Latest Articles from G&T Finance

Check out the latest blog posts from G&T Finance

Featured Articles

Image for How to Use a Variable Rate Investment Loan

4th September 2026

How to Use a Variable Rate Investment Loan

A plain look at variable rate investor loans in Perth, when they make sense, and how the structure affects your borrowing and cash flow.

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2nd September 2026

When to Apply for Your First Home Loan in Rockingham

The specific deposit, duty and lender challenges Rockingham first home buyers face, and when to start your application to avoid delays.

Image for Understanding the Basics of Construction Loan Funding

31st August 2026

Understanding the Basics of Construction Loan Funding

How progressive drawdown works, what lenders actually require, and what it costs to fund a building project in Quinns Rocks

Image for Settlement and Home Loans: The Steps and The Costs

28th August 2026

Settlement and Home Loans: The Steps and The Costs

What actually happens between approval and settlement, what you pay, and why some buyers in Jindalee walk away with more cash left over than others.

Investment Loans

Image for How to Use a Variable Rate Investment Loan

4th September 2026

How to Use a Variable Rate Investment Loan

A plain look at variable rate investor loans in Perth, when they make sense, and how the structure affects your borrowing and cash flow.

Image for When to Borrow for an Established Investment Property

21st August 2026

When to Borrow for an Established Investment Property

What Mandurah buyers need to know about investor lending, tax changes, and structuring property finance that still works after July 2027.

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14th August 2026

Beginner's Guide to Investment Loan Approval

What lenders assess when you apply for an investment property loan, and how to position yourself for approval in Jindalee and beyond.

Image for Simple hacks to scale an investment property portfolio

7th August 2026

Simple hacks to scale an investment property portfolio

The practical steps to buying and holding multiple investment properties when you're building long-term wealth in Lakelands and beyond

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17th July 2026

Avoid These Investment Loan Research Mistakes

What changed in mid-2026 affects how Alkimos investors compare loan products, structure repayments, and build a rental property portfolio.

Image for Top 10 Ways to Finance a Duplex Investment in Rockingham

10th July 2026

Top 10 Ways to Finance a Duplex Investment in Rockingham

What changes from July 2027, what still works today, and how to structure your loan before the rules shift.

Image for How to Fund an Investment Apartment in Quinns Rocks

28th June 2026

How to Fund an Investment Apartment in Quinns Rocks

A plain guide to loan structure, deposit requirements, and rental income assessment when buying your first or next investment apartment.

First Home Buyers

Image for When to Apply for Your First Home Loan in Rockingham

2nd September 2026

When to Apply for Your First Home Loan in Rockingham

The specific deposit, duty and lender challenges Rockingham first home buyers face, and when to start your application to avoid delays.

Image for The Easiest Way to Use an Offset Account as a First Home Buyer

8th July 2026

The Easiest Way to Use an Offset Account as a First Home Buyer

How an offset account can reduce your interest costs from day one, and what Mandurah first home buyers need to know before choosing one.

Image for Common Mistakes Buying a Two Bedroom in Lakelands

1st July 2026

Common Mistakes Buying a Two Bedroom in Lakelands

Why rushing into a two bedroom property without understanding borrowing capacity, deposit rules and lender criteria can cost Lakelands first home buyers thousands.

Image for Proven Tips to Overcome First Time Buyer Challenges

4th June 2026

Proven Tips to Overcome First Time Buyer Challenges

The deposit, eligibility, and approval hurdles that stop most first home buyers in Mandurah, and how to work around them.

Image for When to Apply for a First Home Loan in Quinns Rocks

28th May 2026

When to Apply for a First Home Loan in Quinns Rocks

What first home buyers in Quinns Rocks should understand about deposit schemes, stamp duty concessions, and when your application is actually ready to submit.

Construction Loans

Image for Understanding the Basics of Construction Loan Funding

31st August 2026

Understanding the Basics of Construction Loan Funding

How progressive drawdown works, what lenders actually require, and what it costs to fund a building project in Quinns Rocks

Image for Everything You Need to Know About Construction Loan Prep

17th August 2026

Everything You Need to Know About Construction Loan Prep

Getting your construction finance application right from the start saves time, prevents delays, and keeps your build on schedule in Lakelands.

