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Featured Articles

Image for Do you know which deposit gets you a townhouse?

2nd September 2026

Do you know which deposit gets you a townhouse?

Barristers entering the property market face specific deposit thresholds, LMI waivers, and government scheme rules when purchasing a townhouse as a first home.

Image for Top tips to meet refinancing eligibility requirements

1st September 2026

Top tips to meet refinancing eligibility requirements

Understand the specific criteria lenders assess when you refinance, and what you need to prepare for a successful application.

Image for Avoid these 4 mistakes with self-employed home loans

31st August 2026

Avoid these 4 mistakes with self-employed home loans

If you run your own practice or operate through a trust, lenders assess your application differently to salaried solicitors.

Image for What Are No LMI Loans and Which Professions Qualify?

30th August 2026

What Are No LMI Loans and Which Professions Qualify?

Lawyers, medical professionals, and accountants can access home loans at higher loan to value ratios without paying Lenders Mortgage Insurance premiums.

First Home Buyers

Image for Do you know which deposit gets you a townhouse?

2nd September 2026

Do you know which deposit gets you a townhouse?

Barristers entering the property market face specific deposit thresholds, LMI waivers, and government scheme rules when purchasing a townhouse as a first home.

Image for Simple hacks to time a variable rate loan right

28th August 2026

Simple hacks to time a variable rate loan right

How barristers at different career stages structure variable rate loans to match income patterns, tax positions and equity goals

Image for When to Lock In: Fixed Rate Features for Criminal Lawyers

5th August 2026

When to Lock In: Fixed Rate Features for Criminal Lawyers

Understand how fixed rate features work when you apply for your first home loan, including rate lock periods, break costs, and when offset accounts matter.

Image for Understanding the basics of rate locks and break costs

1st August 2026

Understanding the basics of rate locks and break costs

What fixed rate break costs mean for lawyers buying their first property, how the calculation works, and when locking a rate makes sense.

Image for The easiest way to prepare for your first property purchase

30th July 2026

The easiest way to prepare for your first property purchase

How barristers structure their deposit, lending position, and application timeline before signing a contract

Image for Do you know how offset accounts work for first homes?

16th July 2026

Do you know how offset accounts work for first homes?

Multiple offset accounts let legal professionals separate fee income, living expenses, and trust funds while reducing interest on the same loan.

Refinancing

Image for Top tips to meet refinancing eligibility requirements

1st September 2026

Top tips to meet refinancing eligibility requirements

Understand the specific criteria lenders assess when you refinance, and what you need to prepare for a successful application.

Image for Unlock the Secrets to Switching Fixed to Variable Rates

27th August 2026

Unlock the Secrets to Switching Fixed to Variable Rates

A thorough examination of refinancing mechanics, break cost structures, and timing considerations when moving from fixed to variable rate home loans.

Image for Do you know when refinancing cuts your interest costs?

19th August 2026

Do you know when refinancing cuts your interest costs?

For barristers carrying variable or expired fixed loans, refinancing to a lower rate can reduce monthly repayments and total interest over the loan term.

Image for Smart ways to calculate and access home equity

17th August 2026

Smart ways to calculate and access home equity

A structured approach to determining your available equity when refinancing, with particular considerations for judicial officers managing property decisions.

Image for Why Should Magistrates Refinance to Fixed Rate Now?

11th August 2026

Why Should Magistrates Refinance to Fixed Rate Now?

Switching from variable to fixed rate through refinancing can lock in certainty, but the timing and structure need to align with your specific financial position.

Image for Top tips to refinance and access equity for business

29th July 2026

Top tips to refinance and access equity for business

A profession-specific approach to releasing property equity to fund commercial opportunities, with refinancing strategies that suit solicitor income structures and growth plans.

Image for Common Mistakes When Accessing Equity Without Selling

23rd July 2026

Common Mistakes When Accessing Equity Without Selling

How lawyers can access their property equity through refinancing, what lenders actually assess, and the structures that work when borrowing capacity matters.

Image for Do you know how to refinance for education costs?

12th July 2026

Do you know how to refinance for education costs?

Understanding how to access equity through refinancing to fund tuition, postgraduate qualifications, or education expenses for your children.

Image for 10 Things to Know: Refinancing to Access Equity

2nd July 2026

10 Things to Know: Refinancing to Access Equity

A practical guide for legal assistants on how refinancing your home loan unlocks property equity to fund investment purchases and build wealth.

Image for Do you know debt consolidation can cut your rate?

30th June 2026

Do you know debt consolidation can cut your rate?

