Latest Articles from Makara Finance

Check out the latest blog posts from Makara Finance

Featured Articles

Image for What Not to Do When Applying for a Business Loan

7th September 2026

What Not to Do When Applying for a Business Loan

The application mistakes that delay approval, reduce your loan amount, or push you toward the wrong loan structure entirely.

Image for Why Fixed Rate Loans Lock Returns & Limit Flexibility

4th September 2026

Why Fixed Rate Loans Lock Returns & Limit Flexibility

Understanding the strategic trade-offs of fixed rate home loans and when certainty becomes a constraint for wealth-focused buyers

Image for Proven Tips to Finance Manufacturing Machinery

29th August 2026

Proven Tips to Finance Manufacturing Machinery

How self-employed operators structure equipment finance to fund production capability while protecting cashflow for property investment.

Image for The Pros and Cons of Inventory Financing for Growth

21st August 2026

The Pros and Cons of Inventory Financing for Growth

How self-employed business owners can fund stock purchases without draining working capital or blocking their next property deposit

Business Loans

Image for What Not to Do When Applying for a Business Loan

7th September 2026

What Not to Do When Applying for a Business Loan

The application mistakes that delay approval, reduce your loan amount, or push you toward the wrong loan structure entirely.

Image for Top Strategies to Finance a Commercial Office Building

16th August 2026

Top Strategies to Finance a Commercial Office Building

How self-employed buyers structure commercial property purchases to build wealth while protecting cash flow and maintaining operational flexibility

Image for Top tips to fund a hotel purchase with the right loan

1st August 2026

Top tips to fund a hotel purchase with the right loan

How professionals structure commercial lending to acquire hotel properties and build wealth through hospitality assets with the right loan amount and terms

Image for Unlock the secrets to business loan eligibility criteria

22nd July 2026

Unlock the secrets to business loan eligibility criteria

What lenders actually assess when you apply for business finance and how to position your application for approval

Image for Everything You Need to Know About Business Loans to Hire Staff

19th June 2026

Everything You Need to Know About Business Loans to Hire Staff

Bringing on the right people can transform your business, but funding that decision requires a clear understanding of loan structures, cash flow impact, and repayment flexibility.

Home Loans

Image for Why Fixed Rate Loans Lock Returns & Limit Flexibility

4th September 2026

Why Fixed Rate Loans Lock Returns & Limit Flexibility

Understanding the strategic trade-offs of fixed rate home loans and when certainty becomes a constraint for wealth-focused buyers

Image for Avoid These 5 Mistakes When Borrowing for Outdoor Space

24th June 2026

Avoid These 5 Mistakes When Borrowing for Outdoor Space

Buying a property with more land or outdoor features changes your lending approach. Skip these common errors and borrow with confidence.

Image for Why Variable Rate Loans Cost More Than the Rate

22nd June 2026

Why Variable Rate Loans Cost More Than the Rate

Understanding the fees and ongoing costs that shape the real expense of a variable home loan when you're building a property portfolio.

Image for What Not to Do When Renovating with a Home Loan

2nd June 2026

What Not to Do When Renovating with a Home Loan

How self-employed property investors can access funds for renovations without compromising their borrowing capacity or triggering lender complications

Refinancing

Image for Refinancing Loan Terms: The Pros and Cons

20th August 2026

Refinancing Loan Terms: The Pros and Cons

How changing your loan term when you refinance affects your cashflow, wealth building capacity, and total interest paid over time

Image for When to Refinance & How Much You Can Save

5th August 2026

When to Refinance & How Much You Can Save

Understand how refinancing works, when it makes financial sense, and what it takes to unlock lower rates or release equity for your next investment.

Image for Why Should You Calculate Home Equity Before Refinancing?

22nd July 2026

Why Should You Calculate Home Equity Before Refinancing?

Understanding your available equity is the difference between refinancing into a lower rate and refinancing into your next investment property.

Image for When Should You Refinance Your Home Loan?

19th June 2026

When Should You Refinance Your Home Loan?

The specific scenarios where refinancing saves money, unlocks equity, or improves your loan structure for wealth building through property.

Image for Do You Know What Lenders Actually Check When Refinancing?

19th June 2026

Do You Know What Lenders Actually Check When Refinancing?

The refinance approval process differs from your original purchase loan, and understanding what lenders assess now will save you time and frustration.

Image for Top 10 Ways to Refinance and Release Equity for Renovations

15th June 2026

Top 10 Ways to Refinance and Release Equity for Renovations

How self-employed property owners can unlock capital from their homes to fund renovations while maintaining a strong borrowing position for future growth.

