Blog
Latest articles from VIR Advisory
How to Structure a Home Loan for Owner Occupiers and Investors
Learn how to structure a home loan correctly. This guide explains split loans, offsets vs redraw, and how to protect borrowing capacity for future inv...
Debt Consolidation vs Refinancing: Which Option Is Better?
Unsure about debt consolidation vs refinancing? Learn the technical differences, how lenders assess each, and which strategy best preserves your borro...
Commercial Loan Interest Rates: 2026 Australian Market Analysis
Benchmark 2026 commercial loan interest rates in Australia. See how lenders calculate risk margins and use your LVR to secure more competitive finance...
Debtor Finance Explained: How Businesses Improve Cash Flow
Unlock up to 85% of your invoice value with debtor finance. A guide for Australian businesses on improving cash flow without pledging property as secu...
Working Capital Finance: Funding Solutions for Growing Businesses
Secure working capital finance to manage cash flow gaps in your growing business. This guide details lender criteria for debtor finance and trade cred...
Asset Finance Explained: How Businesses Fund Equipment and Vehicles
Learn how asset finance for businesses works in Australia. This guide explains chattel mortgages, leases, and lender criteria to fund equipment withou...
Why One Bank Says No and Another Says Yes: Understanding Australian Lending Policies
Discover why banks have different lender assessment criteria. We explain serviceability, APRA buffers & how to navigate complex credit policies in Aus...
Investor Refinancing: Guide to Debt Optimisation (2026)
A guide to mortgage refinancing for investors in Australia. Learn to navigate 2026 DTI caps, untangle complex loan structures & improve borrowing capa...
Mortgage Health Check Checklist: Strategic Lending Review for 2026
Conduct a mortgage health check to see if you're overpaying. Our checklist helps you review your rate, navigate the 3.0% buffer, and optimise your loa...
How to Consolidate High Interest Debt: A Strategic Australian Lending Guide
Learn how to consolidate high interest debt in Australia. This guide covers lender criteria, loan structures & strategies to lower repayments and impr...
Refinance Home Loan Guide: Strategic Debt Optimisation for 2026
Learn to refinance home loan structures in 2026. This guide covers APRA buffers, lender criteria & non-bank options for strategic debt optimisation in...
How to Prepare for Your First Home Purchase in Australia: A Step-by-Step Guide Before You Buy
A guide for the first home buyer Australia. Learn to maximise borrowing capacity, navigate the 5% Deposit Scheme, and meet lender serviceability crite...