Latest Articles from OAUM Securities

Check out the latest blog posts from OAUM Securities

Featured Articles

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15th October 2026

Property Values vs Interest Rates for Investors

A formal examination of how interest rate movements and capital growth interact to determine investment loan performance and equity outcomes in the Canberra residential market.

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14th October 2026

Everything You Need to Know About Equipment Finance Approval

A comprehensive examination of the approval processes, documentation requirements, and procedural frameworks governing commercial equipment finance applications in the Australian Capital Territory.

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13th October 2026

Beginner's Guide to Accessible Home Loans

How to structure finance for properties with accessibility features, disability modifications, or universal design elements in the Australian Capital Territory.

Image for Why First Home Buyers Should Consider a Duplex Purchase

12th October 2026

Why First Home Buyers Should Consider a Duplex Purchase

Duplexes present distinct eligibility, financing, and duty considerations for first home buyers in the ACT under current federal and territory concession frameworks.

Investment Loans

Image for Property Values vs Interest Rates for Investors

15th October 2026

Property Values vs Interest Rates for Investors

A formal examination of how interest rate movements and capital growth interact to determine investment loan performance and equity outcomes in the Canberra residential market.

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5th October 2026

Top Strategies to Maximise Investment Loan Tax Benefits

A comprehensive examination of the deduction framework, grandfathering provisions, and compliance obligations for residential investment property financing in the Australian Capital Territory.

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1st October 2026

Beginner's Guide to Investment Market Research

A comprehensive examination of legislative requirements, prudential constraints and tax considerations governing residential property investment loan applications in the Australian Capital Territory.

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30th September 2026

Proven Tips to Optimise Investment Loan Structures

Structural decisions made at loan origination determine portfolio capacity, tax treatment, and borrowing flexibility for the duration of the investment holding period.

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17th September 2026

Simple hacks to assess investment loan risk

A structured framework for evaluating borrowing capacity, asset exposure, and regulatory compliance in residential property investment lending across the Australian Capital Territory.

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31st August 2026

Proven Tips to Select Investment Loan Features

An examination of the structural elements and facility characteristics that define institutional-grade residential investment finance products in the Australian market.

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17th August 2026

The Pros and Cons of Property Investment Fundamentals

A comprehensive examination of the regulatory framework, taxation arrangements, and structural considerations that govern residential property investment in the Australian Capital Territory.

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17th August 2026

When to Use an Investment Loan for Student Accommodation

Regulatory considerations, structural requirements and financing parameters for investors acquiring purpose-built student accommodation properties in Canberra.

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21st July 2026

The Pros and Cons of Owning Multiple Properties

An assessment of the regulatory, taxation and structural considerations affecting investors acquiring a second, third or subsequent residential investment property in Canberra.

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25th June 2026

Smart Ways to Approach Property Investment Fundamentals

A structured examination of the foundational principles, financing mechanisms, and regulatory considerations that underpin residential property investment for Canberra-based investors.

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18th June 2026

Simple hacks to structure an investment property loan

Understanding the financing structures, tax implications, and regulatory requirements for acquiring residential property assets in the Australian Capital Territory and surrounding regions.

Equipment Finance

Image for Everything You Need to Know About Equipment Finance Approval

14th October 2026

Everything You Need to Know About Equipment Finance Approval

A comprehensive examination of the approval processes, documentation requirements, and procedural frameworks governing commercial equipment finance applications in the Australian Capital Territory.

Image for Top Strategies to Finance Restaurant Kitchen Equipment

11th October 2026

Top Strategies to Finance Restaurant Kitchen Equipment

A structured examination of commercial equipment finance solutions available to Canberra-based hospitality operators seeking to acquire or upgrade restaurant kitchen assets.

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25th August 2026

Top Strategies to Finance Mining Equipment Purchases

Comprehensive guidance on structuring commercial equipment finance for mining assets, from excavators to haul trucks, for ACT-based operations and contractors.

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12th July 2026

The easiest way to navigate equipment finance approvals

Understanding the equipment finance approval process ensures your Canberra business secures funding efficiently and meets lender compliance requirements without delay.

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25th June 2026

When to Finance Salon Equipment in Canberra

A structured examination of commercial equipment finance structures for salon operators acquiring or upgrading plant and equipment across the ACT region.

Home Loans

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13th October 2026

Beginner's Guide to Accessible Home Loans

How to structure finance for properties with accessibility features, disability modifications, or universal design elements in the Australian Capital Territory.

