Latest Articles from Aviser Finance

Check out the latest blog posts from Aviser Finance

Featured Articles

Image for Common Mistakes First Home Buyers Make Buying a Duplex

10th November 2026

Common Mistakes First Home Buyers Make Buying a Duplex

A warm, practical guide for McKinnon first home buyers weighing up a duplex, from stamp duty and deposits to budgeting around the second dwelling.

Image for The Pros and Cons of Fixed Rate Loans and Extra Repayments

9th November 2026

The Pros and Cons of Fixed Rate Loans and Extra Repayments

A warm, practical look at how fixed rates and extra repayments work together for first home buyers in St Kilda East.

Image for The Pros and Cons of SMSF Serviceability Using Rent

6th November 2026

The Pros and Cons of SMSF Serviceability Using Rent

How lenders weigh rental income and member contributions when your super fund applies for a loan, and what to consider first.

Image for When to Draw Funds on Your Chelsea Construction Loan

5th November 2026

When to Draw Funds on Your Chelsea Construction Loan

A clear guide to how progress payments work, what each stage costs you, and how to keep your build funded from slab to handover.

First Home Buyers

Image for Common Mistakes First Home Buyers Make Buying a Duplex

10th November 2026

Common Mistakes First Home Buyers Make Buying a Duplex

A warm, practical guide for McKinnon first home buyers weighing up a duplex, from stamp duty and deposits to budgeting around the second dwelling.

Image for The Pros and Cons of Fixed Rate Loans and Extra Repayments

9th November 2026

The Pros and Cons of Fixed Rate Loans and Extra Repayments

A warm, practical look at how fixed rates and extra repayments work together for first home buyers in St Kilda East.

Image for How to Buy a Three Bedroom Home in Chelsea Heights

15th October 2026

How to Buy a Three Bedroom Home in Chelsea Heights

What first home buyers in Chelsea Heights need to know about deposit size, government support, and lender requirements when purchasing a three bedroom property.

Image for How to Buy a Two Bedroom Property in Albert Park

7th October 2026

How to Buy a Two Bedroom Property in Albert Park

A practical guide for first home buyers preparing to purchase a two bedroom property in one of Melbourne's most sought-after inner-city suburbs.

Image for Everything You Need to Know About Buying a Duplex

25th September 2026

Everything You Need to Know About Buying a Duplex

A practical guide for first home buyers in Parkdale looking to purchase a duplex with the right loan structure and government support.

Image for Top Strategies to Find & Secure Your St Kilda West Home

25th August 2026

Top Strategies to Find & Secure Your St Kilda West Home

A practical guide to property search strategies that help first home buyers in St Kilda West balance location, budget, and loan approval in a tightly held market.

Image for The Pros and Cons of Entering McKinnon's Market

21st August 2026

The Pros and Cons of Entering McKinnon's Market

Understanding deposit options, stamp duty concessions, and property price thresholds when buying your first home in one of Bayside's established suburbs.

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

20th August 2026

Beginner's Guide to Buying a Three Bedroom Home

What Mordialloc first home buyers need to know about deposits, finance options, and making the move into a family-sized property.

Image for Understanding the Basics of First Time Buyer Challenges

13th August 2026

Understanding the Basics of First Time Buyer Challenges

What Ormond buyers need to know about deposits, genuine savings requirements, and the costs that catch people off guard when applying for their first home loan.

Image for What are Variable Rate Loans for First Home Buyers

30th July 2026

What are Variable Rate Loans for First Home Buyers

How a variable rate loan adapts to your needs whether you're buying in your twenties, thirties, or later in Port Melbourne

Image for Fixed Rate Loans & First Home Buyers in Lysterfield South

22nd July 2026

Fixed Rate Loans & First Home Buyers in Lysterfield South

Understanding fixed rate loan features can help first home buyers in Lysterfield South lock in repayments and plan their budgets with confidence.

SMSF Loans

Image for The Pros and Cons of SMSF Serviceability Using Rent

6th November 2026

The Pros and Cons of SMSF Serviceability Using Rent

How lenders weigh rental income and member contributions when your super fund applies for a loan, and what to consider first.

Image for Top tips to insure your SMSF property loan properly

16th October 2026

Top tips to insure your SMSF property loan properly

Insurance requirements for limited recourse borrowing arrangements can catch even experienced property investors off guard if they're not structured correctly from the start.

Image for Top tips to buy investment property with your super

1st October 2026

Top tips to buy investment property with your super

Using your Self-Managed Super Fund to purchase investment property through a Limited Recourse Borrowing Arrangement has changed significantly in recent months.