Refinancing to consolidate debt into your mortgage reduces your interest rate and improves cashflow, but the timing and structure matter.

Image for What Are Refinancing Loan Term Changes and How They Work

20th June 2026

What Are Refinancing Loan Term Changes and How They Work

How adjusting your loan term when refinancing can reduce repayments, accelerate equity growth, or align your mortgage with changes in income and career stage.

Image for Top Strategies to Refinance for a Lower Rate

14th June 2026

Top Strategies to Refinance for a Lower Rate

How family lawyers can assess, time, and execute a refinance to reduce mortgage costs without overcomplicating the process or exposing themselves to unnecessary risk.

Home Loans

Image for Avoid these 4 mistakes with self-employed home loans

31st August 2026

Avoid these 4 mistakes with self-employed home loans

If you run your own practice or operate through a trust, lenders assess your application differently to salaried solicitors.

Image for Rentvesting: The Pros and Cons for Legal Professionals

25th August 2026

Rentvesting: The Pros and Cons for Legal Professionals

How rentvesting works when you want to invest in property while renting where you want to live, with specific considerations for lawyers.

Image for Why Litigation Lawyers Should Consider LMI Waivers

24th August 2026

Why Litigation Lawyers Should Consider LMI Waivers

Purchasing a three-bedroom home requires understanding which loan structures align with your income pattern and whether you qualify for profession-specific benefits.

Image for Everything you need to know about Home Loan Interest Rates

22nd August 2026

Everything you need to know about Home Loan Interest Rates

A detailed examination of how interest rates are structured, how rate discounts are determined, and what levers actually affect your borrowing cost.

Image for Renting vs Buying: Common Mistakes Lawyers Make

21st August 2026

Renting vs Buying: Common Mistakes Lawyers Make

How to compare the real cost of renting against buying when your income and deposit position give you options most people don't have.

Image for When to Downsize Your Home & How to Finance It

20th August 2026

When to Downsize Your Home & How to Finance It

Practical guidance for legal professionals considering downsizing property, including loan structuring, equity release, and how to position your application with lenders.

Image for Home Loan Cashback Offers for Lawyers - August 2026

19th August 2026

Home Loan Cashback Offers for Lawyers - August 2026

Cashback offers up to $4,000 and LMI waiver policies available to lawyers, barristers, solicitors, judges, and magistrates refinancing in August 2026.

Image for 5 Ways Offset Accounts Cut Interest on Home Loans

12th August 2026

5 Ways Offset Accounts Cut Interest on Home Loans

How lawyers can use offset accounts to reduce loan interest, accelerate equity growth, and maintain flexible access to savings without sacrificing liquidity.

Image for Proven Tips to Tell if Your Interest Rate is High

7th August 2026

Proven Tips to Tell if Your Interest Rate is High

A practical framework for assessing whether your current home loan rate justifies refinancing, with specific benchmarks for lawyers.

Image for What Not to Do When Funding Your Renovation

6th August 2026

What Not to Do When Funding Your Renovation

Why redraw facilities, offset accounts, and loan structure matter when you are planning construction work on your existing property

Image for Do you know how offset accounts reduce interest?

28th July 2026

Do you know how offset accounts reduce interest?

A precise look at how offset accounts work, what they cost, and whether the numbers make sense for your circumstances.

Image for When to Choose a Variable Rate Home Loan

27th July 2026

When to Choose a Variable Rate Home Loan

How variable rate home loans work for criminal lawyers building equity, managing cash flow, and positioning for rate movements

Image for Understanding the basics of Fixed, Variable & Split Loans

26th July 2026

Understanding the basics of Fixed, Variable & Split Loans

A practical comparison of fixed, variable, and split rate structures to help corporate lawyers select the right home loan configuration for their circumstances.

Image for Common Mistakes Self-Employed Lawyers Make with Home Loans

22nd July 2026

Common Mistakes Self-Employed Lawyers Make with Home Loans

How family lawyers operating their own practices can structure home loan applications to reflect actual income capacity, not just declared taxable income.

Image for Everything You Need to Know About Two Bedroom Home Loans

21st July 2026

Everything You Need to Know About Two Bedroom Home Loans

A practical guide to structuring finance for a two bedroom purchase, including how barristers can leverage professional lending terms and offset strategies.

Image for The Easiest Way to Structure Your Home Loan

20th July 2026

The Easiest Way to Structure Your Home Loan

How litigation lawyers can use loan structure to manage cash flow variability, build equity during high-earning periods, and maintain flexibility across different practice stages.

