Insights
How lending really works, explained from a CPA’s perspective. General information to help you ask better questions, not personal advice.
Tax-aware loan structuring: set it up right from day one
Splits, offsets, redraw and debt recycling: how loan set-up affects what your accountant can work with, in general terms.
InvestingStructuring your loans when you own more than one property
Splits, stand-alone securities and keeping personal and investment debt apart: the structural choices that keep a portfolio flexible.
Home loansOffset or redraw? What the difference means for your money
Both can cut the interest you pay, but they work differently, especially if the property may one day become an investment.
BusinessHow lenders assess self-employed borrowers and business owners
What a credit team looks for in your financials, why add-backs matter, and how to present your business at its true earning capacity.
VictoriaBuying your first home in Victoria: the costs to plan for
Stamp duty concessions, grants, low-deposit options and the smaller costs that catch first home buyers out.
Home loansHow much can I borrow? How lenders really work it out
Serviceability buffers, living expenses, credit card limits and the other levers that decide your borrowing power.