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Latest Articles from Trewin Mortgage Broking

Check out the latest blog posts from Trewin Mortgage Broking

Featured Articles

Image for Family Loan Agreement and How Not to Risk Your Deposit

14th September 2026

Family Loan Agreement and How Not to Risk Your Deposit

When family steps in to help with a home deposit, the agreement needs to satisfy your lender's requirements or the purchase falls over.

Image for Smart Ways to Source an SMSF Loan Deposit

9th September 2026

Smart Ways to Source an SMSF Loan Deposit

Understand where your deposit can come from, how contribution caps work, and what lenders actually look for when you're buying property through your super fund.

Image for Unlock the secrets to owning your first home in Bairnsdale

7th September 2026

Unlock the secrets to owning your first home in Bairnsdale

The financial and lifestyle advantages of buying your first home in East Gippsland, and how to access them with confidence.

Image for What Are Capital Works Restrictions Under an LRBA?

3rd September 2026

What Are Capital Works Restrictions Under an LRBA?

Why your SMSF loan won't cover property improvements, and what that means when you're buying with borrowed funds inside super.

Investment Loans

Image for Why Should Investment Deposits Be Larger Than Owner Loans?

31st August 2026

Why Should Investment Deposits Be Larger Than Owner Loans?

Most lenders require at least 10% down for investment property, and some scenarios demand more to avoid extra costs or refusal.

Image for Variable Rate Investment Loans and Extra Repayments

29th July 2026

Variable Rate Investment Loans and Extra Repayments

How making additional payments on a variable rate investment loan affects your tax position and why most investors leave the offset account untouched.

Image for Simple Hacks to Maximise Tax Deductions on Investment Loans

22nd June 2026

Simple Hacks to Maximise Tax Deductions on Investment Loans

How to claim what you're entitled to and structure your property investment loan to keep more rental income in your pocket come tax time.

Home Loans

Image for The Pros and Cons of Buying a Holiday Home

17th August 2026

The Pros and Cons of Buying a Holiday Home

What Bairnsdale buyers need to know about lending, rental income, and structuring a loan for a second property

Image for Smart ways to approach Lenders Mortgage Insurance

11th July 2026

Smart ways to approach Lenders Mortgage Insurance

How LMI works, what it costs in Bairnsdale, and whether paying it now or saving longer makes more sense for your situation.

First Home Buyers

Image for Why First Home Buyers Should Know About Break Costs

12th August 2026

Why First Home Buyers Should Know About Break Costs

Fixed rates can feel safe until you need to change your loan. What break costs are, how they're calculated, and when they matter most.

Image for Variable Rate Loans and First Home Buyers in Bairnsdale

8th June 2026

Variable Rate Loans and First Home Buyers in Bairnsdale

What you need to know about choosing a variable rate home loan when buying your first property in East Gippsland.

Car Loans

Image for Why Car Loan Approval Requirements Matter & How to Meet Them

5th August 2026

Why Car Loan Approval Requirements Matter & How to Meet Them

Understanding what lenders look for when assessing your car loan application can save you time, hassle, and help you secure the finance you need.

Refinancing

Image for Smart ways to approach your refinance timeline

3rd August 2026

Smart ways to approach your refinance timeline

Refinancing a home loan typically takes two to six weeks, but the actual time depends on your situation and how prepared you are when you start.

Business Loans

Image for How to Finance a Warehouse Purchase for Your Business

1st July 2026

How to Finance a Warehouse Purchase for Your Business

A practical guide to securing the right loan structure when buying warehouse property, with real-world examples and what lenders actually look for.

Equipment Finance

Image for Simple hacks to compare equipment finance options

29th June 2026

Simple hacks to compare equipment finance options

How to weigh up chattel mortgages, hire purchase, and leasing structures so you fund the right equipment without overpaying or locking yourself into the wrong terms.