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3rd August 2026

Top Strategies to Finance Investment Property Construction

How construction loans work for investors building in Mandurah, from land purchase through to settlement and the first rental payment

Image for Proven Tips to Manage Progressive Drawdown on Construction Loans

24th July 2026

Proven Tips to Manage Progressive Drawdown on Construction Loans

How progressive drawdown works for Jindalee clients building a new home, including payment schedules, interest charges, and what to expect at each stage.

Image for Smart ways to approach knockdown rebuild finance

15th July 2026

Smart ways to approach knockdown rebuild finance

How construction loans work when you're pulling down an existing home and building new on the same block in Perth

Image for Do you know what fees apply to construction loans?

2nd July 2026

Do you know what fees apply to construction loans?

From progressive drawing fees to valuation costs, understanding the fee structure on construction finance helps you budget accurately for your build in Alkimos.

Image for Understanding the Basics of Construction Loan Funding

24th June 2026

Understanding the Basics of Construction Loan Funding

How progressive drawdowns work, what lenders require from your builder, and what you'll actually pay during the build phase in Rockingham

Image for 10 Ways Construction Loan Monitoring Protects Your Build

19th June 2026

10 Ways Construction Loan Monitoring Protects Your Build

How independent progress inspections and controlled drawdowns protect your money when building in Alkimos and why lender monitoring matters more than most people expect.

Image for What Not to Do When Buying a Renovation Project

2nd June 2026

What Not to Do When Buying a Renovation Project

How construction loans work when you're buying a property that needs work before you can move in

Home Loans

Image for Settlement and Home Loans: The Steps and The Costs

28th August 2026

Settlement and Home Loans: The Steps and The Costs

What actually happens between approval and settlement, what you pay, and why some buyers in Jindalee walk away with more cash left over than others.

Image for Downsizing Your Home? Avoid These 4 Loan Mistakes

26th August 2026

Downsizing Your Home? Avoid These 4 Loan Mistakes

What happens when you sell a larger property and finance something smaller in Lakelands without the right home loan structure.

Image for The easiest way to understand variable rate fees

24th August 2026

The easiest way to understand variable rate fees

Variable rate home loans come with costs beyond the interest rate, and knowing what you'll actually pay helps you compare options properly.

Image for Buying a Home Closer to Family: The Costs and Considerations

19th August 2026

Buying a Home Closer to Family: The Costs and Considerations

Moving closer to family in Quinns Rocks means more than choosing a property. Your loan structure can make the move work or cost you thousands.

Image for Loan Structure: What Not to Do When Setting Up

12th August 2026

Loan Structure: What Not to Do When Setting Up

How you set up your loan matters more than the rate you get, and most borrowers in Mandurah lock themselves into structures they'll outgrow within three years.

Image for Top Strategies to Finance a Home with a Backyard

10th August 2026

Top Strategies to Finance a Home with a Backyard

How to structure your home loan when buying a property with outdoor space in Quinns Rocks and what lenders look for.

Image for Why You Should Compare Home Loans Before Applying

5th August 2026

Why You Should Compare Home Loans Before Applying

How comparing loan products in Rockingham helps you find the right features, rate structure, and lending terms for your situation.

Image for Why Serviceability Matters More Than Your Deposit

20th July 2026

Why Serviceability Matters More Than Your Deposit

How lenders assess your borrowing capacity in Mandurah and what you can do to strengthen your position before applying.

Image for Deposit Requirements & What Not to Assume About LMI

12th July 2026

Deposit Requirements & What Not to Assume About LMI

The deposit you need depends on how lenders view your situation, not just the percentage you've saved towards a Quinns Rocks property.

Image for Unlock the secrets to financing a Perth terrace house

29th June 2026

Unlock the secrets to financing a Perth terrace house

From narrow blocks to heritage overlays, terrace houses have lending quirks that catch buyers off guard if you don't know what to watch for.

Image for Everything You Need to Know About Credit Scores & Home Loans

22nd June 2026

Everything You Need to Know About Credit Scores & Home Loans

Your credit file affects your home loan options more than you might think. What lenders actually see and how it changes what you can borrow.

Image for Stamp Duty Exceptions: The Savings and the Conditions

16th June 2026

Stamp Duty Exceptions: The Savings and the Conditions

Understanding how concessions and exemptions work in Western Australia, and what first home buyers in Lakelands need to qualify for them.

