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Luke Owen
Michael Kirk

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Check out the latest blog posts from Premier Path Finance

Featured Articles

Image for Cross-Collateralisation and Investment Loans Explained

12th November 2026

Cross-Collateralisation and Investment Loans Explained

How cross-collateralised security works, what it can cost you later, and how Bundoora investors can structure loans to keep their options open.
Image for Smart Ways to Approach Commercial Loan Settlement

11th November 2026

Smart Ways to Approach Commercial Loan Settlement

A clear guide for Reservoir business owners on what happens at settlement, and how to prepare your finance well before the date arrives.
Image for When to Refinance and Weigh Up the Costs and Gains

10th November 2026

When to Refinance and Weigh Up the Costs and Gains

A clear guide for Richmond homeowners on the signs that suggest a refinance could suit you, and the costs to weigh first.
Image for Beginner's Guide to Investment Property Deposits and LVR

9th November 2026

Beginner's Guide to Investment Property Deposits and LVR

How much deposit an investor needs, where it can come from, and how it shapes your loan and repayments.

Investment Loans

Image for Cross-Collateralisation and Investment Loans Explained

12th November 2026

Cross-Collateralisation and Investment Loans Explained

How cross-collateralised security works, what it can cost you later, and how Bundoora investors can structure loans to keep their options open.
Image for Beginner's Guide to Investment Property Deposits and LVR

9th November 2026

Beginner's Guide to Investment Property Deposits and LVR

How much deposit an investor needs, where it can come from, and how it shapes your loan and repayments.
Image for Top Tips to Choose an Investment Loan in Richmond

6th November 2026

Top Tips to Choose an Investment Loan in Richmond

A clear guide for Richmond investors on borrowing power, repayment structure, deposit size and the tax changes that affect new purchases.
Image for Unlock the secrets to Fixed, Variable & Split Loans

3rd November 2026

Unlock the secrets to Fixed, Variable & Split Loans

How to choose the right investment loan structure for property investors in Templestowe and the City of Manningham
Image for Why Positive Gearing Should Matter to Eltham Investors

31st October 2026

Why Positive Gearing Should Matter to Eltham Investors

Positive gearing delivers income from day one, but finding the right property in Eltham's current market requires a clear view of yields and holding costs.
Image for Rentvesting: Everything you need to know in Bundoora

26th October 2026

Rentvesting: Everything you need to know in Bundoora

How to build equity in one suburb while renting in another, plus what changed for property investors from mid-2026
Image for Smart ways to approach fixed, variable and split loans

23rd October 2026

Smart ways to approach fixed, variable and split loans

Choosing the right rate structure for your investment property in Doncaster depends on how you plan to manage cash flow and respond to market shifts.
Image for Simple hacks to unlock investment loan features

19th October 2026

Simple hacks to unlock investment loan features

The flexible features built into most investment loans can reduce borrowing costs and protect cash flow, but only when they are structured correctly from the start.
Image for Top tips to finance an investment townhouse in Eltham

10th October 2026

Top tips to finance an investment townhouse in Eltham

How Eltham buyers structure investment loans to purchase townhouses while managing body corporate fees, deposit requirements, and borrowing capacity across lenders.
Image for Do you know how negative gearing works for investors?

5th October 2026

Do you know how negative gearing works for investors?

Negative gearing remains one of the most debated investment strategies in Australia, with recent legislative changes reshaping how and when investors can claim rental losses against their income.
Image for Variable Rate Investment Loans in Richmond

28th September 2026

Variable Rate Investment Loans in Richmond

How variable rate features give Richmond property investors control, flexibility and access to equity when they need it most.
Image for The easiest way to prepare an investment loan application

23rd September 2026

The easiest way to prepare an investment loan application

What lenders assess, what documents you'll need, and how structuring choices made before you apply affect both approval and long-term performance.
Image for Variable Rate Loans and Offset Accounts for Investors

