Latest Articles from FinancePath

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Featured Articles

Image for Do you know how pharmacy building loans work?

26th September 2026

Do you know how pharmacy building loans work?

A secured business loan can help first-time property investors purchase a pharmacy building, with the property itself used as collateral against the loan amount.

Image for Unlock the secrets to self-employed home loans

25th September 2026

Unlock the secrets to self-employed home loans

What lenders actually look for when you apply, how to present your income correctly, and why traditional payslips aren't the only way in.

Image for Simple hacks to unlock variable rate loan features

24th September 2026

Simple hacks to unlock variable rate loan features

The offset account, redraw facility, and extra repayment features on your variable rate loan can help you build equity faster and keep your options open.

Image for The Pros and Cons of Buying on a Single Income

23rd September 2026

The Pros and Cons of Buying on a Single Income

How single-income buyers in Melbourne are entering the market with smaller deposits, government support, and focused budgeting.

Business Loans

Image for Do you know how pharmacy building loans work?

26th September 2026

Do you know how pharmacy building loans work?

A secured business loan can help first-time property investors purchase a pharmacy building, with the property itself used as collateral against the loan amount.

Image for Everything You Need to Know About Warehouse Loans

28th August 2026

Everything You Need to Know About Warehouse Loans

Purchasing a warehouse facility requires different finance to residential property, with loan structures built around business cashflow and commercial valuations.

Image for Smart Ways to Finance a Manufacturing Facility Purchase

28th July 2026

Smart Ways to Finance a Manufacturing Facility Purchase

Understanding commercial lending options when you're buying a manufacturing property, from loan structure through to settlement and beyond.

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 Unlock the secrets to self-employed home loans

25th September 2026

Unlock the secrets to self-employed home loans

What lenders actually look for when you apply, how to present your income correctly, and why traditional payslips aren't the only way in.

Image for Simple hacks to unlock variable rate loan features

24th September 2026

Simple hacks to unlock variable rate loan features

The offset account, redraw facility, and extra repayment features on your variable rate loan can help you build equity faster and keep your options open.

Image for Top tips to meet serviceability on one income

18th September 2026

Top tips to meet serviceability on one income

What lenders actually look at when you're buying on a single income, and how to position yourself to borrow what you need.

Image for Top Strategies to Purchase a Home with Outdoor Space

16th September 2026

Top Strategies to Purchase a Home with Outdoor Space

Self-employed buyers across Melbourne and Australia can secure a home with a backyard, balcony or courtyard when structure and documentation meet lender requirements.

Image for What are Home Loans for Buying Closer to Family?

15th September 2026

What are Home Loans for Buying Closer to Family?

How first home buyers with a small deposit can use government schemes and smart loan structures to move closer to the people who matter most.

Image for Top Strategies to Secure a Home Loan as Self-Employed

11th September 2026

Top Strategies to Secure a Home Loan as Self-Employed

What self-employed business owners in Melbourne need to know about proving income, structuring applications, and getting approved for owner-occupied home loans.

Image for Top tips to buy a house together as a couple

9th September 2026

Top tips to buy a house together as a couple

What first home buyers need to know about joint borrowing, structuring deposits, and preparing a home loan application that works for both of you.

Image for Top Strategies to Use Home Loan Features as an Investor

8th September 2026

Top Strategies to Use Home Loan Features as an Investor

Understanding offset accounts, split loans, and rate structures can change the way your investment property performs from day one.

Image for Variable Rate Loans & Offset Accounts Explained

7th September 2026

Variable Rate Loans & Offset Accounts Explained

Understanding how variable rate home loans and offset accounts work together can save you thousands in interest over the life of your loan.

Image for Proven Tips to Use Offset Accounts for Investment Loans

4th September 2026

Proven Tips to Use Offset Accounts for Investment Loans

First-time investors often overlook how offset accounts can reduce interest and preserve flexibility without triggering tax complications on their investment property loans.

Image for Why Self-Employed Borrowers Should Compare Home Loans

2nd September 2026

Why Self-Employed Borrowers Should Compare Home Loans

Self-employed borrowers face different lending hurdles, but access to the same home loan features and competitive rates as PAYG applicants.

Image for Simple hacks to prepare loan documents for first home buyers

1st September 2026

Simple hacks to prepare loan documents for first home buyers

What you need to gather before applying, how to organise it, and why getting it right makes approval faster and less stressful.

Image for Common Mistakes When Buying Vacant Land With a Loan

30th August 2026

Common Mistakes When Buying Vacant Land With a Loan

First-time investors often underestimate the financing challenges that come with purchasing vacant land compared to established property or house-and-land packages.

Image for The Highs and Lows of Current Interest Rates

29th August 2026

The Highs and Lows of Current Interest Rates

How to know if your rate is genuinely high, what it means for your repayments, and when switching lenders makes sense for first home buyers.

Image for Common Mistakes When Choosing Property Ownership

24th August 2026

Common Mistakes When Choosing Property Ownership

How first home buyers can structure property ownership to protect their deposit, maximise borrowing capacity, and avoid costly mistakes down the track.

