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 Why Should Kooyong Buyers Consider Outdoor Space Now

7th July 2026

Why Should Kooyong Buyers Consider Outdoor Space Now

How purchasing a home with more outdoor space in Kooyong affects your borrowing capacity, loan structure, and long-term financial position.

Image for Proven Tips to Adjust Loan Payments When Refinancing

6th July 2026

Proven Tips to Adjust Loan Payments When Refinancing

How changing your repayment frequency during a refinance can improve cashflow and reduce the total interest you pay over the life of your loan

Image for How to Structure Commercial Development Finance

5th July 2026

How to Structure Commercial Development Finance

Understanding the funding structure, drawdown mechanics, and risk considerations that shape commercial development projects in South Yarra and beyond

Image for The Easiest Way to Fund a Retail Shopfront Purchase

4th July 2026

The Easiest Way to Fund a Retail Shopfront Purchase

Understand how secured and unsecured business loans work for retail property buyers in Carnegie, with practical insights on loan structure and approval.

Home Loans

Image for Why Should Kooyong Buyers Consider Outdoor Space Now

7th July 2026

Why Should Kooyong Buyers Consider Outdoor Space Now

How purchasing a home with more outdoor space in Kooyong affects your borrowing capacity, loan structure, and long-term financial position.

Image for When to Lock in Rates for a Retirement Home

3rd July 2026

When to Lock in Rates for a Retirement Home

How to structure finance for a retirement property when age affects lending criteria and loan features matter more than interest rates alone

Image for 10 Ways to Choose the Right Home Loan for a Townhouse

27th June 2026

10 Ways to Choose the Right Home Loan for a Townhouse

What Malvern buyers need to know when financing a townhouse purchase, from deposit requirements to loan features that match strata living.

Image for The easiest way to align your home loan with your goals

22nd June 2026

The easiest way to align your home loan with your goals

Financial planning and mortgage strategy work together in Kew, where your loan structure should support what you're building over the next decade.

Image for What are Home Loan Interest Rates and How They Work

12th June 2026

What are Home Loan Interest Rates and How They Work

Understanding how interest rates affect your home loan repayments and what influences the rate you'll pay on your property in Malvern.

Image for The easiest way to upgrade your family home

11th June 2026

The easiest way to upgrade your family home

Borrowing capacity, equity position, and loan structure all shift when you move from your first property to a larger family home in Glen Iris.

Image for Why a 10% Deposit Could Work for Your Home Purchase

10th June 2026

Why a 10% Deposit Could Work for Your Home Purchase

How buying with a smaller deposit opens up ownership in Hawthorn without waiting years to save the traditional 20% down.

Image for Lenders Mortgage Insurance: What Not to Do When Borrowing

8th June 2026

Lenders Mortgage Insurance: What Not to Do When Borrowing

How Lenders Mortgage Insurance works, when you'll pay it, and what Toorak borrowers need to know before structuring their home loan

Image for Everything You Need to Know About Rate Locks and Break Costs

5th June 2026

Everything You Need to Know About Rate Locks and Break Costs

How fixed rate home loans lock in your interest rate, what happens if you need to exit early, and how break costs are calculated.

Image for Beginner's Guide to Economic Factors & Home Loans

30th May 2026

Beginner's Guide to Economic Factors & Home Loans

How inflation, cash rate movements, and employment data influence your borrowing capacity and home loan options in Brighton's property market

Image for Understanding the Basics of Home Loan Features

28th May 2026

Understanding the Basics of Home Loan Features

A practical guide to the mortgage features that matter most when choosing a home loan in Carnegie and beyond

Refinancing

Image for Proven Tips to Adjust Loan Payments When Refinancing

6th July 2026

Proven Tips to Adjust Loan Payments When Refinancing

How changing your repayment frequency during a refinance can improve cashflow and reduce the total interest you pay over the life of your loan

Image for The Pros and Cons of Refinancing to Fixed Rates

28th June 2026

The Pros and Cons of Refinancing to Fixed Rates

Understand what switching from variable to fixed means for your mortgage, your monthly repayments, and your access to loan features in Kooyong.

Image for Top tips to prepare your refinance documentation

26th June 2026

Top tips to prepare your refinance documentation

Get your refinance application approved faster with the right documents ready from day one, including what lenders actually need to see.

Image for Everything You Need to Know About Refinancing for Education

23rd June 2026

Everything You Need to Know About Refinancing for Education

How Camberwell homeowners can release equity from their property to fund university fees, school tuition, or overseas education costs.

