Latest Articles from Soar Finance

Check out the latest blog posts from Soar Finance

Featured Articles

Image for The Pros and Cons of Owning vs Leasing Business Assets

30th October 2026

The Pros and Cons of Owning vs Leasing Business Assets

Why the structure you choose for commercial equipment finance affects your tax position, cashflow, and balance sheet more than the interest rate ever will.

Image for How to Buy Your First House in Victoria

30th October 2026

How to Buy Your First House in Victoria

A precise breakdown of deposit structures, government schemes, and lender appetite for Victorian first home buyers ready to purchase property.

Image for What Are Refinancing Loan Term Changes & Their Impact

27th October 2026

What Are Refinancing Loan Term Changes & Their Impact

Discover how adjusting your loan term when refinancing can accelerate wealth building or improve cashflow in Middle Park's premium property market.

Image for The easiest way to buy your first Port Melbourne property

22nd October 2026

The easiest way to buy your first Port Melbourne property

Navigate deposit options, stamp duty relief, and loan structures that position Port Melbourne first home buyers to move fast in a high-value suburb.

Asset Finance

Image for The Pros and Cons of Owning vs Leasing Business Assets

30th October 2026

The Pros and Cons of Owning vs Leasing Business Assets

Why the structure you choose for commercial equipment finance affects your tax position, cashflow, and balance sheet more than the interest rate ever will.

Image for The Easiest Way to Stay Compliant with Asset Finance

13th August 2026

The Easiest Way to Stay Compliant with Asset Finance

Understanding the compliance framework behind commercial equipment finance keeps your business structure sound and your tax position defensible when the ATO comes asking.

Image for Beginner's Guide to Restaurant Fitout Finance

30th July 2026

Beginner's Guide to Restaurant Fitout Finance

How asset finance structures preserve capital and accelerate your hospitality venture from lease signing to first service in Victoria.

Image for Top 10 Ways to Finance Plant & Equipment Acquisitions

24th July 2026

Top 10 Ways to Finance Plant & Equipment Acquisitions

How Middle Park businesses can structure asset finance to preserve capital, manage cashflow, and accelerate growth without depleting working reserves.

Image for The Pros and Cons of Asset Finance in Middle Park

16th July 2026

The Pros and Cons of Asset Finance in Middle Park

From cafe fitouts to construction gear, understanding how equipment funding works when you're building something that matters in Middle Park.

Image for Everything You Need to Know About Work Vehicle Finance

30th June 2026

Everything You Need to Know About Work Vehicle Finance

How Middle Park business owners structure asset purchases to preserve capital, accelerate depreciation claims, and maintain flexibility as their operation scales.

Image for The easiest way to finance a crane for your business

2nd June 2026

The easiest way to finance a crane for your business

Crane financing lets you acquire critical lifting equipment without draining working capital, with structures that match your revenue cycle and deliver immediate tax advantages.

First Home Buyers

Image for How to Buy Your First House in Victoria

30th October 2026

How to Buy Your First House in Victoria

A precise breakdown of deposit structures, government schemes, and lender appetite for Victorian first home buyers ready to purchase property.

Image for The easiest way to buy your first Port Melbourne property

22nd October 2026

The easiest way to buy your first Port Melbourne property

Navigate deposit options, stamp duty relief, and loan structures that position Port Melbourne first home buyers to move fast in a high-value suburb.

Image for Do Variable Loans & Extra Repayments Build Equity Faster?

16th October 2026

Do Variable Loans & Extra Repayments Build Equity Faster?

Albert Park first home buyers using variable rates with extra repayments can accelerate equity growth and reduce interest paid over the life of the loan.

Image for Top tips to pick a variable rate loan that builds wealth

15th October 2026

Top tips to pick a variable rate loan that builds wealth

Variable rate home loans carry flexibility most first home buyers underuse. Learn which features convert a standard loan into a wealth-building tool.

Image for Why First Home Buyers Should Start Before They're Ready

29th September 2026

Why First Home Buyers Should Start Before They're Ready

The window to enter Melbourne's property market rewards preparation over hesitation, and the gap between aspiration and execution is smaller than most professionals assume.

Image for Beginner's Guide to First Time Buyer Challenges

24th September 2026

Beginner's Guide to First Time Buyer Challenges

Understanding deposit gaps, LMI costs, and borrowing limits before you sign anything in Melbourne's competitive property market.

Image for Smart Ways to Approach Your First Home Buying Checklist

8th September 2026

Smart Ways to Approach Your First Home Buying Checklist

What Middle Park first home buyers need to prepare before applying for finance, and the concessions that can shift your deposit timeline by months.

