Propel Finance Group

Propel Finance Group Clear, practical mortgage & business finance advice for home buyers, investors, and small business owners. Adelaide-based. Strategy-led. No pressure.

At Propel Finance Group, we make finance simple. Whether you’re buying a home, refinancing, or growing a business, we’ll help you find a loan that works for you. No pushy sales, just real conversations and honest guidance.

25/06/2026

CGT discount. Negative gearing. DTI caps. Trust tax. Now LRBA borrowing inside super is on the table.
One by one, the tools everyday Australians use to build wealth are being restricted — while foreign capital gets tax incentives to own our housing through Build to Rent.

So what's actually going on? 🤔
I'm not telling you not to invest. I'm telling you the rules are shifting fast, and you need someone across every change before it costs you.

DM me or comment "STRATEGY" and let's talk about what this means for your portfolio.

If you're an investor and you haven't checked your borrowing capacity lately, now's the time. 👉 Swipe through.Three thin...
23/06/2026

If you're an investor and you haven't checked your borrowing capacity lately, now's the time. 👉 Swipe through.

Three things shifted in 2026 that directly affect what you can borrow as a property investor — and most people don't know all three.

After May's rate move and APRA's new DTI rules, the numbers look different. Borrowing capacity is down roughly $54k for the average investor since January. The stress test is now sitting around 9.5%. And high-DTI lending is now capped across the whole industry.

Here's the thing though — lenders apply these rules differently. Some are more investor-friendly than others. The capacity you got quoted six months ago isn't necessarily what you'd get today, and it may not be your limit either.

DM us "NUMBERS" and we'll take a look at where you actually stand.

19/06/2026

Last night I was at the Men's Meals and Mental Health Dinner at Adelaide Oval, supporting Breakthrough Mental Health.

We heard from men and women who'd been through extreme situations and come out the other side. Little polish on it - just straight talk about how hard recovery actually is, and that it doesn't just switch off once the crisis does.

On average, 9 Australians die by su***de every day, 7 are men. It hits some groups harder than others - Vets and farmers in particular, where isolation and identity get tangled up in it.

Good on Credit Union SA for the invite, and Breakthrough for getting people in a room to actually talk about it.

"Should I wait for the market to settle?"It's the most common question I'm getting right now — and I get it. Nobody want...
16/06/2026

"Should I wait for the market to settle?"

It's the most common question I'm getting right now — and I get it. Nobody wants to overpay.

But here's the thing most upgraders miss: you're buying and selling in the same market. If prices soften, so does the one you're selling. If they rise, your equity moves with them.

The hesitation makes sense. What usually shifts it is getting the actual numbers in front of you — not market sentiment, but your specific position.

DM us if you want to think it through.

On Thursday I'll be at the Men's Meals and Mental Health Dinner at Adelaide Oval. 🙏A big thank you to Credit Union SA fo...
15/06/2026

On Thursday I'll be at the Men's Meals and Mental Health Dinner at Adelaide Oval. 🙏

A big thank you to Credit Union SA for the invitation — really grateful to be part of this one.

7 of 9 lives lost to su***de every day in Australia are men. A quarter wouldn't seek help from anyone if they were struggling. Breakthrough Mental Health is doing real work to change that — funding research and getting blokes in a room talking.

Event's sold out, but you can still support the cause. Donation link in the first comment. 👇

If you're coming along Thursday, come say g'day. 👊

10 years as a proud MFAA member. 🎖️It's a milestone I don't take lightly. MFAA membership means committing to the highes...
09/06/2026

10 years as a proud MFAA member. 🎖️

It's a milestone I don't take lightly. MFAA membership means committing to the highest professional standards in the industry — ongoing education, ethical practice, and always putting our clients' interests first.

To every client who's trusted us over the past decade — thank you. This one's for you.

Home loans don't have to be stressful. 🙌That's kind of the whole point of what we do — clear communication, no surprises...
06/06/2026

Home loans don't have to be stressful. 🙌

That's kind of the whole point of what we do — clear communication, no surprises, and keeping you in the loop at every single step.

Thanks Bodie, we really appreciate you taking the time. It means a lot to the whole team. 🙂

The federal government's housing tax legislation is now in a three-week Senate probe — the changes aren't locked in yet....
04/06/2026

The federal government's housing tax legislation is now in a three-week Senate probe — the changes aren't locked in yet.

But lenders aren't waiting. Some have already updated their serviceability calculators to reflect the proposed changes. Others are holding until the legislation passes.

That split matters for investors. Depending on which lender you're assessed with, your borrowing capacity could look different right now — even for the same loan.

If you're weighing up an investment purchase or refinance before the end of the financial year, getting current numbers from someone who knows which lenders have moved and which haven't is worth doing now. 🙂

📍 Propel Finance Group | Adelaide | Investment lending

With the proposed negative gearing changes, the type of property you buy now matters more than ever. New builds retain n...
02/06/2026

With the proposed negative gearing changes, the type of property you buy now matters more than ever. New builds retain negative gearing benefits that established properties stand to lose — which means who you're working with in this space matters just as much as the finance.

We work with a trusted network of property operators — people with a proven track record in new build investment. One of them is running an investment presentation this week covering upcoming property releases.

If you're an investor keeping an eye on new build opportunities, reach out and I'll point you in the right direction. 🙂

📍 Propel Finance Group | Adelaide | Investment lending

The 2026 Budget has started moving through lending policy — and investors are starting to feel it.Macquarie is already t...
28/05/2026

The 2026 Budget has started moving through lending policy — and investors are starting to feel it.

Macquarie is already the first major lender to strip negative gearing add-backs from serviceability and Westpac are close behind. That means the way they calculate your borrowing capacity has changed.

Other lenders haven't moved yet. But that gap won't last forever.

Swipe through for a plain-English breakdown of what's changed, what it means for your borrowing position, and three things worth reviewing before you make your next move. 🙂

📍 Propel Finance Group | Adelaide | Investment lending

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22A Beulah Road
Adelaide, SA
5067

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Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

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