Latest Articles from Zero Mondays

Check out the latest blog posts from Zero Mondays

Featured Articles

Image for Do you know Housing Affordability affects your loan?

10th June 2026

Do you know Housing Affordability affects your loan?

Understanding how housing affordability pressures influence home loan options, interest rates, and borrowing capacity across Victoria's changing property market.

Image for Beginner's Guide to Lenders Mortgage Insurance

9th June 2026

Beginner's Guide to Lenders Mortgage Insurance

Understanding how LMI works, what it costs, and whether paying it now could get you into the property market sooner than waiting to save a larger deposit.

Image for What Are the Lending Rules for Holiday Homes?

3rd June 2026

What Are the Lending Rules for Holiday Homes?

Understanding how lenders assess holiday home purchases and what deposit, income, and security requirements you'll need to meet when applying.

Image for Unlock the Secrets to Financing Your Apartment Purchase

2nd June 2026

Unlock the Secrets to Financing Your Apartment Purchase

How apartment loans differ from house lending, what lenders assess, and the loan features that matter when borrowing for a unit or flat.

Home Loans

Image for Do you know Housing Affordability affects your loan?

10th June 2026

Do you know Housing Affordability affects your loan?

Understanding how housing affordability pressures influence home loan options, interest rates, and borrowing capacity across Victoria's changing property market.

Image for Beginner's Guide to Lenders Mortgage Insurance

9th June 2026

Beginner's Guide to Lenders Mortgage Insurance

Understanding how LMI works, what it costs, and whether paying it now could get you into the property market sooner than waiting to save a larger deposit.

Image for What Are the Lending Rules for Holiday Homes?

3rd June 2026

What Are the Lending Rules for Holiday Homes?

Understanding how lenders assess holiday home purchases and what deposit, income, and security requirements you'll need to meet when applying.

Image for Unlock the Secrets to Financing Your Apartment Purchase

2nd June 2026

Unlock the Secrets to Financing Your Apartment Purchase

How apartment loans differ from house lending, what lenders assess, and the loan features that matter when borrowing for a unit or flat.

Investment Loans

Image for Top 10 Property Investment Challenges & How to Solve Them

27th May 2026

Top 10 Property Investment Challenges & How to Solve Them

From deposit hurdles to policy changes, discover the obstacles investors face when securing finance and how a broker helps you overcome them.

Recent Articles

Image for What Not to Overlook When Buying a Restaurant

21st May 2026

What Not to Overlook When Buying a Restaurant

Securing finance to purchase a restaurant involves more than proving turnover. Understanding loan structures, security requirements, and lender expectations can determine whether your application succeeds.

Image for How to Manage Construction Loan Settlement

18th May 2026

How to Manage Construction Loan Settlement

Understanding the settlement process for construction finance helps you avoid delays, manage progress payments effectively, and transition smoothly to your permanent loan.

Image for The refinance option that gives you control over your cash

14th May 2026

The refinance option that gives you control over your cash

Adding an offset account through refinancing can put thousands back in your pocket while keeping your money available when you need it.

Image for Rate Lock-ins and Break Costs: How They Operate

11th May 2026

Rate Lock-ins and Break Costs: How They Operate

Understanding how fixed rate lock-ins protect your repayments and what break costs you'll face if you need to exit early.

Image for Fixed Rate Investment Loans and Extra Repayments

6th May 2026

Fixed Rate Investment Loans and Extra Repayments

When you fix your investment property rate, making additional repayments becomes more complicated than most property investors realise.

Image for Proven tips to finance an entertainment complex purchase

4th May 2026

Proven tips to finance an entertainment complex purchase

From tenanted cinema sites to bowling alleys, entertainment properties present distinct finance challenges that residential lenders won't touch.

Image for Understanding the Features of Your Home Loan

30th April 2026

Understanding the Features of Your Home Loan

The specific loan features you choose can cost or save you thousands over the life of your mortgage, depending on how they match your circumstances.

Image for How to Understand Commercial Loan Terms in Victoria

28th April 2026

How to Understand Commercial Loan Terms in Victoria

The language on your commercial finance agreement can shift what you pay by tens of thousands. Here's what each clause actually means.

