What we cover, and why it matters now.
Most lending problems are presentation problems. A strong borrower with untidy financials, a lease shorter than the loan or a loan structure that mixes personal and investment debt can be declined or offered less than they need. These articles explain how lenders actually assess you, from self-employed income to pharmacy goodwill.
We arrange credit as a credit representative of LMG Broker Services, with access to more than 60 banks and lenders, and our brokers work beside the firm’s accountants — so the loan is shaped around your tax position and your plans, not just today’s rate. See our lending services or run the numbers with our calculators.
6 articles and guides
Home loans for the self-employed: how lenders really assess business owners
How banks assess self-employed and business-owner income for a home loan: tax returns, add-backs, trust and company income, low-doc options and how to prepare.
Read the article →Offset account vs redraw: why the difference matters at tax time
Offset accounts and redraw facilities both save interest, but they are treated very differently for tax. When to use each, and the redraw mistake that costs investors deductions.
Read the article →Refinancing your home loan: when switching lenders is worth it
When refinancing your home or investment loan is worth it: rate gaps, break costs, LMI, discharge fees, cashback offers and asking your current lender to reprice first.
Read the article →The 5% Deposit Scheme in Melbourne: who qualifies and how it works
How the 5% Deposit Scheme works for Melbourne and Victorian first home buyers in 2026: no income caps, the $950,000 Melbourne price cap, no LMI, and how it combines with stamp duty relief.
Read the article →Buying a pharmacy in Victoria: the 12-month runway
Ownership rules, equity readiness, due diligence, structure and finance — in the order they need to happen.
Read the guide →What lenders actually look at in a pharmacy goodwill submission
Script volumes and GP percentage are the headline. Applications stall further down the page.
Read the article →When you’re ready to act on it.
Keep exploring
Property
Negative gearing, rentvesting, ownership structures, auctions and the rules Victorian landlords now live with …
Browse →TopicFinancial planning
Super contributions, the new tax on large balances, protecting your income and what the 2027 capital gains cha…
Browse →TopicPharmacy & business
Buying, structuring, financing and eventually selling a pharmacy or owner-operated business — our deepes…
Browse →Twenty minutes. No invoice.
Tell us where you are and we will tell you, honestly, whether we can improve on what you have.