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8th October 2026

Offset Accounts: What to Know Before You Apply

An examination of the mechanics, conditions, and compliance requirements associated with the use of offset account facilities in residential mortgage lending structures.

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7th October 2026

Common Mistakes When Applying for a Home Loan with 10% Deposit

A structured analysis of the requirements, product structures, and lender-specific criteria affecting applicants seeking approval with a 10 per cent deposit in the Canberra market.

Image for Beginner's Guide to Offset Accounts and Redraw Facilities

23rd September 2026

Beginner's Guide to Offset Accounts and Redraw Facilities

A formal examination of the structural distinctions, regulatory treatment, and practical implications of offset accounts and redraw facilities for owner-occupied and investment home loan products.

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16th September 2026

What Are the Methods to Build Equity in Property?

A detailed examination of principal reduction strategies, offset mechanisms, and capital appreciation considerations for Canberra property owners managing residential mortgage obligations.

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2nd September 2026

Simple hacks to calculate your borrowing capacity

Understanding how lenders assess loan serviceability enables ACT applicants to identify precisely which variables affect approval, optimise income declarations, and secure a higher loan amount where circumstances support it.

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23rd August 2026

Simple hacks to use Fixed Rates and Offset Accounts

Fixed rate home loans do not permit offset accounts in standard product configurations. This article examines the structural incompatibility and alternative strategies available to ACT borrowers.

Image for Why Variable Rate Loans Should Include Extra Repayments

18th August 2026

Why Variable Rate Loans Should Include Extra Repayments

The functionality of offset facilities and additional payment capacity within variable rate home loan products for Canberra-based borrowers.

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11th August 2026

Top Strategies to Finance a Home Closer to Work

An assessment of home loan structures, deposit requirements, and borrowing capacity considerations for owner-occupied properties within reduced commute proximity of Canberra employment precincts.

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4th August 2026

What Not to Do When Applying for a Home Loan

Procedural missteps during the home loan application process can result in declined applications, delayed settlements, or suboptimal loan structures for Canberra purchasers.

Image for Rate Lock-ins and Break Costs: What Not to Misunderstand

2nd August 2026

Rate Lock-ins and Break Costs: What Not to Misunderstand

Fixed rate home loans provide certainty, but exiting early involves calculations and costs that warrant thorough examination before commitment.

Image for What are Fixed Rate Home Loans and How They Work

24th July 2026

What are Fixed Rate Home Loans and How They Work

An examination of fixed interest rate home loan products, including rate structures, break cost obligations, and application considerations for property purchasers in Canberra.

Image for Everything You Need to Know About Stamp Duty Concessions

14th July 2026

Everything You Need to Know About Stamp Duty Concessions

A comprehensive examination of stamp duty concessions available to eligible purchasers in the Australian Capital Territory and their application to home loan transactions.

Image for 10 Ways to Structure a Home Loan When Downsizing

8th July 2026

10 Ways to Structure a Home Loan When Downsizing

Formal guidance on home loan structuring, equity access, and financing strategies for ACT property owners transitioning to smaller residences.

Image for When to Lock in Rates for Off-the-Plan Loans

7th July 2026

When to Lock in Rates for Off-the-Plan Loans

Securing finance for an off-the-plan purchase requires coordination between pre-approval timelines, valuation requirements, and settlement conditions that differ materially from established property transactions.

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7th July 2026

Top Strategies to Understand Property Ownership

A comprehensive examination of the structural, legal, and financial implications of property ownership arrangements for residential mortgage applicants.

Image for Top Strategies to Utilise Fixed Rate Home Loan Features

30th June 2026

Top Strategies to Utilise Fixed Rate Home Loan Features

A comprehensive examination of fixed interest rate home loan structures, risk mitigation protocols, and strategies applicable to property financing transactions across the Australian Capital Territory.

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29th June 2026

Avoid These 3 Loan Structure Mistakes in ACT

Selecting the appropriate home loan structure is a material decision that determines financial flexibility, cost efficiency, and alignment with broader economic objectives.

Image for Top Strategies to Match Fixed Rate Loans with Life Stages

19th June 2026

Top Strategies to Match Fixed Rate Loans with Life Stages

An examination of how fixed interest rate home loan products align with distinct financial circumstances across different life stages and borrowing objectives.

First Home Buyers

Image for Why First Home Buyers Should Consider a Duplex Purchase

12th October 2026

Why First Home Buyers Should Consider a Duplex Purchase

Duplexes present distinct eligibility, financing, and duty considerations for first home buyers in the ACT under current federal and territory concession frameworks.

