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Latest Articles from JAYA Finance & Mortgages

Check out the latest blog posts from JAYA Finance & Mortgages

Featured Articles

Image for Why Mt Eliza Buyers Should Compare Home Loans Carefully

16th September 2026

Why Mt Eliza Buyers Should Compare Home Loans Carefully

The right home loan structure can save you thousands over the life of your loan, but only if you know what to look for beyond the advertised rate.
Image for Unlock the Secrets to Refinancing Timeline Expectations

14th September 2026

Unlock the Secrets to Refinancing Timeline Expectations

How long does refinancing actually take and what factors influence approval timeframes when switching your home loan in Cranbourne
Image for Why Property Investment Loans Matter for Frankston Buyers

11th September 2026

Why Property Investment Loans Matter for Frankston Buyers

Understanding how investment loan structure, deposit requirements, and recent tax changes affect your ability to purchase and hold rental property in Frankston's evolving market.
Image for Proven Tips to Save on Investment Property Deposits

9th September 2026

Proven Tips to Save on Investment Property Deposits

Understand your deposit options, LVR requirements, and how to access investment property finance with confidence in Mornington's property market.

Home Loans

Image for Why Mt Eliza Buyers Should Compare Home Loans Carefully

16th September 2026

Why Mt Eliza Buyers Should Compare Home Loans Carefully

The right home loan structure can save you thousands over the life of your loan, but only if you know what to look for beyond the advertised rate.
Image for When to Choose a Home Loan for a House with a Backyard

7th September 2026

When to Choose a Home Loan for a House with a Backyard

How Victorian buyers can structure a home loan to secure a property with outdoor space and build long-term value
Image for Simple hacks to purchase a retirement home in Frankston

28th August 2026

Simple hacks to purchase a retirement home in Frankston

Purchasing a retirement home in Frankston requires different lending strategies than a standard property purchase, particularly around income verification and loan structures.
Image for Unlock the secrets to stamp duty concessions in Mornington

21st August 2026

Unlock the secrets to stamp duty concessions in Mornington

Understanding how stamp duty concessions work for home buyers in Mornington, and how they affect your borrowing power and overall purchase costs.
Image for What are the Home Loan Steps for Off-the-Plan?

17th August 2026

What are the Home Loan Steps for Off-the-Plan?

Understanding how lenders assess off-the-plan purchases in Cranbourne and what changes between pre-approval and settlement can affect your loan.
Image for Simple hacks to pay off your home loan faster

14th August 2026

Simple hacks to pay off your home loan faster

Practical extra repayment strategies that help Victorian homeowners build equity and reduce interest without locking up cash they might need.
Image for Everything You Need to Know About Home Loans & Property Types

7th August 2026

Everything You Need to Know About Home Loans & Property Types

Different property types affect your borrowing power, deposit requirements, and loan approval in Frankston - understanding these differences helps you prepare properly.
Image for Variable Rate Home Loans: What Not to Overlook on Fees

3rd August 2026

Variable Rate Home Loans: What Not to Overlook on Fees

Understanding the ongoing and upfront costs of variable rate home loans can mean the difference between a competitive deal and an expensive mistake.
Image for Smart ways to approach a Family Loan Agreement

3rd August 2026

Smart ways to approach a Family Loan Agreement

How to structure financial help from family for your Frankston property purchase without putting anyone at risk
Image for 10 Ways to Compare Home Loans in Cranbourne

3rd August 2026

10 Ways to Compare Home Loans in Cranbourne

A practical approach to comparing home loan products, features, and rates so you can make an informed decision that suits your financial situation.

Refinancing

Image for Unlock the Secrets to Refinancing Timeline Expectations

14th September 2026

Unlock the Secrets to Refinancing Timeline Expectations

How long does refinancing actually take and what factors influence approval timeframes when switching your home loan in Cranbourne
Image for Refinancing Mistakes & How to Save on Rates

2nd September 2026

Refinancing Mistakes & How to Save on Rates

Cranbourne homeowners could be paying thousands more than needed if their mortgage hasn't been reviewed in the past two years
Image for Proven Tips to Refinance from Fixed to Variable Rate

24th August 2026

Proven Tips to Refinance from Fixed to Variable Rate

How switching from a fixed rate home loan to a variable rate could improve your cashflow and access features your current loan doesn't offer
Image for Refinancing & What Not to Do When Accessing Equity

19th August 2026

Refinancing & What Not to Do When Accessing Equity

How Frankston property owners can unlock equity to fund a business without triggering unnecessary costs or delays in the application.
Image for Top Strategies to Refinance & Access Equity for Education

10th August 2026

Top Strategies to Refinance & Access Equity for Education

How Mt Eliza homeowners can use property equity to fund university fees, private schooling, or vocational training without disrupting their mortgage structure.
Image for Refinancing Multiple Properties: The Pros and Cons

3rd August 2026

Refinancing Multiple Properties: The Pros and Cons

Managing several properties under different lenders can cost you thousands each year. Understanding how to approach refinancing across your portfolio matters.

Investment Loans

Image for Why Property Investment Loans Matter for Frankston Buyers

11th September 2026

Why Property Investment Loans Matter for Frankston Buyers

Understanding how investment loan structure, deposit requirements, and recent tax changes affect your ability to purchase and hold rental property in Frankston's evolving market.
Image for Proven Tips to Save on Investment Property Deposits

9th September 2026

Proven Tips to Save on Investment Property Deposits

Understand your deposit options, LVR requirements, and how to access investment property finance with confidence in Mornington's property market.
Image for Understanding the basics of acquiring two investment properties

4th September 2026

Understanding the basics of acquiring two investment properties

A structured approach to building a two-property portfolio in Mt Eliza, from deposit planning through to application and settlement.
Image for Unlock the Secrets to Positive Gearing Property

31st August 2026

Unlock the Secrets to Positive Gearing Property

How Mornington property investors structure investment loans to generate rental income that exceeds holding costs from day one.
Image for Simple hacks to fund an investment apartment

26th August 2026

Simple hacks to fund an investment apartment

What Victorian investors need to understand about structuring finance for apartments, including deposit requirements, lender policies and legislative changes affecting rental property loans.
Image for Top 10 Ways to Manage Cash Flow on Investment Loans

12th August 2026

Top 10 Ways to Manage Cash Flow on Investment Loans

How to structure borrowings, repayments and rental income to keep your Mornington investment property on track and avoid cash shortfalls.
Image for The Pros and Cons of Investment Loans in Cranbourne

5th August 2026

The Pros and Cons of Investment Loans in Cranbourne

What Cranbourne property investors need to know about financing a new rental property under current lending and tax rules.

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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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