Dino Penna - Assured Home Loans

06/10/2026

What your home could do for you...

30/09/2026

07/09/2026

South Australia introduced seniors downsizing stamp duty relief for contracts entered on or after 25 March 2026. Despite receiving little publicity, it represents the single largest incentive for seniors.

Eligible downsizers may qualify for full stamp duty relief when purchasing a new home or off-the-plan apartment valued at $2 million or less. For properties valued between $2 million and $2.1 million, partial relief may apply, with the benefit gradually reducing as the property value increases.

The alternative is to stay in your own home, avoid the possible extra cash from the sale could impact your pension entitlement and access the equity you built in your home.

Get in touch to explore your options or for more information.

06/09/2026

Happy Father’s Day to all the dads, father figures and mentors. Have a wonderful day celebrated by your family and friends.

26/08/2026

🚨 THINKING ABOUT PROPERTY INVESTMENT… BUT NOT SURE WHERE TO START?

With tax changes, changing rates and plenty of market noise, it’s easy to feel stuck asking the same questions:

🏡 Where should I invest?
💰 How much do I need?
📊 What can I comfortably afford?
🤔 Is property even the right investment strategy for me?

The answers start with understanding the numbers.

Before you chase a suburb, a property or the next “hot tip”, make sure the finance, cash flow and overall strategy actually stack up for your position.

📩 Reach out for a confidential, no-obligation assessment and let’s work through the numbers, your borrowing position and the options available to you.

The right opportunity starts with the right strategy.

21/08/2026

🏡 INVESTORS: NEW-BUILD PROPERTY JUST BECAME EVEN MORE IMPORTANT

The May 2026 Federal Budget introduced major changes to the way residential property investment will be taxed — and for investors considering house and land packages or other new-build properties, the distinction between new and established property is becoming increasingly important.

The legislation has now passed Parliament and received Royal Assent on 26 June 2026.

From 1 July 2027, negative gearing will generally be limited to qualifying new-build residential properties for investments acquired after Budget night. This means eligible investors purchasing new builds can continue to offset qualifying rental property losses against other assessable income, subject to their individual circumstances.

Importantly, investments held before 7:30pm AEST on 12 May 2026 are grandfathered under the existing negative gearing arrangements.

So why could a house and land package deserve a closer look?

🏗️ Negative gearing remains available for qualifying new builds
The Government has deliberately retained the concession for new housing to encourage investors to contribute to additional housing supply.

📉 Potential depreciation and capital works deductions
New investment properties may provide access to capital works deductions on eligible construction expenditure, together with deductions for eligible depreciating assets. The ATO notes that residential capital works deductions are generally claimed over 25 or 40 years, depending on the circumstances.

📈 Preferential CGT choice for qualifying new builds
From 1 July 2027, broader CGT rules are also changing. Investors in qualifying new builds will retain the ability to choose between the existing 50% CGT discount and the new inflation-indexed CGT arrangements, subject to eligibility and the applicable legislation.

🏠 You're helping create additional housing supply
Rather than competing for an existing dwelling, house and land construction can add another property to Australia's housing stock — exactly the type of investment the new tax settings are designed to encourage.

But tax benefits should never be the only reason to buy an investment property.

Location, land value, build cost, rental demand, expected yield, borrowing capacity, cash flow and the quality of the builder all need to stack up.

If you're considering investing over the next 12–24 months, it may be worth comparing an established property with a well-selected house and land package before deciding which strategy best suits you.

👉 Want to know what you could borrow and how a new-build investment could be structured?

Send me a message and I can help you assess your borrowing capacity, finance structure and repayments before you start looking at properties.

Credit assistance only. Tax outcomes depend on individual circumstances. Investors should obtain independent taxation, accounting and financial advice before making an investment decision. Lending is subject to lender eligibility, credit assessment, terms and conditions.

20/08/2026

What would you do? Maybe give your house a much needed renovation; invest in property to build your portfolio; replace that old car that’s not worth fixing? Let me know

18/08/2026

🏠 The Budget 3 Months on...The property investment landscape is changing — what does it mean for you?

The 2026 Federal Budget introduced major changes to negative gearing and Capital Gains Tax, and they could influence how investors approach their next property purchase.

🏗️ New property gets an advantage — negative gearing will be focused on eligible new builds from 1 July 2027.

🏘️ Established property changes — for properties purchased after Budget night, rental losses will ultimately no longer be deductible against income such as salary and wages, although losses can still be used against residential property income or carried forward.

💰 CGT is changing too — making the potential tax outcome and investment strategy increasingly important when comparing properties.

The takeaway? The property itself is only part of the equation.

Whether you’re buying your first home, considering your next investment or looking to access equity to build your portfolio, your finance structure and overall strategy matter.

📲 Before making your next move, let’s look at the numbers.

Message me for a chat about your borrowing capacity, equity position and finance options — and speak with your accountant or tax adviser about how the tax changes apply to you.

17/08/2026

🚚 Need a new vehicle, truck or equipment for your business? Financing it may be easier than you think.

For many established businesses and self-employed clients, Streamlined / Low Doc Asset Finance can provide a simpler way to purchase the assets needed to keep the business moving and growing.

Finance may be available for:

🚗 Motor vehicles & utes
🚛 Trucks, vans & commercial vehicles
🚜 Yellow goods & earthmoving equipment
🏗️ Plant, machinery & equipment
🛠️ Tools and other business assets

Why consider Streamlined Asset Finance?

✅ Reduced financial documentation may be available for eligible applicants
✅ Fast assessment and approval compared with more complex commercial lending
✅ Finance can be secured primarily against the asset being purchased
✅ Preserve valuable business cash and working capital rather than paying upfront
✅ Structure repayments around your business cash flow
✅ New and used assets may be considered
✅ A broad range of lenders and finance structures are available

For the right business, you may not need to provide the level of financial statements, tax returns and supporting information normally associated with a full commercial loan application.

That can be particularly valuable when an opportunity comes up and you need to replace a vehicle, add another truck, upgrade machinery or purchase equipment quickly.

💡 The objective is simple: put the asset to work in your business while keeping your cash available for everything else.

📲 Buying a vehicle, truck, machinery or equipment?

Send me a message with “ASSET” and a brief description of what you’re looking to purchase. I can look at the available finance options and help determine a structure that suits your business.

Eligibility, lending criteria, fees and conditions apply. Low-documentation requirements vary between lenders. Tax treatment should be discussed with your accountant or tax adviser.

14/08/2026

🏡 INVESTOR ALERT: Are you looking in the right spots this weekend?
While everyone else is looking at the prettier houses on the block, smart investors are looking at the math. If you are hitting the open home circuit tomorrow, keep these 3 numbers in your back pocket:
1️⃣ The 50% Rule: Estimate that 50% of your gross income will go toward operating expenses (taxes, insurance, maintenance), not including the mortgage itself.
2️⃣ Gross Rental Yield: Keep a target number in mind. (Annual rent ÷ purchase price) x 100. Does the property actually hit your portfolio goals, or are you hoping for capital growth to do all the heavy lifting?
3️⃣ Your Borrowing Buffer: Lenders are still assessing your servicing with a buffer. If you haven't had your capacity reviewed in the last 30 days, your math might be outdated before you even make an offer.
Don't let emotional bidding destroy your yields.
👇 Are you looking to add a positive or negatively geared property to your portfolio next? Let me know in the comments, or shoot me a DM to run your pre-approval numbers before Monday!