1300 706 540 Free Consultation Book Call Book

Latest Articles from Melbourne's Best Mortgage Broker

Check out the latest blog posts from AXTON Finance

Featured Articles

Image for Proven Tips to Purchase an Office Building in Malvern

29th September 2026

Proven Tips to Purchase an Office Building in Malvern

What Malvern buyers need to know about commercial property finance, loan structures, and the differences that matter when acquiring office space.

Image for Property market sentiment is more mixed than the headlines suggest

28th September 2026

Property market sentiment is more mixed than the headlines suggest

Melbourne property values are falling, but the full picture includes lower entry points, more stock and strong rental fundamentals

Image for Unlock the secrets to paying off your home loan faster

28th September 2026

Unlock the secrets to paying off your home loan faster

Discover practical strategies Canterbury homeowners can use to reduce debt, build equity and own their home outright sooner without sacrificing flexibility.

Image for Smart ways to approach investment loan challenges

27th September 2026

Smart ways to approach investment loan challenges

What property investors based in Kew should know about serviceability, deposit requirements and recent changes to negative gearing rules

Commercial Loans

Image for Proven Tips to Purchase an Office Building in Malvern

29th September 2026

Proven Tips to Purchase an Office Building in Malvern

What Malvern buyers need to know about commercial property finance, loan structures, and the differences that matter when acquiring office space.

Image for Simple hacks to buy a car dealership

15th August 2026

Simple hacks to buy a car dealership

Understanding the finance structure, security requirements, and loan terms that make acquiring an automotive dealership possible in Malvern East and beyond.

Image for Smart ways to approach commercial development finance

14th August 2026

Smart ways to approach commercial development finance

How Kew-based businesses and investors can structure commercial development finance that aligns with project timelines, cashflow requirements and long-term objectives.

Home Loans

Image for Unlock the secrets to paying off your home loan faster

28th September 2026

Unlock the secrets to paying off your home loan faster

Discover practical strategies Canterbury homeowners can use to reduce debt, build equity and own their home outright sooner without sacrificing flexibility.

Image for Beginner's Guide to Upgrading Your Family Home

24th September 2026

Beginner's Guide to Upgrading Your Family Home

What Burwood families need to know about borrowing capacity, loan structures and timing when moving to a bigger property.

Image for When to Link an Offset Account

23rd September 2026

When to Link an Offset Account

How offset accounts work in Malvern East, when they deliver value, and how to structure your home loan to reduce interest without locking funds away.

Image for Common Mistakes When Choosing Variable Rate Loans

18th September 2026

Common Mistakes When Choosing Variable Rate Loans

How a variable rate loan changes its role as your financial priorities shift, and what that means for buyers in Kew

Image for Simple hacks to reduce stamp duty in Hawthorn

3rd September 2026

Simple hacks to reduce stamp duty in Hawthorn

How Victorian first home buyers and off-the-plan purchasers can cut duty using current state and federal schemes

Image for What Are the Best Home Loans for a Three Bedroom Home?

1st September 2026

What Are the Best Home Loans for a Three Bedroom Home?

A guide for Brighton buyers choosing the right loan structure, deposit strategy and lender when purchasing a three bedroom property.

Image for Smart ways to protect borrowing capacity as rates change

29th August 2026

Smart ways to protect borrowing capacity as rates change

Interest rate movements directly affect how much you can borrow, how quickly approvals happen, and what deposit you'll need for the property you want.

Image for Everything You Need to Know About Fixed Rate Home Loans

28th August 2026

Everything You Need to Know About Fixed Rate Home Loans

How fixed rate features protect your repayments, what happens when rates change, and which loan structures work for Malvern East buyers.

Image for Smart ways to approach a holiday home loan

27th August 2026

Smart ways to approach a holiday home loan

Buying a holiday home involves different lending criteria, deposit rules and tax considerations than owner-occupied properties. This article walks through what changes.