Investment Loans

Image for Common Mistakes Self-Employed Investors Make with Loans

1st August 2026

Common Mistakes Self-Employed Investors Make with Loans

How self-employed buyers structure rental property finance without losing tax benefits or borrowing power under the new tax rules

Commercial Loans

Image for The Easiest Way to Fund Business Expansion

1st August 2026

The Easiest Way to Fund Business Expansion

How commercial loans support strategic property acquisitions, equipment upgrades, and operational growth without draining your working capital reserves.

Image for Avoid These 5 Mistakes Buying a Medical Centre

22nd July 2026

Avoid These 5 Mistakes Buying a Medical Centre

Self-employed professionals looking to acquire a medical centre face specific financing challenges that differ sharply from residential property investment.

Image for Commercial Debt Restructuring: What Not to Do

26th June 2026

Commercial Debt Restructuring: What Not to Do

How professionals restructure commercial loans to unlock equity, reduce repayments, and fund expansion without triggering cash flow problems or unfavourable terms.

Car Loans

Image for Everything You Need to Know About Classic Car Loans

1st August 2026

Everything You Need to Know About Classic Car Loans

How to finance a classic car without compromising your property borrowing capacity or tying up capital you need for investment growth.

Image for The Pros and Cons of Work Vehicle Finance

19th June 2026

The Pros and Cons of Work Vehicle Finance

What self-employed buyers need to know about financing a work vehicle without damaging their property borrowing capacity

First Home Buyers

Image for Why Fixed Rate Fees Catch First Home Buyers Out

22nd July 2026

Why Fixed Rate Fees Catch First Home Buyers Out

Fixed rates come with upfront and break costs that can shift the real price by thousands. What you should calculate before you commit.

Asset Finance

Image for Common Mistakes When Financing Earthmoving Equipment

9th June 2026

Common Mistakes When Financing Earthmoving Equipment

How self-employed operators can purchase excavators, dozers, and graders without draining working capital or blocking future property investment

Recent Articles

Image for Proven Tips to Finance Manufacturing Machinery

29th August 2026

Proven Tips to Finance Manufacturing Machinery

How self-employed operators structure equipment finance to fund production capability while protecting cashflow for property investment.

Image for The Pros and Cons of Inventory Financing for Growth

21st August 2026

The Pros and Cons of Inventory Financing for Growth

How self-employed business owners can fund stock purchases without draining working capital or blocking their next property deposit

Image for The Costs and Timing of Commercial Loan Settlement

12th August 2026

The Costs and Timing of Commercial Loan Settlement

What actually happens between approval and settlement, what you'll pay, and how to structure the process so your commercial purchase completes on time.

Image for Unlock the secrets to rate lock-ins and break costs

22nd July 2026

Unlock the secrets to rate lock-ins and break costs

Self-employed property investors need to understand how fixed rate break costs are calculated and when rate protection becomes a liability.

Image for Do you know what pre-approval really proves?

7th July 2026

Do you know what pre-approval really proves?

Self-employed borrowers need pre-approval that matches their income structure, not a generic assessment that falls apart at unconditional.

Image for Do you know how to acquire two investment properties?

3rd July 2026

Do you know how to acquire two investment properties?

Self-employed investors face a different set of borrowing rules when acquiring two properties, and the legislation changes mid-2027 alter what works.

Image for Investment Loans: What Not to Claim and What to Maximise

29th June 2026

Investment Loans: What Not to Claim and What to Maximise

The tax benefits and deductions that make property investment work, plus what changed after the 2026 Budget and how to structure your borrowing accordingly.

Image for The easiest way to upgrade existing machinery

23rd May 2026

The easiest way to upgrade existing machinery

Why upgrading equipment before your business demands it can strengthen your borrowing position and accelerate your property investment timeline.

Image for Top Strategies to Structure Your Next Property Purchase

20th May 2026

Top Strategies to Structure Your Next Property Purchase

How professionals use loan structure, features, and lender selection to build wealth through their next investment or upgrade

Image for Deposit Requirements: Your Path to Property Investment

17th May 2026

Deposit Requirements: Your Path to Property Investment

How professionals build deposit size, reduce borrowing costs, and access funding when standard deposits fall short.

Image for Electric Vehicle Car Loans and Your Property Strategy

12th May 2026

Electric Vehicle Car Loans and Your Property Strategy

How financing an electric vehicle affects your borrowing capacity when you're building wealth through property investment as a self-employed buyer.

Image for Equipment Finance for Workshop Tools: What to Consider

11th May 2026

Equipment Finance for Workshop Tools: What to Consider

Funding workshop tools through structured finance can preserve capital and improve cashflow, but the structure you choose determines whether you're overpaying or building equity.

