Latest Articles from T&T Financial Group

27th October 2026

Construction Loan Rates & Everything You Need to Know

Understanding how construction loan rates work, what you'll actually pay during the build, and how to structure your finance for a smoother process.

15th September 2026

Beginner's Guide to Progressive Drawdown

Understanding how construction loans release funds in stages, what happens at each inspection, and how to plan your budget through the build.

23rd June 2026

The Easiest Way to Finance a House and Land Package

How construction loans work when you're buying land and building your new home, from contract to completion.

2nd June 2026

Avoid These 5 Extension Financing Mistakes

Construction loans for home extensions require different approval criteria, drawdown structures, and documentation than standard home loans.

20th October 2026

What Are the Steps in a First Home Buyer Checklist?

A clear guide to preparing for your first home purchase, from understanding your budget to choosing the right loan structure for your situation.

9th September 2026

Smart ways to approach your first terrace house purchase

Borrowing for a terrace as a first home buyer in Melbourne involves different considerations to units or detached houses, from deposit structures through to loan features.

13th October 2026

Understanding the Basics of Business Loan Assessment

How lenders review your application, what they look for in your financials, and how to prepare before you apply.

6th October 2026

What Not to Miss When Buying a Hospitality Venue

Commercial finance for cafes, restaurants, and pubs works differently to residential lending, and the structure you choose affects cash flow from day one.

11th August 2026

Top tips to finance a mixed-use development purchase

How to structure a commercial property loan when your building combines retail, office, and residential space under one title in Melbourne

1st July 2026

10 Steps to Finance an Industrial Estate Purchase

How commercial property finance works when acquiring industrial estates in Melbourne, from structuring the loan to settlement and beyond.

30th September 2026

What Are the Costs of Buying a Home with a Backyard?

Understanding deposit requirements, stamp duty concessions, and loan options when purchasing a Melbourne property with outdoor space for your family.

26th August 2026

Common Mistakes When Applying for a Home Loan

Understanding serviceability assessment means knowing what lenders look for before you apply, and how to present your financial position clearly.

19th August 2026

Unlock the secrets to Home Loans for Every Property Type

Different property types need different loan structures. Understanding how lenders assess houses, apartments, rural land, and new builds helps you secure the right finance.

5th August 2026

The easiest way to use offset with a fixed rate

Understanding how offset accounts and fixed rate home loans work together, and when a split loan structure makes sense for your situation.

23rd July 2026

Interest Rate Impact on Borrowing Capacity

Understanding how small shifts in interest rates can change how much you can borrow and what that means for your property plans.

8th July 2026

Do you know what lenders look for in a three bedroom loan?

Finding the right home loan for a three bedroom property means matching your borrowing to how you'll use the space and where it sits in your ownership journey.

16th June 2026

Everything You Need to Know About Home Loan Costs and Fees

Understanding upfront charges, ongoing costs, and discharge fees helps you budget accurately and compare home loan products on total cost, not just the interest rate.

9th June 2026

Do You Know What Mortgage Features Actually Matter?

Understanding which home loan features add value to your situation helps you choose a product that works with your finances, not against them.

23rd September 2026

Top tips to finance plant equipment in Melbourne

A practical guide to funding excavators, cranes, tractors and other heavy machinery without draining your working capital.

1st September 2026

Top tips to finance salon equipment in Melbourne

How Melbourne salon owners can upgrade chairs, basins, and styling stations without draining working capital or waiting until you have cash on hand.

15th July 2026

Unlock the secrets to buying new business equipment

How equipment finance helps Victorian businesses acquire the machinery, technology, and vehicles they need without tying up working capital or waiting to save.

28th July 2026

Top tips to understand variable rate investment loans

What to look for in a variable rate product when you're building a property portfolio or refinancing your rental

13th May 2026

What the 2026-27 Federal Budget means for property borrowers

Negative gearing, capital gains tax, and what has not changed

13th May 2026

What the 2026-27 Federal Budget means for property borrowers

Negative gearing, capital gains tax, and what has not changed

13th May 2026

What the 2026-27 Federal Budget means for property borrowers

Negative gearing, capital gains tax, and what has not changed

13th May 2026

What the 2026-27 Federal Budget means for property borrowers

Negative gearing, capital gains tax, and what has not changed

19th October 2026

Keen to save on your purchase? Seller discounts just hit a 5-year high

Eager to score a price discount on your home purchase? Of course you are. We reveal how much of a discount sellers are currently offering – and what you can do to flex your negotiating muscle.