Image for Unlock the secrets to home loan pre-approval in Windsor

18th August 2026

Unlock the secrets to home loan pre-approval in Windsor

Understand how pre-approval works, what lenders assess, and how to position yourself for a confident property search in Windsor's competitive market.

Image for What Are Desktop Valuations on Home Loans?

13th August 2026

What Are Desktop Valuations on Home Loans?

Desktop valuations speed up home loan applications, but not every property qualifies. Understanding how they work helps you prepare for settlement.

Image for Beginner's Guide to Fixed Rate Loans & Life Stages

12th August 2026

Beginner's Guide to Fixed Rate Loans & Life Stages

Understanding when a fixed interest rate home loan makes sense for Canterbury buyers, from first purchase to portfolio expansion.

Image for The easiest way to finance a retirement home in Malvern East

11th August 2026

The easiest way to finance a retirement home in Malvern East

Understand how home loan structures, serviceability assessments, and loan features work when purchasing your retirement property in this established Melbourne suburb.

Image for Everything You Need to Know About Home Loan Deposits

9th August 2026

Everything You Need to Know About Home Loan Deposits

Understanding deposit requirements is the first step toward home ownership in Richmond, where knowing your options can open doors sooner than expected.

Image for Is Your Interest Rate High and What To Do About It

7th August 2026

Is Your Interest Rate High and What To Do About It

A practical guide to identifying whether you're paying too much on your home loan and the steps to bring your rate down.

Image for Top tips to structure a family loan agreement for home buying

6th August 2026

Top tips to structure a family loan agreement for home buying

How to formalise family contributions when buying property so the loan meets lender requirements and protects everyone involved

Image for Top Strategies to Use Offset Accounts on Richmond Home Loans

4th August 2026

Top Strategies to Use Offset Accounts on Richmond Home Loans

Understanding how a linked offset account reduces interest costs and builds equity faster on your Richmond property loan

Image for Top tips to understand stamp duty concessions in Brighton

3rd August 2026

Top tips to understand stamp duty concessions in Brighton

Brighton buyers can access significant stamp duty savings through state and federal concessions when structuring their home loan application correctly.

Image for Proven Tips to Secure Your First Home Loan in South Yarra

31st July 2026

Proven Tips to Secure Your First Home Loan in South Yarra

From deposit planning to lender selection, what South Yarra first home buyers need to know before applying for a home loan.

Image for Understanding the Basics of Home Loans for Outdoor Space

30th July 2026

Understanding the Basics of Home Loans for Outdoor Space

What Hawthorn buyers need to know when borrowing for a property with a garden, courtyard or larger outdoor area

Image for Simple hacks to manage your money for home loans

28th July 2026

Simple hacks to manage your money for home loans

Practical budgeting strategies that improve your borrowing capacity and help you secure the home loan you need in Camberwell.

Image for The easiest way to stop timing the market on rates

24th July 2026

The easiest way to stop timing the market on rates

Why watching rates and waiting for the perfect moment to lock in a home loan usually costs Windsor buyers more than making a call today

Image for Avoid These 5 Mistakes When Buying a Brighton Townhouse

22nd July 2026

Avoid These 5 Mistakes When Buying a Brighton Townhouse

Understanding how lenders assess townhouses differently can save you from declined applications and unexpected costs during your purchase.

Image for Everything You Need to Know About Serviceability

19th July 2026

Everything You Need to Know About Serviceability

Understanding how lenders assess your borrowing capacity and what Armadale buyers need to demonstrate when applying for a home loan.

Image for Everything You Need to Know About Vacant Land Loans

17th July 2026

Everything You Need to Know About Vacant Land Loans

Purchasing vacant land in Brighton requires different loan structures, higher deposits, and careful lender selection compared to established property purchases.

Image for Rate Lock-ins and Break Costs: The Pros and Cons

16th July 2026

Rate Lock-ins and Break Costs: The Pros and Cons

Understanding how fixed rate home loans protect you from rate rises, and what happens if you need to exit early in Kooyong's property market.

