Latest Articles from MJ Finance and Advisory

Featured Articles

10th September 2026

Top tips to secure apartment vs house financing in Perth

Lenders assess apartments and houses differently, affecting your borrowing capacity, LVR limits, and loan structure before you sign a contract.

8th September 2026

Proven tips to lock in fixed rates when refinancing

Construction professionals managing fluctuating income can stabilise repayments and protect cashflow by switching from variable to fixed rate loans through refinancing.

3rd September 2026

Top Strategies to Secure a Home Loan with Just 5%

How Western Australian buyers can access property with a 5% deposit while managing lenders mortgage insurance and government guarantee schemes.

1st September 2026

Avoid These Fixed Rate and Offset Mistakes

Overseas buyers often combine fixed rate loans with offset accounts and lose thousands. What the structure requires and how the features interact.

Home Loans

10th September 2026

Top tips to secure apartment vs house financing in Perth

Lenders assess apartments and houses differently, affecting your borrowing capacity, LVR limits, and loan structure before you sign a contract.

3rd September 2026

Top Strategies to Secure a Home Loan with Just 5%

How Western Australian buyers can access property with a 5% deposit while managing lenders mortgage insurance and government guarantee schemes.

1st September 2026

Avoid These Fixed Rate and Offset Mistakes

Overseas buyers often combine fixed rate loans with offset accounts and lose thousands. What the structure requires and how the features interact.

27th August 2026

Top Strategies to Avoid or Reduce LMI on Your Home Loan

Lenders Mortgage Insurance can add thousands to your purchase cost. These strategies reduce or eliminate it without waiting years to save.

25th August 2026

First Home Loans: The Pros and Cons for Sole Traders

Understanding how lenders assess your self-employed income and which loan structures reduce risk while building equity from the first repayment.

10th August 2026

10 Ways Home Loans Shape Your Financial Plan

For overseas buyers, the structure of your Australian home loan determines access to equity, tax position, and capacity to scale your portfolio.

4th August 2026

Rate Lock-ins & What Not to Do with Break Costs

Fixed rate home loans carry specific exit conditions that business owners must understand before committing capital to property finance.

30th July 2026

The easiest way to fund a school zone property move

Business owners looking to relocate for school access face specific lending complications that require upfront structuring and evidence preparation.

23rd July 2026

Common Mistakes Overseas Buyers Make with Home Loans

Foreign income verification, deposit structuring, and lender policy differences create specific obstacles that require advance preparation and operational precision.

21st July 2026

Beginner's guide to Off-the-Plan Home Loans

How purchase timing, construction delays, and deposit structures affect your borrowing capacity when financing an apartment or townhouse before completion.

2nd July 2026

Everything You Need to Know About Fixed Rate Loan Fees

The upfront costs, ongoing charges, and break fees that determine what a fixed rate home loan actually costs in East Perth.

30th June 2026

What Are Fixed Rate Home Loan Terms and How They Work

Fixed rate loan terms lock your interest rate for a set period. Understanding the commitment and structure determines whether the certainty suits your income pattern.

25th June 2026

The Pros and Cons of Buying a Home for Lifestyle Change

Making a property purchase driven by lifestyle goals requires a different financing approach than upgrading or investing for capital growth alone.

23rd June 2026

Why You Should Buy a Home Closer to Work in Perth

Reducing your commute changes your borrowing capacity, reshapes your repayment timeline, and unlocks property options you might have overlooked.

18th June 2026

The Easiest Way to Secure Home Loan Pre-approval

Understanding the pre-approval process means knowing which documents lenders assess, how they calculate capacity, and when conditional approval becomes unconditional.

16th June 2026

What is Borrowing Capacity and How is it Calculated?

Understanding how lenders assess your borrowing power gives you control over your application before you submit it.

16th June 2026

Family Loan Agreements and How They Work

Structuring family lending arrangements to satisfy lender requirements and protect both parties when supporting a property purchase.

16th June 2026

First Home Loan: What Not to Avoid When Applying

Every decision in your first home loan application either strengthens your position or creates friction you'll carry through settlement and beyond.

16th June 2026

Why Holiday Home Loans Demand a Different Strategy

Purchasing a coastal retreat or regional escape requires a finance structure distinct from your primary residence, with lender policies and lending criteria that change the equation.

Refinancing

8th September 2026

Proven tips to lock in fixed rates when refinancing

Construction professionals managing fluctuating income can stabilise repayments and protect cashflow by switching from variable to fixed rate loans through refinancing.

Construction Loans

18th August 2026

Top tips to stay compliant with construction loans

Meeting lender conditions through each stage of a build protects your funding, avoids delays, and keeps your project on schedule.

13th August 2026

Do you know how construction loans fund extensions?

Extensions require staged funding matched to build milestones, not upfront settlement like standard property purchases. Understanding the drawdown structure determines your cash flow.

5th August 2026

What are Construction Loans & How Do They Work?

A structured breakdown of construction finance for builders and contractors managing custom builds, renovations, and land and construction packages.

16th July 2026

Top Strategies to Secure Construction Finance for House & Land Packages

Sole traders face specific hurdles when funding house and land packages. Clear preparation and structured documentation make approval straightforward.

9th July 2026

Everything You Need to Know About Construction Loan Settlement

Settlement on a construction loan operates through staged drawdowns, not a single upfront payment like traditional property purchases.

Investment Loans

29th July 2026

Avoid These 7 Mistakes With Property Investment Goals

Your property investment strategy defines what lenders will fund, how much equity you retain, and whether your portfolio compounds or stalls.

