Daniel Venpin - Loanscope

Call Directions Website Contact the business

Daniel Venpin - Loanscope Contact information, map and directions, contact form, opening hours, services, ratings, photos, videos and announcements from Daniel Venpin - Loanscope, Financial service, Suite 721, 1 Queens Road, Melbourne.

I help customers navigate the complexities of securing finance to buy property by advising on and managing the application process to ensure a successful lending outcome.

Building approvals might not seem particularly relevant when you’re searching for a home. They don’t tell you what your ...
08/10/2026

Building approvals might not seem particularly relevant when you’re searching for a home. They don’t tell you what your next property will cost or how much you can borrow.

But they can tell you something about the market you could be buying into.

Take the latest results, for instance. According to the Australian Bureau of Statistics, the total number of dwellings approved for construction nationally in August was 16,953 – 6.1% less than in July.

So why should you care?

A building approval is permission for construction to begin, so approval numbers can provide an early indication of how much new housing may be coming through the pipeline.

When you look at that alongside other data like population growth and migration, you can start to see how balanced the market is. Approvals keeping up with the number of people requiring homes will likely mean less competition for housing and therefore, less upward pressure on property prices.

Of course, approvals are just that – approvals. They are not completed homes, and a dwelling still has some way to go before it is adding to supply. But keeping track of the pipeline can help buyers understand where future housing supply may be tight or more readily available and factor that into their property research.

Planning a purchase? Loanscope can help you understand the finance side of the equation. Visit loanscope.com.au or call 03 9988 1818.

Headline inflation has jumped to 4%. So does that mean another interest rate rise is coming? Not necessarily. The latest...
08/10/2026

Headline inflation has jumped to 4%. So does that mean another interest rate rise is coming?

Not necessarily.

The latest Australian Bureau of Statistics data showed annual inflation rose from 3.5% in July to 4.0% in August. Housing was the biggest contributor, while a 14.8% monthly increase in automotive fuel prices also pushed the headline figure higher.

However, trimmed mean inflation – which strips out some volatile price movements like fuel – remained at 3.6% for the third consecutive month.

That leaves the November cash rate decision finely balanced. Currently, Westpac expects another increase, while CBA expects the Reserve Bank of Australia (RBA) to hold.

For borrowers, the next move remains uncertain. Rather than trying to predict it, understanding how your finances would look under different rate scenarios can help you prepare for either outcome.

Want to understand what different interest rates could mean for your mortgage? Speak to Loanscope on 03 9988 1818 or visit loanscope.com.au.

Buying your next home before selling your current one sounds straightforward, until you think about how you’re going to ...
02/10/2026

Buying your next home before selling your current one sounds straightforward, until you think about how you’re going to fund both at once.

A bridging loan is designed for exactly this situation. It lets you access the equity in your current home to help fund the purchase of a new one, with the expectation that your existing property will be sold and the proceeds used to reduce your debt.

Depending on the lender and loan structure, interest on the bridging finance may be capitalised during this period rather than requiring you to make full repayments on the combined debt.

The trade-off is timing pressure. Most bridging loans come with a set period, often six to twelve months, in which to sell your existing home. If it takes longer than expected, the costs can add up quickly.

For buyers who don’t want to sell first and risk missing out on the right next home, a bridging loan can offer some breathing room, provided the numbers stack up.



Found your next home but haven’t sold your current place yet? Loanscope may be able to help you access a bridging loan. Visit loanscope.com.au or call 03 9988 1818.

The interest rate rise is a reminder that your mortgage can be affected by events happening thousands of kilometres away...
02/10/2026

The interest rate rise is a reminder that your mortgage can be affected by events happening thousands of kilometres away.

The Reserve Bank of Australia (RBA) increased the cash rate by 0.25 percentage points to 4.60%.

One reason was the ongoing conflict in the Middle East. The RBA said disruptions to global oil supply are pushing up energy prices, with higher fuel costs starting to flow through to the prices of other goods and services.

Domestic inflation pressures are also playing a role, leaving the RBA concerned that high inflation could become embedded.

As a borrower, you can’t control global energy markets or the cash rate. What you can control is how your home loan is structured and whether it remains competitive as conditions change. At a time when the interest rate outlook remains uncertain, Loanscope can review your current loan, compare your options and help you make informed decisions about what to do next.



Wondering how the latest increase affects your home loan? Speak to the Loanscope team about your options. Visit loanscope.com.au or call 03 9988 1818.

Being priced out of one location doesn’t necessarily mean a client needs to give up on buying a house. Domain’s latest M...
02/10/2026

Being priced out of one location doesn’t necessarily mean a client needs to give up on buying a house.

Domain’s latest Matching Demand Report highlights how differently search and listing prices can align across a city.

In Melbourne’s inner ring, the median upper price buyers search for is $1.1 million, while the median house listing price is $1.54 million. But in the middle and outer rings, buyers are searching for higher prices than the actual median listing price.

As an accountant, you may have clients reconsidering a property purchase because the houses they want seem out of reach. But the Domain research suggests that broadening their search to different locations could change what’s possible.

A mortgage broker can complement the work you’re already doing by helping establish how much they can actually borrow and what that means for their property search.



Have a client reassessing their property plans? Introduce them to the Loanscope team on 03 9988 1818 or at loanscope.com.au.