Recent Articles

Image for Family Loan Agreement and How Not to Risk Your Deposit

14th September 2026

Family Loan Agreement and How Not to Risk Your Deposit

When family steps in to help with a home deposit, the agreement needs to satisfy your lender's requirements or the purchase falls over.

Image for Smart Ways to Source an SMSF Loan Deposit

9th September 2026

Smart Ways to Source an SMSF Loan Deposit

Understand where your deposit can come from, how contribution caps work, and what lenders actually look for when you're buying property through your super fund.

Image for Unlock the secrets to owning your first home in Bairnsdale

7th September 2026

Unlock the secrets to owning your first home in Bairnsdale

The financial and lifestyle advantages of buying your first home in East Gippsland, and how to access them with confidence.

Image for What Are Capital Works Restrictions Under an LRBA?

3rd September 2026

What Are Capital Works Restrictions Under an LRBA?

Why your SMSF loan won't cover property improvements, and what that means when you're buying with borrowed funds inside super.

Image for Beginner's Guide to Purchasing a Medical Centre

26th August 2026

Beginner's Guide to Purchasing a Medical Centre

What you need to know about commercial finance, property structure, and loan options when buying a medical centre in regional Victoria.

Image for What are Commercial Loan Terms and How Do They Work?

24th August 2026

What are Commercial Loan Terms and How Do They Work?

Understanding the structure, flexibility and repayment options available when borrowing to buy or refinance commercial property in regional Victoria.

Image for Do you know how to fund a retirement home purchase?

20th August 2026

Do you know how to fund a retirement home purchase?

Borrowing after you stop working isn't impossible, but lenders assess retirement income differently. Here's what actually matters when applying.

Image for Variable Rate Loans and First Home Buyers at Different Stages

10th August 2026

Variable Rate Loans and First Home Buyers at Different Stages

How your age, income stability, and life plans should shape the decision between variable and fixed when you're buying your first property.

Image for Simple hacks to fund business inventory fast

27th July 2026

Simple hacks to fund business inventory fast

How Bairnsdale businesses can secure the working capital needed to stock shelves, meet seasonal demand, and grab supplier discounts without draining cash reserves.

Image for What Are the Rules for SMSF Loans in Pension Phase?

22nd July 2026

What Are the Rules for SMSF Loans in Pension Phase?

Moving your self-managed super fund into pension phase changes how your property loan is taxed, but the rules aren't always straightforward.

Image for Top 10 Ways Home Loan Costs and Fees Add Up

20th July 2026

Top 10 Ways Home Loan Costs and Fees Add Up

Understanding upfront charges, ongoing fees, and hidden costs that can change what you actually pay for your home loan

Image for When to Rethink Your Investment Property Strategy

15th July 2026

When to Rethink Your Investment Property Strategy

Why Bairnsdale investors are pausing, adjusting, and planning ahead in a shifting landscape of tax rules and borrowing caps.

Image for The Pros and Cons of Positive Gearing in Property

13th July 2026

The Pros and Cons of Positive Gearing in Property

How positive gearing builds wealth without the tax loss, what it demands upfront, and whether it fits your investment strategy today.

Image for How to Understand Rate Lock-ins & Break Costs

6th July 2026

How to Understand Rate Lock-ins & Break Costs

What happens when you fix your investment loan rate, and what it costs if you need to exit early or refinance before the term ends.

Image for Proven tips to manage investment loan risks properly

24th June 2026

Proven tips to manage investment loan risks properly

How Victorian property investors can protect their portfolio, navigate rate changes, and avoid the mistakes that turn solid investments into stress.

Image for Beginner's Guide to Starting a New Business

17th June 2026

Beginner's Guide to Starting a New Business

What you need to know about funding a startup, from loan structures to approval criteria, explained without the jargon.

Image for When to Finance Salon Equipment Instead of Paying Cash

15th June 2026

When to Finance Salon Equipment Instead of Paying Cash

How Bairnsdale salon owners can fund chairs, basins, and styling stations while protecting cashflow and claiming tax deductions.