Image for Top 10 Ways to Organise Loan Documentation for Home Loans

15th July 2026

Top 10 Ways to Organise Loan Documentation for Home Loans

How to prepare, structure and submit the right documents when applying for a home loan in Canterbury and across Victoria

Image for When to Upgrade Your Family Home in Windsor

14th July 2026

When to Upgrade Your Family Home in Windsor

From young couples to growing families, understanding when your Windsor home no longer fits and how to finance the move without overextending yourself.

Investment Loans

Image for Smart ways to approach investment loan challenges

27th September 2026

Smart ways to approach investment loan challenges

What property investors based in Kew should know about serviceability, deposit requirements and recent changes to negative gearing rules

Image for Why Positive Gearing Should Anchor Your Next Investment

22nd September 2026

Why Positive Gearing Should Anchor Your Next Investment

Rental income that covers your loan repayments and leaves cash in your pocket changes the risk profile of property investment in Prahran.

Image for Top 10 Ways to Use Equity for Your Next Property

20th September 2026

Top 10 Ways to Use Equity for Your Next Property

How Glen Iris property owners can access home equity to fund an investment purchase without selling their current home.

Image for Do you know which investment property types lenders prefer?

13th September 2026

Do you know which investment property types lenders prefer?

Not all investment properties attract the same borrowing power or interest rate. Understanding how lenders assess different property types can mean the difference between approval and decline.

Image for When to Use an Investment Loan for a Burwood Apartment

10th September 2026

When to Use an Investment Loan for a Burwood Apartment

How investment loan structure affects deposit, tax deductions and holding costs when you purchase an apartment near Burwood One or Burwood Brickworks

Image for Investment Research & What Not to Overlook in Glen Iris

31st August 2026

Investment Research & What Not to Overlook in Glen Iris

Market data alone won't protect you from a poor investment decision if the loan structure doesn't match your strategy or capacity.

Image for Smart ways to approach rentvesting in Malvern

26th August 2026

Smart ways to approach rentvesting in Malvern

How to use investment loans to build wealth through rentvesting while continuing to rent in Malvern's sought-after suburbs

Image for Why Property Values & Rates Both Matter for Investors

22nd August 2026

Why Property Values & Rates Both Matter for Investors

How to weigh capital growth against borrowing costs when building your rental portfolio in Kooyong and beyond

Image for Do you know how investment loan structure shapes returns?

17th August 2026

Do you know how investment loan structure shapes returns?

The loan features and structuring decisions that determine whether a property investment in Armadale generates wealth or becomes a constraint on future growth.

Image for Understanding Variable Rate Investment Loans

10th August 2026

Understanding Variable Rate Investment Loans

How variable rate terms work for Carnegie property investors and what to consider when structuring your next investment loan

Image for Unlock the Secrets to Investment Loans in Malvern

8th August 2026

Unlock the Secrets to Investment Loans in Malvern

How to structure finance for rental property that builds wealth while navigating recent legislative changes affecting property investors

Image for Top Strategies to Finance Investment Property in Malvern

1st August 2026

Top Strategies to Finance Investment Property in Malvern

How Malvern investors can secure the right loan structure, manage new tax rules, and build a sustainable property portfolio in Melbourne's premium market.

Image for The Easiest Way to Finance a Prahran Investment Unit

23rd July 2026

The Easiest Way to Finance a Prahran Investment Unit

A practical guide to structuring your investment loan for a Prahran apartment, including deposit requirements, borrowing capacity, and the taxation changes that now shape investment decisions.

Image for Top 10 Ways to Structure Your Investment Apartment Loan

21st July 2026

Top 10 Ways to Structure Your Investment Apartment Loan

Understanding how lenders assess apartment purchases and what you can do before applying to protect borrowing capacity and access better loan features.

