Latest Articles from James Hawkins Mortgage Broker

Check out the latest blog posts from James Hawkins Mortgage Broker

Featured Articles

Image for Smart ways to choose the right investment property type

30th September 2026

Smart ways to choose the right investment property type

Different property types suit different investment strategies, and lenders view each one through a distinct risk lens that affects your deposit, rate and borrowing power.

Image for Proven Tips to Secure Commercial Property Loans

22nd September 2026

Proven Tips to Secure Commercial Property Loans

How Surrey Hills business owners and investors structure commercial property acquisition finance to secure the right property at the right price.

Image for Understanding the Basics of Home Loan Repayment Strategies

16th September 2026

Understanding the Basics of Home Loan Repayment Strategies

How different repayment approaches affect loan duration, interest costs, and long-term equity for Victorian and Australian property owners.

Image for The Easiest Way to Finance an Investment Property

8th September 2026

The Easiest Way to Finance an Investment Property

What Australian property investors need to know about structuring an investment loan, from deposit requirements to tax implications and lender assessment criteria.

Investment Loans

Image for Smart ways to choose the right investment property type

30th September 2026

Smart ways to choose the right investment property type

Different property types suit different investment strategies, and lenders view each one through a distinct risk lens that affects your deposit, rate and borrowing power.

Image for The Easiest Way to Finance an Investment Property

8th September 2026

The Easiest Way to Finance an Investment Property

What Australian property investors need to know about structuring an investment loan, from deposit requirements to tax implications and lender assessment criteria.

Image for How to Choose Investment Loan Features That Work

14th July 2026

How to Choose Investment Loan Features That Work

Understanding offset accounts, interest-only periods, and redraw facilities will help you structure an investment loan that supports your property strategy and cash flow.

Image for Variable Investment Loans & Life Stages: What You Need

17th June 2026

Variable Investment Loans & Life Stages: What You Need

How variable rate investment property finance adapts to your situation, whether you're starting out, growing a portfolio, or nearing retirement.

Commercial Loans

Image for Proven Tips to Secure Commercial Property Loans

22nd September 2026

Proven Tips to Secure Commercial Property Loans

How Surrey Hills business owners and investors structure commercial property acquisition finance to secure the right property at the right price.

Home Loans

Image for Understanding the Basics of Home Loan Repayment Strategies

16th September 2026

Understanding the Basics of Home Loan Repayment Strategies

How different repayment approaches affect loan duration, interest costs, and long-term equity for Victorian and Australian property owners.

Image for Top tips to know if your home loan rate is too high

19th August 2026

Top tips to know if your home loan rate is too high

Surrey Hills homeowners with loans from two or more years ago may be paying significantly more than current market offers without realising it.

Image for Variable Rate Loans and Extra Repayments: The Pros and Cons

22nd July 2026

Variable Rate Loans and Extra Repayments: The Pros and Cons

Understanding how variable rate home loans work with additional payments and whether the flexibility suits your financial situation and property goals.

Image for Proven Tips to Secure Your Next Home Loan in Surrey Hills

30th June 2026

Proven Tips to Secure Your Next Home Loan in Surrey Hills

What Surrey Hills buyers need to know about loan features, pre-approval strategy, and structuring finance for your next property purchase.

Image for Why Your Credit Score Matters for Home Loans

3rd June 2026

Why Your Credit Score Matters for Home Loans

Understanding how lenders assess your credit history and what you can do to improve your position before applying for finance

Asset Finance

Image for Beginner's Guide to Restaurant Fitout Finance

1st September 2026

Beginner's Guide to Restaurant Fitout Finance

How asset finance structures work for commercial kitchens, dining spaces, and hospitality equipment when opening or refitting a restaurant.

First Home Buyers

Image for Unlock the Secrets to First Home Buyer Statistics

25th August 2026

Unlock the Secrets to First Home Buyer Statistics

Understanding the numbers behind home ownership in Surrey Hills and how federal and state schemes are reshaping first home buyer activity across Victoria.

Image for Simple hacks to afford a two bedroom property

23rd June 2026

Simple hacks to afford a two bedroom property

A two bedroom property can be the right entry point for first home buyers who know how to structure the purchase and match the loan to their budget.

Refinancing

Image for 10 Steps in Refinancing Settlement Procedures

12th August 2026

10 Steps in Refinancing Settlement Procedures

A practical guide to understanding what happens between refinance approval and completion, including timelines, discharge requirements, and settlement coordination for Surrey Hills property owners.