17th September 2026

Variable Rate Loans and Offset Accounts for Investors

Understanding how variable rate investment loans and offset accounts work together to reduce interest costs and maintain access to funds in Melbourne's rental market
Image for Investment Loans for Student Accommodation: What You Need

14th September 2026

Investment Loans for Student Accommodation: What You Need

Understand how specialist investment finance structures work when you're purchasing a purpose-built student housing asset, and what Greensborough-based investors should consider before applying.
Image for Why Property Investors Face Bigger Challenges in 2026

12th September 2026

Why Property Investors Face Bigger Challenges in 2026

Melbourne borrowers encounter tighter lending limits, new tax rules, and foreign investment bans that reshape how investment loans are structured and serviced.
Image for The easiest way to finance an established investment property

10th September 2026

The easiest way to finance an established investment property

A practical guide for Pascoe Vale investors purchasing established rental property, including loan structures, deposit options, and how recent legislative changes affect your next purchase.
Image for Simple hacks to find positive geared properties

9th September 2026

Simple hacks to find positive geared properties

Positive gearing delivers rental income that exceeds holding costs, turning investment property into an income stream rather than a drain on cash flow.
Image for Investment Loans & Risk Management: What You Need to Know

4th September 2026

Investment Loans & Risk Management: What You Need to Know

Understanding how to protect your portfolio through liquidity planning, stress testing and structural decisions that shield your investment strategy from market shifts.
Image for Do you know how a duplex changes your borrowing power?

23rd August 2026

Do you know how a duplex changes your borrowing power?

What Melbourne investors need to understand about investment loan structures, rental income calculations, and lender policy when purchasing a duplex property.
Image for Why should property investors claim tax deductions?

20th August 2026

Why should property investors claim tax deductions?

Understanding how to maximise returns through deductible expenses, interest claims, and the legislative changes affecting Doncaster investors from July 2027.

Commercial Loans

Image for Smart Ways to Approach Commercial Loan Settlement

11th November 2026

Smart Ways to Approach Commercial Loan Settlement

A clear guide for Reservoir business owners on what happens at settlement, and how to prepare your finance well before the date arrives.
Image for Beginner's Guide to Buying an Aged Care Facility

2nd November 2026

Beginner's Guide to Buying an Aged Care Facility

What Brunswick investors and operators need to know about commercial finance, valuations, and loan structures when purchasing aged care property
Image for What Are Commercial Property Valuations and Why Do They Matter?

28th October 2026

What Are Commercial Property Valuations and Why Do They Matter?

Understanding how lenders assess commercial property values in Pascoe Vale and what that means for your loan amount and structure.
Image for When to Use Commercial Finance for an Office Building

14th October 2026

When to Use Commercial Finance for an Office Building

How purchasing commercial property in Pascoe Vale works differently from residential lending, and what that means for the loan structure
Image for When to Compare Commercial Loans for Your Eltham Business

4th October 2026

When to Compare Commercial Loans for Your Eltham Business

How commercial loan comparison delivers better outcomes for property buyers, business owners, and investors navigating Eltham's evolving market
Image for Understanding the basics of Commercial Property Acquisition

5th September 2026

Understanding the basics of Commercial Property Acquisition

A clear guide to structuring finance for commercial property purchases, written for business owners and investors in Templestowe looking to secure the right facility.
Image for Proven Tips to Understand Commercial Property Valuations

19th August 2026

Proven Tips to Understand Commercial Property Valuations

How lenders assess your commercial property value, what influences the outcome, and why understanding the process protects your borrowing position.

