Latest Articles from Lexor Finance

13th November 2026

Common Mistakes With Variable Rate Loans at Each Life Stage

A variable rate home loan can suit a first home, a growing family and retirement planning, provided the structure is reviewed as life changes.

11th November 2026

When to Buy a Four Bedroom Home and Structure Your Loan

How families can plan the loan amount, repayments and loan features before committing to a larger home in Melbourne or elsewhere.

5th November 2026

What Not to Do When Financing a Semi-Detached Home

Semi-detached purchases raise a few lending questions that standalone houses do not. Here is how to prepare your home loan before you make an offer.

4th November 2026

Why Should You Get Pre-Approval Before Buying a House?

A practical guide for Truganina and Victorian buyers on pre-approval, repayments, rate structures and offset accounts before making an offer.

25th October 2026

Why Should Retirees Consider Specialist Home Loan Advice

Purchasing a retirement home requires structured finance advice that accounts for age-related lending criteria, income mix, and long-term equity planning across Victoria.

20th October 2026

Do you know which government schemes apply in Truganina?

Federal support schemes and their practical application for owner-occupied and investment purchases in Melbourne's western growth corridor.

5th October 2026

Top tips to maximise variable home loans with extra payments

Extra repayments on a variable rate home loan reduce interest, shorten the loan term and preserve access to funds when redraw is available.

22nd September 2026

Everything You Need to Know About Interest Rates and Borrowing

How interest rate movements affect your borrowing capacity and what Truganina buyers should consider when applying for a home loan.

19th September 2026

Simple hacks to finance a larger home for your family

How families in Truganina can structure a home loan to upgrade to more space without overcommitting on repayments or draining their equity.

9th November 2026

When to Refinance: The Pros and Cons of Switching Loans

A considered look at the points at which refinancing a home loan makes financial sense, and the costs and risks to weigh first.

30th October 2026

Why Refinancing Settlement Takes Longer Than You Think

Settlement procedures for refinancing involve multiple parties, overlapping timelines, and documentation that depends on precise coordination between lenders.

12th October 2026

Beginner's Guide to Refinancing Documentation

A clear outline of the financial records, statements, and verification documents lenders require when you apply to refinance your mortgage.

7th October 2026

The Easiest Way to Refinance and Access Equity

How Truganina homeowners use mortgage refinancing to release equity for renovations without applying for a separate loan or increasing repayments unnecessarily.

20th September 2026

Avoid These 3 Mistakes When Refinancing for an Offset

How adding an offset account through refinancing can strengthen your loan structure without costing you thousands in avoidable fees and delays.

1st November 2026

Beginner's guide to property inspection tips

How first home buyers in Victoria can approach property inspections with a clear framework and understand what the process means for their loan application.

27th October 2026

Proven Tips to Use Multiple Offset Accounts on Your First Home Loan

Multiple offset accounts can change the way first home buyers manage income, expenses and loan interest from the outset if the structure is set up correctly.

19th October 2026

Proven tips to use variable rates and offset accounts

How first home buyers in Truganina can structure a variable rate loan with an offset account to reduce interest and maintain access to savings.

14th October 2026

Unlock the Secrets to Buying a Two Bedroom First Home

What you need to know about deposit requirements, stamp duty concessions, and loan structures when purchasing a two bedroom property as a first home buyer.

28th September 2026

How to Buy a Semi-Detached House in Truganina

A structured guide for first home buyers targeting semi-detached properties in one of Melbourne's most affordable outer western suburbs.

23rd October 2026

Top Strategies to Manage Investment Loan Risk

Protecting your property portfolio through structural decisions, capital allocation, and regulatory compliance in a post-reform lending environment.

20th October 2026

Top 10 Ways Rental Yield Shapes Your Investment Loan

Understanding how rental yield influences borrowing capacity, loan structure and property selection for residential investors across Australia.

9th October 2026

Top tips to use variable rate loans and extra repayments

Variable rate investment loans offer flexibility that fixed terms cannot match, particularly when combined with a structured repayment approach.

2nd October 2026

Investment Loans: What Not to Do When Buying Multiple Properties

Building a property portfolio in Truganina requires careful structuring from the first loan to avoid capacity constraints that prevent acquisition of subsequent properties.