Image for Fixed Rate Terms: Avoid These Mistakes First Home Buyers Make

21st August 2026

Fixed Rate Terms: Avoid These Mistakes First Home Buyers Make

Why the term you lock in matters as much as the rate itself, and how to structure a fixed loan that works when circumstances shift.

Image for Beginner's Guide to House and Land Packages

7th July 2026

Beginner's Guide to House and Land Packages

What Victorian first home buyers need to know about deposit requirements, government schemes, and finance structures when purchasing house and land.

Image for Unlock the Secrets to Variable Rate Loan Terms

2nd July 2026

Unlock the Secrets to Variable Rate Loan Terms

Albert Park first home buyers need to understand how variable rate structures protect capital growth while maintaining flexibility in a volatile rate environment.

Image for Fixed Rates and Offsets: What Not to Assume

16th June 2026

Fixed Rates and Offsets: What Not to Assume

Choosing between fixed rate security and offset flexibility is one of the most consequential decisions for first home buyers, and most get it wrong.

Image for Unlock the Secrets to Fixed Rates and Extra Repayments

4th June 2026

Unlock the Secrets to Fixed Rates and Extra Repayments

Fixed rate loans offer certainty, but the rules around extra repayments can either accelerate your wealth or cost you thousands in penalties.

Refinancing

Image for What Are Refinancing Loan Term Changes & Their Impact

27th October 2026

What Are Refinancing Loan Term Changes & Their Impact

Discover how adjusting your loan term when refinancing can accelerate wealth building or improve cashflow in Middle Park's premium property market.

Image for Do you know how to use your equity to buy again?

13th October 2026

Do you know how to use your equity to buy again?

Refinancing to release equity is how professionals convert property growth into a second purchase without selling their first asset.

Image for What is Equity Release and How Does Refinancing Work?

11th September 2026

What is Equity Release and How Does Refinancing Work?

How Melbourne homeowners are using refinancing to unlock property equity for renovations, investments, and wealth-building without selling their homes.

Image for Do you know how an offset account refinance works?

4th August 2026

Do you know how an offset account refinance works?

Refinancing to add an offset account can reduce years off your loan term while maintaining liquidity that Middle Park property owners need.

Construction Loans

Image for Top 10 Ways to Secure Land & Build Finance in Melbourne

11th October 2026

Top 10 Ways to Secure Land & Build Finance in Melbourne

How construction loans work when you're buying land to build on, from progressive drawdowns to timing your deposit and managing cashflow during the build.

Image for Do you know the finance regulations for building?

7th August 2026

Do you know the finance regulations for building?

Understanding Victoria's building finance requirements could determine whether your construction project gets funded or stalls before it starts.

Image for Unlock the secrets to financing multi-unit development sites

25th June 2026

Unlock the secrets to financing multi-unit development sites

Construction finance for multi-unit sites demands different structures, deeper equity, and lenders who understand development risk from the first conversation.

Home Loans

Image for Do You Know How Property Research Shapes Your Home Loan?

28th September 2026

Do You Know How Property Research Shapes Your Home Loan?

South Melbourne buyers who do their homework before applying secure sharper rates, stronger pre-approval, and fewer knock-backs at settlement.

Image for The Pros and Cons of Buying with 10% Deposit in Albert Park

22nd September 2026

The Pros and Cons of Buying with 10% Deposit in Albert Park

What a 10% deposit unlocks in one of Melbourne's most competitive postcodes, and where it still leaves you exposed.

Image for Simple hacks to secure home loans as self-employed

18th September 2026

Simple hacks to secure home loans as self-employed

Victoria's self-employed borrowers face stricter lending rules, but the right preparation can unlock full borrowing capacity and competitive rates.

Image for Common Mistakes with Rate Lock-ins and Break Costs

10th September 2026

Common Mistakes with Rate Lock-ins and Break Costs

Fixed rates protect against rises but lock you into obligations that can cost tens of thousands to exit early if your circumstances shift.

Image for Why Should You Care About Home Loan Features?

1st September 2026

Why Should You Care About Home Loan Features?

The features bundled into your mortgage can shift your financial position by thousands annually, but only if you know which ones matter.

Image for Top tips to secure a townhouse loan in Middle Park

27th August 2026

Top tips to secure a townhouse loan in Middle Park

What Melbourne's inner-south professionals need to know before financing a Middle Park townhouse in a market where equity matters more than sentiment.