Refinancing

Image for When to Refinance and Weigh Up the Costs and Gains

10th November 2026

When to Refinance and Weigh Up the Costs and Gains

A clear guide for Richmond homeowners on the signs that suggest a refinance could suit you, and the costs to weigh first.
Image for Home Equity and Refinancing: A Pascoe Vale Guide

5th November 2026

Home Equity and Refinancing: A Pascoe Vale Guide

Learn how to work out your home equity, what part of it a lender will let you use, and what that means for a refinance.
Image for Proven tips to refinance and change your loan terms

27th October 2026

Proven tips to refinance and change your loan terms

Refinancing to adjust your loan structure can unlock flexibility, improve repayment capacity, or align your mortgage with changing financial priorities in Reservoir.
Image for Why Should Bundoora Homeowners Consider Equity Release?

20th October 2026

Why Should Bundoora Homeowners Consider Equity Release?

Accessing property equity through refinancing can fund renovations, investments, or debt consolidation without selling your home.
Image for Refinancing Payment Mistakes to Avoid in Reservoir

12th October 2026

Refinancing Payment Mistakes to Avoid in Reservoir

How switching your repayment frequency when refinancing can cut years off your loan or quietly cost you thousands
Image for Documents to prepare when refinancing your home loan

11th October 2026

Documents to prepare when refinancing your home loan

Understanding what lenders need before you apply reduces delays and strengthens your position when switching to a more suitable mortgage structure.
Image for Do you know how to access equity for investment?

9th October 2026

Do you know how to access equity for investment?

Templestowe homeowners with meaningful equity can refinance to fund their next property without selling their home, but the approach differs from a standard rate switch.
Image for Top Strategies to Refinance for a Lower Rate

8th October 2026

Top Strategies to Refinance for a Lower Rate

How Greensborough homeowners can reduce their interest rate, cut repayments, and keep more money working for them through strategic refinancing
Image for Proven Tips to Unlock Equity for Your Second Property

7th October 2026

Proven Tips to Unlock Equity for Your Second Property

A practical guide for Bundoora homeowners looking to refinance and access property equity to fund their next investment purchase
Image for What Not to Do: Refinancing Right Before You Sell

26th September 2026

What Not to Do: Refinancing Right Before You Sell

Switching lenders when you're already planning to move can trigger break costs, wasted application fees and settlement delays that cost more than you save.
Image for What Are the Real Savings When You Refinance?

13th September 2026

What Are the Real Savings When You Refinance?

How Richmond homeowners are cutting rates and rebuilding cashflow after a period of sustained pressure on household budgets.
Image for Do you know debt consolidation through refinance?

26th August 2026

Do you know debt consolidation through refinance?

How refinancing to consolidate debt can improve your cashflow, reduce your interest costs, and simplify your repayments in one decision.

First Home Buyers

Image for First Home Buyers and Fixed Rate Loan Terms Explained

8th November 2026

First Home Buyers and Fixed Rate Loan Terms Explained

How fixed rate terms work for Melbourne first home buyers, what they cost if plans change, and when a split loan may suit.
Image for Why Should Bundoora First Home Buyers Read the Numbers?

4th November 2026

Why Should Bundoora First Home Buyers Read the Numbers?

A clear look at Bundoora price, rent and sales data, plus the national schemes that can shape your first purchase.
Image for First Time Buyer Advice: Everything You Need to Know

18th October 2026

First Time Buyer Advice: Everything You Need to Know

A practical guide to understanding deposit schemes, stamp duty concessions, and loan structures for first home buyers in Richmond.
Image for Saving for Your First Home: Understanding the Basics

6th October 2026

Saving for Your First Home: Understanding the Basics

What first home buyers in Reservoir need to know about building a deposit, accessing low deposit options, and using available state and federal schemes.
Image for Simple hacks to buy a townhouse in Doncaster

29th September 2026

Simple hacks to buy a townhouse in Doncaster

Lower entry prices, shared land costs, and flexible deposit options make townhouses the practical first step into Doncaster's property market.
Image for When to Lock In: Fixed Rate Terms for First Home Buyers

19th September 2026

When to Lock In: Fixed Rate Terms for First Home Buyers

Fixed rate terms help first home buyers manage repayments while interest rates move. Knowing when to split and for how long matters more than the rate alone.
Image for Buying Your First Home in Banyule: Everything to Know

18th September 2026

Buying Your First Home in Banyule: Everything to Know

A practical guide to six suburbs, government schemes, stamp duty concessions and what first buyers can actually afford in Melbourne's northeast
Image for Do First Home Buyers Know These Numbers Matter?