13th October 2026

A record 82% of home loans rely on mortgage brokers. Here’s why.

What does Australia have in common with the United Kingdom and the Netherlands? In all three countries brokers facilitate more than 80% of new mortgages. We explain why.

7th October 2026

What does a good home loan rate look like now?

A fourth rate rise for 2026 has just made checking your home loan rate a priority. But what does a ‘good’ rate look like right now? We reveal what’s currently a competitive rate, and how you may be able to land one.

29th September 2026

RBA hikes cash rate for fourth time this year, up to 4.60%

Here we go again … The Reserve Bank of Australia (RBA) has raised the cash rate for a fourth time this year to 4.60%. Check out this week’s article to find out why they felt the need to pass on more borrowing pain to mortgage holders.

23rd September 2026

How you could still negatively gear a rental property

The federal budget introduced major tax reforms for property investors, but it may still be possible to enjoy the potential tax benefits of negative gearing. Here’s how it could be done.

15th September 2026

Why holding out for lower prices could hurt first home buyers

In today’s easing market, it may be tempting to wait for property prices to fall further. But it’s a strategy that could see first home buyers left disappointed. We explain why.

8th September 2026

Spring selling season is here. What’s different in 2026?

Australia’s peak property season is underway, and spring 2026 is shaping up as a buyers’ market. Here’s what the experts say we can expect in the weeks ahead.

1st September 2026

Could rates lift off again before Xmas? Here’s how to prepare

Several of the big banks have pivoted on their rate outlook, and are now predicting rate hikes (rather than no change or a fall) this side of Christmas. It could be a cue for homeowners to plan rather than panic.

25th August 2026

Could you spot a property scam? Spoiler alert: over 2 in 5 can’t

Property transactions involve big bucks – and that makes them a big target for scammers. With large sums of money at stake, we reveal what to look out for, and how to protect yourself from property settlement scams.

19th August 2026

The silver lining of a cooling property market for home owners

While rising prices were the talk of the town not so long ago, the tide has started to turn, with property values beginning to soften – but it’s not all bad news for home owners.

11th August 2026

What’s a competitive rate right now? Nearly 50 lenders offer variable rates below 6%

Great news! Homeowners can breathe a sigh of relief, with the Reserve Bank of Australia (RBA) keeping the cash rate on hold in August. But just because the cash rate is sitting tight, doesn’t mean you have to.

4th August 2026

Was your offset account flagged in the ASIC investigation?

So it turns out some mortgage offset accounts haven’t been working as intended, according to a recent investigation. Here’s how to check if your home loan offset account has actually been helping you save.

29th July 2026

How to avoid this common home buyer trap

Waiting for home prices to ‘bottom out’ before buying may seem like a smart strategy but it could work against you. Here are the risks of holding out and hoping for lower prices.

21st July 2026

Great news for buyers: property listings spike, FOMO dials down

Things are looking up for homebuyers. New listings are on the rise, and that can mean more choice and less FOMO pressure for buyers. Here’s how the shift in today’s market could benefit your homebuying plans.

14th July 2026

Lenders cut rates as competition heats up

The Reserve Bank may have kept rates on hold in June, but a growing number of lenders have cut their home loan interest rates. This could be your sign to review your current loan.

7th July 2026

Bank of Mum and Dad: why a written agreement can make sense

With more first home buyers relying on family support to get into the market, we explain why it may be beneficial to put the details in writing if Mum and Dad offer a financial helping hand. 

30th June 2026

New financial year, new reasons to review your home loan

As the calendar flips over to July, now’s a good time to give your home loan a once-over. We look at five strategies that could help you save on interest and pay off your mortgage sooner.

24th June 2026

How the property market is shaping up in your area post budget night

It’s just over a month since the Federal Government unveiled its tax reforms on budget night. Here’s how property values are responding across the major cities.

16th June 2026

Record smashed: over 80% of buyers turn to a broker for help

The mortgage broking industry has notched up an exciting record with the news that brokers now account for 81% of Australia’s residential lending market. Here’s why.

9th June 2026

5 tips to help you clear your mortgage by retirement

Worried you’ll still be paying off your mortgage in retirement? New research shows you’re not alone. Here are five tips to help clear the slate before you hang up your work boots.

2nd June 2026

Not a housing “crash” – easing growth and plenty of buying opportunities

House price growth is slowing but experts say not to expect a crash. We look at what’s changed, and why today’s market may offer good opportunities for homebuyers.

27th May 2026

How to Secure a Loan for Your New Business

What you need to know about securing finance when starting a business, from loan structures to the documents lenders require.