Image for Understanding the basics of terrace house home loans

13th July 2026

Understanding the basics of terrace house home loans

How loan structure, valuation considerations, and lender appetite affect financing options when purchasing a terrace property in Australian cities

Image for What Not to Do When Buying a Home Closer to Family

7th July 2026

What Not to Do When Buying a Home Closer to Family

The lending structures and deposit strategies that work when relocating for family proximity, with specific considerations for corporate lawyers managing career and location trade-offs.

Image for Proven tips to match loan structure to property type

4th July 2026

Proven tips to match loan structure to property type

Different property types require different loan structures. Matching your home loan features to the specific asset you're acquiring improves both flexibility and value.

Image for Variable Rate Home Loans & Features You Need to Know

2nd July 2026

Variable Rate Home Loans & Features You Need to Know

A thorough guide to variable rate loan features for barristers, covering offset accounts, redraw facilities, flexible repayments, and how these features affect your borrowing position.

Image for When to Purchase with a 5% Deposit

1st July 2026

When to Purchase with a 5% Deposit

What criminal lawyers need to know about purchasing property with a smaller deposit, including LMI costs, lender criteria, and how income verification works.

Image for Beginner's Guide to Fixed Rates & Extra Repayments

29th June 2026

Beginner's Guide to Fixed Rates & Extra Repayments

Understanding how additional payments work on fixed rate home loans and when partial flexibility might suit your situation.

Image for The Easiest Way to Understand Fixed Rate Loan Costs

28th June 2026

The Easiest Way to Understand Fixed Rate Loan Costs

A detailed breakdown of the fees and costs attached to fixed rate home loans, written specifically for barristers comparing their finance options.

Image for When to Upsize Your Home Loan for a Growing Family

24th June 2026

When to Upsize Your Home Loan for a Growing Family

How family lawyers can structure lending to purchase a larger property without overextending borrowing capacity or compromising settlement timing.

Image for Do you know how home loans fit your financial plan?

23rd June 2026

Do you know how home loans fit your financial plan?

Aligning loan structure, offset strategy, and equity decisions with your broader financial objectives as a corporate lawyer.

Image for Unlock the secrets to financing a terrace house purchase

21st June 2026

Unlock the secrets to financing a terrace house purchase

What legal assistants need to know about loan structures, LVR calculations, and lender policies when purchasing terrace properties in high-density markets.

Image for Common Mistakes in Serviceability Assessment

17th June 2026

Common Mistakes in Serviceability Assessment

How lenders calculate what you can borrow, and why your declared income alone won't determine your borrowing capacity as a legal professional.

Image for Top Strategies to Calculate Borrowing Capacity

15th June 2026

Top Strategies to Calculate Borrowing Capacity

How corporate lawyers can accurately assess lending limits, account for variable income structures, and maximise capacity without overstretching financial position.

Image for Beginner's Guide to Fixed, Variable & Split Loans

11th June 2026

Beginner's Guide to Fixed, Variable & Split Loans

What legal assistants need to know about choosing the right loan structure for their situation and how each option works in practice.

No LMI Loans

Image for What Are No LMI Loans and Which Professions Qualify?

30th August 2026

What Are No LMI Loans and Which Professions Qualify?

Lawyers, medical professionals, and accountants can access home loans at higher loan to value ratios without paying Lenders Mortgage Insurance premiums.

Image for No LMI Loans and Maximum Borrowing: The Trade-Offs

10th August 2026

No LMI Loans and Maximum Borrowing: The Trade-Offs

How professional exemptions change your maximum loan amount, which lenders impose serviceability overlays, and what that means for your purchase price.

Image for Do you know LMI waivers apply to investment loans?

10th August 2026

Do you know LMI waivers apply to investment loans?

How judicial officers can access professional LMI exemptions when purchasing investment property, not just owner-occupied homes.

Image for Unlock the secrets to LMI waivers for self-employed barristers

10th August 2026

Unlock the secrets to LMI waivers for self-employed barristers

How to access professional no LMI loans when you're self-employed, what lenders require, and what happens when your income structure doesn't fit the standard template.

Image for Do you know how much you can borrow with no LMI?

10th August 2026

Do you know how much you can borrow with no LMI?

Understanding maximum borrowing capacity when accessing professional LMI waivers as a solicitor, and the lender policies that determine your limit.

Image for What is LMI and who pays for it

10th August 2026

What is LMI and who pays for it

Understanding Lenders Mortgage Insurance, how the cost is calculated, and why certain professions including lawyers can avoid paying it entirely.

