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Latest Articles from Archbold Financial

Check out the latest blog posts from Archbold Financial

Featured Articles

Image for Income and Employment: The Dos and Don'ts of Home Loans

5th October 2026

Income and Employment: The Dos and Don'ts of Home Loans

Understanding how lenders assess your income and employment status can make the difference between approval and disappointment when applying for a home loan in Carnegie.

Image for Simple hacks to secure commercial development finance

30th September 2026

Simple hacks to secure commercial development finance

A practical guide for self-employed business owners across Victoria looking to fund construction projects, subdivisions, and property developments through commercial lenders.

Image for Top Strategies to Finance Your Restaurant Fitout

28th September 2026

Top Strategies to Finance Your Restaurant Fitout

A practical guide for Malvern restaurateurs looking to fund commercial kitchen equipment, dining fitouts, and hospitality infrastructure without depleting working capital.

Image for How to Finance Security Systems for Your Business

23rd September 2026

How to Finance Security Systems for Your Business

Understand your options for funding commercial security equipment, from chattel mortgages to equipment leasing, and how each structure affects cash flow and tax treatment.

Home Loans

Image for Income and Employment: The Dos and Don'ts of Home Loans

5th October 2026

Income and Employment: The Dos and Don'ts of Home Loans

Understanding how lenders assess your income and employment status can make the difference between approval and disappointment when applying for a home loan in Carnegie.

Image for Common Mistakes When Buying Closer to Family

21st September 2026

Common Mistakes When Buying Closer to Family

How buying a home near family in Camberwell can affect your lending options, deposit requirements, and long-term financial position.

Image for Apartment vs House Loans: The Pros and Cons

16th September 2026

Apartment vs House Loans: The Pros and Cons

How lenders assess apartments differently to houses, what that means for self-employed borrowers in Victoria, and how to strengthen your application.

Image for The Pros and Cons of a Mortgage with a Default

2nd September 2026

The Pros and Cons of a Mortgage with a Default

How a credit default affects your ability to secure a home loan in Camberwell and what options remain available to you.

Image for Beginner's Guide to Home Loan Repayment Strategies

24th August 2026

Beginner's Guide to Home Loan Repayment Strategies

Understanding how different repayment approaches can reduce interest costs and build equity faster in Malvern's established property market.

Image for Unlock the Secrets to Variable Rate Home Loans

3rd August 2026

Unlock the Secrets to Variable Rate Home Loans

How self-employed borrowers across Victoria can make the most of variable rate loan features and manage flexibility without sacrificing stability

Image for Interest Rates and Borrowing Capacity: The Facts

29th July 2026

Interest Rates and Borrowing Capacity: The Facts

Understanding how rising and falling interest rates affect how much you can borrow and what that means for Kew property buyers.

Image for Do you know you can buy with just 5% deposit?

27th July 2026

Do you know you can buy with just 5% deposit?

Purchasing property in Malvern with a smaller deposit is achievable when you understand Lenders Mortgage Insurance and how lenders assess your application.

Image for Top tips to secure a home loan for a townhouse in Kew

1st July 2026

Top tips to secure a home loan for a townhouse in Kew

From understanding loan to value ratios to choosing the right loan structure, we walk you through what matters when financing a townhouse purchase in Kew.

Image for Unlock the Secrets to Loan Structures for Self-Employed

29th June 2026

Unlock the Secrets to Loan Structures for Self-Employed

How self-employed borrowers across Victoria can structure their home loan to match irregular income, reduce tax, and maintain financial flexibility.

Image for Beginner's Guide to Upsizing Your Home in Camberwell

24th June 2026

Beginner's Guide to Upsizing Your Home in Camberwell

How to structure your home loan when purchasing a larger property for your growing family in one of Melbourne's most sought-after suburbs.

Commercial Loans

Image for Simple hacks to secure commercial development finance

30th September 2026

Simple hacks to secure commercial development finance

A practical guide for self-employed business owners across Victoria looking to fund construction projects, subdivisions, and property developments through commercial lenders.