14th July 2026

Rate Lock-ins and Break Costs for Investment Loans

How fixed rate contracts operate, what triggers break costs, and when switching structures make operational sense for property investors.

7th July 2026

Why Should Interstate Buyers Split Investment Loans

Fixed, variable, and split loan structures for property investors operating across state lines and managing capital from a distance.

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Latest Articles from MJ Finance and Advisory

Check out the latest blog posts from MJ Finance and Advisory

Featured Articles

Top tips to secure apartment vs house financing in Perth

Lenders assess apartments and houses differently, affecting your borrowing capacity, LVR limits, and loan structure before you sign a contract.

Proven tips to lock in fixed rates when refinancing

Construction professionals managing fluctuating income can stabilise repayments and protect cashflow by switching from variable to fixed rate loans through refinancing.

Top Strategies to Secure a Home Loan with Just 5%

How Western Australian buyers can access property with a 5% deposit while managing lenders mortgage insurance and government guarantee schemes.

Avoid These Fixed Rate and Offset Mistakes

Overseas buyers often combine fixed rate loans with offset accounts and lose thousands. What the structure requires and how the features interact.

Home Loans

Top tips to secure apartment vs house financing in Perth

Lenders assess apartments and houses differently, affecting your borrowing capacity, LVR limits, and loan structure before you sign a contract.

Top Strategies to Secure a Home Loan with Just 5%

How Western Australian buyers can access property with a 5% deposit while managing lenders mortgage insurance and government guarantee schemes.

Avoid These Fixed Rate and Offset Mistakes

Overseas buyers often combine fixed rate loans with offset accounts and lose thousands. What the structure requires and how the features interact.

Top Strategies to Avoid or Reduce LMI on Your Home Loan

Lenders Mortgage Insurance can add thousands to your purchase cost. These strategies reduce or eliminate it without waiting years to save.

First Home Loans: The Pros and Cons for Sole Traders

Understanding how lenders assess your self-employed income and which loan structures reduce risk while building equity from the first repayment.

10 Ways Home Loans Shape Your Financial Plan

For overseas buyers, the structure of your Australian home loan determines access to equity, tax position, and capacity to scale your portfolio.

Rate Lock-ins & What Not to Do with Break Costs

Fixed rate home loans carry specific exit conditions that business owners must understand before committing capital to property finance.

The easiest way to fund a school zone property move

Business owners looking to relocate for school access face specific lending complications that require upfront structuring and evidence preparation.

Common Mistakes Overseas Buyers Make with Home Loans

Foreign income verification, deposit structuring, and lender policy differences create specific obstacles that require advance preparation and operational precision.

Beginner's guide to Off-the-Plan Home Loans

How purchase timing, construction delays, and deposit structures affect your borrowing capacity when financing an apartment or townhouse before completion.

Everything You Need to Know About Fixed Rate Loan Fees

The upfront costs, ongoing charges, and break fees that determine what a fixed rate home loan actually costs in East Perth.

What Are Fixed Rate Home Loan Terms and How They Work

Fixed rate loan terms lock your interest rate for a set period. Understanding the commitment and structure determines whether the certainty suits your income pattern.

The Pros and Cons of Buying a Home for Lifestyle Change

Making a property purchase driven by lifestyle goals requires a different financing approach than upgrading or investing for capital growth alone.

Why You Should Buy a Home Closer to Work in Perth

Reducing your commute changes your borrowing capacity, reshapes your repayment timeline, and unlocks property options you might have overlooked.

The Easiest Way to Secure Home Loan Pre-approval

Understanding the pre-approval process means knowing which documents lenders assess, how they calculate capacity, and when conditional approval becomes unconditional.

What is Borrowing Capacity and How is it Calculated?

Understanding how lenders assess your borrowing power gives you control over your application before you submit it.

Family Loan Agreements and How They Work

Structuring family lending arrangements to satisfy lender requirements and protect both parties when supporting a property purchase.

First Home Loan: What Not to Avoid When Applying

Every decision in your first home loan application either strengthens your position or creates friction you'll carry through settlement and beyond.

Why Holiday Home Loans Demand a Different Strategy

Purchasing a coastal retreat or regional escape requires a finance structure distinct from your primary residence, with lender policies and lending criteria that change the equation.

Refinancing

Proven tips to lock in fixed rates when refinancing

Construction professionals managing fluctuating income can stabilise repayments and protect cashflow by switching from variable to fixed rate loans through refinancing.

Construction Loans

Top tips to stay compliant with construction loans

Meeting lender conditions through each stage of a build protects your funding, avoids delays, and keeps your project on schedule.

Do you know how construction loans fund extensions?

Extensions require staged funding matched to build milestones, not upfront settlement like standard property purchases. Understanding the drawdown structure determines your cash flow.

What are Construction Loans & How Do They Work?

A structured breakdown of construction finance for builders and contractors managing custom builds, renovations, and land and construction packages.

Top Strategies to Secure Construction Finance for House & Land Packages

Sole traders face specific hurdles when funding house and land packages. Clear preparation and structured documentation make approval straightforward.

Everything You Need to Know About Construction Loan Settlement

Settlement on a construction loan operates through staged drawdowns, not a single upfront payment like traditional property purchases.

Investment Loans

Avoid These 7 Mistakes With Property Investment Goals

Your property investment strategy defines what lenders will fund, how much equity you retain, and whether your portfolio compounds or stalls.

Rate Lock-ins and Break Costs for Investment Loans

How fixed rate contracts operate, what triggers break costs, and when switching structures make operational sense for property investors.

Why Should Interstate Buyers Split Investment Loans

Fixed, variable, and split loan structures for property investors operating across state lines and managing capital from a distance.

Ready to chat to one of our team?