Image for Entering the Property Market as a First Home Buyer

23rd April 2026

Entering the Property Market as a First Home Buyer

What buyers across North East Melbourne and Victoria need to know about deposit options, government assistance, and getting your application approved.

Image for Construction Loan Fees: What You'll Actually Pay

21st April 2026

Construction Loan Fees: What You'll Actually Pay

Understanding the cost structure of building your new home, from application through to final drawdown and settlement.

Image for What is Construction Loan Approval in Victoria?

16th April 2026

What is Construction Loan Approval in Victoria?

How construction loan approval works in Victoria, what lenders assess before drawing down funds, and what to expect during the progressive payment process.

Image for Top 10 Tips for Purchasing a Warehouse with Commercial Loans

14th April 2026

Top 10 Tips for Purchasing a Warehouse with Commercial Loans

Everything you need to know about warehouse financing, from loan structures to interest rates, when buying industrial property in Victoria.

Image for The Smartest Way to Use Extra Repayments on Variable Loans

9th April 2026

The Smartest Way to Use Extra Repayments on Variable Loans

Discover how making extra repayments on your variable rate investment loan can accelerate your property investment strategy and build wealth faster.

Image for What to Know When Financing a Hybrid Car Purchase

7th April 2026

What to Know When Financing a Hybrid Car Purchase

Discover how the right car finance options can help you drive away in a hybrid vehicle while keeping your budget on point.

Image for Buying Mixed-use Developments: What You Need to Know

2nd April 2026

Buying Mixed-use Developments: What You Need to Know

Understanding commercial property finance for mixed-use developments can help you make informed investment decisions across Victoria.

Image for Variable Rate Loans and What to Know at Every Life Stage

31st March 2026

Variable Rate Loans and What to Know at Every Life Stage

How variable interest rates work for first home buyers in their twenties, thirties, forties and beyond when buying your first home

Image for What to Know When Purchasing Your First House

26th March 2026

What to Know When Purchasing Your First House

Understand home loan options, interest rates, and the application process to help you achieve home ownership in Victoria.

Image for Understanding Property Inspections for First Home Buyers

24th March 2026

Understanding Property Inspections for First Home Buyers

Everything you need to know about inspecting properties before buying your first home, from building checks to what you should look for.

Image for Smart Ways to Approach Asset Finance and Management

19th March 2026

Smart Ways to Approach Asset Finance and Management

Understanding how asset finance works can help Victorian business owners acquire equipment while managing cashflow and preserving working capital effectively.

Image for How to Refinance Your Mortgage to Consolidate Debt

17th March 2026

How to Refinance Your Mortgage to Consolidate Debt

Discover how refinancing your home loan can help you consolidate debt, improve cashflow, and potentially save thousands in interest payments.

Image for A Guide to Heavy Machinery Finance for Your Business

12th March 2026

A Guide to Heavy Machinery Finance for Your Business

Understanding how asset finance works for construction equipment, excavators, trucks, and specialised machinery to support your business growth.

Image for Asset Finance for Vehicles and How It Works for You

10th March 2026

Asset Finance for Vehicles and How It Works for You

Discover how purchasing work vehicles, trucks, and commercial equipment through asset finance can help your business preserve capital and manage cashflow.

Image for When to Use Asset Finance for Your Cafe Fitout

10th March 2026

When to Use Asset Finance for Your Cafe Fitout

Discover how asset finance can help you fund your cafe fitout while preserving working capital and managing cashflow effectively.

Image for Understanding Stamp Duty Concessions for Your Home Loan

10th March 2026

Understanding Stamp Duty Concessions for Your Home Loan

Learn how stamp duty concessions can help you achieve home ownership in Victoria while reducing upfront costs on your property purchase.

Image for How to Choose Between Fixed, Variable, and Split Loans

10th March 2026

How to Choose Between Fixed, Variable, and Split Loans

Understanding your home loan options helps first home buyers make informed decisions about fixed interest rates, variable interest rates, and split loans.

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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.