The proposed 30 per cent minimum tax on discretionary trusts is not yet law. A second mortgage can fund the cost of restructure inside the rollover window.

How the 12 May 2026 Budget settlement watershed shapes private lending decisions for self-employed Australian property investors.

Site acquisition finance lets a small developer secure a contract before the senior development facility is drawn. After the 12 May Budget supply package, the sequencing matters more than the headline rate.

The three levers a cafe operator pulls when restructuring, mapped against the 2026-27 Budget, EOFY, and the current rate environment.

Five signals that an existing cafe operator should refinance their self-employed home loan into a One Doc home loan, set against the APRA DTI cap.

Refurbish or move, the cafe commercial property refinance question, set against permanent IAWO and the EOFY stamp duty window.

Five signals a cafe operator's facility stack needs restructure before 30 June, against Payday Super, IAWO permanence, and the rate environment.

How a private facility funds a cafe partner buy-out, and the exit pathway into a senior refinance under the current rate environment.

A vertical-axis map of manufacturer finance: plastics leads on chattel mortgage, textile on commercial property, print on bridging, beverage on packaging.

The misconception is One Doc is for advisory self-employed only. Plastics, print and textile manufacturer operators qualify when income reads right.