Image for How to Finance a Warehouse Purchase in Malvern

14th September 2026

How to Finance a Warehouse Purchase in Malvern

A practical guide to securing commercial property finance for warehouse buyers in one of Melbourne's established business precincts.

Image for When to Choose Fixed vs Variable Commercial Loan Terms

9th September 2026

When to Choose Fixed vs Variable Commercial Loan Terms

Understanding commercial loan terms helps Carnegie business owners structure finance that supports growth without unnecessary risk or inflexibility.

Image for How to Meet Commercial Loan Compliance Requirements

12th August 2026

How to Meet Commercial Loan Compliance Requirements

Understanding the compliance expectations lenders place on commercial property finance applications and how to prepare documentation that meets regulatory standards.

Image for Smart ways to approach aged care facility purchase

10th August 2026

Smart ways to approach aged care facility purchase

Understanding commercial finance options, loan structures, and valuation requirements when buying an aged care facility in Malvern and surrounds.

Image for Avoid These 5 Mistakes When Buying Commercial Land

22nd July 2026

Avoid These 5 Mistakes When Buying Commercial Land

How Camberwell investors can structure commercial land purchases without overpaying, underestimating costs, or choosing the wrong loan terms for their project.

Image for Common Mistakes When Buying Commercial Property

6th July 2026

Common Mistakes When Buying Commercial Property

What Carnegie business owners and investors should know before purchasing warehouse, office, or retail space in the local market

Asset Finance

Image for Top Strategies to Finance Your Restaurant Fitout

28th September 2026

Top Strategies to Finance Your Restaurant Fitout

A practical guide for Malvern restaurateurs looking to fund commercial kitchen equipment, dining fitouts, and hospitality infrastructure without depleting working capital.

Image for How to Finance Security Systems for Your Business

23rd September 2026

How to Finance Security Systems for Your Business

Understand your options for funding commercial security equipment, from chattel mortgages to equipment leasing, and how each structure affects cash flow and tax treatment.

Image for The easiest way to fund business equipment

19th August 2026

The easiest way to fund business equipment

How Camberwell businesses acquire the vehicles, machinery, and technology they need without draining working capital or waiting for cash reserves

Image for Unlock the Secrets to Semi-Trailer Finance in Kew

17th August 2026

Unlock the Secrets to Semi-Trailer Finance in Kew

Discover how chattel mortgages, hire purchase agreements, and leasing options can help your transport business acquire semi-trailers while preserving working capital and claiming tax benefits.

Image for Top tips to finance machinery for your Carnegie business

20th July 2026

Top tips to finance machinery for your Carnegie business

Learn how to acquire specialised equipment while preserving working capital, managing cash flow effectively, and accessing the right structure for your business.

Image for Do you know which trailer finance suits your trade?

13th July 2026

Do you know which trailer finance suits your trade?

Self-employed operators across Victoria need the right funding structure when adding trailers to their business. The wrong choice costs thousands.

Image for Understanding ATO Debt & Asset Finance Options

15th June 2026

Understanding ATO Debt & Asset Finance Options

How self-employed Victorians can access equipment finance while managing tax debt, and which structures work when the ATO appears on your credit file.

Refinancing

Image for How to Manage Refinancing Settlement Procedures

7th September 2026

How to Manage Refinancing Settlement Procedures

A practical guide to understanding what happens between refinance approval and final settlement, and how to prepare for a smooth transition.

Image for Simple hacks to refinance for loan flexibility

31st August 2026

Simple hacks to refinance for loan flexibility

Self-employed Victorians can refinance to gain offset accounts, redraw access, and flexible repayment options that adapt to irregular income patterns.

Image for Common Mistakes When Refinancing First-Time Buyer Rates

15th July 2026

Common Mistakes When Refinancing First-Time Buyer Rates

First-time buyers in Kew who purchased a few years ago often overlook refinancing opportunities that could reduce repayments and unlock better loan features.

Investment Loans

Image for Top tips to choose investment loan features in Carnegie

26th August 2026

Top tips to choose investment loan features in Carnegie

The specific loan features that shape returns and flexibility for Carnegie property investors, explained through real examples and current lending rules.

