Insights
Insights on lending and property.
Articles from Danny Saputra on loan structuring, refinancing, SMSF lending, asset finance and the property market, written for Australian borrowers and property investors. Each article is general information only and is reviewed when market conditions change.
Credit is subject to lender criteria, assessment and approval. Fees, charges and eligibility criteria may apply.
Investment
What Is Loan Structuring, and Why Does It Matter for Investors?
Loan structuring is how your loans are set up: lenders, securities, splits, offsets and repayments. Why it matters when you plan to buy more than one property.
· 3 min read
Investment
Cross-Collateralisation: What It Is and How to Avoid It
Cross-collateralisation ties properties to the same loans. How it happens, why it can make selling or refinancing harder, and the standalone alternative.
· 3 min read
SMSF
Refinancing an SMSF Loan: What Trustees Should Know
Why SMSF trustees refinance, what lenders look at, the rules a refinance must follow, and the costs to weigh before moving an SMSF loan to another lender.
· 3 min read
Investment
Borrowing to Buy Property Through a Company or Trust
How lending works when a company, family trust or unit trust buys property: what lenders need, personal guarantees, and why the buyer on the contract matters.
· 3 min read
Market Update
Federal Budget 2026: What the New Property Tax Changes Mean for Australian Investors
The 2026 Federal Budget has introduced some of the most significant proposed property tax reforms Australia has seen in decades. Here is what it means for you.
· 3 min read
Refinancing
Is Your Home Loan Rate Still Competitive?
Many homeowners are on rates that no longer reflect the market. Here is how to check whether your home loan rate is still competitive.
· 2 min read
Refinancing
What Is LVR and Why Does It Matter for Your Refinance?
Your Loan-to-Value Ratio affects the rates and options available to you. What LVR means, how to calculate yours, and what lenders look for.
· 1 min read
SMSF
SMSF Property Loans: What You Need to Know
Borrowing through a Self-Managed Super Fund comes with specific rules, structures and lender requirements. What SMSF trustees should understand before applying.
· 2 min read
Refinancing
Can You Refinance Without Payslips or Financial Statements?
Many homeowners assume refinancing means mountains of paperwork. For eligible borrowers with equity and a clean repayment history, there may be a simpler path.
· 1 min read
Asset Finance
How Business Owners Can Use Asset Finance
Waiting to save up for a new vehicle or piece of equipment? Asset finance lets you access the tools you need now, without tying up your working capital.
· 1 min read
Market Update
RBA Rate Cuts: What It Actually Means for Your Mortgage
When the Reserve Bank moves rates, your lender does not always pass it on in full. What the gap between the cash rate and your rate means for you.
· 1 min read
Investment
Building a Property Portfolio: From One to Many
The jump from one investment property to two, three and beyond is not about luck. It is about how you structure your loans from the very beginning.
· 1 min read
General information only, not personal advice.
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