Think you have $300,000 in equity to put towards your next property or renovation project? The amount you can actually a...
02/10/2026

Think you have $300,000 in equity to put towards your next property or renovation project? The amount you can actually access could be quite different.

Equity is the difference between your property’s current value and the amount you still owe on your home loan.

Usable equity, however, is the portion your lender will actually allow you to access.

Let’s say your home is worth $1 million and you owe $700,000. You have $300,000 in equity. Now assume a lender is prepared to lend up to 80% of the property’s value. That’s $800,000. Because you already owe $700,000, the difference is $100,000.

That $100,000 is your potential usable equity – subject to the lender being satisfied you can afford the additional borrowing.

So, having equity doesn’t necessarily mean you can access all of it. Before planning your next property or project around that figure, find out how much usable equity you actually have and how much additional borrowing you can afford.



Want to understand your usable equity? Speak to the Loanscope team. Visit loanscope.com.au or call 03 9988 1818.

Across most of the capital cities, homes are taking longer to sell at the moment. According to Cotality, the median numb...
24/09/2026

Across most of the capital cities, homes are taking longer to sell at the moment. According to Cotality, the median number of days a dwelling spends on the market rose between August 2025 and August 2026 in every capital except Canberra and Darwin.

Longer selling times can change the dynamic between buyers and sellers. Vendors who haven’t secured a buyer in the time they had hoped can become more willing to negotiate. There’s less pressure on you as a buyer to rush into a decision and you probably have more time to do through due diligence and research on the neighbourhood, home and market.

Having those extra days – double digits in some cases – could give you greater scope to negotiate a deal that works for your circumstances, rather than simply accepting what’s on the table.

That said, being prepared will still help. Knowing your borrowing capacity and having your finance organised means you’re ready to act when you find the right property.

Looking to buy? Speak to the Loanscope team about getting your finance ready. Visit loanscope.com.au or call 03 9988 1818.

Melbourne investors have seen another year of solid rental growth, with advertised rents now 6.1% higher than 12 months ...
24/09/2026

Melbourne investors have seen another year of solid rental growth, with advertised rents now 6.1% higher than 12 months ago.

SQM Research data showed house rents were up 7.2% over the year, while unit rents increased 4.7%.

As we head into the spring and summer leasing season, the next few months will provide a clearer picture of where rents go from here. Winter is typically the softest period for advertised rents, with SQM noting they normally firm from October into December and January.

For investors, strong rental growth over the past year may support yields and cash flow, while the spring and summer leasing season will provide fresh evidence about the income potential of prospective investments.

If you’re considering a Melbourne investment property, the Loanscope team can help you understand your borrowing options. Visit loanscope.com.au or call us on 03 9988 1818.

If you’re moving from residential property into commercial investing, you’ll encounter some new terminology. Here are th...
24/09/2026

If you’re moving from residential property into commercial investing, you’ll encounter some new terminology. Here are three terms you should know:

1. Loan-to-value ratio (LVR). This is the percentage of the property’s value you’re borrowing. While LVR is also used in residential borrowing, commercial lenders often have different maximum LVRs depending on the property type and transaction.

2. Weighted average lease expiry (WALE). This is a measure of how long, on average, the property’s leases have left to run. A longer WALE can provide both you and your lender more certainty around future rental income.

3. Cap rate. Short for capitalisation rate, this is a property's annual net income expressed as a percentage of its purchase price. A lower cap rate usually reflects a more sought-after property with lower perceived risk, while a higher cap rate can signal stronger yield but potentially more risk.

These terms can help you make sense of how a commercial property stacks up and how a lender may view the deal.



Considering a commercial property investment? Speak to the Loanscope team about your finance options. Visit loanscope.com.au or call 03 9988 1818.

Investor activity has dropped to its lowest level in two years. If you’re thinking about buying, that might make you won...
17/09/2026

Investor activity has dropped to its lowest level in two years. If you’re thinking about buying, that might make you wonder whether other investors know something you don’t.

But lower investor activity doesn’t necessarily mean there are no opportunities.

CBRE’s Q3 Residential Valuer Insights survey found local and interstate investor activity at its lowest levels since the survey began in 2024. Buyer demand has also softened, with 56% of valuers describing their local markets as ‘soft’ or ‘very limited’.

But here’s the flipside: 62% of valuers expect listings to increase over the next 12 months.

For investors with the borrowing capacity to act, those conditions could mean more properties to choose from, fewer competing buyers and greater scope to negotiate on price.

However, a better buying environment is only useful if the numbers work for you. Understanding your borrowing capacity, likely repayments and finance options before you start looking can help you assess opportunities on their merits and act when the right one comes along.



Considering your next investment? Speak to the Loanscope team about your finance options. Visit loanscope.com.au or call us on 03 9988 1818.

Address

Suite 721, 1 Queens Road
Melbourne, VIC
3004

Opening Hours

Monday 9am - 6pm
Tuesday 9am - 6pm
Wednesday 9am - 6pm
Thursday 9am - 6pm
Friday 9am - 6pm

Telephone

+61422855586

Website

Alerts

Be the first to know and let us send you an email when Daniel Venpin - Loanscope posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Contact The Business

Send a message to Daniel Venpin - Loanscope:

Shortcuts

Sponsored

Share

Category