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The FY27 Property Finance Stack and the Non-Bank Shift
Nick Lim 28/6/26 Nick Lim 28/6/26

The FY27 Property Finance Stack and the Non-Bank Shift

How self-employed property funding routes around the bank in FY27, across the non-bank stack: commercial, caveat, second mortgage and private lending.

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One Doc Home Loan After the SMSF Lending Change
Nick Lim 28/6/26 Nick Lim 28/6/26

One Doc Home Loan After the SMSF Lending Change

New SMSF rules limit residential property in super. See how self-employed owners hold personally and fund it with a One Doc home loan on business income.

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New-Build Property Finance After the FY27 Reform
Nick Lim 28/6/26 Nick Lim 28/6/26

New-Build Property Finance After the FY27 Reform

How the FY27 reform reshapes new-build, development and commercial property finance for self-employed investors, with a tier-by-tier funding read.

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Second Mortgage Behind the Bank: the FY27 Shift
Nick Lim 28/6/26 Nick Lim 28/6/26

Second Mortgage Behind the Bank: the FY27 Shift

How a second mortgage sits behind a bank first mortgage for self-employed owners, and why non-bank funders now write most of them for FY27.

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What a Caveat Loan Will Not Do for an FY27 Buy
Nick Lim 28/6/26 Nick Lim 28/6/26

What a Caveat Loan Will Not Do for an FY27 Buy

A caveat loan can move fast on an FY27 property purchase, but it has limits. What a caveat will not do, the red flags, and why the exit comes first.

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Freehold vs Leasehold: the FY27 Accommodation Finance Map
Nick Lim 28/6/26 Nick Lim 28/6/26

Freehold vs Leasehold: the FY27 Accommodation Finance Map

Freehold or leasehold sets how an accommodation purchase gears. The FY27 finance map across motels, pubs and parks, and how to plan the deposit.

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Freehold or Leasehold: How Tenure Changes a One Doc Home Loan
Nick Lim 28/6/26 Nick Lim 28/6/26

Freehold or Leasehold: How Tenure Changes a One Doc Home Loan

How owning the freehold or holding a leasehold changes the income and security read on a One Doc home loan for a self-employed accommodation owner.

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Freehold or Leasehold: Which Needs a Commercial Property Loan?
Nick Lim 28/6/26 Nick Lim 28/6/26

Freehold or Leasehold: Which Needs a Commercial Property Loan?

Buying a motel or pub freehold pulls in a commercial property loan; a leasehold going concern does not. How tenure decides the finance you need.

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Leasehold or Freehold Pub: What Changes Without the Bricks
Nick Lim 28/6/26 Nick Lim 28/6/26

Leasehold or Freehold Pub: What Changes Without the Bricks

Leasehold or freehold pub finance: what changes when you don't own the bricks, how the lease term sets the loan, and where gaming sits in the deal.

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Leasehold vs Freehold Motel: Why the Lease Term Sets Your Loan
Nick Lim 28/6/26 Nick Lim 28/6/26

Leasehold vs Freehold Motel: Why the Lease Term Sets Your Loan

Freehold or leasehold motel? On a leasehold the lease term caps the loan; a freehold gears on the going-concern valuation. How each one finances.

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