Image for Everything you need to know about Multiple Offset Accounts

28th September 2026

Everything you need to know about Multiple Offset Accounts

Multiple offset accounts provide first home buyers with the flexibility to manage deposits, household expenses, and repayment strategies through structured sub-account arrangements.

Image for How to Access First Time Buyer Resources in the ACT

20th September 2026

How to Access First Time Buyer Resources in the ACT

A detailed overview of federal and territory schemes, deposit thresholds, stamp duty exemptions, and application requirements applicable to first home buyers in the Australian Capital Territory.

Image for Beginner's Guide to Townhouse Finance for First Buyers

9th September 2026

Beginner's Guide to Townhouse Finance for First Buyers

Compliance framework, deposit structures and duty concessions applicable to first home buyer townhouse acquisitions in the Australian Capital Territory.

Image for Top Strategies to Plan Your First Home Purchase Timeline

7th September 2026

Top Strategies to Plan Your First Home Purchase Timeline

A structured framework for ACT first home buyers to coordinate deposit assembly, application lodgement, and settlement obligations in compliance with current lending standards.

Image for Simple hacks to match variable home loans with life stages

26th August 2026

Simple hacks to match variable home loans with life stages

Variable rate loans offer differing advantages depending on whether a first home buyer is entering the market in their twenties, thirties, or forties, with offset and repayment flexibility varying in value.

Image for What are the Requirements for Buying a Terrace House

28th July 2026

What are the Requirements for Buying a Terrace House

A comprehensive review of the deposit structures, conveyancing obligations, and government schemes available to first home buyers acquiring terrace property in the Australian Capital Territory.

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26th July 2026

Avoid These Variable Rate Loan Fee Mistakes

First home buyers in the ACT face multiple fee categories when arranging variable rate finance, including lender charges, government imposts, and insurance premiums.

Image for Top Strategies to Leverage Fixed Rate Loan Features

22nd July 2026

Top Strategies to Leverage Fixed Rate Loan Features

An examination of fixed rate loan structures, associated features, and application requirements for first home buyers in the Australian Capital Territory.

Image for First Time Buyer Advice: The Pros and Cons

19th July 2026

First Time Buyer Advice: The Pros and Cons

A comprehensive examination of the regulatory frameworks, financial structures, and compliance obligations first home buyers must navigate before proceeding to settlement.

Image for Common Mistakes First Home Buyers Make with Fixed Rates

16th July 2026

Common Mistakes First Home Buyers Make with Fixed Rates

A structured examination of fixed rate loan selection, lifecycle alignment, and the regulatory framework governing first home buyer transactions in the Australian Capital Territory.

Refinancing

Image for When to Refinance from Variable to Fixed Rate

7th October 2026

When to Refinance from Variable to Fixed Rate

A structured overview of the refinance application process, rate lock mechanisms, and considerations for ACT-based borrowers seeking to transition from variable to fixed rate lending structures.

Image for The Refinancing Approval Process and What It Entails

24th September 2026

The Refinancing Approval Process and What It Entails

A comprehensive examination of the procedural stages, documentation requirements, and assessment criteria governing mortgage refinancing applications in the Australian Capital Territory.

Image for Do you know when refinancing saves more than it costs?

13th September 2026

Do you know when refinancing saves more than it costs?

An examination of the rate threshold, cost structures, and procedural considerations that determine whether refinancing your home loan delivers a material financial benefit.

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6th September 2026

Beginner's Guide to Refinancing Costs

A comprehensive overview of the fees, charges, and financial considerations associated with refinancing a home loan in the Australian Capital Territory.

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1st September 2026

The easiest way to access home equity without selling

Refinancing to release equity enables property owners to access capital for investment, renovation, or debt consolidation without disposing of assets.

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12th August 2026

Smart ways to refinance and access cashback offers

Cashback offers from lenders can offset refinancing costs, but eligibility requirements and timing considerations must be assessed against long-term loan performance.

Image for Do You Know When to Refinance from Variable to Fixed?

7th August 2026

Do You Know When to Refinance from Variable to Fixed?

A structured examination of the refinancing process for borrowers seeking to transition from variable rate lending facilities to fixed rate mortgage products.

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1st July 2026

Top 10 Ways Refinancing Can Save You Money

A comprehensive examination of how mortgage refinancing delivers quantifiable financial benefits through rate reduction, equity access, and strategic loan restructuring.