Image for Beginner's Guide to Buying a Home with a Backyard

20th August 2026

Beginner's Guide to Buying a Home with a Backyard

What Albert Park buyers need to know about structuring a home loan for properties with outdoor space and building long-term wealth.

Image for What is Serviceability Assessment for Home Loans?

14th August 2026

What is Serviceability Assessment for Home Loans?

Understanding how lenders calculate what you can borrow and what Port Melbourne buyers need to prove when applying for finance.

Image for Simple hacks to maximise your borrowing capacity

31st July 2026

Simple hacks to maximise your borrowing capacity

The Port Melbourne buyer's guide to strengthening your application and accessing more capital for your next property move

Image for When to Lock in Rates vs When to Wait

28th July 2026

When to Lock in Rates vs When to Wait

Why timing the market on your home loan rarely works, and what Melbourne buyers should focus on instead

Image for Beginner's Guide to Home Loans for Vacant Land

23rd July 2026

Beginner's Guide to Home Loans for Vacant Land

How professionals secure finance to purchase vacant land, what lenders require, and why your loan structure matters before you build.

Image for When to Lock In Rates for Retirement Property

10th July 2026

When to Lock In Rates for Retirement Property

Funding a retirement home requires sharp lending strategy, not just passive approval. Understanding age-related policy and loan structure determines your success.

Image for Avoid These 3 Rate Mistakes That Kill Your Borrowing

9th July 2026

Avoid These 3 Rate Mistakes That Kill Your Borrowing

How interest rate movements shift Port Melbourne borrowing capacity and what sharp buyers do to protect their position before the banks recalculate.

Image for 10 Ways Fixed Rate Loans Shift Across Life Stages

19th June 2026

10 Ways Fixed Rate Loans Shift Across Life Stages

How the right fixed interest rate home loan structure changes as you move from first purchase to portfolio expansion in Albert Park.

Image for Beginner's guide to Fixed Rates and Offset Accounts

18th June 2026

Beginner's guide to Fixed Rates and Offset Accounts

How fixed rate home loans interact with offset accounts, and what South Melbourne buyers should know before locking in a rate.

Image for Top tips to size your deposit for Middle Park property

12th June 2026

Top tips to size your deposit for Middle Park property

How much cash you need upfront for a Middle Park home, why LVR shapes your borrowing power, and what smart buyers do differently.

Image for Credit Score Impact: What Not to Overlook on Home Loans

11th June 2026

Credit Score Impact: What Not to Overlook on Home Loans

Your credit file carries more weight than income alone when lenders assess your home loan application in Albert Park's property market.

Image for Common Mistakes About Lenders Mortgage Insurance

9th June 2026

Common Mistakes About Lenders Mortgage Insurance

What Victorian buyers need to understand about LMI before signing loan documents, and when paying it might accelerate your property goals.

Image for Do you know what a three bedroom loan actually costs?

5th June 2026

Do you know what a three bedroom loan actually costs?

South Melbourne's property market demands precision when structuring a purchase loan for a three bedroom home, from deposit strategy through to rate structure.

Image for What Are Variable Rate Loans and Extra Repayments

29th May 2026

What Are Variable Rate Loans and Extra Repayments

Why Port Melbourne borrowers use variable loans as a wealth-building tool, not just a mortgage product, through strategic extra payments

Investment Loans

Image for Proven Tips to Build Wealth with Positive Gearing

17th September 2026

Proven Tips to Build Wealth with Positive Gearing

How Middle Park investors structure property loans to deliver immediate cash flow and long-term portfolio growth without relying on tax losses.

Image for Proven tips to unlock equity and buy your next property

4th September 2026

Proven tips to unlock equity and buy your next property

How Victorian property investors turn their first home's equity into portfolio expansion without selling or starting from scratch.

Image for Common Mistakes with Investment Loan Structures

3rd September 2026

Common Mistakes with Investment Loan Structures

How the way you structure your investment loan now shapes your borrowing capacity, tax position and portfolio growth for the next decade.

Image for Simple hacks to acquire multiple investment properties

28th August 2026

Simple hacks to acquire multiple investment properties

Build a multi-property portfolio in South Melbourne and beyond using equity, serviceability strategies, and the right loan structure from day one.

Image for The Pros and Cons of Rentvesting in Port Melbourne

25th August 2026

The Pros and Cons of Rentvesting in Port Melbourne

Renting where you want to live while building wealth through investment property offers Port Melbourne professionals a faster path to portfolio growth than waiting to buy locally.

