<?xml version="1.0" encoding="UTF-8"?><rss xmlns:dc="http://purl.org/dc/elements/1.1/" xmlns:content="http://purl.org/rss/1.0/modules/content/" xmlns:atom="http://www.w3.org/2005/Atom" version="2.0"><channel><title><![CDATA[Ian Freeman Finance]]></title><description><![CDATA[Clear Paths to Your First Home]]></description><link>https://www.ianfreemanfinance.com.au/blog</link><generator>RSS for Node</generator><lastBuildDate>Fri, 17 Apr 2026 10:11:09 GMT</lastBuildDate><atom:link href="https://www.ianfreemanfinance.com.au/blog-feed.xml" rel="self" type="application/rss+xml"/><item><title><![CDATA[House &#38; Land vs Established Home: What's the Better Option?]]></title><description><![CDATA[Choosing between a house and land package versus an established home isn't just about preference — from a lending perspective, the structure matters just as much. Here's what you need to know.]]></description><link>https://www.ianfreemanfinance.com.au/post/house-land-vs-established-home-what-s-the-better-option</link><guid isPermaLink="false">69ca04f4a1a7d88074a79152</guid><pubDate>Mon, 30 Mar 2026 03:00:00 GMT</pubDate><dc:creator>ian62642</dc:creator></item><item><title><![CDATA[Why Your Loan Might Get Declined (And How to Avoid It)]]></title><description><![CDATA[Most loan declines aren't because people can't afford it — they happen because something was missed, not structured properly, or the wrong lender was chosen. Here's how to avoid it.]]></description><link>https://www.ianfreemanfinance.com.au/post/why-your-loan-might-get-declined-and-how-to-avoid-it</link><guid isPermaLink="false">69ca04f4a1a7d88074a79151</guid><pubDate>Mon, 30 Mar 2026 02:00:00 GMT</pubDate><dc:creator>ian62642</dc:creator></item><item><title><![CDATA[Fixed vs Variable Rates: Which One Actually Makes Sense?]]></title><description><![CDATA[Choosing between fixed and variable rates isn't just about picking a number — it's about how you manage your loan over time. Here's a practical guide to help you decide what actually fits your situation.]]></description><link>https://www.ianfreemanfinance.com.au/post/fixed-vs-variable-rates-which-one-actually-makes-sense</link><guid isPermaLink="false">69ca04f4a1a7d88074a7914f</guid><pubDate>Mon, 30 Mar 2026 01:00:00 GMT</pubDate><dc:creator>ian62642</dc:creator></item><item><title><![CDATA[How Much Can I Borrow? A Clear Guide for First Home Buyers]]></title><description><![CDATA[One of the first questions people ask is: "How much can I borrow?" The answer is rarely simple — it's based on how a lender interprets your entire financial position. Here's a clear guide for first home buyers.]]></description><link>https://www.ianfreemanfinance.com.au/post/how-much-can-i-borrow-a-clear-guide-for-first-home-buyers</link><guid isPermaLink="false">69ca04f4a1a7d88074a79150</guid><pubDate>Mon, 30 Mar 2026 00:00:00 GMT</pubDate><dc:creator>ian62642</dc:creator></item><item><title><![CDATA[How Much Deposit Do You Actually Need?]]></title><description><![CDATA[Most people believe you need a 20% deposit to buy a home. In reality, many buyers get in with far less — but the structure matters. Here's what you actually need to know.]]></description><link>https://www.ianfreemanfinance.com.au/post/how-much-deposit-do-you-actually-need</link><guid isPermaLink="false">69ca08398bb7e54baa6b6b39</guid><pubDate>Mon, 30 Mar 2026 00:00:00 GMT</pubDate><dc:creator>ian62642</dc:creator></item></channel></rss>