Latest Articles from FinancePath

Check out the latest blog posts from FinancePath

Featured Articles

Image for Why Should You Plan Early for a Multi-Unit Build Loan?

5th November 2026

Why Should You Plan Early for a Multi-Unit Build Loan?

A plain-English look at how construction finance works when you build more than one home on a single income.

Image for When Commercial Loan Risks Outweigh the Rewards

4th November 2026

When Commercial Loan Risks Outweigh the Rewards

A plain-English look at the risks self-employed owners face with commercial loans, and how to weigh them before you sign.

Image for Top 10 Ways to Fund Your Renovation with a Home Loan

3rd November 2026

Top 10 Ways to Fund Your Renovation with a Home Loan

How first home buyers can access the equity and lending options they need to renovate without breaking the budget

Image for Everything You Need to Know About Land Purchase Loans

2nd November 2026

Everything You Need to Know About Land Purchase Loans

How construction finance works when you're buying land to build apartments, and what first home buyers with smaller deposits need to understand.

Construction Loans

Image for Why Should You Plan Early for a Multi-Unit Build Loan?

5th November 2026

Why Should You Plan Early for a Multi-Unit Build Loan?

A plain-English look at how construction finance works when you build more than one home on a single income.

Image for Everything You Need to Know About Land Purchase Loans

2nd November 2026

Everything You Need to Know About Land Purchase Loans

How construction finance works when you're buying land to build apartments, and what first home buyers with smaller deposits need to understand.

Image for Top Strategies to Manage Construction Loan Fees

26th October 2026

Top Strategies to Manage Construction Loan Fees

Understanding the fee structure on a construction loan helps first-time investors budget accurately and avoid surprises during the build process.

Image for Beginner's Guide to Construction Loan Approval

24th October 2026

Beginner's Guide to Construction Loan Approval

Getting approval to build your first home on a single income involves different criteria than a standard home loan, and knowing what lenders assess upfront will save you months of delays.

Image for Knockdown Rebuild Finance: The Pros and Cons

22nd October 2026

Knockdown Rebuild Finance: The Pros and Cons

Understanding construction loans for knockdown rebuild projects and what first-time property investors need to know before committing to this strategy.

Image for Top tips to finance land for house construction

20th October 2026

Top tips to finance land for house construction

A clear breakdown of how construction loans work when you're buying land and building on a single income across Australia.

Image for What are Construction Loan Features?

17th October 2026

What are Construction Loan Features?

Understand how progressive drawdowns, interest charges, and flexible repayment options work when financing your first investment property build.

Image for Top 10 Ways to Fund Land for Apartment Construction

9th October 2026

Top 10 Ways to Fund Land for Apartment Construction

How construction finance works when you're planning to build multiple dwellings on a Melbourne block you're about to purchase

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.

Commercial Loans

Image for When Commercial Loan Risks Outweigh the Rewards

4th November 2026

When Commercial Loan Risks Outweigh the Rewards

A plain-English look at the risks self-employed owners face with commercial loans, and how to weigh them before you sign.

Image for Understanding the Basics of Buying a Hospitality Venue

27th September 2026

Understanding the Basics of Buying a Hospitality Venue

A practical guide to commercial finance for purchasing your first pub, cafe, or restaurant in Australia

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.

Home Loans

Image for Top 10 Ways to Fund Your Renovation with a Home Loan

3rd November 2026

Top 10 Ways to Fund Your Renovation with a Home Loan

How first home buyers can access the equity and lending options they need to renovate without breaking the budget

Image for Beginner's Guide to Upgrading Your Family Home

21st October 2026

Beginner's Guide to Upgrading Your Family Home

What you need to know about moving from your first home to a bigger property, including deposit requirements and loan options.

Image for Understanding the basics of buying a larger home

18th October 2026

Understanding the basics of buying a larger home

How couples can structure their home loan when moving from a starter property to a family home with more space

Image for Top Strategies to Save for a Home Loan Deposit

14th October 2026

Top Strategies to Save for a Home Loan Deposit

Practical advice for first home buyers in Melbourne working with a small deposit to get into the property market sooner.

Image for When to Read Your Home Loan Terms & Conditions

11th October 2026

When to Read Your Home Loan Terms & Conditions

Understanding your loan contract before you sign can prevent costly surprises and help you choose the right product for your business cash flow and growth plans.

Image for Unlock the secrets to property prices and interest rates

6th October 2026

Unlock the secrets to property prices and interest rates

How rising and falling home loan interest rates shape what you can borrow, what properties cost, and when timing matters for first home buyers.

Image for Smart ways to approach home loan repayments

1st October 2026

Smart ways to approach home loan repayments

Repayment strategies that help first home buyers reduce interest, build equity faster, and create flexibility when life changes direction.

Image for Top Strategies to Buy Your First Investment Property

30th September 2026

Top Strategies to Buy Your First Investment Property

A practical guide for first-time property investors in Melbourne and across Australia covering loan structure, deposit options, and avoiding common pitfalls.