Investment Loans

Image for How to Manage Cash Flow on Investment Loans

29th August 2026

How to Manage Cash Flow on Investment Loans

Practical approaches to structuring and servicing investment property debt when your income fluctuates with trial work and settlements.

Image for Variable Rate Investment Loans for Lawyers

26th August 2026

Variable Rate Investment Loans for Lawyers

How variable rate investment loans work for legal professionals building property wealth, with application considerations and portfolio strategy insights.

Image for The easiest way to research investment loans

16th August 2026

The easiest way to research investment loans

How to evaluate product structure, taxation impact and portfolio lending before committing to an investment property loan

Image for Everything You Need to Know About Owning Multiple Properties

15th August 2026

Everything You Need to Know About Owning Multiple Properties

A practical guide for legal professionals building a multi-property portfolio under changing tax and lending rules from mid-2026 onwards

Image for Understanding the basics of Property Investment Timing

14th August 2026

Understanding the basics of Property Investment Timing

When you buy an investment property now carries as much financial weight as what you buy, particularly for litigation lawyers managing tax rule changes.

Image for Simple hacks to lock in fixed rates on investment loans

13th August 2026

Simple hacks to lock in fixed rates on investment loans

How fixed rate investment loans work under the new negative gearing rules and when rate certainty makes sense for your portfolio

Image for Simple hacks to secure investment loan approval

10th August 2026

Simple hacks to secure investment loan approval

How lenders assess income, rental offset, and structure when approving investor finance for family law practitioners holding or acquiring rental property.

Image for Investment Loan Applications: What to Submit & When

4th August 2026

Investment Loan Applications: What to Submit & When

A peer-to-peer breakdown of the investment loan application process for family lawyers building property portfolios in a restructured tax environment.

Image for Simple hacks to structure an investment loan for lawyers

3rd August 2026

Simple hacks to structure an investment loan for lawyers

What to consider when borrowing to purchase rental property, including recent tax changes, serviceability settings, and loan structure decisions that affect portfolio growth.

Image for Common Mistakes When Rentvesting as a Legal Assistant

24th July 2026

Common Mistakes When Rentvesting as a Legal Assistant

Why quarantined losses, DTI caps and new-build definitions matter when you buy investment property before your first home

Image for Fixed Rates and Offsets: The Pros and Cons for Investors

17th July 2026

Fixed Rates and Offsets: The Pros and Cons for Investors

Understanding how fixed rate investment loans and offset accounts interact, and why most lenders won't let you combine them.

Image for How to analyse rental markets for investment loans

15th July 2026

How to analyse rental markets for investment loans

What legal assistants need to measure when assessing rental yield, vacancy risk and serviceability before applying for an investment loan.

Image for When to Structure Your Investment Loan as a Lawyer

14th July 2026

When to Structure Your Investment Loan as a Lawyer

The technical framework for setting up investment property finance ahead of the July 2027 negative gearing and CGT changes.

Image for Beginner's guide to investment loan approval

8th July 2026

Beginner's guide to investment loan approval

Understanding how lenders assess investment applications under current prudential settings, tax changes, and debt-to-income caps that came into effect in February.

Image for How to Finance an Investment Townhouse Purchase

26th June 2026

How to Finance an Investment Townhouse Purchase

A practical outline of loan structures, deposit requirements, and tax considerations for legal professionals buying investment townhouses in the current policy environment.

Image for Avoid These 5 Fixed Rate Investment Loan Mistakes

22nd June 2026

Avoid These 5 Fixed Rate Investment Loan Mistakes

How recent tax changes and fixed rate structures affect property investors in the legal profession building wealth through residential holdings

Image for Investment Property Loans: Common Mistakes Criminal Lawyers Make

18th June 2026

Investment Property Loans: Common Mistakes Criminal Lawyers Make

How the Budget changes affect your borrowing strategy and what most criminal lawyers miss when structuring an investment loan application.

Image for Investment Loan Approval: What Not to Expect

16th June 2026

Investment Loan Approval: What Not to Expect

How lenders assess barrister income for investment borrowing, and what changes when you're purchasing a second or third property

Image for Smart Ways to Use Variable Rates and Offset Accounts

13th June 2026

Smart Ways to Use Variable Rates and Offset Accounts

How lawyers structure investment loans to maintain liquidity, reduce taxable income, and preserve flexibility across portfolios that change as quickly as your career.

