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Dino Penna - Assured Home Loans

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Dino Penna - Assured Home Loans

I'm Dino Penna — Adelaide's trusted finance and mortgage consultant. Authorised Credit Representative of Australian Associated Advisers Pty Ltd. (KeyLend).

From home loans and refinancing to asset finance, investment lending, business lending and Reverse Mortgages, I specialise in tailoring smart financial solutions to suit your unique goal Credit Representative Number 485141. ACN 084 974 694. Australian Credit Licence Number 389169.

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!

13/08/2026

🏡 Asset Rich, But Finding Everyday Life a Little Tight?

For many Australians over 55, retirement doesn’t always mean having plenty of disposable income.

You may own a valuable home and have built substantial equity over many years, but your pension, superannuation or retirement income may not stretch as far as it once did. Rising groceries, utilities, insurance, council rates, medical expenses and general living costs can place real pressure on everyday cash flow.

A Reverse Mortgage or Seniors Equity Loan may provide another option.

Rather than selling your home simply to access the wealth you’ve accumulated, an eligible equity-release loan can allow you to access part of your home's equity while continuing to live in your home.

Depending on the lender, your age, property and circumstances, funds may be available for a range of worthwhile purposes, including:

💰 Supplementing everyday cash flow and living expenses
🏠 Home repairs, maintenance or improvements
🚗 Replacing a car
🩺 Medical, dental or healthcare expenses
✈️ Travel and lifestyle needs
💳 Refinancing eligible existing debts
👨‍👩‍👧 Providing financial assistance to family
🌿 Simply creating a financial buffer for greater peace of mind

One of the key differences with many reverse mortgage products is that regular repayments are generally not required. Instead, interest is usually added to the loan balance, with the debt typically repaid when the property is eventually sold or another repayment event occurs.

Your home has built wealth. Could some of it help you today?

A reverse mortgage won't be suitable for everyone. Accessing equity reduces the equity remaining in your home over time, interest compounds, and it may affect your future financial position, estate and potentially government benefits. That’s why understanding the long-term implications is important.

But for the right person, it can provide a way to turn part of their property wealth into greater financial flexibility today, rather than struggling with limited retirement income while substantial wealth remains tied up in the family home.

👉 If you’re 55 or over and would like to understand what options may be available, get in touch for a confidential, obligation-free discussion.

We can look at your circumstances, explain how seniors equity lending works and help you understand whether it may be an appropriate solution for your needs.

11/08/2026

🏦 RBA HOLDS RATES — WHAT SHOULD MORTGAGE HOLDERS DO NOW?

The Reserve Bank has decided to leave the cash rate unchanged at 4.35%.

After three rate increases earlier this year, the RBA has hit the pause button — but that doesn’t necessarily mean rate rises are finished.

📊 Why did the RBA hold?

Inflation remains the key concern. While higher interest rates are starting to slow parts of the economy, inflation is still running above the RBA’s preferred 2–3% target range.

At the same time, there are signs that higher rates are doing their job:

🔹 Household spending is slowing
🔹 Housing market momentum has softened
🔹 New housing lending has declined
🔹 Financial conditions have tightened

Rather than immediately increasing rates again, the RBA is giving the previous increases more time to flow through the economy.

However, the message remains clear: if inflation stays too high, another rate increase remains possible.

🏠 WHAT DOES THIS MEAN FOR YOUR MORTGAGE?

Waiting for the RBA to cut rates may not be the best strategy.

If you haven’t reviewed your home loan recently, now could be a good time to ask:

❓ Is my interest rate still competitive?
❓ Could my existing lender offer me a better rate?
❓ Would refinancing improve my position?
❓ Is my loan structured correctly for what I want to achieve?

Even a relatively small difference in your interest rate can potentially translate into meaningful savings over the life of your mortgage.

💬 CHAT WITH US

As mortgage brokers, we can review your existing loan, compare available options across our lender panel and help determine whether your current mortgage is still suitable and competitive for your circumstances.

📲 Send us a message today for a home loan review.

Don’t just wait for interest rates to change — make sure your mortgage is working as hard as it can for you.

Credit assistance is subject to individual circumstances, lender eligibility and lending criteria.

09/05/2026

Wishing a very Happy Mother's Day to all the amazing mums in our community! 🌸
We hope your day is spent exactly how you like it—whether that's a quiet coffee, a big family lunch, or simply a well-deserved break.
Cheers to you!

24/04/2026

This ANZAC Day, we join our community in reflection and gratitude. We stand together to remember the fallen and to honor the resilience of those who continue to serve. We are incredibly thankful for their service and the values they defend.

Address

81 The Parade, Norwood
Adelaide, SA
5067

Opening Hours

Monday	9:30am - 6pm
Tuesday	9:30am - 6pm
Wednesday	9am - 4pm
Thursday	9am - 6pm

Telephone

+61448120702

Website

http://www.assuredhomeloans.com.au/, http://www.keylend.com.au/, http://www.moneyquest.com.au/

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