By Joel Wyld, Director of Peasy
IN SUMMARY

If you’re self-employed and haven’t reviewed your loan since the original settlement, it’s worth checking if it still fits. Your income, tax returns and business structure can change and so can lender policies across Australia.
That’s why a self-employed loan review in Australia matters.
In this

Buying your first home is exciting.
It’s also one of the biggest financial decisions you’ll ever make.
Most first home buyers spend a lot of time thinking about deposits, borrowing capacity and interest rates. Those things are important, but they’re only part of the story.
The reality is that once you’ve got your finance sorted,

If you’ve been considering buying an investment property through your Self-Managed Super Fund (SMSF), you’ve probably seen the headlines this week.
The Federal Government has agreed to ban new borrowing by SMSFs for residential property purchases as part of a broader deal to pass its tax reform legislation. In practical terms, this means SMSFs will

What everyday property buyers and investors actually need to know
What actually changed?
The Government has announced major tax changes that affect future property investors, particularly people buying established investment properties after 7:30pm on 12 May 2026.
The biggest changes are:

Negative gearing on most future established investment properties becomes less favourable
Capital gains

This week, the Reserve Bank of Australia increased the cash rate by another 0.25%, which has once again sparked the question:
“Should I fix my home loan?”
The honest answer is: maybe – but it depends more on your personal situation than the forecasts themselves.
Right now, a lot of the major bank forecasts are

By Joel Wyld, Director of Peasy
IN SUMMARYIf you’re self-employed in Australia and feeling the pressure of rising costs, tighter cash flow or business uncertainty, reviewing your home loan or investment loan could be one of the smartest financial moves to consider.
Many self-employed borrowers assume refinancing when self-employed is too difficult, especially if the

After all the speculation leading up to this week’s RBA meeting, rates were left unchanged.
That surprised quite a few economists and banks, many of whom were expecting another increase.
Which brings me to an important point…
One of the reasons I do these “Should I Fix?” updates is to show what the forecasts are

IN SUMMARY

If you’re self-employed and you’ve been told applying for a loan is “too hard”, I don’t want you accepting that as the final answer.
Yes, self-employed lending can be more complex. Your income might fluctuate. Your tax returns might need a proper look. Your business structure might take more effort to understand.

Meet Anita Kucharczyk – Buyers Coach
 

Meet Anita – Buyers’ Coach

Anita brings a unique combination of hands-on property investing experience, analytical thinking and client-focused education to her role as Buyers Coach at Peasy. Her journey into property started early, growing up in a family deeply

I’ve had quite a few clients contact me lately asking whether they should fix their rate or refinance because of the recent news around inflation, oil prices, and possible interest rate movements.
I’ve just recorded the latest “Should I Fix” analysis video that you can access here;
Navigating Interest Rate Decisions: Should You Fix? 📈