Image for Proven Tips to Use Tax Deductions on Your Home Loan

14th June 2026

Proven Tips to Use Tax Deductions on Your Home Loan

How property investors and homeowners in Quinns Rocks can use tax strategy to reduce what they pay and build equity faster

Image for Variable Rate Home Loans & the Terms You Should Know

10th June 2026

Variable Rate Home Loans & the Terms You Should Know

Understanding variable rate loan terms helps you choose the right home loan features, know what flexibility costs, and avoid paying for options you won't use.

Image for Common Mistakes When Applying for a Home Loan

8th June 2026

Common Mistakes When Applying for a Home Loan

What buyers in Rockingham overlook during the home loan process and how to approach your application with realistic expectations

Refinancing

Image for Understanding the Basics of Refinancing Settlement

31st July 2026

Understanding the Basics of Refinancing Settlement

What actually happens between approval and discharge when you refinance, and how to prepare for settlement without delays or surprises.

Image for The easiest way to refinance and access equity for education

29th July 2026

The easiest way to refinance and access equity for education

Refinancing your home loan to fund university fees, private schooling, or vocational training can unlock equity without selling property or depleting savings.

Image for What Not to Do When Refinancing: Eligibility Gaps

27th July 2026

What Not to Do When Refinancing: Eligibility Gaps

The income, equity, and credit details that determine whether your refinance application gets approved or declined in Rockingham's current lending environment.

Image for Common Mistakes When Changing Loan Terms During Refinancing

22nd July 2026

Common Mistakes When Changing Loan Terms During Refinancing

Understanding how adjusting your loan term when you refinance affects your repayments, total interest, and long-term financial position in Lakelands.

Image for Simple hacks to cut your home loan rate

6th July 2026

Simple hacks to cut your home loan rate

Refinancing to a lower interest rate could reduce your monthly repayments and save you thousands over the life of your loan.

Image for Top Strategies to Refinance Multiple Properties

11th June 2026

Top Strategies to Refinance Multiple Properties

How portfolio holders in Jindalee can restructure several loans at once without creating unnecessary work or missing opportunities to save.

Image for Everything you need to know about refinancing payment frequency

3rd June 2026

Everything you need to know about refinancing payment frequency

How changing your repayment schedule when you refinance can shift your loan balance and interest costs without lifting your monthly budget

Recent Articles

Image for Moving from New Zealand to Perth?

29th June 2026

Moving from New Zealand to Perth?

Here's our guide

Image for Beginner's Guide to Variable Rate Investment Loans

27th May 2026

Beginner's Guide to Variable Rate Investment Loans

Understanding the features that make variable rate loans flexible tools for property investors building portfolios in Rockingham and across the Perth region

Image for Avoid These 5 Mistakes When Planning Around Your Home Loan

25th May 2026

Avoid These 5 Mistakes When Planning Around Your Home Loan

Financial planning and your mortgage should work together, not against each other. These five overlooked decisions can cost you thousands or lock you out of opportunities.

Image for Why Settlement on a Construction Loan Works Differently

22nd May 2026

Why Settlement on a Construction Loan Works Differently

Understanding progressive drawdowns and staged payments when building your new home in Alkimos rather than buying an existing property

Image for Simple Hacks to Navigate Building Finance Regulations

20th May 2026

Simple Hacks to Navigate Building Finance Regulations

What you need to know about construction finance compliance before signing with a builder in Quinns Rocks

Image for Multi-Unit Development Site Loans in Mandurah

18th May 2026

Multi-Unit Development Site Loans in Mandurah

What you need to know when financing a development site purchase, from deposit structures to progressive drawdown and council timing.

Image for Do You Know What Your Home Loan Can Actually Do?

15th May 2026

Do You Know What Your Home Loan Can Actually Do?

Understanding mortgage features matters more than chasing the lowest rate when you're planning to keep a loan for years.

Image for Investment Loans and Building Property Wealth in Rockingham

12th May 2026

Investment Loans and Building Property Wealth in Rockingham

How choosing the right investment loan structure and planning for rental income, holding costs, and portfolio growth affects long-term returns in Rockingham's property market.

Image for Investment loans for holiday rentals in Alkimos

11th May 2026

Investment loans for holiday rentals in Alkimos

What you need to know about borrowing for a holiday rental property when location, vacancy patterns and lender approach all work differently

Image for Serviceability: What It Means for Your Home Loan

8th May 2026

Serviceability: What It Means for Your Home Loan

Understanding how lenders calculate what you can borrow and what that means for your home loan application in Mandurah.