Image for Top Strategies to Structure SMSF Loans in Bonbeach

11th September 2026

Top Strategies to Structure SMSF Loans in Bonbeach

How choosing between interest-only and principal-and-interest repayments can shape your Self-Managed Super Fund's property investment performance and long-term position.

Image for The easiest way to use super to buy storage facilities

28th August 2026

The easiest way to use super to buy storage facilities

How Elwood residents can purchase commercial storage property through their Self-Managed Super Fund using a Limited Recourse Borrowing Arrangement

Image for SMSF Loans and LVR: What You Can Borrow in Albert Park

14th August 2026

SMSF Loans and LVR: What You Can Borrow in Albert Park

Understanding loan-to-value ratios for Self-Managed Super Fund property purchases and how the 2026 changes affect your borrowing capacity

Image for When to Use Super for an Office Building Purchase

7th August 2026

When to Use Super for an Office Building Purchase

Exploring SMSF commercial property loans for Black Rock professionals considering an owner-occupied office through their self-managed super fund

Image for How to lease commercial property back to your business

21st July 2026

How to lease commercial property back to your business

Self-managed super funds in Clarinda can use borrowed funds to acquire business premises and lease them back under specific conditions.

Construction Loans

Image for When to Draw Funds on Your Chelsea Construction Loan

5th November 2026

When to Draw Funds on Your Chelsea Construction Loan

A clear guide to how progress payments work, what each stage costs you, and how to keep your build funded from slab to handover.

Image for When to Engage a Construction Loan Monitor

26th October 2026

When to Engage a Construction Loan Monitor

Understanding how progress inspections protect your build and ensure funds are released at the right time in Aspendale Gardens

Image for Unlock the secrets to multi-unit development finance

14th October 2026

Unlock the secrets to multi-unit development finance

How construction loans work when you're purchasing a development site in St Kilda West and planning to build multiple dwellings

Image for Beginner's Guide to Construction Loan Risks

1st September 2026

Beginner's Guide to Construction Loan Risks

Understanding what can go wrong during your build and how to protect yourself when financing a new home in Albert Park

Image for When to Start Your Construction Loan Approval Process

27th August 2026

When to Start Your Construction Loan Approval Process

Understanding the timeline and requirements for construction loan approval in Middle Park's competitive building market

Image for Top tips to fund multi-unit developments in Prahran

19th August 2026

Top tips to fund multi-unit developments in Prahran

What Prahran developers need to know about construction finance structures, council requirements, and progressive drawdown schedules for townhouse and apartment projects.

Image for Common Mistakes When Buying House & Land Packages

11th August 2026

Common Mistakes When Buying House & Land Packages

How construction finance works when purchasing a house and land package in Middle Park and what to check before you commit

Image for When to Lock in Your Construction Finance Terms

6th August 2026

When to Lock in Your Construction Finance Terms

Understanding building finance regulations and lender requirements before you sign a fixed price building contract in Dingley Village

Image for Avoid These 5 Mistakes When Buying Land in Edithvale

27th July 2026

Avoid These 5 Mistakes When Buying Land in Edithvale

What you need to know about construction finance when purchasing land to build your custom home in Edithvale

Image for The Easiest Way to Finance a Multi-Unit Development Site

10th July 2026

The Easiest Way to Finance a Multi-Unit Development Site

How construction funding works when you're purchasing land in Cheltenham to build multiple dwellings and what lenders need to approve your application.

Car Loans

Image for Understanding the Basics of Used Car Loans in Hampton

4th November 2026

Understanding the Basics of Used Car Loans in Hampton

A warm, practical guide for Hampton residents who want to finance a used car with confidence and clear, manageable repayments.

Image for Avoid These 5 Mistakes When Financing a Work Vehicle

20th October 2026

Avoid These 5 Mistakes When Financing a Work Vehicle

How Brighton East professionals can secure the right car finance for work utes, vans, and vehicles without overpaying or limiting future options.

Image for How to Meet Car Loan Approval Requirements

3rd August 2026

How to Meet Car Loan Approval Requirements

What lenders assess when reviewing your car finance application and how to position yourself for approval in Beaumaris

Refinancing

Image for Top Strategies to Refinance & Access Equity for Renovations

3rd November 2026

Top Strategies to Refinance & Access Equity for Renovations

How McKinnon homeowners can unlock property equity to fund renovations while securing a more competitive home loan structure

Image for What are the Ways to Reduce Monthly Loan Payments?

30th October 2026

What are the Ways to Reduce Monthly Loan Payments?