Image for Top tips to speed up your home loan approval process

20th August 2026

Top tips to speed up your home loan approval process

First home buyers with smaller deposits need to understand how long approval takes and what actually affects the timeline from application to settlement.

Image for Beginner's Guide to Calculating Borrowing Capacity

19th August 2026

Beginner's Guide to Calculating Borrowing Capacity

Understanding how much you can borrow helps you search for properties within reach and avoid disappointment during the application process.

Image for Avoid These 7 Mistakes When Buying Investment Property

17th August 2026

Avoid These 7 Mistakes When Buying Investment Property

First time property investors often stumble on loan structure and lender choice decisions that cost thousands in avoidable interest and limit future growth.

Image for What are Home Loan Deposit Requirements for Self Employed?

15th August 2026

What are Home Loan Deposit Requirements for Self Employed?

How much you need to save and what lenders actually want to see when you're running your own business

Image for Simple hacks to get approved for apartments vs houses

14th August 2026

Simple hacks to get approved for apartments vs houses

Lenders assess apartments and houses differently, which affects how much you can borrow and what deposit you'll need when buying together.

Image for Upgrading Your Home: The Pros and Cons of Timing

13th August 2026

Upgrading Your Home: The Pros and Cons of Timing

When you're ready to upgrade your family home on a single income, timing and loan structure matter more than you think.

Image for Smart ways to approach housing affordability

12th August 2026

Smart ways to approach housing affordability

Practical strategies for first home buyers working with a small deposit to achieve home ownership without waiting years to save more

Image for Timing the Market: What Not to Do with Home Loans

2nd August 2026

Timing the Market: What Not to Do with Home Loans

Why waiting for the perfect rate usually costs more than choosing a loan that works now and adjusting later

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.

First Home Buyers

Image for The Pros and Cons of Buying on a Single Income

23rd September 2026

The Pros and Cons of Buying on a Single Income

How single-income buyers in Melbourne are entering the market with smaller deposits, government support, and focused budgeting.

Image for Avoid These Saving Mistakes as a First Home Buyer

5th September 2026

Avoid These Saving Mistakes as a First Home Buyer

How couples buying together can build a deposit without losing momentum, missing opportunities, or overpaying for their first home.

Image for Simple hacks to prepare your deposit as a business owner

21st August 2026

Simple hacks to prepare your deposit as a business owner

Self-employed borrowers face different income assessment rules when buying property. These practical steps help you build a deposit and structure your application correctly.

Image for The Pros and Cons of Variable Rate Loans and Offset Accounts

16th August 2026

The Pros and Cons of Variable Rate Loans and Offset Accounts

How variable rate loans and offset accounts work together to give first home buyers control over repayments and the flexibility to pay less interest over time.

Image for Simple hacks to save thousands on your first home loan

10th August 2026

Simple hacks to save thousands on your first home loan

Choosing a variable rate as a first home buyer gives you flexibility, but only if you structure it properly from day one.

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

Commercial Property Finance

Image for Beginner's Guide to Commercial Strata Finance

22nd September 2026

Beginner's Guide to Commercial Strata Finance

Buying a commercial strata unit requires different finance to residential property, with distinct rules around deposits, lending criteria and loan structure.

Image for The Pros and Cons of Buying an Office Building

21st September 2026

The Pros and Cons of Buying an Office Building

What first-time commercial investors need to know about office property finance, from deposit requirements to tenant considerations and loan structure.

Image for Beginner's Guide to Commercial Property Finance

12th September 2026

Beginner's Guide to Commercial Property Finance

A practical walkthrough of how commercial property loans work for first-time investors, from deposit requirements to rental income assessments.

Image for Top tips to finance commercial property expansion

31st August 2026

Top tips to finance commercial property expansion

Understand how to structure your loan application when you're looking to expand your business premises or add to your commercial holdings.

Image for Avoid These 5 Mistakes When Buying Retail Property

18th August 2026

Avoid These 5 Mistakes When Buying Retail Property

Commercial property finance works differently to home loans, and the wrong approach can cost you the deal or thousands in unnecessary interest.

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.

Refinancing

Image for Top tips to switch from variable to fixed rate

20th September 2026

Top tips to switch from variable to fixed rate

How self-employed business owners can lock in rate certainty when refinancing, and what the application process actually involves.

Image for Refinance Cashback Offers: The Pros and Cons

9th August 2026

Refinance Cashback Offers: The Pros and Cons

How cashback incentives work when refinancing your home loan, what to watch for, and whether they make financial sense for single-income buyers.

Image for Simple hacks to consolidate debt into your home loan

8th August 2026

Simple hacks to consolidate debt into your home loan

How self-employed business owners can roll high-interest debt into their mortgage, reduce repayments, and improve cashflow without extending unnecessary risk.

Image for The Easiest Way to Refinance and Change Your Payment Schedule

7th August 2026

The Easiest Way to Refinance and Change Your Payment Schedule

Switching lenders can help you access a lower rate and adjust how often you make repayments to suit your cash flow.