30th September 2026

When to Use Interest Only for Investment Property Loans

How investors structure lending for new purchases in Truganina, and what the recent legislative changes mean for your borrowing capacity and deductions.

25th September 2026

Smart ways to use home equity for investment property

How property owners in Truganina can leverage existing equity to acquire a second residential investment without selling their current home.

23rd September 2026

Which Truganina Properties Suit Investors?

Selecting investment property in Truganina involves rental yield calculation, zoning familiarity, and understanding how lenders assess different dwelling types for borrowing capacity.

21st September 2026

Smart ways to fund a business partnership buyout

A business partnership buyout demands careful loan structuring and adequate cash flow planning to protect both the business and the departing partner.

11th November 2026

How debt consolidation may help some borrowers right now

Five rate rises in 2026 have certainly strained many household budgets around the country. So what can you do about it? Debt consolidation is one option that may be worth a look. Here’s what’s involved.

3rd November 2026

RBA continues cracking the whip with fifth rate hike this year

Mortgage holders are once again left holding the bag on Melbourne Cup Day with the RBA lifting the cash rate to 4.85%, its highest level in 18 years. If your repayments are starting to bite, here’s how we could help you rein in your interest rate.

28th October 2026

First homebuyers change tack to kickstart their property goals

First homebuyers are rethinking their path to property. We reveal how the ownership dream is evolving, and the strategies first homebuyers are using to achieve their goals.

19th October 2026

Keen to save on your purchase? Seller discounts just hit a 5-year high

Eager to score a price discount on your home purchase? Of course you are. We reveal how much of a discount sellers are currently offering – and what you can do to flex your negotiating muscle.

13th October 2026

A record 82% of home loans rely on mortgage brokers. Here’s why.

What does Australia have in common with the United Kingdom and the Netherlands? In all three countries brokers facilitate more than 80% of new mortgages. We explain why.

7th October 2026

What does a good home loan rate look like now?

A fourth rate rise for 2026 has just made checking your home loan rate a priority. But what does a ‘good’ rate look like right now? We reveal what’s currently a competitive rate, and how you may be able to land one.

29th September 2026

RBA hikes cash rate for fourth time this year, up to 4.60%

Here we go again … The Reserve Bank of Australia (RBA) has raised the cash rate for a fourth time this year to 4.60%. Check out this week’s article to find out why they felt the need to pass on more borrowing pain to mortgage holders.

23rd September 2026

How you could still negatively gear a rental property

The federal budget introduced major tax reforms for property investors, but it may still be possible to enjoy the potential tax benefits of negative gearing. Here’s how it could be done.

15th September 2026

Why holding out for lower prices could hurt first home buyers

In today’s easing market, it may be tempting to wait for property prices to fall further. But it’s a strategy that could see first home buyers left disappointed. We explain why.

8th September 2026

Spring selling season is here. What’s different in 2026?

Australia’s peak property season is underway, and spring 2026 is shaping up as a buyers’ market. Here’s what the experts say we can expect in the weeks ahead.

1st September 2026

Could rates lift off again before Xmas? Here’s how to prepare

Several of the big banks have pivoted on their rate outlook, and are now predicting rate hikes (rather than no change or a fall) this side of Christmas. It could be a cue for homeowners to plan rather than panic.

25th August 2026

Could you spot a property scam? Spoiler alert: over 2 in 5 can’t

Property transactions involve big bucks – and that makes them a big target for scammers. With large sums of money at stake, we reveal what to look out for, and how to protect yourself from property settlement scams.

19th August 2026

The silver lining of a cooling property market for home owners

While rising prices were the talk of the town not so long ago, the tide has started to turn, with property values beginning to soften – but it’s not all bad news for home owners.

11th August 2026

What’s a competitive rate right now? Nearly 50 lenders offer variable rates below 6%

Great news! Homeowners can breathe a sigh of relief, with the Reserve Bank of Australia (RBA) keeping the cash rate on hold in August. But just because the cash rate is sitting tight, doesn’t mean you have to.

4th August 2026

Was your offset account flagged in the ASIC investigation?