Image for Proven Tips to Maximise Mortgage Refinancing Benefits

23rd June 2026

Proven Tips to Maximise Mortgage Refinancing Benefits

A comprehensive examination of the financial advantages available through mortgage refinancing and the procedural considerations that apply to Canberra and ACT property holders.

Image for Proven Tips to Refinance Your Investment Property

22nd June 2026

Proven Tips to Refinance Your Investment Property

A comprehensive examination of the refinancing process for investment property owners seeking to optimise loan structures and access accumulated equity.

Construction Loans

Image for Smart Ways to Approach Land Purchase for Townhouse Construction

4th October 2026

Smart Ways to Approach Land Purchase for Townhouse Construction

Understanding construction finance structures, progressive drawdown mechanisms, and compliance requirements for land acquisition and townhouse development projects in the Australian Capital Territory.

Personal Loans

Image for The easiest way to access a personal loan for emergencies

30th September 2026

The easiest way to access a personal loan for emergencies

Understanding the application process, eligibility requirements, and loan structures available to ACT residents requiring urgent financial assistance for unexpected circumstances.

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22nd September 2026

How to Finance a Motorbike with a Personal Loan

A structured overview of personal loan parameters, eligibility criteria, and application procedures relevant to motorbike acquisition in the Australian Capital Territory.

Image for Top tips to finance a houseboat with a personal loan

28th August 2026

Top tips to finance a houseboat with a personal loan

A comprehensive guide to understanding personal loan structures, eligibility requirements, and application processes for houseboat acquisition in the Australian Capital Territory.

Image for How to Finance a Cruiser or Catamaran Purchase

24th August 2026

How to Finance a Cruiser or Catamaran Purchase

An assessment of personal loan structures, secured and unsecured options, and the application process for marine vessel acquisition in the Canberra market.

Image for The Easiest Way to Meet Personal Loan Credit Score Requirements

13th August 2026

The Easiest Way to Meet Personal Loan Credit Score Requirements

An examination of credit assessment criteria, score thresholds, and compliance frameworks governing personal loan eligibility across Australian lending institutions.

Image for The Pros and Cons of Personal Loans for Honeymoons

11th August 2026

The Pros and Cons of Personal Loans for Honeymoons

An evaluation of unsecured personal loan facilities for the purpose of financing post-wedding travel, including cost structures, eligibility requirements, and repayment considerations.

Image for Simple Hacks to Lower Personal Loan Interest Rates

9th August 2026

Simple Hacks to Lower Personal Loan Interest Rates

Understanding personal loan interest rate structures and the factors that determine borrowing costs for Canberra applicants seeking unsecured and secured finance.

Image for How to Finance a Motorcycle with a Personal Loan

28th June 2026

How to Finance a Motorcycle with a Personal Loan

An examination of personal loan structures, application protocols, and compliance considerations for motorcycle acquisition financing in the Australian Capital Territory.

Car Loans

Image for Top Strategies to Manage Car Loan Repayments

27th September 2026

Top Strategies to Manage Car Loan Repayments

An examination of structured repayment methodologies, including principal and interest allocation, balloon payment structures, and refinancing protocols for vehicle financing across the ACT region.

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22nd September 2026

Top Tips to Finance a Sports Car Purchase

Essential considerations and financing structures for acquiring high-performance vehicles through secured lending arrangements in the Australian Capital Territory.

Image for Simple hacks to secure finance for a used car

10th September 2026

Simple hacks to secure finance for a used car

Guidance for Canberra clients seeking finance approval for reliable pre-owned vehicles, including application procedures and repayment structures.

Image for Avoid These 5 Car Loan Repayment Mistakes

19th August 2026

Avoid These 5 Car Loan Repayment Mistakes

Understanding repayment structures, balloon payments, and refinancing triggers ensures compliance with your vehicle financing obligations and mitigates long-term cost exposure.

Image for Top Strategies to Finance a Used Car in the ACT

9th July 2026

Top Strategies to Finance a Used Car in the ACT

An examination of secured financing structures, interest rate determinants, and application protocols for pre-owned vehicle acquisition across the Australian Capital Territory.

Image for What Not to Do When Financing a Classic Car

6th July 2026

What Not to Do When Financing a Classic Car

Classic vehicle acquisitions present distinct financing challenges that differ materially from standard automotive lending arrangements and require specialist assessment.

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17th June 2026

Work Vehicle Finance: What Not to Overlook

Purchasing a work vehicle requires consideration of loan structure, tax treatment, and documentation to ensure compliance and optimise financial outcomes.