Image for The Easiest Way to Fund a Second Investment Property

5th August 2026

The Easiest Way to Fund a Second Investment Property

How Camberwell investors structure loans and leverage equity to grow a portfolio without refinancing every time they buy

Image for Top tips to lock in fixed rates on investment loans

8th July 2026

Top tips to lock in fixed rates on investment loans

Malvern investors choosing fixed rate loans need to understand how structure, tax changes, and market timing shape repayments and portfolio growth.

Image for Common Mistakes When Buying a Duplex for Investment

22nd June 2026

Common Mistakes When Buying a Duplex for Investment

What Carnegie investors need to know about structuring finance for dual-income properties in a changing tax landscape

Image for Do Kew Rental Vacancy Rates Affect Your Loan?

17th June 2026

Do Kew Rental Vacancy Rates Affect Your Loan?

Understanding how lender rental assessments shape your investment loan amount when you're buying in Kew's tightly held market.

Equipment Finance

Image for How to Finance Hospitality Equipment in Malvern

10th June 2026

How to Finance Hospitality Equipment in Malvern

A practical guide for Malvern cafe, restaurant, and bar owners looking to purchase commercial kitchen equipment, fit-outs, and technology without depleting working capital.

Image for Top tips to finance restaurant equipment in Carnegie

1st June 2026

Top tips to finance restaurant equipment in Carnegie

How Carnegie restaurant owners can secure commercial kitchen equipment without draining working capital, with finance structures that support cashflow and growth.

First Home Buyers

Image for Do You Know How Fixed Rate Loans Help First Home Buyers?

8th June 2026

Do You Know How Fixed Rate Loans Help First Home Buyers?

Understanding fixed rate features can help Camberwell first home buyers protect their budgets and plan with confidence in uncertain markets.

Image for Top 10 Resources Every First Home Buyer in Kew Should Know

3rd June 2026

Top 10 Resources Every First Home Buyer in Kew Should Know

A practical guide to grants, deposit schemes, stamp duty concessions, and the tools that help Kew first home buyers move from research to settlement with confidence.

Image for Proven Tips to Plan Your First Home Purchase

27th May 2026

Proven Tips to Plan Your First Home Purchase

Self-employed first home buyers need a different approach to pre-purchase planning, from proving income to choosing the right lender and timing your application.

Recent Articles

Image for Variable Rate Loans & What First Home Buyers Need to Know

25th May 2026

Variable Rate Loans & What First Home Buyers Need to Know

Everything you need to know about choosing variable rate home loan terms when buying your first property in Camberwell

Image for Top Strategies to Manage Commercial Loan Risks

20th May 2026

Top Strategies to Manage Commercial Loan Risks

Understanding the financial exposures that come with commercial property investment and how Kew business owners can protect themselves before signing.

Image for Top 10 Ways to Finance a Data Centre Purchase

18th May 2026

Top 10 Ways to Finance a Data Centre Purchase

How commercial property finance works when you're buying a data centre, from loan structure to security requirements and what lenders look for

Image for Refinancing Multiple Properties: A Self-Employed Guide

13th May 2026

Refinancing Multiple Properties: A Self-Employed Guide

How Victorian self-employed property investors can refinance several properties at once without losing control of cashflow or serviceability.

Image for How to Finance a Semi Truck Purchase in Australia

11th May 2026

How to Finance a Semi Truck Purchase in Australia

Understanding your finance options when purchasing a semi truck can help preserve your capital while getting the vehicle you need for operations.

Image for Refinancing Approval: What Lenders Check & How to Prepare

6th May 2026

Refinancing Approval: What Lenders Check & How to Prepare

Walking through the application steps for refinancing your home loan and what mortgage lenders assess when you apply to switch.

Image for Can I refinance to get a lower interest rate?

5th May 2026

Can I refinance to get a lower interest rate?

Carnegie homeowners sitting on higher rates often don't realise how much they could cut from their monthly repayments with a well-timed rate switch.