Image for Family Loan Agreements: The Pros and Cons

28th September 2026

Family Loan Agreements: The Pros and Cons

How a written family loan agreement protects both parents and first home buyers when borrowing deposit funds or using a guarantor loan structure.

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

Development Finance

Image for Top 10 Ways to Fund an Urban Renewal Project

1st November 2026

Top 10 Ways to Fund an Urban Renewal Project

Understanding development finance for first home buyers considering a purchase in Melbourne's urban renewal precincts and what lenders look for.

Image for Why Should You Consider Industrial Development Finance?

15th October 2026

Why Should You Consider Industrial Development Finance?

Understanding land acquisition finance and development funding options when purchasing an industrial development site as a self-employed business owner.

Image for Understanding the Basics of Mixed-Use Development Sites

8th October 2026

Understanding the Basics of Mixed-Use Development Sites

What first home buyers need to know before considering a mixed-use development site purchase and how development finance actually works

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.

Car Loans

Image for Everything You Need to Know About Classic Car Loans

31st October 2026

Everything You Need to Know About Classic Car Loans

How self-employed buyers across Melbourne and Australia can finance a classic car without the usual roadblocks that come with dealer financing

Business Loans

Image for Simple hacks to finance a hotel purchase

30th October 2026

Simple hacks to finance a hotel purchase

Buying a hotel is different from residential property. Learn how commercial lending works and what lenders look for in your application.

Image for Unlock the Secrets to Business Loan Approval

25th October 2026

Unlock the Secrets to Business Loan Approval

What lenders actually look for when assessing your application and how to position your business for a faster approval outcome.

Image for Top Strategies to Finance Business Inventory

4th October 2026

Top Strategies to Finance Business Inventory

How business owners fund stock purchases and manage cash flow without draining working capital or delaying growth opportunities

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.

Investment Loans

Image for Top Strategies to Own Multiple Investment Properties

29th October 2026

Top Strategies to Own Multiple Investment Properties

Building a multi-property portfolio takes more than ambition - it takes structure, timing, and an understanding of how lenders assess each step along the way.

Image for Proven tips to use home equity for investment property

28th October 2026

Proven tips to use home equity for investment property

How to access equity in your current property to fund an investment purchase without needing to save a second deposit from scratch

Image for 10 Ways Buying Your First Investment Property Differs

13th October 2026

10 Ways Buying Your First Investment Property Differs

What couples need to know about investment loans when making the leap from home ownership to building wealth through property

Image for When to Use Variable Rates and Offset Accounts

7th October 2026

When to Use Variable Rates and Offset Accounts

How self-employed property investors can structure investment loans to maintain cash flow flexibility while building a portfolio across Melbourne and Australia.

Image for What are Investment Loan Applications and How They Work

2nd October 2026

What are Investment Loan Applications and How They Work

If you're thinking about buying your first property as an investment while renting where you live, the loan application works differently to a standard home loan.

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.

First Home Buyers

Image for First Home Buyer Advice: What Not to Do Before You Apply

27th October 2026

First Home Buyer Advice: What Not to Do Before You Apply

Practical guidance for couples buying their first home together, from preparing your deposit to understanding what lenders actually assess.

Image for Top Strategies to Access First Home Buyer Support

16th October 2026

Top Strategies to Access First Home Buyer Support

How single income earners in Melbourne and across Australia can use government schemes, grants and low deposit options to buy their first home

Image for Beginner's Guide to Buying a Two Bedroom Home

12th October 2026

Beginner's Guide to Buying a Two Bedroom Home

How single income first home buyers in Melbourne and across Australia can secure a two bedroom property without a second wage

Image for 5 Challenges First Time Property Investors Face

10th October 2026

5 Challenges First Time Property Investors Face

Getting into the property market as your first investment brings hurdles that buyers don't usually face when purchasing a home to live in.

Image for Beginner's Guide to Fixed Rate Loans for First Home Buyers

29th September 2026

Beginner's Guide to Fixed Rate Loans for First Home Buyers

Self-employed first home buyers in Melbourne can lock in a fixed rate, but understanding which loan features you'll lose matters more than the rate itself.

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.

Refinancing

Image for Top tips to refinance and access equity for investment

23rd October 2026

Top tips to refinance and access equity for investment

Using equity in your home to buy an investment property means understanding valuations, serviceability, and how lenders assess your borrowing capacity.

Image for Do you know when to refinance before selling?

5th October 2026

Do you know when to refinance before selling?

Timing a refinance before you sell an investment property can unlock equity or reduce costs, but it depends on your next move.

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.

SMSF Loans

Image for Unlock the Secrets to SMSF Loans in Pension Phase

19th October 2026

Unlock the Secrets to SMSF Loans in Pension Phase

How transitioning to pension phase affects your self-managed super fund loan, tax position, and what self-employed business owners need to know before making the switch.

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

Commercial Property Finance

Image for What Not to Do When Financing a Commercial Property Upgrade

3rd October 2026

What Not to Do When Financing a Commercial Property Upgrade

How self-employed business owners can structure commercial property finance for renovations, expansions, and improvements without derailing their cashflow or lender approval

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.

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

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.

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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