Image for Beginner's Guide to Refinancing First-Time Buyer Rates

10th June 2026

Beginner's Guide to Refinancing First-Time Buyer Rates

First-time buyers who secured their initial loan at a higher rate can often refinance to reduce costs and access improved features.

SMSF Loans

Image for SMSF Loans: Corporate vs Individual Trustee Structures

5th August 2026

SMSF Loans: Corporate vs Individual Trustee Structures

How trustee structure affects borrowing capacity, compliance obligations, and long-term flexibility when using your super fund to acquire property.

Business Loans

Image for Top 10 Ways to Finance a Medical Practice Building

28th July 2026

Top 10 Ways to Finance a Medical Practice Building

Structuring a commercial property loan for medical professionals in Surrey Hills, from loan security to settlement timelines and borrowing capacity.

Image for Common Mistakes When Buying Business Equipment

8th July 2026

Common Mistakes When Buying Business Equipment

How Surrey Hills business owners structure equipment finance to preserve working capital and maintain flexibility as their operations expand

Recent Articles

Image for Is Now a Good Time to Buy in Surrey Hills?

26th May 2026

Is Now a Good Time to Buy in Surrey Hills?

What Surrey Hills property values, lending conditions, and local market activity mean for your mortgage approval and buying timeline right now.

Image for Top Strategies to Use Home Equity for Investment Property

19th May 2026

Top Strategies to Use Home Equity for Investment Property

How Surrey Hills homeowners can refinance their existing property to fund a deposit on their next purchase without selling assets

Image for Variable Rate Loans and Extra Repayments for First Buyers

12th May 2026

Variable Rate Loans and Extra Repayments for First Buyers

Understanding how variable rate home loans and additional repayments work together gives first home buyers in Surrey Hills genuine control over their mortgage costs.

Image for How Asset Finance Works for Office Furniture Purchases

5th May 2026

How Asset Finance Works for Office Furniture Purchases

Surrey Hills businesses can access commercial equipment finance to acquire office furniture without depleting working capital or disrupting operational cashflow.

Image for Investment Loans to Purchase an Investment Unit

29th April 2026

Investment Loans to Purchase an Investment Unit

How to structure financing for an apartment investment in Victoria, from deposit requirements to loan features that support passive income and portfolio growth.

Image for Software Purchase and Asset Finance for Surrey Hills

22nd April 2026

Software Purchase and Asset Finance for Surrey Hills

How business owners in Surrey Hills can preserve working capital and access the latest software through structured equipment finance options.

Image for How to Refinance and Access Equity for Investment

14th April 2026

How to Refinance and Access Equity for Investment

Discover how refinancing your home loan can unlock equity in your property to fund your next investment opportunity.

Image for Using Multiple Offset Accounts with Your First Home Loan

8th April 2026

Using Multiple Offset Accounts with Your First Home Loan

Learn how first home buyers in Surrey Hills can maximise savings and manage finances effectively with multiple offset accounts.

Image for Asset Finance Compliance: The Rules and Regulations

1st April 2026

Asset Finance Compliance: The Rules and Regulations

Understanding compliance requirements is essential when securing asset finance for your business equipment, vehicles, and machinery across Australia.

Image for Top Strategies to Purchase a Larger Home for Your Family

24th March 2026

Top Strategies to Purchase a Larger Home for Your Family

Discover how the right home loan options can help Surrey Hills families secure a spacious property to accommodate your growing needs.

Image for Purchasing a Childcare Centre with Business Loans

17th March 2026

Purchasing a Childcare Centre with Business Loans

Discover how the right business loan structure can help you acquire a childcare centre and build a thriving education business.

Image for How to Finance IT Equipment for Your Business

10th March 2026

How to Finance IT Equipment for Your Business

Discover equipment finance solutions to purchase or upgrade IT equipment while preserving your business cashflow and maximising tax benefits.

Image for Business Loan Approval Requirements and What You Need

3rd March 2026

Business Loan Approval Requirements and What You Need

Understanding what lenders require for business loan approval can help Surrey Hills businesses secure the finance they need to grow and succeed.

Image for Why Should Surrey Hills Businesses Choose Asset Finance for HVAC?

27th February 2026

Why Should Surrey Hills Businesses Choose Asset Finance for HVAC?