Image for Everything You Need to Know About Refinancing Rates

18th June 2026

Everything You Need to Know About Refinancing Rates

How Armadale homeowners are locking in lower interest rates through refinancing and what the process actually involves in the current market.

Image for When to Refinance and Access Equity for Investment

16th June 2026

When to Refinance and Access Equity for Investment

How Prahran property owners can unlock equity for their next investment purchase while securing more favourable loan terms

Image for When to Start & What to Expect: Refinancing Settlement

15th June 2026

When to Start & What to Expect: Refinancing Settlement

A clear guide to the refinancing settlement process, from application approval to final handover, for property owners in Kooyong and beyond.

Image for Top Strategies to Reduce Refinancing Costs

14th June 2026

Top Strategies to Reduce Refinancing Costs

Understanding the upfront fees, discharge charges, and hidden expenses that affect your refinancing decision in Hawthorn's competitive property market.

Image for When to Refinance & When Not to Refinance Your Home Loan

13th June 2026

When to Refinance & When Not to Refinance Your Home Loan

Understanding the right moment to refinance your Richmond home loan can save you thousands, but timing and circumstances determine whether it's worth the switch.

Commercial Loans

Image for How to Structure Commercial Development Finance

5th July 2026

How to Structure Commercial Development Finance

Understanding the funding structure, drawdown mechanics, and risk considerations that shape commercial development projects in South Yarra and beyond

Image for Unlock the Secrets to Commercial Loan Comparison

24th June 2026

Unlock the Secrets to Commercial Loan Comparison

How Kooyong businesses can access the right commercial property finance by comparing loan structures, interest rates, and lender terms that match their investment or expansion goals.

Image for Understanding the Basics of Warehouse Financing

20th June 2026

Understanding the Basics of Warehouse Financing

What Hawthorn businesses need to know about securing a commercial loan to purchase warehouse space for expansion or investment

Business Loans

Image for The Easiest Way to Fund a Retail Shopfront Purchase

4th July 2026

The Easiest Way to Fund a Retail Shopfront Purchase

Understand how secured and unsecured business loans work for retail property buyers in Carnegie, with practical insights on loan structure and approval.

Image for Top Strategies to Finance a Pharmacy Building Purchase

2nd July 2026

Top Strategies to Finance a Pharmacy Building Purchase

Commercial property loans for pharmacy owners in Prahran looking to secure their business premises and build long-term equity.

Image for Beginner's Guide to Buying a Medical Practice Building

30th June 2026

Beginner's Guide to Buying a Medical Practice Building

What Richmond-based medical professionals need to know about securing commercial property finance for their own practice premises

Investment Loans

Image for Simple hacks to understand property investment fundamentals

1st July 2026

Simple hacks to understand property investment fundamentals

What Armadale investors need to know about loan structures, tax treatment and deposit strategies before buying their first or next rental property

Image for Top Tips to Borrow in a Company Name for Investment

29th June 2026

Top Tips to Borrow in a Company Name for Investment

Understanding how company structures work for investment property purchases and the financial implications that matter most to Glen Iris investors.

Image for Unlock the secrets to investment loan applications

21st June 2026

Unlock the secrets to investment loan applications

What lenders assess when reviewing your application for an investment property loan and how to structure your finances accordingly

Image for Investment Loans & Student Accommodation: What to Know

9th June 2026

Investment Loans & Student Accommodation: What to Know

How Richmond investors can structure finance for purpose-built student accommodation properties and what lenders assess differently in this asset class.

Image for Everything You Need to Know About Investment Loan Structures

4th June 2026

Everything You Need to Know About Investment Loan Structures

How the way you structure your investment loan affects tax claims, portfolio growth, and future borrowing capacity for Melbourne property investors.

First Home Buyers

Image for Everything You Need to Know About Buying a Semi-Detached

25th June 2026

Everything You Need to Know About Buying a Semi-Detached

A practical guide for first home buyers in Toorak looking to purchase a semi-detached house with confidence and clarity.

Image for What are Fixed Rate Loans and Offset Accounts?

7th June 2026

What are Fixed Rate Loans and Offset Accounts?

For South Yarra first home buyers, understanding how fixed rates and offset accounts work together can shape your borrowing strategy from day one.

Image for Smart ways to approach your first home purchase

6th June 2026

Smart ways to approach your first home purchase

The most common mistakes Hawthorn first home buyers make when securing finance, and how to avoid them before you commit to a property.

Image for Beginner's Guide to Property Purchase Preparation

3rd June 2026

Beginner's Guide to Property Purchase Preparation

What first home buyers in Kew need to know before applying for a home loan, including deposit options, concessions, and how to build a solid application.