First Home Buyers

Image for Why Fixed Rate Loans Help First Home Buyers in Glen Iris

26th September 2026

Why Fixed Rate Loans Help First Home Buyers in Glen Iris

How rate certainty and budget control work when you're buying your first property in one of Melbourne's established eastern suburbs

Image for How to Use Variable Rate Loans and Extra Repayments

25th September 2026

How to Use Variable Rate Loans and Extra Repayments

Understanding how variable rate home loans and additional repayments work together to reduce your loan term and build equity faster as a South Yarra buyer.

Image for The easiest way to buy off-the-plan in Malvern

16th September 2026

The easiest way to buy off-the-plan in Malvern

How first home buyers in Malvern can secure off-the-plan apartments using low deposit schemes, stamp duty concessions and planning for delayed settlement timelines.

Image for Beginner's Guide to Buying a Townhouse as a First Home

14th September 2026

Beginner's Guide to Buying a Townhouse as a First Home

What Melbourne first home buyers need to know about deposits, stamp duty, low deposit options and loan features when purchasing a townhouse

Image for How to Choose Variable Rate Loans at Different Life Stages

6th September 2026

How to Choose Variable Rate Loans at Different Life Stages

A guide for first home buyers in Brighton on selecting variable rate home loans suited to your age, income, and financial priorities.

Image for Top Strategies to Purchase Your First Home in Armadale

2nd September 2026

Top Strategies to Purchase Your First Home in Armadale

Practical guidance on deposits, stamp duty concessions, and loan options to help Armadale first home buyers purchase property with confidence.

Image for First Home Buyers and Semi-detached Purchases in Carnegie

23rd August 2026

First Home Buyers and Semi-detached Purchases in Carnegie

What Carnegie first home buyers need to know before purchasing a semi-detached house, from deposit options to stamp duty concessions.

Image for What Not to Search for Before Securing Your Finance

16th August 2026

What Not to Search for Before Securing Your Finance

The property search decisions Malvern first home buyers need to make before they start scrolling Domain and the finance preparation that matters more than the listing.

Image for Unlock the Secrets to Fixed Rates and Offset Accounts

26th July 2026

Unlock the Secrets to Fixed Rates and Offset Accounts

A practical guide for first home buyers in Kew on how fixed rate loans and offset accounts work together or separately

Image for How to Buy Your First Home in Malvern

18th July 2026

How to Buy Your First Home in Malvern

A practical guide for Malvern first home buyers covering eligibility, deposit requirements, stamp duty concessions, and how to structure your application.

Business Loans

Image for When to Refinance Business Debt & What It Actually Costs

21st September 2026

When to Refinance Business Debt & What It Actually Costs

Refinancing existing business debt can unlock working capital and reduce repayments, but only if the loan structure matches how your business operates and where it's headed.

Image for 10 Ways to Finance a Restaurant Purchase in Toorak

17th September 2026

10 Ways to Finance a Restaurant Purchase in Toorak

What buyers need to know about securing commercial lending to purchase an established or startup restaurant business in Toorak

Image for Unlock the Secrets to Smart Business Loan Planning

12th September 2026

Unlock the Secrets to Smart Business Loan Planning

Learn how Glen Iris businesses structure commercial finance to support growth, manage cash flow, and take advantage of opportunities with confidence.

Image for Understanding the Basics of Starting a New Business

11th September 2026

Understanding the Basics of Starting a New Business

What Canterbury business owners need to know about startup business loans, working capital, and securing the right finance to get operations off the ground.

Image for The Easiest Way to Finance a Medical Practice Building

8th September 2026

The Easiest Way to Finance a Medical Practice Building

A guide for Kooyong medical professionals looking to purchase their practice premises using commercial lending and business acquisition finance.

Image for Top 10 Ways to Finance Equipment for Your Business

19th August 2026

Top 10 Ways to Finance Equipment for Your Business

A practical guide to securing equipment finance in Surrey Hills, from loan structures to approval timelines and what lenders actually assess.

