Traj Finance Blog

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Image for Understanding the basics of purchasing a villa as a first home buyer

23rd January 2026

Understanding the basics of purchasing a villa as a first home buyer

Learn how first home buyer programs and villa purchases work together for Glen Waverley residents

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22nd January 2026

What Investment Loan Variable Rates and Offset Accounts Can Do

Understanding how variable rate investment loans and offset accounts work together to maximise your property investment returns

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21st January 2026

Top tips to secure your next home with the right loan

Expert guidance on Home Loan options to help Doncaster East residents purchase their next property with confidence

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20th January 2026

What to Know When Using Business Loans to Hire Staff

Discover how business loans can help Doncaster businesses expand their workforce and improve cash flow management strategies.

Recent Articles

Image for Understanding the basics of purchasing a villa as a first home buyer

23rd January 2026

Understanding the basics of purchasing a villa as a first home buyer

Learn how first home buyer programs and villa purchases work together for Glen Waverley residents

Image for What Investment Loan Variable Rates and Offset Accounts Can Do

22nd January 2026

What Investment Loan Variable Rates and Offset Accounts Can Do

Understanding how variable rate investment loans and offset accounts work together to maximise your property investment returns

Image for Top tips to secure your next home with the right loan

21st January 2026

Top tips to secure your next home with the right loan

Expert guidance on Home Loan options to help Doncaster East residents purchase their next property with confidence

Image for What to Know When Using Business Loans to Hire Staff

20th January 2026

What to Know When Using Business Loans to Hire Staff

Discover how business loans can help Doncaster businesses expand their workforce and improve cash flow management strategies.

Image for 10 Ways to Unlock Cashback Refinancing Opportunities

19th January 2026

10 Ways to Unlock Cashback Refinancing Opportunities

Discover how Hawthorn residents can access cashback offers and improve their financial position through strategic refinancing

Image for The Pros and Cons of Commercial Loans for Business Parks

16th January 2026

The Pros and Cons of Commercial Loans for Business Parks

Understanding the advantages and challenges of securing commercial property finance to purchase business park facilities in Mill Park

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15th January 2026

Avoid these 5 mistakes when buying homes with outdoor space

Learn how to secure the right home loan for properties with gardens, pools, and outdoor entertainment areas

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14th January 2026

What are Investment Loans for Established Properties?

Understanding investment loans for purchasing established rental properties in Templestowe and accessing loan options from multiple lenders

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13th January 2026

When to Budget for Home Loan Costs in Glen Waverley

Understanding budgeting essentials and money management strategies for your home loan application and ongoing repayments.

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12th January 2026

Proven tips to secure Investment Loan Approval

Expert guidance for Kew property investors on accessing investment loan options from banks and lenders across Australia

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9th January 2026

Top tips to understand Commercial Loan Settlement

Everything Balwyn business owners need to know about the commercial loan settlement process and securing finance

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8th January 2026

Avoid These Economic Mistakes When Getting a Home Loan

Understanding how economic factors affect your mortgage decisions can save you thousands in Doncaster East's property market.

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7th January 2026

Avoid these 5 Investment Loan Mistakes That Cost Property Investors

Learn how to secure the right investment loan options and maximise your property investment strategy success

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6th January 2026

Home Loan Pre-approval: What Not to Skip Before Buying

Understanding the home loan pre-approval process can help Kew residents secure their dream property with confidence and clarity.

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5th January 2026

Do you know about Business Loans for Manufacturing?

Discover how business loans can help you purchase a manufacturing facility and expand your operations in Doncaster East.

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2nd January 2026

Avoid These 5 Mistakes When Refinancing for Education

Learn how to unlock property equity for education expenses while securing favourable loan terms through refinancing

Image for 5 Key Ways Refinancing Can Reduce Your Monthly Payments

1st January 2026

5 Key Ways Refinancing Can Reduce Your Monthly Payments

Discover how refinancing your home loan can lower repayments and improve your financial position in Box Hill

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31st December 2025

Everything You Need to Know About Refinance Flexibility

Discover how refinancing your home loan can unlock enhanced flexibility and improved financial outcomes for your situation.

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30th December 2025

Top 7 Ways to Secure Your Retirement Home Loan

Essential strategies and financing options for purchasing your dream retirement home in Australia

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29th December 2025

When to Lock in Investment Loan Rates and Break Costs

Understanding rate lock-ins and break costs helps Kew property investors make informed investment loan decisions.