How refinancing your home loan can lower your repayments and improve cashflow for Clarinda property owners looking to reduce costs.

Image for Unlock the secrets to refinancing from variable to fixed

23rd October 2026

Unlock the secrets to refinancing from variable to fixed

Switching from a variable to fixed rate through refinancing can provide certainty in your repayments and protect against future rate rises in Elwood's property market.

Image for A Beginner's Guide to Calculating Home Equity

22nd September 2026

A Beginner's Guide to Calculating Home Equity

Understanding how much equity sits in your Windsor property helps you plan your next move, whether refinancing or accessing funds.

Image for When to Refinance & How Much You Can Save

8th September 2026

When to Refinance & How Much You Can Save

Understand when refinancing makes sense for Dingley Village residents and how much you could actually save on your mortgage.

Image for The easiest way to refinance for renovations

7th September 2026

The easiest way to refinance for renovations

How Balaclava homeowners can access property equity to fund their renovation project without selling or depleting savings

Image for The Pros and Cons of Refinancing to Consolidate Debt

23rd July 2026

The Pros and Cons of Refinancing to Consolidate Debt

How rolling debts into your home loan can reshape your finances, with clear examples for St Kilda homeowners weighing their options.

Image for Smart ways to approach refinancing costs

16th July 2026

Smart ways to approach refinancing costs

Understanding what you'll actually pay when switching home loans and how to keep those costs from eating into your savings.

Image for Everything You Need to Know About Refinancing Documents

13th July 2026

Everything You Need to Know About Refinancing Documents

The exact documentation your Port Melbourne refinance requires, why lenders ask for it, and how to prepare it without the back-and-forth.

Business Loans

Image for Why should you consider finance for a new product line?

2nd November 2026

Why should you consider finance for a new product line?

Launching a new product line can accelerate growth, but funding the move requires careful planning and the right loan structure for your business.

Image for Smart ways to refinance existing business debt

2nd October 2026

Smart ways to refinance existing business debt

How St Kilda West businesses can restructure loans to improve cash flow, reduce repayments, and create room for growth

Image for Why Should Bonbeach Businesses Consider a Warehouse Loan?

28th September 2026

Why Should Bonbeach Businesses Consider a Warehouse Loan?

A guide to securing commercial lending for warehouse facilities, exploring loan structures and financing options for local businesses ready to expand.

Image for Why Should You Use a Broker for Business Acquisition Loans

9th September 2026

Why Should You Use a Broker for Business Acquisition Loans

Acquiring another business in Mentone requires the right funding structure, and a broker can connect you with lenders who understand your goals.

Image for What are Business Expansion Loans for Prahran Businesses?

5th August 2026

What are Business Expansion Loans for Prahran Businesses?

Understand how secured and unsecured business finance can support growth, from equipment purchases to new locations across this vibrant commercial precinct.

Image for Do you know how to finance entering new markets?

4th August 2026

Do you know how to finance entering new markets?

Understanding which business loan structures support market expansion without overextending your working capital or putting existing operations at risk.

Image for Simple hacks to fund additional staff in your business

15th July 2026

Simple hacks to fund additional staff in your business

How Aspendale Gardens business owners are using the right loan structure to expand their team without compromising cash flow

Home Loans

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

29th October 2026

Beginner's Guide to Home Loans for First Home Buyers

A reassuring walkthrough of home loan options, features, and the application process for Elwood residents purchasing their first home.

Image for Why Should Lysterfield South Buyers Consider Government Schemes?

28th October 2026

Why Should Lysterfield South Buyers Consider Government Schemes?

Understanding how federal support programs can help residents in Lysterfield South access property ownership with lower deposits and shared equity options.

Image for The easiest way to secure your next home in Bentleigh

21st October 2026

The easiest way to secure your next home in Bentleigh

Finding the right home loan structure for your next property purchase means matching features to your circumstances, not chasing headline rates alone.

Image for Understanding the Basics of Self-Employed Home Loans

13th October 2026

Understanding the Basics of Self-Employed Home Loans

What lenders assess when you're self-employed, how to strengthen your application, and the documentation you'll need for approval in Lysterfield South

Image for Fixed Rate Home Loans in Elwood & How They Work

9th October 2026

Fixed Rate Home Loans in Elwood & How They Work

Understanding fixed rate home loans for Elwood buyers, from rate structures and break costs to when locking in your rate makes sense.