11th September 2026

Do First Home Buyers Know These Numbers Matter?

Understanding the schemes, caps, and costs that determine what you can access and where you can afford in Reservoir.
Image for Fixed, Variable, or Split: Common Mistakes First Home Buyers Make

7th September 2026

Fixed, Variable, or Split: Common Mistakes First Home Buyers Make

Understand how each loan type works and avoid the pitfalls that can cost Pascoe Vale first home buyers thousands over the life of their loan.
Image for Top Strategies to Enter Eltham's Property Market

6th September 2026

Top Strategies to Enter Eltham's Property Market

How first home buyers in Eltham can build a deposit, access concessions, and structure a home loan that works from day one.
Image for Beginner's Guide to Property Search Strategies

31st August 2026

Beginner's Guide to Property Search Strategies

How to find the right home when you're buying for the first time in Melbourne's varied property market
Image for Smart ways to save for your first home in Richmond

25th August 2026

Smart ways to save for your first home in Richmond

A clear approach to building your deposit, understanding what you need, and making your first property purchase in Richmond achievable.

Home Loans

Image for What Are the Key Things to Compare in a Home Loan?

7th November 2026

What Are the Key Things to Compare in a Home Loan?

A clear guide for Templestowe borrowers on weighing rates, fees, repayment types and features before choosing a loan.
Image for When to Choose a Variable Rate Loan with Offset

31st October 2026

When to Choose a Variable Rate Loan with Offset

How variable rates and offset accounts work together to give Melbourne property buyers genuine control over interest costs and loan flexibility.
Image for Everything you need to know about buying a 3-bedroom home

30th October 2026

Everything you need to know about buying a 3-bedroom home

Understanding loan structures, deposit options, and government support when purchasing a three-bedroom property in Templestowe and surrounding areas.
Image for Avoid these 7 documentation mistakes on your home loan

29th October 2026

Avoid these 7 documentation mistakes on your home loan

How Brunswick buyers can prepare the paperwork lenders need and avoid delays at the moment their loan matters most
Image for Common Mistakes When Financing Vacant Land in Richmond

25th October 2026

Common Mistakes When Financing Vacant Land in Richmond

Vacant land loans carry higher deposit requirements, stricter serviceability tests, and fewer lender options than standard home loans - here's what Richmond buyers need to know.
Image for Do Economic Factors Affect Your Home Loan Approval?

24th October 2026

Do Economic Factors Affect Your Home Loan Approval?

Understanding how interest rates, inflation, and employment conditions shape lending decisions and borrowing capacity for Pascoe Vale buyers.
Image for Do you know what lenders assess when you apply?

22nd October 2026

Do you know what lenders assess when you apply?

Understanding how lenders evaluate your home loan application can help you prepare properly and avoid unnecessary delays or declined applications.
Image for Proven tips to secure a home loan for off-the-plan property

3rd October 2026

Proven tips to secure a home loan for off-the-plan property

Off-the-plan purchases in Melbourne require different loan structures and settlement timing than established homes, and understanding the pre-approval process can protect your deposit.
Image for Interest Rates and Property Prices in Reservoir

1st October 2026

Interest Rates and Property Prices in Reservoir

How borrowing costs shape what buyers can afford and what that means for property values across the northern suburbs
Image for Beginner's Guide to Buying in a Better School Zone

30th September 2026

Beginner's Guide to Buying in a Better School Zone

How families around Eltham can access high-performing school zones without overextending their borrowing capacity or compromising on location and lifestyle.
Image for Do you know how townhouse loans differ in Reservoir?