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26th December 2025

Avoid These Rate Lock-In and Break Cost Mistakes

Understanding how rate lock-ins and break costs work can save you thousands when securing your home loan

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25th December 2025

The smartest way to tackle housing affordability in Hawthorn

Expert strategies to make your home ownership dreams achievable despite rising property prices in Melbourne's inner east

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24th December 2025

The Pros and Cons of Refinancing Application Fees

Understanding refinancing application fees and how they impact your home loan refinancing decision in South Morang

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23rd December 2025

The Ins and Outs of Office Space Financing

Understanding commercial property finance options for office space acquisition in South Morang and beyond

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22nd December 2025

Fixed vs Variable vs Split Home Loans: Key Differences

Understanding the three main loan structures to make informed decisions when buying your first home in Kew

Image for Smart tips to secure your next home loan in Mill Park

19th December 2025

Smart tips to secure your next home loan in Mill Park

Learn how to access Home Loan options from banks and lenders across Australia for your property purchase

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18th December 2025

Investment Loans & Fixed Rates at Life Stages

Understanding how fixed rate investment loans align with different life stages for South Morang property investors

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17th December 2025

Do you know refinancing can add valuable features?

Discover how refinancing your home loan can unlock offset accounts and other features for Doncaster East residents.

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16th December 2025

Unlock the secrets to commercial loans for aged care facility

Discover how Traj Finance can help Hawthorn investors secure commercial property finance for aged care facilities

Image for When to Choose House and Land Packages as First Home Buyers

14th December 2025

When to Choose House and Land Packages as First Home Buyers

Understanding the finance options available for Templestowe first home buyers considering house and land packages

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12th December 2025

Smart tips to overcome first time buyer challenges

Understanding the hurdles first home buyers face and how to overcome them in Glen Waverley

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11th December 2025

Top Strategies to Analyse Investment Properties for Success

Understanding property investment analysis fundamentals helps Balwyn investors make informed decisions when buying rental properties.

Image for When to Plan Your Business Loan Strategy in South Morang

10th December 2025

When to Plan Your Business Loan Strategy in South Morang

Strategic planning approaches for securing the right business loan structure to support your commercial growth objectives

Image for Smart ways to approach pre-purchase planning as a first home buyer

3rd December 2025

Smart ways to approach pre-purchase planning as a first home buyer

Essential planning steps to secure your first home loan and access the right mortgage options for your financial situation.

Image for First Home Buyer's Guide to the 5% Deposit Scheme

26th November 2025

First Home Buyer's Guide to the 5% Deposit Scheme

Discover how Kew's first home buyers can access property ownership with just 5% deposit through government schemes

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19th November 2025

Top Features to Consider When Choosing Your Home Loan

Understanding essential mortgage features can help Hawthorn residents make informed decisions when applying for a home loan.

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12th November 2025

A Guide to Commercial Loans for Purchasing Commercial Land

Understanding commercial property finance options and loan structures to help South Morang businesses buy commercial land successfully.

Image for Smart Ways to Secure Home Loans for Apartment Purchases

5th November 2025

Smart Ways to Secure Home Loans for Apartment Purchases

Essential guide for Templestowe residents looking to purchase apartments with the right home loan structure and conditions.

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29th October 2025

Unlock the Path to Your First Home Purchase in Box Hill

Your comprehensive guide to securing home loans and making your first property purchase a reality

Image for Top tips to secure home loans for terrace house purchases

22nd October 2025

Top tips to secure home loans for terrace house purchases

Essential guidance for Doncaster East residents looking to finance their dream terrace house purchase

Image for Smart ways to buy a home closer to work in Box Hill

15th October 2025

Smart ways to buy a home closer to work in Box Hill

Discover how the right home loan strategy can help you secure property near your workplace in Box Hill and surrounding areas.

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8th October 2025

What to Know Before Purchasing an Investment Unit

Essential insights for Balwyn investors considering investment loans for unit purchases and rental property opportunities

Image for Why Should Glen Waverley Businesses Prepare for Seasonal Cash Flow

1st October 2025

Why Should Glen Waverley Businesses Prepare for Seasonal Cash Flow

How working with a Business Finance Broker can provide financial solutions during seasonal downturns

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25th September 2025

Avoid These 5 Home Buying Mistakes in Box Hill

Essential steps and common pitfalls to understand when applying for a home loan in Melbourne's eastern suburbs

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25th September 2025

Unlock the Secrets to Business Loan Eligibility Criteria

Essential requirements and criteria you need to meet when applying for a business loan in Australia

Image for Why should you compare home loans before buying property?