Image for Start-up Business Loans: What Not to Do in Kooyong

29th July 2026

Start-up Business Loans: What Not to Do in Kooyong

Avoid common pitfalls when seeking finance for your new business venture and understand what lenders actually need to see.

Refinancing

Image for What Not to Bring When Refinancing Your Home Loan

19th September 2026

What Not to Bring When Refinancing Your Home Loan

Documentation requirements for refinancing have changed, and bringing the wrong paperwork slows your application down without improving your outcome.

Image for Top Strategies to Refinance and Add an Offset Account

5th September 2026

Top Strategies to Refinance and Add an Offset Account

How Prahran property owners can refinance their home loan to access an offset account and reduce interest costs without changing loan amounts.

Image for Proven Tips to Refinance & Claim Cashback Offers

4th September 2026

Proven Tips to Refinance & Claim Cashback Offers

Cashback offers sound appealing, but understanding how they work and what you give up to claim them matters before you refinance your Malvern property.

Image for Do you know what refinancing could save you in Surrey Hills?

30th August 2026

Do you know what refinancing could save you in Surrey Hills?

How property owners in Surrey Hills are using mortgage refinancing to reduce interest costs and improve loan features without changing properties.

Image for Why Should You Refinance to Access Equity for Renovations?

25th August 2026

Why Should You Refinance to Access Equity for Renovations?

How refinancing unlocks usable equity in your Burwood property and turns renovation plans into funded projects without selling or using personal savings.

Image for Unlock the Secrets to Refinancing Investment Properties

27th July 2026

Unlock the Secrets to Refinancing Investment Properties

How Glen Iris investors access equity, reduce loan costs, and position their portfolios for growth through strategic refinancing

Image for What are Equity Release Loans and How Do They Work?

25th July 2026

What are Equity Release Loans and How Do They Work?

Discover how Richmond homeowners can access the equity in their property without selling, including cash out refinancing options and what to expect.

Bridging Loans

Image for Bridging Loans: What Not to Do When Buying a Site

15th September 2026

Bridging Loans: What Not to Do When Buying a Site

How temporary finance works when you're purchasing a development site in Camberwell and need to move before your existing property sells

Construction Loans

Image for Simple hacks to fund your dream home build in Windsor

8th September 2026

Simple hacks to fund your dream home build in Windsor

Construction loans cover land, council approvals, progress payments and everything between breaking ground and moving into your custom-designed home in Windsor.

Image for Unlock the secrets to Construction Loan Structures

7th September 2026

Unlock the secrets to Construction Loan Structures

How progressive drawdown, fixed price contracts, and the right loan structure can support your South Yarra build without funding delays or budget blowouts.

Image for Smart ways to approach building project funding

21st August 2026

Smart ways to approach building project funding

How construction finance works for Glen Iris buyers planning a custom build, knockdown rebuild, or major renovation with staged drawdowns

Image for Construction Loans: What Not to Do with Extensions

5th August 2026

Construction Loans: What Not to Do with Extensions

How construction finance works when you're building an extension in Burwood, and the costly errors most property owners make before their first drawdown.

Image for Unlock the Secrets to Duplex Construction Finance

2nd August 2026

Unlock the Secrets to Duplex Construction Finance

A professional guide to securing funding for dual occupancy developments in Glen Iris, including council approval, progressive draw schedules, and lender requirements.

Image for Top 10 Ways Construction Loan Structures Work in Toorak

20th July 2026

Top 10 Ways Construction Loan Structures Work in Toorak

Understanding progressive drawdown schedules, interest calculations, and contract types when financing your Toorak build or renovation

SMSF Loans (Residential)

Image for When to Consider CGT in SMSF Property Loans

24th August 2026

When to Consider CGT in SMSF Property Loans

Understanding how capital gains tax applies when your self-managed super fund borrows to purchase residential property in Brighton and Melbourne's bayside suburbs.