27th September 2026

Do you know how townhouse loans differ in Reservoir?

Why purchasing a townhouse in Reservoir requires a different lending approach than buying a freehold house, and how lenders assess shared title properties.
Image for Fixed Rate Loans and Extra Repayments: What to Know

25th September 2026

Fixed Rate Loans and Extra Repayments: What to Know

Understanding whether you can make additional payments on a fixed rate home loan, and how that choice affects your overall strategy.
Image for Top tips to pay off your home loan faster in Reservoir

22nd September 2026

Top tips to pay off your home loan faster in Reservoir

Strategic extra repayment approaches that work for owner-occupiers in one of Melbourne's most active property markets
Image for Beginner's Guide to Stamp Duty Concessions

21st September 2026

Beginner's Guide to Stamp Duty Concessions

How first home buyers in Templestowe can access Victoria's full stamp duty exemption and plan the upfront costs of a home purchase
Image for Top tips to secure a home loan as a self-employed borrower

20th September 2026

Top tips to secure a home loan as a self-employed borrower

How self-employed borrowers in Richmond can strengthen their application and access competitive home loan options despite non-traditional income structures
Image for Top Strategies to Time Your Home Loan in Brunswick

18th September 2026

Top Strategies to Time Your Home Loan in Brunswick

Why waiting for the perfect moment costs more than you think, and how to structure your borrowing around what you can control instead.
Image for Why Should Reservoir Buyers Consider Vacant Land Loans

16th September 2026

Why Should Reservoir Buyers Consider Vacant Land Loans

Purchasing vacant land in Reservoir opens opportunities that established property can't match, and specialist home loan structures make it possible.
Image for Simple hacks to manage your home loan and build wealth

15th September 2026

Simple hacks to manage your home loan and build wealth

Practical budgeting strategies and loan features that help Doncaster borrowers reduce interest costs, build equity faster, and create financial flexibility.
Image for What are the Costs of Buying a Four Bedroom Home?

8th September 2026

What are the Costs of Buying a Four Bedroom Home?

Understanding deposit requirements, stamp duty, borrowing capacity, and lender options when purchasing a four bedroom property in Melbourne
Image for Smart ways to use variable rate loans and offset accounts

7th September 2026

Smart ways to use variable rate loans and offset accounts

How offset accounts reduce the interest you pay on a variable rate loan and why that flexibility matters for buyers in Pascoe Vale
Image for The Pros and Cons of Buying a Three Bedroom Home

3rd September 2026

The Pros and Cons of Buying a Three Bedroom Home

Understanding what you can borrow, where you can afford to buy, and which loan structure delivers the flexibility you need in Pascoe Vale's current market.
Image for Beginner's Guide to Fixed Rate Loans & Extra Repayments

1st September 2026

Beginner's Guide to Fixed Rate Loans & Extra Repayments

Understanding how extra repayments work on fixed rate home loans, what restrictions apply, and how to structure your borrowing to preserve flexibility without sacrificing rate certainty.
Image for Proven Tips to Speed Through Desktop Valuations

1st September 2026

Proven Tips to Speed Through Desktop Valuations

Desktop valuations can determine your loan approval within hours, but only if your property matches the lender's data and risk appetite.
Image for Stamp Duty Concessions: The Pros and Cons for Brunswick

30th August 2026

Stamp Duty Concessions: The Pros and Cons for Brunswick

Understanding how Victoria's transfer duty exemptions and concessions work for first home buyers and owner-occupiers purchasing in Brunswick's property market.
Image for Top tips to choose variable rate loans at every life stage

28th August 2026

Top tips to choose variable rate loans at every life stage

How the flexibility of a variable rate home loan supports your changing financial priorities from first purchase through to portfolio growth
Image for Why Offset Accounts Reduce Your Home Loan Interest

27th August 2026

Why Offset Accounts Reduce Your Home Loan Interest

How a mortgage offset account reduces your interest charges, builds equity faster, and gives you access to your savings when you need them.
Image for Renting vs Buying: Top Strategies to Decide

21st August 2026

Renting vs Buying: Top Strategies to Decide

Understand the financial reality behind both options and which home loan structure works when you're ready to transition from tenant to owner.
Image for When to Lock In or When to Stay Variable

18th August 2026

When to Lock In or When to Stay Variable

Understanding how different rate structures and loan features can align with your financial position and property goals in Bundoora's diverse housing market.