Image for Office Space Financing: What Self-Employed Buyers Need

6th May 2026

Office Space Financing: What Self-Employed Buyers Need

How commercial property loans work when you're buying premises for your business and building equity at the same time

Image for Interest Rates and When to Lock In Your Position

4th May 2026

Interest Rates and When to Lock In Your Position

Understanding variable, fixed, and split loan structures gives you control over cost and positions your portfolio for growth when market conditions shift.

Image for Economic Factors and Home Loans: What Self-Employed Need

1st May 2026

Economic Factors and Home Loans: What Self-Employed Need

Interest rates and inflation directly affect how much you can borrow and what you'll pay. Understanding these forces protects your property strategy.

Image for Family Loan Agreements for Property Purchase

29th April 2026

Family Loan Agreements for Property Purchase

How to structure a family loan alongside your home loan to build equity while managing your borrowing capacity

Image for Home Loans for Self-Employed Buyers Making a Lifestyle Change

27th April 2026

Home Loans for Self-Employed Buyers Making a Lifestyle Change

How owner-occupied property builds wealth for self-employed buyers switching to regional living, coastal zones, or locations aligned with long-term goals.

Image for Fixed Rate Investment Loans: Fees and Costs Explained

24th April 2026

Fixed Rate Investment Loans: Fees and Costs Explained

The upfront and ongoing costs that determine whether a fixed rate loan actually saves you money or limits your options

Image for Purchasing Your First Home: What You Need to Know

22nd April 2026

Purchasing Your First Home: What You Need to Know

How professionals can approach their first home loan with clarity, select the right loan structure, and build equity while maintaining financial flexibility.

Image for Using Business Loans to fund a partnership buyout

19th April 2026

Using Business Loans to fund a partnership buyout

How professionals structure commercial lending to acquire a partner's share while protecting cash flow and maintaining business operations.

Image for Asset Acquisition: How to Fund Your Business Growth

16th April 2026

Asset Acquisition: How to Fund Your Business Growth

Self-employed business owners can access multiple finance structures to acquire income-producing assets while protecting cash reserves and building property wealth.

Image for What Are Asset Finance Options for Medical Equipment?

15th April 2026

What Are Asset Finance Options for Medical Equipment?

Discover how medical professionals can acquire the latest equipment while preserving working capital and maintaining healthy cashflow for business growth.

Image for When to Consider Asset Finance for HVAC Systems

12th April 2026

When to Consider Asset Finance for HVAC Systems

Discover how asset finance can help your business purchase HVAC systems while preserving working capital and maximising tax benefits.

Image for How to Purchase an Investment Property with the Right Loan

10th April 2026

How to Purchase an Investment Property with the Right Loan

A practical guide for self-employed professionals looking to build wealth through property investment and understand investment loan options available.

Image for Understanding Fixed Rate Home Loan Fees and Costs

6th April 2026

Understanding Fixed Rate Home Loan Fees and Costs

A detailed look at the fees and costs associated with fixed rate home loans for self-employed and professionals building wealth through property

Image for First Home Buyer Support: Avoid These Common Mistakes

3rd April 2026

First Home Buyer Support: Avoid These Common Mistakes

Your complete guide to home loan options, government schemes, and how to make your first home purchase achievable

Image for Why Should First Home Buyers Consider Fixed Rate Loans?

1st April 2026

Why Should First Home Buyers Consider Fixed Rate Loans?

Understanding fixed rate home loans and extra repayments can help you make smarter decisions when buying your first home.

Image for Why Should First Home Buyers Consider Fixed Rate Loan Costs?

30th March 2026

Why Should First Home Buyers Consider Fixed Rate Loan Costs?

Understanding the fees, costs and interest rate options when buying your first home can help you make informed decisions.

Image for Understanding Business Loans for Retail Shop Purchases

27th March 2026

Understanding Business Loans for Retail Shop Purchases

Learn how self-employed professionals can secure commercial lending to purchase a retail shopfront and expand operations in Australia.

Image for When to Consider Commercial Loan Structuring Options

26th March 2026

When to Consider Commercial Loan Structuring Options

Understanding how to structure your commercial finance can make the difference between a property investment that thrives and one that struggles.

Image for How to Assess Risk When Taking Out an Investment Loan

24th March 2026

How to Assess Risk When Taking Out an Investment Loan

Understanding investment risk assessment helps self-employed professionals and property investors make informed decisions about building wealth through property investment.

Image for The Ins and Outs of Property Ownership with Home Loans

20th March 2026

The Ins and Outs of Property Ownership with Home Loans

Understanding your home loan options and features can help self-employed professionals and entrepreneurs build wealth through strategic property ownership.