Image for What Are SMSF Property Management Rules After 2026?

20th August 2026

What Are SMSF Property Management Rules After 2026?

Understanding how to hold and manage residential property within a compliant self-managed super fund structure following recent legislative changes.

Mortgages

Image for Proven Tips to Use Equity When Buying a Second Home

29th July 2026

Proven Tips to Use Equity When Buying a Second Home

How to calculate usable equity, structure your loans, and avoid common pitfalls when purchasing your next property

Recent Articles

Image for Property market sentiment is more mixed than the headlines suggest

28th September 2026

Property market sentiment is more mixed than the headlines suggest

Melbourne property values are falling, but the full picture includes lower entry points, more stock and strong rental fundamentals

Image for Why new home sales are slowing, and what it means for your next build

22nd September 2026

Why new home sales are slowing, and what it means for your next build

Why softer new home sales don’t necessarily mean weaker housing demand, and what buyers should consider before building

Image for Melbourne now has the best rental yields of any major capital city

15th September 2026

Melbourne now has the best rental yields of any major capital city

Why falling property prices and rising rents are improving the investment equation for Melbourne buyers

Image for Rates on hold, but lenders aren’t standing still

4th September 2026

Rates on hold, but lenders aren’t standing still

How inflation, wages and lender pricing are shaping the outlook for borrowers ahead of the RBA’s September meeting.

Image for Melbourne auction clearance rates rise to their highest level since February

27th August 2026

Melbourne auction clearance rates rise to their highest level since February

Melbourne’s auction clearance rate recently reached its highest level in months. But stronger auctions don’t necessarily mean a broad market recovery.

Image for What is a debt serviceability buffer and how does it affect your borrowing capacity?

20th August 2026

What is a debt serviceability buffer and how does it affect your borrowing capacity?

Why the rate you’re assessed at can be much higher than the rate you actually pay, and what that means when you apply for a loan.

Image for How much deposit do you need to buy an investment property in Melbourne?

13th August 2026

How much deposit do you need to buy an investment property in Melbourne?

Deposits are only part of the equation. Here’s how cash, equity, LMI and purchasing costs affect what Melbourne investors actually need.

Image for Rentvesting in Melbourne: does it make sense in 2026?

10th August 2026

Rentvesting in Melbourne: does it make sense in 2026?

Melbourne prices have softened and negative gearing rules have changed. Here's what that means for rentvestors in 2026.

Image for How Melbourne homeowners can generate extra rental income with a granny flat

4th August 2026

How Melbourne homeowners can generate extra rental income with a granny flat

Victoria's planning changes make granny flats easier to build. Here is how Melbourne homeowners can finance one and generate rental income.

Image for Should You Review Your Company and Investment Trust Property Loans?

27th July 2026

Should You Review Your Company and Investment Trust Property Loans?

How the 2026 Budget's minimum tax on discretionary trusts affects property investors, and what to do about it.

Image for Debt recycling explained: Using a master limit facility to build wealth in the post-2026 Budget environment

17th July 2026

Debt recycling explained: Using a master limit facility to build wealth in the post-2026 Budget environment

With negative gearing changing for established property, debt recycling could offer equity-rich Melbourne owners a tax-effective way to build wealth. Here's how the right loan structure makes it work.

Ready to chat to our team?

Book a Free Consultation

1300 706 540

getabetterrate@axtonfinance.com.au

114 Auburn Rd, Hawthorn VIC 3122

About

Consumer Finance

Business Finance

Resources

Key Service Areas

AXTON FINANCE PTY LTD ABN 39 872 010 901 (CREDIT REPRESENTATIVE NO. 471730) IS AUTHORISED UNDER AUSTRALIAN CREDIT LICENCE NO. 389328.

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. Names & Locations of users have been changed to protect their privacy and are illustrative only.

Website by Broker Studio