Image for Variable Rate Investment Loan Features for Camberwell

4th May 2026

Variable Rate Investment Loan Features for Camberwell

How to use variable rate loan features to manage cash flow, access equity, and respond to market changes when building your investment property portfolio.

Image for First Home Buyer Mistakes to Avoid in Malvern

29th April 2026

First Home Buyer Mistakes to Avoid in Malvern

From deposit miscalculations to missing out on stamp duty concessions, here's what first home buyers in Malvern should watch for before applying.

Image for Buying an Office Building with a Commercial Loan

27th April 2026

Buying an Office Building with a Commercial Loan

How commercial property finance works when you're purchasing an office building in Kew, including loan structures and what lenders look for.

Image for Fixed Rate Investment Loan Fees Explained for Investors

22nd April 2026

Fixed Rate Investment Loan Fees Explained for Investors

What self-employed Victorian property investors need to know about the real costs of fixing their investment loan rates

Image for Fixed Rate Loans and Offset Accounts for First Homes

20th April 2026

Fixed Rate Loans and Offset Accounts for First Homes

Understanding how fixed rate loans and offset accounts work helps Camberwell first home buyers choose the right setup from day one.

Image for How to prepare for commercial loan settlement

15th April 2026

How to prepare for commercial loan settlement

Settlement on commercial property moves faster than residential deals, and the financial stakes are much higher for Carnegie business owners

Image for Off-the-Plan Investment: Smart Hacks to Finance Success

13th April 2026

Off-the-Plan Investment: Smart Hacks to Finance Success

Discover how Malvern investors can secure the right investment loan to purchase off-the-plan properties and build lasting wealth through property.

Image for How to Finance a Business Park Purchase in Victoria

13th April 2026

How to Finance a Business Park Purchase in Victoria

Discover the essential steps and commercial finance options available when purchasing a business park property for your growing enterprise.

Image for Smart Ways to Structure Your Home Loan in Camberwell

13th April 2026

Smart Ways to Structure Your Home Loan in Camberwell

Discover how choosing the right loan structure options can help you achieve home ownership, build equity, and improve your financial stability.

Image for Do You Know How Asset Finance Can Help Your Business?

13th April 2026

Do You Know How Asset Finance Can Help Your Business?

Discover how purchasing security systems through asset finance can protect your business while managing cashflow effectively for Kew enterprises.

Image for Do You Know How to Analyse a Property Investment Loan?

13th April 2026

Do You Know How to Analyse a Property Investment Loan?

Understanding property investment analysis can help Carnegie residents make informed decisions when choosing investment loan options and building wealth through property.

Image for Fixed, Variable, and Split Loans: The Key Differences

13th April 2026

Fixed, Variable, and Split Loans: The Key Differences

Understanding your home loan options is crucial when making one of the biggest financial decisions of your life in Malvern.

Image for Do You Know How to Plan Your Property Investment Wisely?

7th April 2026

Do You Know How to Plan Your Property Investment Wisely?

Understanding investment loans and developing a solid property investment strategy can help Viewbank residents build wealth through real estate.

Image for Do You Know the True Costs of Variable Rate Home Loans?

31st March 2026

Do You Know the True Costs of Variable Rate Home Loans?

Understanding all the fees and costs associated with variable rate home loans helps you make informed decisions about your home ownership journey.

Image for Guide to Business Loan Risk Management for Bundoora SMEs

24th March 2026

Guide to Business Loan Risk Management for Bundoora SMEs

Learn how to protect your Bundoora business with smart risk management strategies when accessing commercial lending and business finance solutions.

Image for Why Should Self-Employed First Home Buyers Seek Advice?

17th March 2026

Why Should Self-Employed First Home Buyers Seek Advice?

Essential guidance for self-employed Victorians looking to purchase their first property and understand their home loan options.

Image for The Right Way to Upgrade Your Business Machinery

10th March 2026

The Right Way to Upgrade Your Business Machinery

Discover how equipment finance can help Viewbank businesses upgrade machinery without depleting cash reserves while improving efficiency.

Image for Do You Know What Challenges First Home Buyers Face?