25th September 2025

Why should you compare home loans before buying property?

Understanding loan comparison helps Hawthorn residents secure the most suitable home finance for their property purchase.

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25th September 2025

When to Consider Housing Affordability in Your Home Loan

Understanding how housing affordability impacts your home loan options and borrowing capacity in Doncaster East

Image for Guide to House and Land Package Loans in Mill Park

25th September 2025

Guide to House and Land Package Loans in Mill Park

Understanding home finance options for house and land packages in Mill Park's growing property market

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Countdown to be in your new home by Christmas

17th September 2025

Countdown to be in your new home by Christmas

The clock is ticking towards the festive season, and home buyers still have a small window of opportunity to be settled in their new place by Christmas Day. The good news is that a broker can help you get there.

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Jump into the market up to 4 years sooner with 5% deposit scheme

10th September 2025

Jump into the market up to 4 years sooner with 5% deposit scheme

If you’re like most first home buyers, you’ve probably realised by now that saving up for a 20% deposit can be a real slog. But what if we told you that you now only need a 5% deposit? And better yet, you could already have that amount ready to go now.

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5 steps to help you find a competitive edge this home-buying season

3rd September 2025

5 steps to help you find a competitive edge this home-buying season

Spring is traditionally the peak season for property, and three rate cuts this year could further fuel buyer competition. Check out five steps that can give you a valuable head start this spring.

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5% deposit scheme expands early – will it increase house prices?

26th August 2025

5% deposit scheme expands early – will it increase house prices?

The popular Home Guarantee Scheme that lets first home buyers get into the market with just a 5% deposit has been expanded sooner than expected. But an unexpected twist means first home buyers may want to bring forward their buying plans.

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Surge in switching: 1,000 home loans refinanced every day

20th August 2025

Surge in switching: 1,000 home loans refinanced every day

Three rate cuts since February have spurred home owners to take a closer look at their home loan. Turns out plenty have found a loan better suited to their needs elsewhere, with 100,000 home loans refinanced in the past quarter.

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Third rate cut delivered this year as RBA trims cash rate to 3.60%

12th August 2025

Third rate cut delivered this year as RBA trims cash rate to 3.60%

Borrowers around the country have been delivered a sunnier financial outlook this month after the Reserve Bank of Australia (RBA) today trimmed the cash rate by another 25 basis points to 3.60%. How much could your monthly mortgage repayments decrease?

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Skipping pre-approval sees 1-in-10 first home buyers miss out

6th August 2025

Skipping pre-approval sees 1-in-10 first home buyers miss out

Buying a first home isn’t always easy, and first-timers sometimes miss out on a place they’ve set their heart on. But more than one-in-ten first-time buyers have missed out simply because they didn’t have home loan pre-approval.

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How your home can help your kids get a great education

30th July 2025

How your home can help your kids get a great education

Location, location, location. Or should we say: education, education, education. New research shows homes in the catchment areas of sought-after public schools can command six-figure price premiums. Here’s why.

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Newly built homes notch up strongest sales in 3 years

22nd July 2025

Newly built homes notch up strongest sales in 3 years

There’s a lot to love about buying a brand new home, and sales of recently constructed homes have increased 19% over the last quarter. We look at the pros and cons of buying a new home – and the financial incentives available to new home buyers.

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Has your borrowing power increased in 2025?

16th July 2025

Has your borrowing power increased in 2025?

If you haven’t checked your borrowing power recently, it might be worth another look. A lot has happened in 2025, and your borrowing capacity could be higher than you realise.

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Two-thirds of borrowers could save by refinancing: report

9th July 2025

Two-thirds of borrowers could save by refinancing: report

Home owners hoping for rate relief in July may be disappointed, but it’s still possible to score a rate cut of your own by refinancing. Despite this, plenty of borrowers are sticking to an old loan – and it could be costing them.

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Small deposit? 50,000 Home Guarantee Scheme spots just opened up

2nd July 2025

Small deposit? 50,000 Home Guarantee Scheme spots just opened up

Growing a 20% deposit isn’t just challenging. It can be a (very) long slog. Fortunately, 50,000 new places in the popular 5% deposit Home Guarantee Scheme just opened up on July 1. Here’s how to secure your spot.