Image for Understanding Fixed Rates & Life Stages for First Buyers

1st June 2026

Understanding Fixed Rates & Life Stages for First Buyers

How choosing the right fixed rate structure for your circumstances can influence affordability and flexibility at every stage of buying your first home in Windsor

Construction Loans

Image for Why Should You Consider Construction Finance for Investment?

19th June 2026

Why Should You Consider Construction Finance for Investment?

How construction loans work when building an investment property and what Glen Iris investors need to know before they start

Image for Common Mistakes with Multi-Unit Development Loans

17th June 2026

Common Mistakes with Multi-Unit Development Loans

What Malvern developers need to know about construction finance structures, draw schedules, and lender requirements before committing to a multi-unit project.

Image for When to Apply for Building Finance in Balwyn

31st May 2026

When to Apply for Building Finance in Balwyn

Understanding construction loan requirements, progressive drawdown schedules, and what lenders assess before approving your new home project in Balwyn.

SMSF Loans

Image for Everything You Need to Know About SMSF Office Loans

2nd June 2026

Everything You Need to Know About SMSF Office Loans

A clear guide to using your self-managed super fund to purchase commercial office property, including structures, lender requirements, and what Malvern East buyers need to consider.

Bridging Loans

Image for Common Mistakes When Using Bridging Loans for Apartments

29th May 2026

Common Mistakes When Using Bridging Loans for Apartments

Understanding how bridging finance works when you're buying an apartment in Burwood before your current property settles can protect you from unexpected costs and delays.

Recent Articles

Image for Victoria's Buyer's Market: How to Snap Up Opportunity If You Structure It Right

2nd July 2026

Victoria's Buyer's Market: How to Snap Up Opportunity If You Structure It Right

Victoria's softer market has created real negotiating power for buyers, and here's how to structure your finance to take advantage of it.

Image for SMSF Residential Lending Is Going – Commercial Is Still Open for Business

24th June 2026

SMSF Residential Lending Is Going – Commercial Is Still Open for Business

The SMSF residential LRBA ban leaves commercial property lending untouched. Here is what Melbourne investors and business owners need to know.

Image for If You Have An ATO Payment Plan It Is Now One of the Most Expensive Debts You Hold – Here's What to Do About It

19th June 2026

If You Have An ATO Payment Plan It Is Now One of the Most Expensive Debts You Hold – Here's What to Do About It

What the removal of GIC deductibility means for Melbourne business owners on ATO repayment plans, and how property equity could be the answer

Image for Market Update June 2026

17th June 2026

Market Update June 2026

Winter is here. Actually, it’s been here for a while (as far as the market is concerned!)

Image for Buying Investment Property in a Company Name in 2026: Is It Right for You?

12th June 2026

Buying Investment Property in a Company Name in 2026: Is It Right for You?

How the 2026 Budget changes are prompting investors to reconsider companies, trusts and personal ownership when buying investment property.

Image for Ditching Residential? How to Pivot to Commercial Property Investment

4th June 2026

Ditching Residential? How to Pivot to Commercial Property Investment

Learn why the 2026 Budget's negative gearing changes make commercial property an option for Melbourne investors.

Image for Why

2nd June 2026

Why "New Builds" Are a Silver Lining in the 2026 Budget

The 2026 federal Budget preserved full negative gearing and CGT flexibility for eligible new builds. Here is what Melbourne investors need to know and how to finance them.

Image for What Business Owners Should Know Before Starting a Commercial Fitout

27th May 2026

What Business Owners Should Know Before Starting a Commercial Fitout

How early planning, budgeting and finance decisions can shape the success of your next fitout.

Image for The Easiest Way to Buy Before You Sell in Glen Iris

27th May 2026

The Easiest Way to Buy Before You Sell in Glen Iris

How bridging finance lets Glen Iris homeowners secure their next property without the pressure of selling first

Image for Investment Duplex Loans & Common Mistakes to Avoid

26th May 2026

Investment Duplex Loans & Common Mistakes to Avoid

What Canterbury investors need to know about structuring finance for a duplex purchase, including deposit requirements, rental income treatment and recent tax changes.

Image for When to Apply for Investment Loan Pre-Approval

25th May 2026

When to Apply for Investment Loan Pre-Approval

Pre-approval gives property investors conditional borrowing capacity before committing to a purchase, but understanding how it works and how long it remains valid determines whether it genuinely helps your strategy.

Image for Refinancing Mistakes When Adding an Offset Account

24th May 2026

Refinancing Mistakes When Adding an Offset Account

Why choosing the wrong offset structure when you refinance can cost Richmond borrowers thousands in wasted interest and forgotten features.