Image for Deposit Requirements and What They Mean for Quinns Rocks

5th May 2026

Deposit Requirements and What They Mean for Quinns Rocks

How much deposit you actually need for a home loan in Quinns Rocks, and what happens when you can't hit the 20% mark

Image for Rental Market Analysis for Investment Loan Decisions

4th May 2026

Rental Market Analysis for Investment Loan Decisions

Understanding Perth's rental landscape helps you choose the right property, structure your investment loan properly, and build wealth without overextending.

Image for Refinancing to Lower Your Rate in Rockingham

1st May 2026

Refinancing to Lower Your Rate in Rockingham

How homeowners in Rockingham can reduce their mortgage interest rate and improve their cashflow through refinancing their home loan.

Image for Why Cash Flow Matters More Than Rent When Buying Investment

29th April 2026

Why Cash Flow Matters More Than Rent When Buying Investment

Many Lakelands property investors focus on rental returns without accounting for the actual weekly cash position that determines whether you can hold the property long-term.

Image for Construction Loan Monitoring: What Happens to Your Funds

28th April 2026

Construction Loan Monitoring: What Happens to Your Funds

How progressive drawdowns work, when inspections occur, and what it means for your building timeline and budget in Mandurah.

Image for What First Home Buyers Should Know About Buying Apartments

24th April 2026

What First Home Buyers Should Know About Buying Apartments

Local insights for Quinns Rocks buyers considering apartments, including deposit requirements, strata considerations, and how lenders assess unit properties differently.

Image for Refinancing to Lower Your Interest Rate in Jindalee

22nd April 2026

Refinancing to Lower Your Interest Rate in Jindalee

How moving your home loan can reduce what you're paying each month and why your current lender won't tell you when to switch

Image for Property Location and Your Home Loan Approval

20th April 2026

Property Location and Your Home Loan Approval

Where you're buying in Perth matters just as much as how much you're borrowing when lenders assess your application.

Image for Multi-Unit Development Construction Loans in Mandurah

16th April 2026

Multi-Unit Development Construction Loans in Mandurah

What developers need to know about securing construction funding for townhouses, villas, and apartments in Mandurah's growing property market.

Image for What are Fixed Rates and Offset Accounts for Investment?

15th April 2026

What are Fixed Rates and Offset Accounts for Investment?

Understanding how fixed rate investment loans and offset accounts work together to help Quinns Rocks property investors build wealth.

Image for Unlock the Keys to Buying a Home Closer to Family

13th April 2026

Unlock the Keys to Buying a Home Closer to Family

Discover how the right home loan options can help Rockingham residents move closer to loved ones while achieving home ownership.

Image for Variable Rate Loan Terms for First Home Buyers in Alkimos

9th April 2026

Variable Rate Loan Terms for First Home Buyers in Alkimos

Understanding variable interest rates and loan features to help Alkimos first home buyers make informed decisions about their first home loan application.

Image for How to Purchase a Home with More Outdoor Space

7th April 2026

How to Purchase a Home with More Outdoor Space

Discover how the right home loan can help you secure a property with the outdoor lifestyle Jindalee families love.

Image for Guide to Investment Loan Approval for Lakelands Investors

7th April 2026

Guide to Investment Loan Approval for Lakelands Investors

Understanding how investment loan approval works and what you need to know before buying an investment property in Lakelands.

Image for How Rate Lock-ins and Break Costs Work for First Home Buyers

3rd April 2026

How Rate Lock-ins and Break Costs Work for First Home Buyers

Understanding fixed interest rates, rate lock-ins, and break costs can help Perth first home buyers make informed decisions about their home loan.

Image for Should I Fix My Home Loan?

1st April 2026

Should I Fix My Home Loan?

let me break it down the way I’d explain it sitting across from you.

Image for Unlock the Secrets to Buying a Home Closer to Work

1st April 2026

Unlock the Secrets to Buying a Home Closer to Work

Discover how the right home loan can help Quinns Rocks residents reduce commute times and achieve home ownership near their workplace.

Image for Your Guide to Home Loan Interest Rates in Rockingham

30th March 2026

Your Guide to Home Loan Interest Rates in Rockingham

Understanding home loan interest rates and how they impact your mortgage repayments when buying or refinancing in Rockingham.