3rd March 2026

Do You Know What Challenges First Home Buyers Face?

Understanding the hurdles of buying your first home in Heidelberg and how to overcome them with the right support.

Image for Understanding the Basics of Commercial Property Loans

24th February 2026

Understanding the Basics of Commercial Property Loans

A comprehensive guide for Bundoora business owners looking to purchase a commercial office building with the right business loan structure.

Image for What are Investment Loans for Purchasing a Duplex?

17th February 2026

What are Investment Loans for Purchasing a Duplex?

Discover how self-employed Victorians can leverage investment property finance to purchase a duplex and build wealth through property investment.

Image for Top Tips to Structure Your Commercial Loan Properly

10th February 2026

Top Tips to Structure Your Commercial Loan Properly

Understanding commercial loan structuring helps self-employed Victorians secure the right finance for their property investments and business growth.

Image for Understanding Commercial Loan Documentation Requirements

10th February 2026

Understanding Commercial Loan Documentation Requirements

What self-employed business owners in Victoria need to know about commercial loan paperwork and how to prepare effectively

Image for Fixed Rate Home Loans at Different Life Stages

3rd February 2026

Fixed Rate Home Loans at Different Life Stages

How fixed interest rate home loans can support your financial goals as a self-employed Victorian

Image for Understanding Asset Finance for HVAC System Purchases

27th January 2026

Understanding Asset Finance for HVAC System Purchases

How self-employed Victorians can secure funding for heating, ventilation and air conditioning equipment through Asset Finance

Image for Everything You Need to Know About Refinancing Multiple Properties

20th January 2026

Everything You Need to Know About Refinancing Multiple Properties

A comprehensive guide for self-employed Victorians looking to refinance their property portfolio and maximise their investment potential.

Image for Proven tips to secure variable rate loans for first home buyers

13th January 2026

Proven tips to secure variable rate loans for first home buyers

Essential guide for self-employed Victorians understanding variable interest rate options when buying your first home

Image for Unlock the secrets to Business Loan eligibility criteria

6th January 2026

Unlock the secrets to Business Loan eligibility criteria

Understanding what lenders look for when self-employed Victorians apply for business funding and financing solutions.

Image for Smart ways to unlock mortgage refinancing benefits

30th December 2025

Smart ways to unlock mortgage refinancing benefits

Discover how self-employed borrowers in Victoria can access lower rates and release property equity through refinancing

Image for Unlock the Secrets to SMSF Unit Purchases with Confidence

23rd December 2025

Unlock the Secrets to SMSF Unit Purchases with Confidence

Your complete guide to using your Self-Managed Super Fund for unit investments in Australia

Image for Smart tips to secure your first home loan in Heidelberg

17th December 2025

Smart tips to secure your first home loan in Heidelberg

Your complete guide to understanding home loan options, application processes and securing finance for your first property purchase.

Image for Variable Rate Investment Loans and Life Stages

10th December 2025

Variable Rate Investment Loans and Life Stages

How variable rate investment loans can work for you at different life stages in Bundoora

Image for The smartest way to finance apartments vs houses in Victoria

5th December 2025

The smartest way to finance apartments vs houses in Victoria

Understanding the key differences between apartment and house financing can help self-employed Victorians make informed property decisions.

Image for The smartest way to finance your duplex investment purchase

5th December 2025

The smartest way to finance your duplex investment purchase

Self-employed Victorians can unlock duplex investment opportunities with the right home loan strategy and professional guidance.

Image for What are Economic Factors for Self-Employed Home Loans?

5th December 2025

What are Economic Factors for Self-Employed Home Loans?

Understanding how economic conditions affect home loan applications and borrowing capacity for self-employed Victorians.

Image for Variable Home Loan Fees & Costs: Everything You Need to Know

5th December 2025

Variable Home Loan Fees & Costs: Everything You Need to Know

Understanding the complete fee structure of variable rate home loans helps self-employed Victorians make informed borrowing decisions.

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The Trustee for LV Archbold Investment Trust ABN: 76 941 652 976. Credit Representative #504922 is authorised under Australian Credit Licence #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.