Construction Loans

Image for Construction Loan Compliance: What Not to Miss

21st October 2026

Construction Loan Compliance: What Not to Miss

Understanding the compliance requirements that determine whether your construction loan approves, funds on time, and settles without delays or cost blowouts.
Image for Why Construction Loans Should Guide Your Bundoora Build

15th October 2026

Why Construction Loans Should Guide Your Bundoora Build

Understanding progressive drawdown, fixed price contracts, and council timing can mean the difference between building smoothly or facing thousands in unexpected costs.
Image for Why Land for Townhouse Construction Needs Different Finance

13th October 2026

Why Land for Townhouse Construction Needs Different Finance

Templestowe buyers purchasing land to build townhouses face funding structures and drawdown rules that differ from single-dwelling construction loans.
Image for Smart ways to approach construction loan monitoring

2nd October 2026

Smart ways to approach construction loan monitoring

How progress inspections and staged funding protect your build and ensure payments match milestones from frame stage to final completion
Image for How to Fund Your Building Project in Eltham

24th September 2026

How to Fund Your Building Project in Eltham

Understanding construction loan drawdowns, progress payments, and how building finance differs from a standard home loan for your new home in Eltham.
Image for Common Mistakes When Funding Construction in Doncaster

24th August 2026

Common Mistakes When Funding Construction in Doncaster

How to structure your construction loan properly, avoid costly drawdown errors, and ensure your builder gets paid on time without blowing your budget.
Image for Avoid these Construction Loan Mistakes for Extensions

22nd August 2026

Avoid these Construction Loan Mistakes for Extensions

How progress payment structures, council approvals, and drawdown timing affect extension projects, and what Eltham property owners should know before applying

Development Finance

Image for Understanding the basics of Heritage Redevelopment Finance

17th October 2026

Understanding the basics of Heritage Redevelopment Finance

How development finance structures work when purchasing and restoring heritage properties in Brunswick, from deposit requirements to council approvals and project funding
Image for Unlock the secrets to funding mixed-use developments

16th October 2026

Unlock the secrets to funding mixed-use developments

Understand how lenders assess mixed-use development sites, what your equity and cashflow need to support, and how to structure finance for commercial and residential components
Image for Proven Tips to Finance Residential Subdivision Projects

2nd September 2026

Proven Tips to Finance Residential Subdivision Projects

How to structure development finance for residential subdivision, from land acquisition to civil works, with the right funding strategy for your project.
Image for Common Mistakes When Buying an Industrial Development Site

29th August 2026

Common Mistakes When Buying an Industrial Development Site

How Doncaster developers secure land acquisition finance and avoid common pitfalls when purchasing industrial development sites in Melbourne's eastern corridor.

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Premier Path FinanceLuke OwenMichael KirkOur Privacy Policy

Resources

Borrowing CapacityLoan Health CheckFixed Rate ExpiryStamp DutyIncome AnnualisationExtra RepaymentLatest Articles

Key Service Areas

City of BanyuleCity of BaysideCity of Greater GeelongCity of ManninghamCity of MaribyrnongCity of Merri-bekCity of Moonee ValleyCity of WhittleseaMelbourne

Services

Home LoansInvestment LoansRefinancingFirst Home BuyersConstruction LoansBridging LoansBusiness LoansCommercial LoansBusiness LoansCommercial LoansAsset FinanceSMSF LoansPrivate Lending

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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.

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