Blog
Latest articles from VIR Advisory
Low Deposit Home Loans Australia: Professional Lending Guide (2026)
Secure low deposit home loans Australia with 5% down. Our 2026 guide covers LMI capitalisation, government schemes, and lender criteria to maximise ap...
First Home Buyer Loan Requirements: The 2026 Australian Lending Checklist
Understand the 2026 first home buyer loan requirements in Australia. This checklist covers genuine savings, LMI, HECS debt, and serviceability buffers...
First Home Buyer Grants Australia: 2026 Guide to Schemes and Eligibility
Our 2026 guide to first home buyer grants Australia details how to avoid LMI with a 2% deposit. Analyse eligibility, price caps & lending requirements...
Bridging Finance Australia: A Strategic Guide to Buying Before You Sell in 2026
Master bridging finance Australia with our 2026 guide. Understand peak debt, lender criteria, and LVRs to confidently buy your next property before yo...
How a Business Loan Broker Helps SMEs Access Finance
A business loan broker helps SMEs access finance by structuring credit-ready proposals that meet lender criteria. Learn how they optimise borrowing ca...
Debt Consolidation Australia
Learn how to consolidate debt Australia wide by restructuring high-interest liabilities into a single, lower-rate loan. Understand lender criteria & i...
Rent vs Buy Calculator: A Strategic Property Assessment for Australian Professionals
A strategic rent vs buy calculator for Australian professionals. Analyse capital growth, tax exemptions & borrowing capacity to make a data-driven pro...
Loan Repayment Calculator: How to Estimate Your Finance Costs in 2026
Use our loan repayment calculator to estimate your 2026 finance costs. Learn how lenders assess repayments with the 3% buffer and reduce your total in...
Offset Account vs Redraw: Which Is Better for Investors?
Choosing between an Offset Account vs Redraw? For investors, a redraw can cause permanent tax losses. Learn how to protect your deductions and structu...
How Borrowing Capacity Is Actually Calculated in Australia
Learn how Australian lenders calculate your borrowing capacity using APRA's buffer, DTI ratios & HEM. Understand the variables to maximise your loan a...
Commercial Property Finance: What Business Owners Need to Know
Secure commercial property finance in Australia. Learn how lenders assess LVR, serviceability & cash flow to meet strict approval standards in a high-...
Debt Recycling Explained for Australian Homeowners
Discover how debt recycling Australia can convert your mortgage into tax-deductible debt. A guide to loan structures, ATO compliance, and lender requi...