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How to make an offer on a home

25th June 2025

How to make an offer on a home

Finding the property that’s right for you and your budget is an exciting milestone! But what happens next? We explain how to make an offer and seal the deal.

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Welcome back! Home lending jumps as first home buyers return

18th June 2025

Welcome back! Home lending jumps as first home buyers return

Here’s some warming news for winter – first home buyers are making a welcome return to the property market. Several factors suggest the stars may have aligned to make now a good time to take that first step on the property ladder.

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Australian home price average tops $1 million

11th June 2025

Australian home price average tops $1 million

Property values nationally have passed a major milestone with the average home price pushing through the $1 million mark for the first time ever. Have you been putting off buying? If so, here’s how to get the ball rolling.

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How you could boost your home’s value by $118,000 (and save on bills)

4th June 2025

How you could boost your home’s value by $118,000 (and save on bills)

With winter temps falling, chances are your power bills will rise. This helps explain why buyers are willing to pay 14% extra for energy-efficient homes on average. Here’s how to give your place a ‘green premium’.

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Plot twist: home owners keep repayments on hold as rates fall

28th May 2025

Plot twist: home owners keep repayments on hold as rates fall

Despite two much-awaited rate cuts this year, plenty of Australian households are keeping their mortgage repayments on hold – and it could see them save in long-term interest costs.

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RBA cuts the cash rate for the second time this year to 3.85%

20th May 2025

RBA cuts the cash rate for the second time this year to 3.85%

Australian borrowers have received another reprieve with the Reserve Bank of Australia (RBA) today cutting the cash rate by 25 basis points to 3.85%. How much could this decrease your monthly mortgage repayments?

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Fact or fiction: do property values double every 10 years?

14th May 2025

Fact or fiction: do property values double every 10 years?

It’s a common belief that real estate values double every decade. But is this true? New research reveals how much home values have increased over the past ten years.

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Albo re-elected: what’s on the board for home buyers and owners?

7th May 2025

Albo re-elected: what’s on the board for home buyers and owners?

The votes have been cast and it’s clear Labor will hold the reins of federal government for another 3-year term. We look at what this may mean for first home buyers and current home owners.

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Myth buster: do weekly repayments pay off an offset loan faster?

30th April 2025

Myth buster: do weekly repayments pay off an offset loan faster?

There’s a common misconception around offset account home loans that making loan repayments more frequently helps to pay off the balance much sooner. We bust that myth and reveal the real secret to harnessing the power of your offset account.

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Could US tariffs be good news for Aussie home owners?

23rd April 2025

Could US tariffs be good news for Aussie home owners?

Tariff-triggered cuts to interest rates could be just around the corner, with Australian borrowers the likely winners if they come to fruition.

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Election 2025: what’s on offer for first home buyers?

16th April 2025

Election 2025: what’s on offer for first home buyers?

Australians will head to the polls on May 3, and with housing affordability shaping up as a key election issue, we unpack how the two major parties are pledging to help first home buyers.

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Home owners notch up gains of $230,000 in just 5 years

9th April 2025

Home owners notch up gains of $230,000 in just 5 years

Did you know that the average home owner saw their property’s value rise $46,000 per year over the past five years? Today we’ll look at ways you could put that recent increase in equity to further use.

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Why 1-in-2 families are thinking of refinancing

2nd April 2025

Why 1-in-2 families are thinking of refinancing

The RBA may have swiped left on an April rate cut, but plenty of home owners are taking matters into their own hands by refinancing to save on interest with a lower rate.

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Sounds of silence: how traffic noise can impact property values

26th March 2025

Sounds of silence: how traffic noise can impact property values

‘Close to public transport’ is often touted as a plus for home buyers. But new research shows just how much close proximity to a busy road, railway or flight path can impact property values.

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5 fun (and budget-friendly) ideas for an Easter staycation

19th March 2025

5 fun (and budget-friendly) ideas for an Easter staycation

This Easter offers more than chocolate eggs and hot cross buns. It brings a rare mega-holiday, and if your budget doesn’t stretch to a trip away, check out our tips to enjoy a memorable getaway – at home.

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Low cost renos to help keep your home cosy this autumn

12th March 2025

Low cost renos to help keep your home cosy this autumn

It’s been a long, hot summer, but the seasons are shifting and it’s time to prepare for the cooler months ahead. A few simple improvements could help keep your home snug without overheating your power bills.