Image for Understanding the basics of Apartment vs House Financing

8th October 2026

Understanding the basics of Apartment vs House Financing

How lenders assess apartments and houses differently, and what that means for borrowing capacity and loan structure in Edithvale

Image for Avoid these 5 Deposit Mistakes in Prahran

6th October 2026

Avoid these 5 Deposit Mistakes in Prahran

What Prahran buyers need to understand about home loan deposits when houses start at $1.6 million and units run from $465,000 upward

Image for Home Loans for Townhouses: 5 Ways to Strengthen Your Application

5th October 2026

Home Loans for Townhouses: 5 Ways to Strengthen Your Application

How Ripponlea buyers secure finance for townhouse purchases in a changing market with LVR strategies, lender selection and pre-approval timing

Image for The Easiest Way to Access Extra Cash with Redraw

24th September 2026

The Easiest Way to Access Extra Cash with Redraw

How a redraw facility on your home loan gives you flexibility to access additional payments when you need them most

Image for Common Mistakes Managing Money for Home Loans

16th September 2026

Common Mistakes Managing Money for Home Loans

How overlooked budgeting habits in Parkdale can delay pre-approval, reduce borrowing capacity, and derail your home ownership timeline.

Image for Proven tips to choose a variable rate home loan

3rd September 2026

Proven tips to choose a variable rate home loan

Variable rate home loans offer flexibility that suits changing circumstances, and understanding how lenders price them makes a meaningful difference to what you pay.

Image for 10 Ways Variable Home Loans & Extra Repayments Build Wealth

2nd September 2026

10 Ways Variable Home Loans & Extra Repayments Build Wealth

Variable rate loans with offset accounts and extra repayment features can reduce interest costs and shorten loan terms for Lysterfield South homeowners.

Image for When to Choose a Variable Rate and Offset Account

28th August 2026

When to Choose a Variable Rate and Offset Account

How variable rate home loans with offset accounts work for Edithvale buyers looking to reduce interest and maintain flexibility.

Image for Proven Tips to Lower Your Home Loan Repayments

12th August 2026

Proven Tips to Lower Your Home Loan Repayments

Discover practical repayment strategies that help Prahran residents reduce interest costs, build equity faster, and create flexibility in their owner occupied home loan.

Image for Beginner's Guide to Buying a House in Elwood

10th August 2026

Beginner's Guide to Buying a House in Elwood

From beachside charm to home ownership reality, learn how to structure your application, choose the right features, and secure property in this sought-after suburb.

Image for 10 Ways to Finance a Holiday Home in Oakleigh South

29th July 2026

10 Ways to Finance a Holiday Home in Oakleigh South

From splitting rates to using equity, discover how Oakleigh South residents can structure a home loan to purchase a coastal or regional retreat.

Image for Smart ways to approach home loans for different property types

9th July 2026

Smart ways to approach home loans for different property types

Understanding how lenders assess different property types in Bonbeach helps you prepare the right loan structure before you buy.

Commercial Loans

Image for 10 Things to Know When Buying Mixed-Use Property

27th October 2026

10 Things to Know When Buying Mixed-Use Property

What Bentleigh East buyers should understand about financing a mixed-use development with residential and commercial components.

Image for Top tips to buy a car dealership in Highett

23rd August 2026

Top tips to buy a car dealership in Highett

What you need to know about commercial finance when purchasing an automotive dealership near Southroad and the Bay Road precinct

Investment Loans

Image for Simple hacks to lock in fixed investment loan rates

22nd October 2026

Simple hacks to lock in fixed investment loan rates

How Black Rock property investors can secure stable returns with fixed rate investment loans while protecting cash flow and portfolio growth

Image for Avoid These 5 Variable Rate Investment Loan Mistakes

30th September 2026

Avoid These 5 Variable Rate Investment Loan Mistakes

How extra repayments on your variable rate investment loan can affect your borrowing power, tax position, and long-term portfolio strategy in Mordialloc

Image for Simple hacks to choose the right investment property type

29th September 2026

Simple hacks to choose the right investment property type

Not all properties deliver the same rental returns or capital growth. Understanding which property type suits your goals makes building wealth through property more achievable.

Image for Unlock the Secrets to Investment Loans for South Melbourne Units

18th September 2026

Unlock the Secrets to Investment Loans for South Melbourne Units

A comprehensive guide for South Melbourne residents looking to purchase their first or next investment unit with the right loan structure and strategy.

Image for Common Mistakes with Investment Loan Cash Flow Management

14th September 2026

Common Mistakes with Investment Loan Cash Flow Management

How Port Melbourne property investors manage rental income, holding costs and shortfalls to keep their loans performing through vacancies and rate changes

Image for Fixed Rate Investment Loans & What to Consider

4th September 2026

Fixed Rate Investment Loans & What to Consider

How fixed rate terms on investment loans affect your borrowing capacity, tax position and refinancing options in Port Melbourne's changing property market.