Image for Smart ways to approach crane finance in Bairnsdale

10th June 2026

Smart ways to approach crane finance in Bairnsdale

How equipment finance structures affect your cashflow when you're buying a crane for construction, logistics, or civil work in East Gippsland

Image for What Are Commercial Property Acquisition Loans?

3rd June 2026

What Are Commercial Property Acquisition Loans?

A practical guide to securing finance when buying commercial property, from understanding loan structures to what lenders actually assess.

Image for The easiest way to buy a villa as a first home buyer

1st June 2026

The easiest way to buy a villa as a first home buyer

Villas offer lower maintenance and a solid entry point, but lending rules and body corporate costs can catch first-timers off guard if you're not prepared.

Image for Avoid These 3 Mistakes When Choosing Your Loan Type

27th May 2026

Avoid These 3 Mistakes When Choosing Your Loan Type

Fixed, variable, or split? Here's what first home buyers in Victoria need to know before locking in their home loan structure.

Image for What Are the Steps to Buy a Unit in Bairnsdale?

25th May 2026

What Are the Steps to Buy a Unit in Bairnsdale?

A practical guide for first home buyers in Bairnsdale looking to purchase a unit with a smaller deposit and lower entry cost.

Image for SMSF Loans & Vacant Land: Everything You Need to Know

20th May 2026

SMSF Loans & Vacant Land: Everything You Need to Know

Buying vacant land through your self-managed super fund isn't as straightforward as purchasing an established property, but it's possible with the right structure and lender.

Image for How Long Should Refinancing Take and Why?

18th May 2026

How Long Should Refinancing Take and Why?

Understanding the real timeframes behind mortgage refinancing helps you plan better and avoid delays that could cost you thousands in unnecessary interest.

Image for Finance to purchase a medical practice building

14th May 2026

Finance to purchase a medical practice building

What you need to know about commercial lending structures, loan amounts, and deposit requirements when buying a premises for your medical practice.

Image for How to Finance a Luxury Car Purchase in Australia

12th May 2026

How to Finance a Luxury Car Purchase in Australia

What to consider when arranging vehicle financing for high-end cars, from deposit requirements to balloon payments and loan structures.

Image for Why Variable Rate Investment Loans Reward Extra Repayments

12th May 2026

Why Variable Rate Investment Loans Reward Extra Repayments

How making additional payments on a variable investment loan can build equity faster while keeping your borrowing flexible for property investors in Bairnsdale

Image for Business Loans and Cash Flow: What You Need to Know

12th May 2026

Business Loans and Cash Flow: What You Need to Know

When revenue timing doesn't match expenses, the right business loan structure can bridge the gap and keep your operations running smoothly.

Image for Saving for Your First Home: Planning Your Deposit

12th May 2026

Saving for Your First Home: Planning Your Deposit

How to build your deposit faster, understand what you actually need to save, and when you're ready to apply for a home loan

Image for Fixed, Variable, and Split Investment Loans: What to Choose

12th May 2026

Fixed, Variable, and Split Investment Loans: What to Choose

Which loan structure suits your property investment strategy in Bairnsdale? Here's how fixed, variable, and split options work in practice.

Image for Variable Rate Loans and Extra Repayments for First Home Buyers

12th May 2026

Variable Rate Loans and Extra Repayments for First Home Buyers

How making extra repayments on a variable rate loan can save you money and shorten your loan term when buying your first home.

Image for Villa Home Loans: How to Finance Your Purchase

12th May 2026

Villa Home Loans: How to Finance Your Purchase

Buying a villa involves different lending considerations than other property types. Understanding how lenders assess villas helps you prepare your application effectively.

Image for How to use your home equity to buy another property

12th May 2026

How to use your home equity to buy another property

If you own a home in Bairnsdale, the equity you've built could be your deposit for an investment property without needing to save for years.

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63 Main St, Bairnsdale VIC 3875

Trewin Mortgage Broking ABN: 79 107 465 234. Credit Representative #391757 is authorised under Australian Credit Licence #391209.

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.