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Was that the shortest property downturn ever?

5th March 2025

Was that the shortest property downturn ever?

The so-called market ‘downturn’ we saw over the last few months was a blink-and-you-miss-it affair. Home prices are once again on the up. We unpack what’s happening – and why now could be a good time to buy.

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Major change coming to mortgage rules for university grads

26th February 2025

Major change coming to mortgage rules for university grads

Good news for the three million Australians who have a student debt. New rules are on the cards that could soon increase their borrowing power when applying for a home loan.

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18th February 2025

RBA cuts the cash rate for the first time since 2020

Finally, a long-awaited reprieve for borrowers. The Reserve Bank of Australia has today cut the cash rate by 25 basis points to 4.10%. How much could this rate cut decrease your monthly mortgage repayments? And can we expect more cuts this year?

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The scheme that’s helped 193,000 Aussies buy a first home

11th February 2025

The scheme that’s helped 193,000 Aussies buy a first home

If you’re in the market for a first home, there’s one scheme you should know about. It’s called the Home Guarantee Scheme, and it could slash the time it takes to buy a place of your own by several years. Here’s how it works.

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What happens to my home loan if interest rates fall?

5th February 2025

What happens to my home loan if interest rates fall?

Great news for home owners – plenty of economists are tipping an RBA rate cut for February. Assuming it happens, once the celebrations have died down, what next? We explain what to expect when rates head south.

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The top 5 location turn-offs for Aussie home buyers

29th January 2025

The top 5 location turn-offs for Aussie home buyers

Ever spotted a bargain property and then thought to yourself: ‘What’s the catch?’ Well, more often than not there’s a good reason behind a lower-than-expected price tag. And while an undesirable location might not be a deal breaker for you, it could make

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How to finance your 2025 home renovation

22nd January 2025

How to finance your 2025 home renovation

Bathroom blitz? Kitchen kit out? Or perhaps some landscaping love might be on your house upgrade wishlist for 2025? If so, it’s worth knowing what reno finance options are available. Today we’ll explain some ways to fund your home improvement project.

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Decisions decisions… Fixed-rate vs variable home loan rate

15th January 2025

Decisions decisions… Fixed-rate vs variable home loan rate

Amid growing expectations of rate cuts in 2025, sticking with a variable home loan rate can seem like a no-brainer. But not so fast. Locking in your home loan rate can also have upsides, including the potential for a lower rate right now.

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House, apartment or townhouse? The pros and cons of each

8th January 2025

House, apartment or townhouse? The pros and cons of each

There’s much more to property in Australia than just houses or units. And if you’re in the market for a home or investment property, it helps to know your townhouses from terrace homes so that you can choose a place that’s suited to your goals and needs.

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Three financial New Year’s resolutions to tackle 2025 head-on

1st January 2025

Three financial New Year’s resolutions to tackle 2025 head-on

How are your New Year’s resolutions coming along? If you’re like most people, they’re likely related to health, fitness or abstinence. But why not consider a financial one too? Here are three resolutions worth considering for 2025.

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Merry Christmas! And thanks for your support in 2024!

20th December 2024

Merry Christmas! And thanks for your support in 2024!

With the holiday season upon us, we’d like to express our heartfelt thanks to all our amazing clients for your trust and support throughout 2024.

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Have you refinanced recently? It could be time this summer break

18th December 2024

Have you refinanced recently? It could be time this summer break

If you haven’t looked into refinancing since the start of higher interest rates, it might be time to ask yourself ‘why not?’ New research shows it could be time to try again – especially if you want to start 2025 off on the right foot.

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How did property prices go in 2024? And what’s tipped for 2025?

11th December 2024

How did property prices go in 2024? And what’s tipped for 2025?

As we head towards the end of 2024, let’s take a look at how property markets performed over the last year – and discover what the experts say may lie in store for home prices in 2025.

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Thinking of buying a holiday home? Here’s what to weigh up

4th December 2024

Thinking of buying a holiday home? Here’s what to weigh up

The coming weeks will see millions of Aussies enjoy a well-earned getaway, and for some, a memorable holiday will inspire plans to buy a holiday home. But is it a good idea? And can a weekender still stack up financially? We explain what to consider plus

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Traj Finance Pty Ltd ABN: 55 675 457 495. Credit Representative #558243 is authorised under Australian Credit License #384704

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.