Image for Why Positive Gearing Should Guide Your Investment Loan

31st August 2026

Why Positive Gearing Should Guide Your Investment Loan

How rental income that exceeds holding costs changes your borrowing capacity, tax position and the properties Hampton investors target

Image for Unlock the secrets to investment loan pre-approvals

17th August 2026

Unlock the secrets to investment loan pre-approvals

Why securing conditional approval before you bid gives Heatherton investors certainty in a shifting tax and lending environment

Image for 10 Ways Fixed Rate Investment Loans Fit Your Life Stage

31st July 2026

10 Ways Fixed Rate Investment Loans Fit Your Life Stage

From your first rental property to portfolio expansion, how locking in a rate changes at different stages of your property investment journey.

Image for Top tips to manage Fixed Rate Investment Loan Fees

28th July 2026

Top tips to manage Fixed Rate Investment Loan Fees

Understanding upfront, ongoing and exit costs when financing rental property in Chelsea with a fixed rate investor loan

Image for Proven tips to analyse Carrum's rental market

20th July 2026

Proven tips to analyse Carrum's rental market

How to assess rental demand, vacancy patterns and income potential before securing your investment loan in this bayside suburb

Image for Unlock the secrets to fixed rate investment loans

17th July 2026

Unlock the secrets to fixed rate investment loans

How extra repayments on a fixed rate investment loan affect your tax position, flexibility, and wealth building strategy in Dingley Village.

Image for Smart ways to finance a holiday rental investment

14th July 2026

Smart ways to finance a holiday rental investment

Beaumaris residents looking to purchase a holiday rental property need to understand how investment loan structures and recent tax changes affect financing decisions.

Asset Finance

Image for Everything You Need to Know About Financing Office Furniture

19th October 2026

Everything You Need to Know About Financing Office Furniture

How South Melbourne businesses can acquire quality office furniture without depleting working capital through tailored asset finance solutions

Image for Unlock the Secrets to Computer Equipment Finance

23rd September 2026

Unlock the Secrets to Computer Equipment Finance

How Elwood businesses can fund technology purchases while preserving working capital and managing cashflow through structured finance options

Image for Top tips to finance machinery in Moorabbin

21st September 2026

Top tips to finance machinery in Moorabbin

How businesses in Moorabbin can structure machinery purchases to preserve working capital while accessing the equipment needed for growth

Image for Everything You Need to Know About Plant Equipment Finance

10th September 2026

Everything You Need to Know About Plant Equipment Finance

How Bentleigh East businesses can acquire construction machinery, commercial vehicles, and specialised equipment while preserving working capital and managing cashflow effectively.

Image for Unlock the secrets to HVAC system finance in Black Rock

24th July 2026

Unlock the secrets to HVAC system finance in Black Rock

How Black Rock businesses can access funding for heating and cooling equipment while preserving working capital for growth opportunities

Equipment Finance

Image for Avoid these 5 Mistakes When Financing Printing Equipment

12th October 2026

Avoid these 5 Mistakes When Financing Printing Equipment

How Ripponlea businesses can secure the right finance structure for commercial printing equipment without tying up working capital or overpaying on tax.

Image for Smart ways to approach equipment finance approvals

17th September 2026

Smart ways to approach equipment finance approvals

Understanding what lenders assess and how to prepare your application can make the difference between approval and delay

Image for Simple hacks to upgrade existing machinery

15th September 2026

Simple hacks to upgrade existing machinery

How Oakleigh South businesses can replace outdated equipment without disrupting cashflow or depleting working capital reserves

Image for How to Finance Warehouse Equipment in Dingley Village

26th August 2026

How to Finance Warehouse Equipment in Dingley Village

A practical guide to equipment finance options for warehouse operators looking to purchase forklifts, racking systems, and material handling equipment in Melbourne's industrial south-east.

Image for Mining Equipment Finance: What Not to Do in Hampton East

18th August 2026

Mining Equipment Finance: What Not to Do in Hampton East

How businesses in Hampton East can secure the right equipment finance for mining machinery without depleting cashflow or missing tax opportunities

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Disclaimer: This page provides general information only and has been prepared without taking into account your objectives, financial situation or needs. We recommend that you consider whether it is appropriate for your circumstances and your full financial situation will need to be reviewed prior to acceptance of any offer or product. It does not constitute legal, tax or financial advice and you should always seek professional advice in relation to your individual circumstances.