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    <loc>https://www.framefinance.com.au/blog/how-trust-loans-can-help-preserve-your-borrowing-capacity</loc>
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      <image:title>Finance Insights - How Trust Loans Can Help Preserve Your Borrowing Capacity - When building a property portfolio, one of the biggest challenges investors face is running out of borrowing capacity. Even if you have strong income and equity, lenders eventually reach a point where they won’t lend more.</image:title>
      <image:caption>One strategy sometimes used by experienced investors is purchasing property through a trust structure, rather than in their personal names.</image:caption>
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    <loc>https://www.framefinance.com.au/blog/prosandconsoftrustloans</loc>
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      <image:title>Finance Insights - The Pro’s &amp;amp; Con’s of Trust Loans</image:title>
      <image:caption>When you’re looking at upgrading your home, expanding your investment portfolio or moving into more complex property strategies, one structure that often comes up is borrowing via a trust, sometimes called a “trust loan”. Essentially, instead of purchasing or investing as an individual, the borrowing and ownership sits through a trust structure (for example a family/discretionary trust or unit trust) and the trustee takes on the loan on behalf of the trust. In the Australian market, this route is growing in popularity, but it’s not automatically better or appropriate for everyone. As with all strategic finance decisions, it’s about weighing the benefits against the extra complexity, cost and lender-requirements. Let’s walk through what you need to know.</image:caption>
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      <image:title>Finance Insights - How to Upgrade Your Car at EOFY Without Getting Stitched Up by the Dealership - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:title>Finance Insights - How to Upgrade Your Car at EOFY Without Getting Stitched Up by the Dealership</image:title>
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    <loc>https://www.framefinance.com.au/blog/selfemployed</loc>
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    <lastmod>2025-11-21</lastmod>
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      <image:title>Finance Insights - Is It Hard to Get a Loan When You’re Self-Employed? Here’s What You Need to Know! - More Choice Than You Think: Self-Employed and Ready to Buy</image:title>
      <image:caption>Being self-employed doesn’t mean you can’t buy a home, refinance, or invest in property. It just means the path looks a little different. It can provide more flexibility &amp; options than when you are simply paid a wage. If you're unsure what you can borrow or what lenders will say about your income, chat to us at Frame Finance. We help professionals, entrepreneurs, and self-employed borrowers structure their finances and find the right lender. You can book a time to chat here.</image:caption>
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      <image:title>Finance Insights - How Property Investors Are Using Trusts to Unlock ‘Unlimited’ Borrowing Power - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:title>Finance Insights - How Property Investors Are Using Trusts to Unlock ‘Unlimited’ Borrowing Power</image:title>
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      <image:title>Finance Insights - How Property Investors Are Using Trusts to Unlock ‘Unlimited’ Borrowing Power</image:title>
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      <image:title>Finance Insights - How Property Investors Are Using Trusts to Unlock ‘Unlimited’ Borrowing Power</image:title>
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      <image:title>Finance Insights - How Property Investors Are Using Trusts to Unlock ‘Unlimited’ Borrowing Power</image:title>
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      <image:title>Finance Insights - First home buyer guide - 2. Save Your Deposit</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference. You don’t always need a 20% deposit to buy your first home. Low deposit options are available Many first home buyers can purchase with as little as 5% + costs, depending on the lender and your situation. Explore government schemes We’ll guide you through options like the First Home Guarantee, stamp duty concessions, or superannuation access (e.g. First Home Super Saver Scheme). Set a tailored savings goal Once we know your target property price and eligibility, we’ll help you map out exactly how much you need to save, and how to get there.</image:caption>
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      <image:title>Finance Insights - First home buyer guide - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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