Image for Smart ways to calculate home equity for refinancing

31st July 2026

Smart ways to calculate home equity for refinancing

Understanding how much equity you hold in your property helps you assess refinancing options and access funds when you need them.

Image for Avoid these Refinancing Mistakes When Switching to Fixed

30th July 2026

Avoid these Refinancing Mistakes When Switching to Fixed

How to lock in your rate without overpaying or getting stuck with the wrong loan structure for your situation

Investment Loans

Image for Smart Ways to Approach Your First Investment Property

19th September 2026

Smart Ways to Approach Your First Investment Property

How first home buyers with limited savings can start building wealth through property investment, even while renting themselves

Image for Proven Tips to Build a Property Portfolio on a Small Deposit

10th September 2026

Proven Tips to Build a Property Portfolio on a Small Deposit

How first home buyers in Melbourne can use investor loans strategically to grow wealth, even when starting with limited savings and modest equity.

Image for Avoid These 7 Investment Property Challenges

11th August 2026

Avoid These 7 Investment Property Challenges

From borrowing limits to tax changes, understand the practical hurdles first-time property investors face and how to work through them.

Image for Investment Loans: What Not to Assume Before You Buy

6th August 2026

Investment Loans: What Not to Assume Before You Buy

The borrowing rules, tax changes and strategy fundamentals couples need to understand before stepping into property investment for the first time.

Image for What are Investment Loans for Student Accommodation?

4th August 2026

What are Investment Loans for Student Accommodation?

A clear guide to financing purpose-built student housing, understanding the lending differences, and whether this asset class suits your first investment.

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.

Commercial Loans

Image for Top Strategies to Finance a Logistics Hub Purchase

17th September 2026

Top Strategies to Finance a Logistics Hub Purchase

How commercial property loans work for warehouse and distribution centre purchases, with practical advice for structuring the right facility.

Image for Smart ways to approach childcare centre purchases

25th August 2026

Smart ways to approach childcare centre purchases

How commercial property loans work for first-time investors buying childcare centres, with practical insights on structure, deposits, and what lenders actually assess.

Image for Top tips to finance office space for your business

3rd August 2026

Top tips to finance office space for your business

If you're buying commercial property for your business, understanding how office space financing differs from residential loans can save you time and money.

Bridging Loans

Image for Proven tips to buy before you sell with bridging finance

14th September 2026

Proven tips to buy before you sell with bridging finance

How bridging loans help single-income first home buyers secure their next property without the pressure of selling first

Image for Top Strategies to Secure Emergency Property Finance

5th August 2026

Top Strategies to Secure Emergency Property Finance

When you need to move quickly on a property purchase, bridging finance can help you buy before you sell your current home.

Private Funding

Image for Quick ways to fund a fast settlement property

13th September 2026

Quick ways to fund a fast settlement property

When you need to settle in weeks instead of months, private funding can bridge the gap between opportunity and approval timelines.

Construction Loans

Image for Avoid these Custom Home Finance Mistakes

6th September 2026

Avoid these Custom Home Finance Mistakes

How self-employed borrowers can secure construction finance for a custom home project without the common pitfalls that delay approval or inflate costs.

Image for Unlock the secrets to funding your building project

3rd September 2026

Unlock the secrets to funding your building project

How construction loans work for first home buyers with a small deposit looking to build their dream home in Melbourne and beyond

Image for What are Construction Loans for Apartment Land?

27th August 2026

What are Construction Loans for Apartment Land?

Understand how construction funding works when you're purchasing land to build apartments, from application through to progressive drawdown.

Image for Proven Tips to Prepare Your Construction Loan Application

23rd August 2026

Proven Tips to Prepare Your Construction Loan Application

Getting your documentation and planning right before you apply can make the difference between a smooth approval and months of delays.

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

Development Finance

Image for Simple hacks to fund a redevelopment site purchase

26th August 2026

Simple hacks to fund a redevelopment site purchase

Buying a property to knock down and rebuild or subdivide requires different finance than a standard home loan, and understanding these differences can save you months of delays.

Image for Why Should You Consider Subdivision Finance for Your Project

29th July 2026

Why Should You Consider Subdivision Finance for Your Project

How development finance works when purchasing a subdivision project, with practical insights for self-employed business owners navigating their first development loan.

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 Understanding the basics of SMSF property loans

22nd August 2026

Understanding the basics of SMSF property loans

How Limited Recourse Borrowing Arrangements work for Self-Managed Super Funds investing in property, including the 2026 changes to residential borrowing rules

Image for What are SMSF Loans & Can You Buy a House?

1st August 2026

What are SMSF Loans & Can You Buy a House?

New laws restrict using your super to borrow for residential property, but existing arrangements and commercial purchases remain unaffected.

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.

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.

Recent Articles

Image for September Newsletter: Melbourne's Market Has Reset. Here's What That Means for You.

17th September 2026

September Newsletter: Melbourne's Market Has Reset. Here's What That Means for You.

A Perspective from Chris & Mark

Image for August Newsletter: What We're Seeing in Residential Lending Right Now

20th August 2026

August Newsletter: What We're Seeing in Residential Lending Right Now

A Perspective from Mark & Chris

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