Insights · Page 5 of 5

Finance, explained properly.

Guides, market updates and practical advice from Finstac's team.

Self-Employed Borrowing Rules Australia 2026: What Has Changed

2026 self-employed income guide: how lenders assess 1- vs 2-year figures, add-backs, BAS timing, DTI cap impact & ways to boost approval odds.

Jonathon Radford · 27 August 2026 · 7 min read

Buying Property Through a Company or Trust in Australia 2026

2026 guide to buying property via company, unit trust or discretionary trust in Australia. Covers tax, lender appetite, Division 7A risks, asset protection.

Jonathon Radford · 26 August 2026 · 7 min read

SMSF Property Loans 2026: Compliance Traps, Risks & the New Residential Borrowing Ban

Finstac's 2026 SMSF property loans guide, covers residential LRBA ban, sole purpose test, arm’s length rules, traps, commercial options & compliant structuring.

Jonathon Radford · 26 August 2026 · 7 min read

Refinance Home Loans Sydney 2026: Complete Guide

Full 2026 guide to refinancing in Sydney. Break-even, costs, equity release and strategy in a high-price market.

Jonathon Radford · 24 August 2026 · 3 min read

Commercial Property Loans Sunshine Coast 2026: Complete Guide

Full 2026 guide to commercial property loans on the Sunshine Coast. Security, serviceability, process and local factors.

Jonathon Radford · 20 August 2026 · 3 min read

Fixed or variable in 2026? How to decide properly.

Fixed or variable in 2026? A plain comparison of the trade offs, break costs, offset accounts and split loans, and when fixing actually makes sense.

Jonathon Radford · 15 July 2026 · 8 min read

How lenders actually calculate your borrowing power.

How Australian lenders really assess what you can borrow in 2026: the 3% APRA buffer, HEM expenses, debt to income limits and what most borrowers miss.

Jonathon Radford · 15 July 2026 · 8 min read

The 5% deposit scheme in 2026: who actually qualifies.

Who qualifies for the 5% Deposit Scheme in 2026: buyer criteria, the 2% pathway for single parents, price caps, and the pitfalls to avoid before you apply.

Jonathon Radford · 15 July 2026 · 10 min read

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