Discover how asset finance can help your Surrey Hills business purchase or upgrade HVAC systems efficiently

Image for Commercial Property Acquisition Strategies for Smart Buyers

27th February 2026

Commercial Property Acquisition Strategies for Smart Buyers

Essential insights and financing options to successfully acquire commercial property across Australia through professional mortgage broking services.

Image for Variable Rate Investment Loans: Fees and Costs Explained

27th February 2026

Variable Rate Investment Loans: Fees and Costs Explained

Understanding the fees, costs and features of variable rate investment loans to help property investors make informed financing decisions.

Image for Top 10 Tips for Saving for Your First Home in Australia

24th February 2026

Top 10 Tips for Saving for Your First Home in Australia

A practical guide for first home buyers in Victoria and across Australia to build your deposit and achieve your property ownership goals.

Image for Commercial Loan Risks to Consider Before Borrowing

17th February 2026

Commercial Loan Risks to Consider Before Borrowing

Understanding the potential pitfalls of commercial property finance helps protect your investment and ensures informed decision-making for your business.

Image for Home Loans for Semi-Detached Houses in Surrey Hills

16th February 2026

Home Loans for Semi-Detached Houses in Surrey Hills

Essential insights for Surrey Hills residents looking to purchase a semi-detached property with the right home loan

Image for How to Finance Acquiring Another Business with a Business Loan

12th February 2026

How to Finance Acquiring Another Business with a Business Loan

Understanding your business loan options and application process when purchasing an existing business in Australia

Image for Why Should Property Types Matter for Your Home Loan Choice?

28th January 2026

Why Should Property Types Matter for Your Home Loan Choice?

Understanding how different property types affect your Home Loan options and borrowing capacity in Surrey Hills

Image for Avoid These Investment Loan Mistakes: Fixed Rates & Offsets

23rd January 2026

Avoid These Investment Loan Mistakes: Fixed Rates & Offsets

Understanding how fixed rate investment loans and offset accounts work together for Australian property investors

Image for Car Loans and Electric Vehicles: Key Finance Considerations

19th January 2026

Car Loans and Electric Vehicles: Key Finance Considerations

Discover how to finance your electric or hybrid car purchase with tailored loan options across Australia

Image for Top tips to buy a duplex as a first home buyer

15th January 2026

Top tips to buy a duplex as a first home buyer

Essential guidance for Surrey Hills first home buyers considering duplex purchases and accessing suitable loan options

Image for What are Variable Rate Investment Loan Terms in Australia?

13th January 2026

What are Variable Rate Investment Loan Terms in Australia?

Understanding variable interest rates and key loan features when buying an investment property across Australia

Image for Home Loans and Financial Planning: The Complete Guide

12th January 2026

Home Loans and Financial Planning: The Complete Guide

Understanding how strategic financial planning can optimise your home loan decisions and property investment outcomes across Australia.

Image for Top tips to secure business loans for purchasing inventory

9th December 2025

Top tips to secure business loans for purchasing inventory

Discover how business loans can help fund your inventory purchases and maintain healthy cash flow across Australia.

Image for Proven Tips to Refinance and Add Offset Account Features

3rd December 2025

Proven Tips to Refinance and Add Offset Account Features

Unlock the potential of your home loan by refinancing to access offset accounts and enhanced financial features

Image for Do you know how SMSF Loans can help you buy property?

2nd December 2025

Do you know how SMSF Loans can help you buy property?

Discover how Self-Managed Super Fund loans unlock investment property opportunities with professional mortgage broking guidance.

Image for Do you know what Commercial Loan Documentation involves?

28th November 2025

Do you know what Commercial Loan Documentation involves?

Understanding the essential paperwork and processes required when applying for commercial finance in Australia

Image for What are Investment Loans and How to Purchase Rental Property

25th November 2025

What are Investment Loans and How to Purchase Rental Property

Understanding investment loan options, application processes, and property investment strategies for Surrey Hills investors seeking rental income.

Image for Avoid These 5 Mistakes When Buying Your First Townhouse

20th November 2025

Avoid These 5 Mistakes When Buying Your First Townhouse

Essential tips for first home buyers in Surrey Hills looking to purchase a townhouse with confidence

Ready to chat to one of our team?

Book Appointment

Contact

Surrey Hills, VIC

Evolution Sales Pty Ltd ABN: 99 119 967 323. Credit Representative #530391 is authorised under Australian Credit Licence #387025

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.