Image for How to Fund Your Renovation Project with Construction Loans

27th March 2026

How to Fund Your Renovation Project with Construction Loans

Learn how construction finance works when purchasing a property to renovate in Mandurah and what you need to know before applying.

Image for A Guide to Fixed Rate Loans for First Home Buyers

25th March 2026

A Guide to Fixed Rate Loans for First Home Buyers

Understanding fixed interest rate home loans can help Jindalee first home buyers make informed decisions about their property purchase.

Image for Proven Tips to Maximise Your Offset Account Benefits

23rd March 2026

Proven Tips to Maximise Your Offset Account Benefits

Discover how an offset account can reduce your home loan interest and help Lakelands homeowners build equity faster.

Image for Construction Loans: What You Need Before You Build

20th March 2026

Construction Loans: What You Need Before You Build

Understanding building finance requirements can help Alkimos residents turn their dream home plans into reality with proper construction funding.

Image for How Variable Rate Loans and Offset Accounts Work

18th March 2026

How Variable Rate Loans and Offset Accounts Work

Understanding variable home loan rates and mortgage offset accounts can help you build equity and achieve home ownership in Mandurah.

Image for What are the Key Features of Home Loans?

15th March 2026

What are the Key Features of Home Loans?

Discover the essential mortgage features that could help you save money and build equity when choosing your home loan in Rockingham.

Image for Do You Know How to Buy a Townhouse as a First Home Buyer?

13th March 2026

Do You Know How to Buy a Townhouse as a First Home Buyer?

Discover what first home buyers in Jindalee need to know when purchasing a townhouse and how to secure the right home loan.

Image for Everything You Need to Know About Home Loan Costs and Fees

11th March 2026

Everything You Need to Know About Home Loan Costs and Fees

Understanding the true cost of your home loan goes beyond the interest rate - discover what fees you might encounter along the way.

Image for A Guide to Variable Rate Home Loan Terms in Mandurah

9th March 2026

A Guide to Variable Rate Home Loan Terms in Mandurah

Understanding variable interest rates and how they work can help Mandurah homeowners make informed decisions about their home loan products.

Image for Top 10 Tips for First Home Buyers and House and Land Packages

6th March 2026

Top 10 Tips for First Home Buyers and House and Land Packages

Your complete guide to purchasing a house and land package in Rockingham, covering deposits, grants, concessions and home loan options.

Image for Understanding Investment Property Selection with Loans

4th March 2026

Understanding Investment Property Selection with Loans

A practical guide for Alkimos investors on choosing the right property and securing investment loan options that support your wealth-building goals.

Image for Refinancing to Consolidate Debt: The Pros and Cons

1st March 2026

Refinancing to Consolidate Debt: The Pros and Cons

Discover how refinancing your home loan to consolidate debt could help you reduce loan costs and improve cashflow in Lakelands.

Image for Do You Know About Construction Loan Compliance?

27th February 2026

Do You Know About Construction Loan Compliance?

Understanding construction loan compliance requirements helps Quinns Rocks residents successfully finance their new home construction projects with confidence.

Image for Understanding the Basics of Construction Loans

25th February 2026

Understanding the Basics of Construction Loans

Learn how construction finance works and discover how you can build your dream home in Rockingham with the right funding solution.

Image for How to Refinance Your Home Loan to Change Loan Terms

22nd February 2026

How to Refinance Your Home Loan to Change Loan Terms

Discover how refinancing your mortgage can help you access lower rates, unlock equity, and improve your loan features in Alkimos.

Image for Investment Risk Management for Property Investors

19th February 2026

Investment Risk Management for Property Investors

Understanding how to protect your property investment portfolio while building long-term wealth through effective risk management strategies in Mandurah.

Image for Fixed Rate Loans and Offset Accounts Explained

18th February 2026

Fixed Rate Loans and Offset Accounts Explained

Understanding how fixed interest rate home loans work with offset accounts can help you make informed decisions for your Perth property.

Image for Understanding the Home Buying Timeline for First Home Buyers

15th February 2026

Understanding the Home Buying Timeline for First Home Buyers

A step-by-step guide to help Jindalee first home buyers understand the journey from saving your deposit to settlement

Image for Unlock the Secrets to Fixed Rates and Offset Accounts

13th February 2026

Unlock the Secrets to Fixed Rates and Offset Accounts

Your complete guide to understanding fixed interest rate loans and offset accounts as a first home buyer in Rockingham

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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.