Image for Smart ways to approach Commercial Loan Terms

23rd May 2026

Smart ways to approach Commercial Loan Terms

Understanding repayment structures, interest options, and loan flexibility can determine whether your commercial property purchase strengthens or strains your business cash flow.

Image for Everything You Need to Know About Medical Practice Loans

22nd May 2026

Everything You Need to Know About Medical Practice Loans

A comprehensive guide to financing the purchase of a medical practice building in Armadale, covering loan structures, security options, and how lenders assess medical property transactions.

Image for The 2026 Property Playbook: Why your SMSF should probably buy your next investment property

21st May 2026

The 2026 Property Playbook: Why your SMSF should probably buy your next investment property

The 2026 federal Budget excluded SMSFs from its broad investment tax changes. Here is what that means for Melbourne property investors.

Image for Common Mistakes Property Investors Make with Loans

21st May 2026

Common Mistakes Property Investors Make with Loans

Understanding loan structure, repayment types, and lender selection can help Melbourne investors avoid costly errors that undermine portfolio growth and wealth creation.

Image for Avoid These 5 Mistakes When Timing Your Investment

20th May 2026

Avoid These 5 Mistakes When Timing Your Investment

Understanding when to buy and how to structure your investment loan can make a substantial difference to your portfolio growth and financial position.

Image for Grandfathered properties: To sell or refinance?

19th May 2026

Grandfathered properties: To sell or refinance?

What the 2026 Federal Budget's negative gearing changes mean for Melbourne property investors, and why refinancing could be your next smart move.

Image for Do you know what lenders check for investment loans?

19th May 2026

Do you know what lenders check for investment loans?

Understanding the approval criteria and financial assessment that determines whether your property investment loan application succeeds in Malvern's competitive market.

Image for Smart ways to pay down your home loan faster

18th May 2026

Smart ways to pay down your home loan faster

Extra repayment strategies that build equity and reduce interest costs for Windsor property owners on owner occupied home loans

Image for SMSF Loans to Purchase Investment Property in Melbourne

17th May 2026

SMSF Loans to Purchase Investment Property in Melbourne

How to use a Self-Managed Super Fund to acquire residential or commercial investment property in Melbourne through a Limited Recourse Borrowing Arrangement.

Image for How to Finance a Holiday Rental Investment Property

16th May 2026

How to Finance a Holiday Rental Investment Property

Understanding investment loan features and structuring options when purchasing a coastal or regional holiday rental property in your portfolio

Image for Using Your Super to Purchase a Unit in Camberwell

15th May 2026

Using Your Super to Purchase a Unit in Camberwell

How a Self-Managed Super Fund loan works when you're buying a residential unit, including what Camberwell buyers need to know about structure and compliance.

Image for Investment Loans for Units in Armadale

14th May 2026

Investment Loans for Units in Armadale

How to structure property investment finance when buying an apartment in one of Melbourne's established inner-city suburbs with strong rental demand.

Image for Home Loan Structure Options to Match Your Goals

13th May 2026

Home Loan Structure Options to Match Your Goals

Understanding how to structure your home loan affects your repayments, flexibility and long-term wealth building in Balwyn's property market.

Image for Investment Loans for Burwood Property Investors

12th May 2026

Investment Loans for Burwood Property Investors

Understanding your investment loan options and how to structure finance for property investment opportunities in one of Melbourne's well-established suburbs.

Image for What rising interest rates mean for Melbourne property investors and homeowners

11th May 2026

What rising interest rates mean for Melbourne property investors and homeowners

What the RBA's third consecutive rate rise means for your mortgage and your property position.

Image for Purchasing an Aged Care Facility in Malvern East

11th May 2026

Purchasing an Aged Care Facility in Malvern East

How commercial property finance works when acquiring aged care facilities, with specific loan structures and approaches for property investment in Melbourne's eastern healthcare sector.

Image for How to Purchase a Warehouse with Commercial Finance

10th May 2026

How to Purchase a Warehouse with Commercial Finance

A practical guide to warehouse financing in Richmond, covering loan structures, deposit requirements, and what lenders assess when you're acquiring industrial property.

Image for Duplex Purchase Guide for First Home Buyers in Toorak

9th May 2026

Duplex Purchase Guide for First Home Buyers in Toorak

Understanding deposit structures, Lenders Mortgage Insurance, and Home Loan options when your first property is a duplex in one of Melbourne's most established suburbs.