26th May 2026

Gen Z races into the property market

A few tweaks to a popular first home buyer scheme has driven a “surge” in Gen Zs buying their first home. And it’s not the only upside giving first home buyers a boost now.

20th May 2026

Home loan interest rate rising? There may be other options

It was great while it lasted, but the rate cut party is well and truly over. Today we look at how you could potentially reduce your home loan interest rate without relying on the Reserve Bank.

20th May 2026

Top tips to understand property valuation for home loans

How lenders assess property value, why it affects your borrowing capacity, and what to do when the valuation falls short

13th May 2026

Federal Budget 2026: how it could affect your property plans

Reforms to negative gearing and capital gains tax have been unveiled in the latest national budget. Here’s what they could mean for investors, first home buyers and home owners.

6th May 2026

What is an Offset Account and Does it Save Money?

How offset accounts work with your home loan, how much you could reduce in interest, and when linking one makes financial sense.

5th May 2026

Cash rate increases for the third time this year, now up to 4.35%

The hits just keep coming for mortgage holders, with the Reserve Bank of Australia (RBA) today raising the cash rate for a third time this year to 4.35%. If you’re starting to struggle with your mortgage repayments, here’s how you can potentially take act

29th April 2026

How to turn your new-build dreams into reality

29th April 2026

Finance to Purchase a Medical Practice Building

Understand how secured and unsecured business loans work when acquiring a medical practice property, with specific loan structures for healthcare professionals.

22nd April 2026

Could your home loan pre-approval be out of date?

Having loan pre-approval can be a smart move for home buyers. But the recent Reserve Bank cash rate hikes could leave your pre-approval in need of an update.

22nd April 2026

Asset Finance for Security Systems: Purchase Options

How Melbourne businesses can fund commercial security installations without disrupting cashflow, from basic alarm systems to integrated surveillance networks.

15th April 2026

Why buyers are defying rate hikes and rising fuel prices

Rate hikes and soaring fuel prices aren’t dampening home buyer enthusiasm, with a strong majority of Aussies still believing the time to buy is now. We look at why home-buying sentiment remains so high.

15th April 2026

Unlock the Secrets to Purchasing a Trade Business

Discover how strategic business financing can help you acquire a plumbing, electrical, or construction business and build a rewarding future in the trades.

8th April 2026

One-in-five investors snatch up interstate properties

Is the grass really greener on the other side? Maybe. Australia has seen a surge of investor activity in recent years, with investment loans reaching record highs. But as home prices rise, plenty of investors are looking beyond their own backyard and maki

7th April 2026

Smart Ways to Fund Your Business Inventory Purchases

Discover how the right business finance solution can help you stock up, maintain cash flow, and seize growth opportunities.

1st April 2026

5% Deposit Scheme helps more than 300,000 Aussies buy a first home

Buying a first home doesn’t have to mean years of eating beans on toast while you scrape together a 20% deposit. Here’s how you could break into the property market with just a 5% deposit. 

1st April 2026

Investment Loans and Buying an Investment Apartment

A comprehensive guide to securing investment property finance for your apartment purchase and building wealth through property investment strategy

25th March 2026

Good news for buyers – surge in homes hitting the market

If you’re in the market for a home, you may have noticed there hasn’t always been a whole lot of choice in recent months. Fortunately, it looks like property listings are really starting to pick back up. Here’s how to make the most of the increase in choi

25th March 2026

How to Finance a Semi Truck Purchase for Your Business

Discover asset finance solutions to purchase your semi truck while preserving working capital and supporting your business growth.

20th March 2026

When to Consider Asset Finance for Purchasing Machinery

Discover how asset finance can help your business acquire essential machinery while preserving working capital and maintaining healthy cash flow.

20th March 2026

Property Ownership: Smart Tips to Secure Your Future

Understanding home loan options and features helps Melbourne residents and Australians nationwide achieve home ownership and build lasting financial stability.

19th March 2026

Guide to Purchasing a Used Car with Car Finance

Discover how to secure the right car loan for your used vehicle purchase and make informed decisions throughout the application process.

18th March 2026

Top 10 Tips for First Home Buyers Purchasing a Terrace House

Your complete guide to securing finance and understanding home loan options when buying your first terrace house in Melbourne and across Australia.

17th March 2026

Double trouble! RBA lifts cash rate by another 25 basis points to 4.10%

More bad news for mortgage holders around the country: the Reserve Bank of Australia (RBA) today raised the cash rate for the second time this year to 4.10% in a 5-4 split decision vote. How might this impact your monthly mortgage repayments?

