Your Local Brokers Baseline Finance

The Self-Employed Stigma: Why Your Bank Thinks Your Successful Business is a Risk

Slug: self-employed-stigma-bank-risk 6 min read TL;DR: The Quick Summary The "Stigma": Banks often view entrepreneurs as "higher risk" due to fluctuating income, even if their business is thriving. The Tax Paradox: Standard lending criteria focus on taxable income, which is often minimised for tax efficiency, hurting your borrowing capacity. The Baseline Difference: We don't just […]

Is Residential Property Out? Why Perth Investors Are Pivoting to Commercial Loans in 2026

6 min read Quick Summary: Perth’s residential market has seen massive growth, but yields are tightening, leading investors to seek better cash flow elsewhere. Commercial property in 2026 offers significantly higher yields (mid-5% to 8%+) and longer, more stable lease structures. Commercial loans operate differently: leveraging existing property as security is a common way to […]