Image for Construction Loan Management: What Brighton Clients Must Know

8th May 2026

Construction Loan Management: What Brighton Clients Must Know

Managing progressive drawdowns and payment schedules requires precision. Understanding how construction funding works protects your build from delays and unexpected costs.

Image for Knockdown Rebuild Finance in Malvern: How It Works

7th May 2026

Knockdown Rebuild Finance in Malvern: How It Works

Understanding construction funding structures, progressive drawdowns, and timing requirements when financing a knockdown rebuild project on your Malvern property.

Image for How to Structure an Investment Loan for Property Growth

6th May 2026

How to Structure an Investment Loan for Property Growth

Understanding the difference between interest only, principal and interest, and split structures can determine whether your investment property builds wealth or restricts your borrowing capacity.

Image for Home Loan Costs and Fees: What You'll Actually Pay

5th May 2026

Home Loan Costs and Fees: What You'll Actually Pay

Understanding the full cost of a home loan means looking beyond the interest rate to upfront charges, ongoing fees, and the structure that determines your total repayments.

Image for Melbourne homeowners may be wealthier than they realise

4th May 2026

Melbourne homeowners may be wealthier than they realise

Most Melbourne homeowners who bought in the last decade are sitting on more equity than they realise.

Image for Investment Loans: Why Windsor Buyers Choose Property Finance

4th May 2026

Investment Loans: Why Windsor Buyers Choose Property Finance

Purchasing an investment property in Windsor requires understanding loan structures, deposit options, and how lenders assess rental income in this high-demand suburb.

Image for Pharmacy Building Finance in Surrey Hills

3rd May 2026

Pharmacy Building Finance in Surrey Hills

How secured business loans structure the purchase of a pharmacy property, from deposit requirements to commercial lending terms that suit owner-operated healthcare businesses.

Image for Finance Options for Purchasing a Hotel Property

2nd May 2026

Finance Options for Purchasing a Hotel Property

How commercial lending structures work when acquiring hotel and hospitality businesses, with insights for Richmond property investors.

Image for First Home Buyer Property Purchase Preparation in Camberwell

1st May 2026

First Home Buyer Property Purchase Preparation in Camberwell

Preparing for your first property purchase in Camberwell requires understanding deposit pathways, loan structures, and government schemes that align with local market conditions.

Image for Buying an investment property in a trust: pros, cons and what your broker needs to know

30th April 2026

Buying an investment property in a trust: pros, cons and what your broker needs to know

How trust structures work for property investment, including tax benefits, lending considerations and what Melbourne investors should weigh up.

Image for Why Variable Rate Investment Loans Work for Toorak Investors

30th April 2026

Why Variable Rate Investment Loans Work for Toorak Investors

Understanding variable rate loan terms for investment properties and how repayment flexibility supports portfolio growth in one of Melbourne's premium property markets.

Image for How to Finance a Car Dealership Purchase in Balwyn

29th April 2026

How to Finance a Car Dealership Purchase in Balwyn

Understanding commercial property finance and loan structure when acquiring an automotive business in Melbourne's established eastern suburbs.

Image for Emergency property purchase funding in Surrey Hills

28th April 2026

Emergency property purchase funding in Surrey Hills

When you need to secure a Surrey Hills property before selling your current home, bridging finance provides the short term solution that makes it possible.

Image for Commercial Development Finance in South Yarra

27th April 2026

Commercial Development Finance in South Yarra

Understanding how staged funding, land value, and presale requirements work when you're building or redeveloping commercial property in one of Melbourne's premium postcodes.

Image for Commercial Debt Restructuring in Carnegie

26th April 2026

Commercial Debt Restructuring in Carnegie

When your commercial property is performing but the loan structure isn't, restructuring can preserve cash flow without forcing a sale.

Image for Apartment Home Loans: A Guide for Melbourne Buyers

25th April 2026

Apartment Home Loans: A Guide for Melbourne Buyers

From loan to value ratios to strata reports, apartment purchases introduce lender requirements and approval conditions that differ substantially from houses.

Image for Land Purchase for Apartment Construction Financing

24th April 2026

Land Purchase for Apartment Construction Financing

How construction finance works when purchasing land specifically for apartment development in Hawthorn, including progressive drawdowns and approval requirements.

Image for Fixed Rate Investment Loans and Extra Repayments

23rd April 2026

Fixed Rate Investment Loans and Extra Repayments

Understanding how fixed rate investment loans handle additional payments and what Malvern East property investors need to know before choosing between rate types.

Image for The investor's guide to refinancing for equity release

22nd April 2026

The investor's guide to refinancing for equity release

How Brighton property owners are using refinancing to fund their next investment without selling their current home.

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