Image for Unlock the secrets to your first investment property

12th June 2026

Unlock the secrets to your first investment property

A precise guide for litigation lawyers structuring their first property investment, considering recent tax changes and professional lending advantages.

SMSF Loans (Commercial)

Image for Understanding the bare trust and custodian structure

23rd August 2026

Understanding the bare trust and custodian structure

How limited recourse borrowing arrangements work when your SMSF purchases commercial property and what changed in August 2026

Car Loans

Image for Top Strategies to Prepare Car Loan Documentation

18th August 2026

Top Strategies to Prepare Car Loan Documentation

What litigation lawyers need to organise before applying for vehicle finance, with a focus on unusual income structures and avoiding delays.

Image for Common Mistakes When Financing a Classic Car

9th August 2026

Common Mistakes When Financing a Classic Car

What barristers need to know about securing finance for collector and vintage vehicles without compromising your borrowing position

Image for Common Mistakes When Financing a Luxury Car

8th August 2026

Common Mistakes When Financing a Luxury Car

What legal assistants need to know about securing finance for a high-end vehicle without compromising their broader financial position.

Image for Unlock the secrets to a Car Loan application

31st July 2026

Unlock the secrets to a Car Loan application

A structured walkthrough of the car finance process, with specific considerations for corporate lawyers navigating approval, documentation, and settlement.

Image for Unlock the secrets to financing a used car as a lawyer

5th July 2026

Unlock the secrets to financing a used car as a lawyer

How commercial lawyers can structure a used car loan alongside existing debt, compare options efficiently, and secure appropriate finance without compromising borrowing capacity.

SMSF Loans

Image for SMSF Loans & Vacant Land: What Not to Do After August 2026

2nd August 2026

SMSF Loans & Vacant Land: What Not to Do After August 2026

Legislative changes from 10 August 2026 have closed the residential LRBA pathway. Commercial vacant land remains available under specific conditions.

Image for Unlock the secrets to SMSF property CGT treatment

19th July 2026

Unlock the secrets to SMSF property CGT treatment

How capital gains tax applies to property held in your self-managed super fund and what it means for your exit strategy

Image for Top tips to use your SMSF for an apartment purchase

11th July 2026

Top tips to use your SMSF for an apartment purchase

The residential ban is now law, but existing contracts remain protected. What legal assistants need to know about SMSF residential loans before the August cutoff.

Image for Beginner's guide to SMSF loans for development sites

6th July 2026

Beginner's guide to SMSF loans for development sites

What litigation lawyers need to know about using limited recourse borrowing arrangements to acquire land before the residential ban takes effect

Image for Top Strategies to Buy Investment Property with SMSF

27th June 2026

Top Strategies to Buy Investment Property with SMSF

How litigation lawyers can use Limited Recourse Borrowing Arrangements to acquire commercial property through self-managed super, and what changed on 23 June 2026.

Bridging Loans

Image for Do you know when a bridging loan funds property urgently?

25th July 2026

Do you know when a bridging loan funds property urgently?

How litigation lawyers secure emergency property funding when settlement deadlines, auction wins, or urgent purchases require capital before existing assets sell.

Construction Loans

Image for Land Purchase for Construction: What Not to Do

18th July 2026

Land Purchase for Construction: What Not to Do

A structured approach to construction finance when you're purchasing land to build, covering documentation requirements, contract structures, and settlement sequences for family law practitioners.

Image for Smart ways to approach knockdown rebuild finance

10th July 2026

Smart ways to approach knockdown rebuild finance

How construction finance structures work for legal professionals purchasing, demolishing, and rebuilding on existing residential land

Image for Common Mistakes in Construction Loan Monitoring

9th July 2026

Common Mistakes in Construction Loan Monitoring

How progress inspections, draw schedules, and payment timing work when building your custom home, and where lawyers frequently miscalculate timing and cost.

Image for Top tips to manage construction loan settlement

25th June 2026

Top tips to manage construction loan settlement

What commercial lawyers need to know about managing progressive drawdowns, fixed price building contracts, and settlement timing when building their home.

Image for 10 Ways Construction Loans Work for House & Land Packages

19th June 2026

10 Ways Construction Loans Work for House & Land Packages

A practical breakdown of how progressive drawdown structures, approval sequences, and contract terms shape construction finance for family lawyers purchasing land and build packages.

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Sydney, NSW

Trustee for the O'Sullivan Family Trust ABN: 29 235 649 437, Credit Representative #482294 and is authorised under Australian Credit Licence 389328..

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. Names & Locations of users have been changed to protect their privacy and are illustrative only.