11th March 2026

Offset accounts surge as homeowners race to beat higher rates

Who wouldn’t want to save on home loan interest and pay off their mortgage faster? Homeowners are increasingly turning to offset accounts to do just that. So today we’ll look into whether an offset account could benefit you.

11th March 2026

Smart Ways to Approach Investment Loan Approval

Understanding how to secure investment loan approval helps property investors access the finance they need to build wealth through property.

4th March 2026

How first home buyers can buy up to five years sooner

As home prices climb higher, first home buyers can feel like the goal posts are continually shifting further out of reach. But there is a way to potentially cut years off the time taken to buy a home.

4th March 2026

How Rate Lock-ins and Break Costs Operate for Home Loans

Understanding rate lock-ins and break costs is crucial when selecting a fixed interest rate home loan that suits your financial goals.

25th February 2026

How much do you need to earn to buy a home in 2026?

Sure, saving a deposit is important, but your income can hold the real key to getting into the market. That’s because it shapes your borrowing power.

24th February 2026

The Complete Way to Access First Home Buyer Support

Understanding government schemes, grants and concessions available to help you secure your first property in Australia.

18th February 2026

Thinking of a tree change? You might find more affordable homes

Growing numbers of younger Australians are opting for regional living, and part of the lure of a ‘seachange’ or ‘treechange’ can be the chance to get more bang for your buck.

18th February 2026

How to Buy a Home Closer to Family with the Right Loan

Discover home loan options and strategies to help you relocate closer to loved ones while achieving property ownership goals.

11th February 2026

Construction Loans and Duplex Development Finance

Understanding how construction finance works for duplex projects, from land acquisition to completion and everything in between.

10th February 2026

Which generation tops housing wealth in Australia?

Myth busted! Baby Boomers no longer own the bulk of housing wealth in Australia. We reveal who does, and how you could get started in the property market.

3rd February 2026

Avoid These Construction Loan Monitoring Mistakes

Understanding construction loan monitoring protects your investment and ensures smooth progress payments throughout your building project

3rd February 2026

RBA hikes the cash rate by 25 basis points to 3.85%

Bad news for mortgage holders around the country: the Reserve Bank of Australia (RBA) today raised the cash rate by 25 basis points to 3.85%. Today we’ll look at why it did so, and how this rate hike could impact your monthly mortgage repayments.

28th January 2026

How high are property prices predicted to go in 2026?

After a lengthy run of rising prices in 2025, some pundits are tipping property prices could keep climbing in 2026. Today we’ll take a sneak peek inside the experts’ crystal ball – and what it could mean for your home buying plans.

28th January 2026

The Pros and Cons of Asset Finance for Kitchen Equipment

Discover how asset finance can help your business purchase or upgrade commercial kitchen equipment across Australia.

21st January 2026

Roll up those sleeves – a renovation renaissance is slated for 2026

A renovation boom may loom, with plenty of home owners choosing to renovate rather than relocate this year. So if you have plans for home improvements, it’s worth knowing how to fund your project.

21st January 2026

Smart ways to finance medical equipment for your practice

Discover how equipment finance can help Melbourne healthcare professionals acquire essential medical equipment without compromising cashflow management.

15th January 2026

Top tips to secure Asset Finance for machinery purchases

Learn how Asset Finance can help Australian businesses purchase essential machinery and equipment with flexible repayment options.

14th January 2026

Nurses, teachers or CEOs: which occupation boasts more property investors?

Owning an investment property isn’t limited to the uber-rich. In fact, investors are usually people you interact with daily. Today, we’ll reveal which occupations are the nation’s most prolific property investors, and how you could potentially join them.

7th January 2026

Aussie home owners just got $82,000 richer on average

What a way to start the new year! After a strong 12 months in the property market, plenty of homeowners around the nation are now a whole lot wealthier. And their newfound increase in home equity has opened up some exciting possibilities for 2026.

6th January 2026

Smart ways to approach Apartment vs House Financing

Understanding the key differences in home loan requirements and considerations when financing apartments versus houses in Australia.

30th December 2025

Happy New Year! Let’s discuss some potential 2026 goals

There’s nothing quite like a New Year’s resolution to fire you up for another lap around the sun. Whether you’re looking to buy your first home, save on your mortgage, or leverage the equity in your current position, here are three resolutions to consider

30th December 2025

What to Know Before Applying for Your First Business Loan

Essential information about securing business finance for your new venture in Australia