So it turns out some mortgage offset accounts haven’t been working as intended, according to a recent investigation. Here’s how to check if your home loan offset account has actually been helping you save.

29th July 2026

How to avoid this common home buyer trap

Waiting for home prices to ‘bottom out’ before buying may seem like a smart strategy but it could work against you. Here are the risks of holding out and hoping for lower prices.

21st July 2026

Great news for buyers: property listings spike, FOMO dials down

Things are looking up for homebuyers. New listings are on the rise, and that can mean more choice and less FOMO pressure for buyers. Here’s how the shift in today’s market could benefit your homebuying plans.

14th July 2026

Lenders cut rates as competition heats up

The Reserve Bank may have kept rates on hold in June, but a growing number of lenders have cut their home loan interest rates. This could be your sign to review your current loan.

7th July 2026

Bank of Mum and Dad: why a written agreement can make sense

With more first home buyers relying on family support to get into the market, we explain why it may be beneficial to put the details in writing if Mum and Dad offer a financial helping hand. 

30th June 2026

New financial year, new reasons to review your home loan

As the calendar flips over to July, now’s a good time to give your home loan a once-over. We look at five strategies that could help you save on interest and pay off your mortgage sooner.

24th June 2026

How the property market is shaping up in your area post budget night

It’s just over a month since the Federal Government unveiled its tax reforms on budget night. Here’s how property values are responding across the major cities.

16th June 2026

Record smashed: over 80% of buyers turn to a broker for help

The mortgage broking industry has notched up an exciting record with the news that brokers now account for 81% of Australia’s residential lending market. Here’s why.

9th June 2026

5 tips to help you clear your mortgage by retirement

Worried you’ll still be paying off your mortgage in retirement? New research shows you’re not alone. Here are five tips to help clear the slate before you hang up your work boots.

2nd June 2026

Not a housing “crash” – easing growth and plenty of buying opportunities

House price growth is slowing but experts say not to expect a crash. We look at what’s changed, and why today’s market may offer good opportunities for homebuyers.

26th May 2026

Gen Z races into the property market

A few tweaks to a popular first home buyer scheme has driven a “surge” in Gen Zs buying their first home. And it’s not the only upside giving first home buyers a boost now.

20th May 2026

Home loan interest rate rising? There may be other options

It was great while it lasted, but the rate cut party is well and truly over. Today we look at how you could potentially reduce your home loan interest rate without relying on the Reserve Bank.

13th May 2026

Federal Budget 2026: how it could affect your property plans

Reforms to negative gearing and capital gains tax have been unveiled in the latest national budget. Here’s what they could mean for investors, first home buyers and home owners.

5th May 2026

Cash rate increases for the third time this year, now up to 4.35%

The hits just keep coming for mortgage holders, with the Reserve Bank of Australia (RBA) today raising the cash rate for a third time this year to 4.35%. If you’re starting to struggle with your mortgage repayments, here’s how you can potentially take act

29th April 2026

How to turn your new-build dreams into reality

22nd April 2026

Could your home loan pre-approval be out of date?

Having loan pre-approval can be a smart move for home buyers. But the recent Reserve Bank cash rate hikes could leave your pre-approval in need of an update.

15th April 2026

Why buyers are defying rate hikes and rising fuel prices

Rate hikes and soaring fuel prices aren’t dampening home buyer enthusiasm, with a strong majority of Aussies still believing the time to buy is now. We look at why home-buying sentiment remains so high.

8th April 2026

One-in-five investors snatch up interstate properties

Is the grass really greener on the other side? Maybe. Australia has seen a surge of investor activity in recent years, with investment loans reaching record highs. But as home prices rise, plenty of investors are looking beyond their own backyard and maki

1st April 2026

5% Deposit Scheme helps more than 300,000 Aussies buy a first home

Buying a first home doesn’t have to mean years of eating beans on toast while you scrape together a 20% deposit. Here’s how you could break into the property market with just a 5% deposit. 

25th March 2026

Good news for buyers – surge in homes hitting the market

If you’re in the market for a home, you may have noticed there hasn’t always been a whole lot of choice in recent months. Fortunately, it looks like property listings are really starting to pick back up. Here’s how to make the most of the increase in choi