Image for Common Mistakes with Fixed, Variable & Split Investment Loans

18th August 2026

Common Mistakes with Fixed, Variable & Split Investment Loans

How Middle Park investors structure investment property finance to maximise tax deductions, borrowing capacity and portfolio growth under the new negative gearing rules.

Image for Top tips to lock in negative gearing before 2027

11th August 2026

Top tips to lock in negative gearing before 2027

The quarantine rules start in twelve months. Contracts signed now still qualify for full deductions against your salary and business income.

Image for How to Structure Investment Loans for Portfolio Growth

6th August 2026

How to Structure Investment Loans for Portfolio Growth

South Melbourne investors are using specific loan features and structures to scale property holdings while the negative gearing changes reshape what works.

Image for Unlock the secrets to Fixed Rate Investment Loans

17th July 2026

Unlock the secrets to Fixed Rate Investment Loans

How locking in your rate at 28, 42, or 56 changes your leverage, cash flow, and tax position under the new rules.

Image for When to Buy vs When to Wait: Rates & Property Values

14th July 2026

When to Buy vs When to Wait: Rates & Property Values

How investment loan rate changes and South Melbourne property values interact, and what that means for your portfolio growth timing decisions.

Image for What Are the Mechanics of Acquiring Two Investment Properties

3rd July 2026

What Are the Mechanics of Acquiring Two Investment Properties

Structuring debt, using equity, and timing purchases to scale a Melbourne portfolio without blowing your serviceability or waiting a decade.

Image for Unlock the Secrets to Your First Investment Property

26th June 2026

Unlock the Secrets to Your First Investment Property

What South Melbourne professionals need to know about structuring, deposit requirements, and serviceability when buying their first investment property in the current lending environment.

Image for Do you know how equity unlocks your next property?

23rd June 2026

Do you know how equity unlocks your next property?

Port Melbourne homeowners are using existing property equity to fund investment purchases without selling or waiting years to save another deposit.

Image for Investment Property Types & What Not to Buy

28th May 2026

Investment Property Types & What Not to Buy

Not every asset builds wealth the same way. Here's how to pick investment properties that actually perform in Middle Park and beyond.

Car Loans

Image for Top 10 Ways to Finance a Classic Car Purchase

14th September 2026

Top 10 Ways to Finance a Classic Car Purchase

What South Melbourne buyers need to know about securing finance for vintage, collectible, and high-value classic vehicles worth owning.

Image for How to Finance a Sports Car Purchase in Melbourne

21st July 2026

How to Finance a Sports Car Purchase in Melbourne

Strategic financing options for Albert Park buyers looking to acquire high-performance vehicles without compromising their broader wealth position.

Recent Articles

Image for Do you know how house and land loans differ?

26th May 2026

Do you know how house and land loans differ?

House and land packages require separate settlements and staged financing that most Victorian buyers only learn about when it's too late to optimise.

Image for Top 10 Ways to Avoid Refinancing Application Fees

22nd May 2026

Top 10 Ways to Avoid Refinancing Application Fees

What South Melbourne property owners need to know about application fees, discharge costs, and the hidden charges that can eat into your refinancing gains.

Image for Simple hacks to overcome property investment challenges

21st May 2026

Simple hacks to overcome property investment challenges

Port Melbourne investors face rental vacancy risks, serviceability pressure, and limited lending appetite—but structured borrowing strategies unlock portfolio growth regardless.

Image for Smart Ways to Approach Pre-Purchase Planning

20th May 2026

Smart Ways to Approach Pre-Purchase Planning

The decisions you make before you start looking at property will determine your buying power, your timeline, and whether you'll actually get a loan when you're ready.

Image for Investment Deposit: The Pros and Cons of 20% vs 10%

20th May 2026

Investment Deposit: The Pros and Cons of 20% vs 10%

Understanding your deposit options for Albert Park investment properties and how leverage strategy shapes your portfolio growth and borrowing power.

Image for Understanding the basics of settlement when buying

20th May 2026

Understanding the basics of settlement when buying

Settlement is when ownership transfers and funds move. What actually happens in those final hours before you hold the keys.

Image for Top Strategies to Avoid Construction Loan Risks

20th May 2026

Top Strategies to Avoid Construction Loan Risks

Why construction finance fails for Melbourne professionals, and the specific contract clauses and timing traps that protect your capital before the first slab goes down.

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Melbourne, Victoria

Soar Finance Pty Ltd ABN:95 695 409 520 Credit Representative #577536, and Catherine Stone, Credit Representative #577585, are authorised credit representatives of National Lending Group Pty Ltd Australian Credit Licence #412778.

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.