Insights
Practical finance education
Evergreen guides covering common questions across home loans, refinancing, investment lending and more. These are general overviews; speak with your broker for guidance based on your circumstances.
Victoria's First Home Buyer Stamp Duty Exemption: What Every Melbourne Borrower Must Know
Victorian first home buyers can pay zero stamp duty on homes up to $600,000 and access concessions to $750,000 — here's how it works.
General information only. Not personal advice.
FAR Reforms: What Reduced Compliance Obligations Mean for Asset Finance in Australia
APRA and ASIC are streamlining the Financial Accountability Regime, reducing reporting obligations for licensees including asset finance brokers from October 2026.
General information only. Not personal advice.
Help to Buy Scheme Now Live Across Australia — What Victorian Buyers Should Know
The Help to Buy Scheme has completed its national rollout. Here is what eligible Victorian buyers need to understand about how it works.
General information only. Not personal advice.
Negative Gearing Explained: What Victorian Property Investors Should Know in 2026
Negative gearing is one of Australia's most discussed property investment concepts. This guide explains how it works, what the 2026 reform announcement may mean, and what Melbourne and Victorian investors should consider before relying on tax deductions as part of an investment strategy.
General information only. Not personal advice.
RBA Holds Cash Rate: What Victorian Borrowers Should Review Now
The RBA has left the cash rate unchanged at 4.35%, but Victorian borrowers should still review their repayments, loan structure and borrowing position carefully rather than waiting for rate movements.
General information only. Not personal advice.
Refinancing Slows, But the Savings Gap Remains Wide
Refinancing eased slightly in early 2026, yet the potential savings for long-standing borrowers remain substantial — here's what the data shows.
General information only. Not personal advice.
First Home Buyer Checklist: What to Prepare Before Applying
Understand the documents, savings history and financial records lenders typically review before a first home loan application.
General information only. Not personal advice.
Refinancing Your Home Loan: Signs It May Be Time to Review
A loan review may help you understand whether your current structure still suits your circumstances and future plans.
General information only. Not personal advice.
Understanding Borrowing Power: What Lenders Usually Consider
Borrowing capacity is influenced by income, expenses, credit commitments, loan purpose and lender assessment criteria.
General information only. Not personal advice.
Investment Loans: Key Considerations Before Buying
Investment lending decisions often involve structure, cash flow, rental assumptions and future borrowing plans.
General information only. Not personal advice.
Fixed vs Variable Home Loans: What to Compare
Fixed and variable structures have different trade-offs around certainty, flexibility and loan features.
General information only. Not personal advice.
Offset Accounts and Redraw Facilities: What's the Difference?
Offset accounts and redraw facilities can both affect how a home loan operates, but they are not the same feature.
General information only. Not personal advice.
Self-Employed Borrowers: Documents You May Need
Self-employed borrowers may need additional documents to help lenders understand income, trading history and business position.
General information only. Not personal advice.
Commercial Finance: What Business Owners Should Know
Commercial finance can support business property, cash flow or asset needs, with assessment often shaped by business purpose and financial records.
General information only. Not personal advice.
Car and Asset Finance: How to Prepare Before Applying
Preparing asset details, income information and intended use can help clarify the vehicle or equipment finance process.
General information only. Not personal advice.
Ready to talk?
Have a question about your finance options?
These guides are starting points. For guidance based on your specific circumstances, speak with Avanta Finance directly.