Business Loans

Image for Understanding the Basics of Start-up Business Loans

8th September 2026

Understanding the Basics of Start-up Business Loans

An examination of secured and unsecured business finance options available to new commercial enterprises operating in the Australian Capital Territory.

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5th August 2026

Strategic Options to Hire Additional Staff

A structured assessment of commercial lending facilities available to ACT businesses seeking to expand workforce capacity and maintain operational liquidity.

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4th August 2026

Top tips to prepare Business Loan documentation

A comprehensive overview of the documentation requirements, financial statements, and supporting evidence necessary to substantiate a business finance application in Australia.

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29th July 2026

Simple hacks to secure equipment finance

A structured approach to acquiring business equipment through secured and unsecured business term loans for ACT-based commercial entities.

Image for Why Should You Finance Business Premises Renovations

13th July 2026

Why Should You Finance Business Premises Renovations

Understanding the structure, compliance requirements, and lending parameters that govern commercial property improvement finance for Canberra enterprises.

Asset Finance

Image for Simple hacks to finance kitchen equipment

4th September 2026

Simple hacks to finance kitchen equipment

Structured asset finance solutions enable commercial kitchen operators in Canberra to acquire essential equipment while preserving working capital and managing compliance obligations.

Image for The Costs and Benefits of Earthmoving Equipment Finance

30th August 2026

The Costs and Benefits of Earthmoving Equipment Finance

A detailed examination of asset finance structures for excavators, loaders, dozers and other heavy earthmoving machinery in the Canberra commercial construction sector.

Image for Understanding the Basics of Fit Out Finance

20th August 2026

Understanding the Basics of Fit Out Finance

A structured overview of financing options for commercial fit out projects, including eligibility criteria, facility structures, and compliance considerations for ACT-based enterprises.

Image for Top Tips to Finance Generators for Your Business

30th July 2026

Top Tips to Finance Generators for Your Business

A comprehensive guide to equipment finance structures, compliance considerations, and capital preservation strategies when acquiring commercial generator assets in Canberra.

Image for Top 10 Ways to Finance Technology Systems for Business

30th July 2026

Top 10 Ways to Finance Technology Systems for Business

A comprehensive examination of asset finance structures available to Australian Capital Territory entities seeking to acquire technology infrastructure and equipment systems.

Image for Beginner's Guide to Computer Equipment Finance

20th July 2026

Beginner's Guide to Computer Equipment Finance

An overview of asset finance structures, tax considerations, and approval requirements for purchasing business technology equipment in the Australian Capital Territory.

Image for The Pros and Cons of Plant Equipment Finance

2nd July 2026

The Pros and Cons of Plant Equipment Finance

A comprehensive examination of financing arrangements for plant equipment acquisition, including structural considerations, tax implications, and cashflow management for Canberra-based enterprises.

Image for The Pros and Cons of Asset Finance for Office Refurbishment

15th June 2026

The Pros and Cons of Asset Finance for Office Refurbishment

A comprehensive examination of financing options for businesses undertaking office refurbishment projects, including structures, tax implications, and cashflow considerations.

Commercial Loans

Image for Why Commercial Land Purchases Require Specialised Lending

16th July 2026

Why Commercial Land Purchases Require Specialised Lending

Understanding the structuring, collateral requirements, and compliance considerations that distinguish commercial land acquisition financing from standard property loans.

Image for The Risks and Rewards of Commercial Loans

16th June 2026

The Risks and Rewards of Commercial Loans

An examination of the principal risks associated with commercial property finance and the regulatory considerations applicable to borrowers in the Australian Capital Territory.

Recent Articles

Image for Top Strategies to Secure a Semi-Detached Home Loan in the ACT

15th September 2026

Top Strategies to Secure a Semi-Detached Home Loan in the ACT

A comprehensive assessment of lending structures, prudential requirements, and government-assisted pathways for owner-occupier and investor purchasers acquiring semi-detached residential properties across the Australian Capital Territory.

Image for When to Finance Earthmoving Equipment

14th September 2026

When to Finance Earthmoving Equipment

A structured examination of equipment finance arrangements for earthmoving machinery acquisition in the Australian Capital Territory commercial sector.

Image for Do You Know How Investment Loan Structures Work?

23rd June 2026

Do You Know How Investment Loan Structures Work?

An examination of core structural components within investment property finance for ACT-based investors, including repayment configurations and tax treatment implications.

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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.