Image for Smart Ways to Switch from Variable to Fixed Rate

17th March 2026

Smart Ways to Switch from Variable to Fixed Rate

Discover how refinancing from a variable to fixed interest rate can help self-employed professionals protect their cashflow and wealth building strategy.

Image for Top Strategies to Compare Home Loans & Secure Your Property

17th March 2026

Top Strategies to Compare Home Loans & Secure Your Property

A comprehensive guide for self-employed and professionals to navigate home loan comparisons and find the right loan product for wealth creation.

Image for How to Use Fixed Rate Loan Features for Your Home Loan

13th March 2026

How to Use Fixed Rate Loan Features for Your Home Loan

Understanding fixed interest rate home loan features can help self-employed professionals and property investors build wealth with confidence and certainty.

Image for Housing Affordability: Avoid These Common Home Loan Mistakes

11th March 2026

Housing Affordability: Avoid These Common Home Loan Mistakes

Learn how self-employed professionals can overcome housing affordability challenges and secure the right home loan for wealth-building success.

Image for Avoid These 5 Mistakes When Financing a Duplex Purchase

10th March 2026

Avoid These 5 Mistakes When Financing a Duplex Purchase

Understanding home loan options and strategies for purchasing a duplex can help self-employed professionals and property investors build wealth through property.

Image for What are the Home Loan Options for Purchasing an Apartment?

8th March 2026

What are the Home Loan Options for Purchasing an Apartment?

Understanding your home loan choices when buying an apartment can help self-employed professionals build wealth through property investment.

Image for Top 7 Signs It's Time to Refinance Your Home Loan

4th March 2026

Top 7 Signs It's Time to Refinance Your Home Loan

Discover when refinancing makes sense for self-employed professionals and property investors looking to improve cashflow and access equity

Image for How to Make Extra Repayments on Your Fixed Rate Home Loan

1st March 2026

How to Make Extra Repayments on Your Fixed Rate Home Loan

Understanding the limitations and opportunities of making additional payments on fixed interest rate home loans to build equity faster.

Image for Avoid These Documentation Mistakes When Applying for a Home Loan

26th February 2026

Avoid These Documentation Mistakes When Applying for a Home Loan

Understanding what lenders require from self-employed borrowers can mean the difference between approval and rejection for your home loan application.

Image for The Smartest Way to Buy a Semi-Detached Home First

25th February 2026

The Smartest Way to Buy a Semi-Detached Home First

Your complete guide to purchasing a semi-detached property as a first home buyer, with practical tips for self-employed professionals.

Image for Guide to Refinancing Your Home Loan for Education Expenses

23rd February 2026

Guide to Refinancing Your Home Loan for Education Expenses

How refinancing your mortgage can unlock equity to fund education goals while maintaining control of your property investment strategy

Image for Avoid These Investment Loan Approval Mistakes

20th February 2026

Avoid These Investment Loan Approval Mistakes

How self-employed professionals and savvy investors can secure investment loan approval and build wealth through property without common pitfalls

Image for How to Purchase a Villa with the Right Home Loan

18th February 2026

How to Purchase a Villa with the Right Home Loan

A comprehensive guide for self-employed professionals and investors looking to secure a villa through smart home loan options.

Image for Buying a Unit: The Ins and Outs for First Home Buyers

16th February 2026

Buying a Unit: The Ins and Outs for First Home Buyers

A practical guide for self-employed professionals and first home buyers looking to enter the property market through unit ownership.

Image for No Deposit Equipment Finance and How It Works

13th February 2026

No Deposit Equipment Finance and How It Works

Discover how no deposit equipment finance can help your business acquire essential assets while preserving cashflow and building wealth.

Image for Home Loan Deposits: The Facts and Figures You Need

10th February 2026

Home Loan Deposits: The Facts and Figures You Need

Understanding deposit requirements can make the difference between securing your property investment or missing out on opportunities altogether.

Image for Serviceability Assessment and Your Home Loan Application

10th February 2026

Serviceability Assessment and Your Home Loan Application

Understanding how lenders assess your ability to repay a home loan is crucial for self-employed professionals building property wealth.

Image for Top Strategies to Secure Home Loans for Self-Employed

10th February 2026

Top Strategies to Secure Home Loans for Self-Employed

How self-employed professionals and business owners can navigate income verification and employment requirements when applying for a home loan

Image for Everything You Need to Know About Retirement Home Loans

10th February 2026

Everything You Need to Know About Retirement Home Loans

Discover how self-employed professionals and business owners can secure the right home loan to purchase their ideal retirement property in Australia.

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Level 28, 140 St Georges Terrace
Perth WA 6000

+61 8 9288 1878

MAKARA FINANCE PTY LTD ABN: 68 672 337 790. Credit Representative #553270 is authorised under Australian Credit Licence #387856

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.