Free Finance Guides — Written by the Directors
Four concise, plain-English guides distilled from 45+ combined years in banking — the same frameworks we use with clients, free to download. Enter your details and each guide downloads instantly; we'll follow up once, personally, the same business day, and never spam you.
The First Home Buyer's Guide
Borrowing power with the real 3% buffer, the full Victorian scheme stack (guarantee, FHOG, stamp duty), deposit rules and the buying sequence — with a one-page checklist.
The Refinancing Guide
The loyalty tax explained, the honest break-even test, structure beyond the rate (offset, splits, de-crossing) — and when the right answer is not to refinance at all.
The Commercial Property Guide
LVRs, interest cover and lease profiles; what actually decides approvals; structure before product; and why you should call your broker before making any offer.
The SMSF Commercial Property Guide
The strategy the 2027 ban didn't touch: owning your business premises through super with a market-rent leaseback — structure, fund-readiness screen and failure points.
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Guides contain general information only — not credit, financial or taxation advice. Brian Hermosilla CR 485802 · Frank Marin CR 486546 · BLSSA Pty Ltd ACL 391237.