Interest Rate

26th May 2026

How to Refinance to a Lower Interest Rate

A practical guide for self-employed business owners looking to reduce their home loan rate and improve cash flow without unnecessary complexity.

Image for Do You Know What Loan Costs Actually Add Up To?

25th May 2026

Do You Know What Loan Costs Actually Add Up To?

Understanding upfront fees, ongoing charges, and hidden costs before you commit to your first investment property loan.

Image for When to Expect Fees on Your Business Loan

24th May 2026

When to Expect Fees on Your Business Loan

Understanding the upfront and ongoing charges that apply when you borrow for your business, and how they affect what you actually pay.

Image for When to Refinance & How the Approval Process Works

23rd May 2026

When to Refinance & How the Approval Process Works

What to expect when refinancing your home loan, from application through to settlement, and how approval requirements differ from your original loan

Image for Common Mistakes When Financing Office Space

22nd May 2026

Common Mistakes When Financing Office Space

How self-employed business owners can secure the right commercial loan for office space without the usual pitfalls and delays

Image for Avoid These 5 Location Mistakes When Choosing a Home Loan

21st May 2026

Avoid These 5 Location Mistakes When Choosing a Home Loan

How property location affects your borrowing power, interest rates, and loan features when investing for the first time

Image for What Are Deposit Requirements for a Home Loan?

20th May 2026

What Are Deposit Requirements for a Home Loan?

Understanding how much deposit you need, where it can come from, and what options exist when saving the full 20% feels out of reach.

Image for How to Buy Commercial Property with Your SMSF

19th May 2026

How to Buy Commercial Property with Your SMSF

A straightforward guide to using your self-managed super fund to purchase commercial property, including how the loan works and what you need to know.

Image for How to Finance a Custom Home Build in Australia

18th May 2026

How to Finance a Custom Home Build in Australia

Understanding construction finance when you're ready to build your dream home with a fixed price building contract and progressive drawdown structure.

Image for Property Valuation: What It Means for Your Home Loan

17th May 2026

Property Valuation: What It Means for Your Home Loan

Understanding how lenders value your property can change what you borrow, what you pay, and whether your application succeeds.

Image for Mortgage Refinancing: What First-Time Investors Need to Know

16th May 2026

Mortgage Refinancing: What First-Time Investors Need to Know

Refinancing can unlock equity, reduce your rate, or improve cash flow. Here's how to know when it's right for your investment property.

Image for Bridging Loans for Emergency Property Purchases

15th May 2026

Bridging Loans for Emergency Property Purchases

When you need to act quickly on a property opportunity, bridging finance can help you buy before you sell.

Image for How to Refinance Your Home to Fund a Business

14th May 2026

How to Refinance Your Home to Fund a Business

Accessing property equity could provide the capital injection your business needs without selling assets or taking on high-interest debt.

Image for Hybrid Car Loans: How Self-Employed Buyers Can Finance

13th May 2026

Hybrid Car Loans: How Self-Employed Buyers Can Finance

Understanding your borrowing options as a business owner looking to purchase a hybrid vehicle through car finance in Australia

Image for Commercial Property Valuations and Your Loan

12th May 2026

Commercial Property Valuations and Your Loan

What lenders look for when assessing commercial property value, and how it affects the loan amount you can access for your business purchase.

Image for How Income & Employment Affect Your Home Loan Application

11th May 2026

How Income & Employment Affect Your Home Loan Application

Understanding how lenders assess your employment status and income is the first step to knowing what you can borrow and which loan products suit your situation.

Image for How Economic Factors Affect Your Investment Home Loan

10th May 2026

How Economic Factors Affect Your Investment Home Loan

Understanding the real forces behind interest rates, borrowing capacity and lender appetite helps first time property investors make informed decisions.

Image for Can I Afford to Buy a House in Melbourne?

9th May 2026

Can I Afford to Buy a House in Melbourne?

Understanding what you can genuinely afford starts with working out how lenders see your finances, not just how much deposit you've saved.

Image for First Home Buyer Support: What Self-Employed Buyers Need

8th May 2026

First Home Buyer Support: What Self-Employed Buyers Need

When your income doesn't come from a payslip, understanding the support available and how to access it changes the path to your first property.

Image for Bridging Loans: How to Buy an Investment Property First

7th May 2026

Bridging Loans: How to Buy an Investment Property First

You've found the right investment property, but your current home hasn't sold yet. A bridging loan lets you move forward without waiting.

Image for Business Loans to Improve Your Cash Flow Without Delay

6th May 2026

Business Loans to Improve Your Cash Flow Without Delay

Running short on working capital can feel overwhelming, but the right business loan structure can stabilise your cash position and create breathing room when you need it most.

Image for When to Use a Business Loan to Purchase a Restaurant

5th May 2026

When to Use a Business Loan to Purchase a Restaurant

Thinking about buying a restaurant together? Understanding how business finance works for this kind of purchase can shape whether your new venture starts strong or struggles.

Image for Commercial Loan Terms You Should Understand

4th May 2026

Commercial Loan Terms You Should Understand

From loan structures to repayment options, knowing the language of commercial property finance helps you make confident decisions as a first-time investor.

Image for Business Loan Fees and Charges: What You'll Actually Pay

3rd May 2026

Business Loan Fees and Charges: What You'll Actually Pay

Understanding the upfront costs, ongoing fees, and hidden charges that come with commercial lending can save your business thousands of dollars.

Image for Pre-Purchase Planning: What to Do Before You Apply

2nd May 2026

Pre-Purchase Planning: What to Do Before You Apply

The months before your first home loan application matter more than the application itself. Small decisions now shape what you can borrow and how much you'll pay.

Image for Investment Loans for Apartments: What You Need to Know

1st May 2026

Investment Loans for Apartments: What You Need to Know

Thinking about buying your first investment apartment on a single income? Here's what matters when it comes to securing finance and building wealth through property.

Image for Refinancing to Change Your Home Loan Terms

30th April 2026

Refinancing to Change Your Home Loan Terms

You're not stuck with the loan terms you started with. Here's how changing them through refinancing could reshape your financial position.

Image for Understanding Refinancing Settlement Procedures

29th April 2026

Understanding Refinancing Settlement Procedures

The settlement phase of refinancing can feel uncertain, especially when you're managing a business and income fluctuates. Here's what actually happens.

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