Six guides to the lending people ask about most.
Written new for this site on the questions the archive has covered most, current at September 2026, with the assessment explained the way a lender runs it. Each guide names the tools that run the numbers, the sources it relies on, and the archive articles that go deeper.
General information. It does not take account of your objectives, financial situation or needs and is not credit, tax, legal or financial advice.
Buying a first home in Victoria: deposit, schemes, duty and the loan.
Most first home buyers in Melbourne are not short of a plan; they are short of a clear account of which rules apply to them.
ReadGuide, 12 minute readRefinancing a home loan: when it pays, what it costs, and when to stay put.
Refinancing is a calculation, not a reflex.
ReadGuide, 13 minute readInvestment property loans: structure first, then the rate.
An investment loan is judged twice: by the lender when it is written and by you every year after.
ReadGuide, 12 minute readCommercial property finance: how a lender reads the asset, the lease and you.
A commercial property loan is assessed on the asset and the income it produces before it is assessed on you.
ReadGuide, 12 minute readSMSF property loans: the rules the fund must follow and the lender will check.
A fund borrows under rules that do not apply to any other borrower.
ReadGuide, 14 minute readDevelopment and construction finance: from a house build to a multi-unit project.
Building is funded in stages, against a plan, on a lender’s terms.
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When the reading raises a question, ask it.
A finance review starts with a conversation and a written position from Dayan Kasturiratna, who provides the credit assistance on every file. No credit check to start.
The Learn section is general information about lending in Australia. It does not take account of your objectives, financial situation or needs, is not credit assistance, and is not tax, legal or financial advice. Lender policies, government schedules and regulations change; check the current position with the relevant body or with us before relying on it.
