Sweetie Lending

Sweetie Lending Smart and Simple Mortgage.

Sweetie Lending is the home loan expert who helps you find the right loan for you, whether to refinance, release equity, buy your first home, or investment property.

05/06/2026

📍 Complete Step-by-Step Guide to Buying a Home in Australia! (Super Practical – Save This!)
Hi everyone, I’m Kevin, a licensed Mortgage Broker and Tax Agent in Australia. Today I’m sharing the full home buying process from start to finish — especially helpful for first-time buyers!
From assessing your borrowing power → viewing properties → making an offer → contract review → cooling-off period → full loan approval → settlement, I’ve covered every key step with practical tips.
✅ Avoid wasting time looking at houses you can’t afford
✅ Understand Private Treaty vs Auction risks
✅ Learn about Building & Pest Inspections, deposit requirements, cooling-off, and more
👉 Read the full post and save it for later — buying property is a big decision, and getting the process right can save you time, stress, and money!
If you’re planning to buy, refinance, or need help with your borrowing capacity, feel free to DM me. I’m here to help you find the best solution.
Disclaimer: This is for general information and educational purposes only. It does not constitute financial, legal, or tax advice. Please consult qualified professionals for your personal situation.

04/06/2026

🚨 Major Tax Changes Coming to Australia – What You Need to Know!
The Good News:
Stage 3 Tax Cuts are expanding!
From 2026/27, the tax rate for $18,201–$45,000 drops to 15%, then down to 14% in 2027/28. Big win for middle and low-income earners 💰
The Warnings:

$3 Million Super Tax (Division 296) starts 1 July 2026. Earnings on super balances above $3M will face up to 30% total tax.

Biggest Impact – Property Investors:
From 1 July 2027:

Negative gearing on new purchases of existing properties will be banned (losses can’t offset salary income anymore).
Existing properties and new builds are grandfathered.
CGT 50% discount is heavily restricted on second-hand investment properties (Indexation method + minimum 30% tax rate applies).

The rules are changing fast. Investors and high-net-worth individuals need to plan now!
Drop a 🔥 if this affects you
Comment “MORE INFO” for details

03/06/2026

Key Changes In Taxation Laws:

✅ Good News – Stage 3 Tax Cuts:
From 2026/27, the tax rate for $18,201 – $45,000 drops to 15%, then further to 14% in 2027/28. Big relief for middle and low-income earners.
❌ High-Net-Worth Alert – Division 296 Super Tax:
Starting 1 July 2026, if your super balance exceeds $3 million, earnings on the excess will be hit with an extra 15% tax (effective rate up to 30%).
🏠 Biggest Impact: Property Tax Reforms

Negative Gearing Overhaul (from 1 July 2027)
Existing properties owned before the cutoff: Negative gearing still allowed.
New Build properties: Negative gearing still allowed.
Future purchases of second-hand investment properties: No longer able to offset losses against your salary or wage income. Losses can only be carried forward.

CGT 50% Discount Changes (from 1 July 2027)
Second-hand investment properties: 50% CGT discount significantly restricted. Capital gains will use Indexation method with minimum 30% tax rate.
New Builds: Can still choose between 50% Discount or Indexation.

02/06/2026

💰 Australian Interest Rates Keep Rising… How Much Are You Paying Every Month?
Interest rates have gone up again this year, and most Aussies are just paying the bank’s minimum repayment — quietly handing over hundreds of thousands in extra interest.
But it doesn’t have to be that way.
In this video, I show you how on a $1M loan at 6%, simply adding $500 extra per month can save you $225,000 in interest and shave 5 years off your mortgage.
Plus two powerful tricks almost nobody talks about:

Switching to weekly/fortnightly repayments
Using your Offset Account the smart way

Want my free Extra Repayment Calculator that shows you exactly how much you can save on your loan?
👉 Just comment “1” below and I’ll send it to you straight away!
Drop your current loan amount + interest rate in the comments — happy to give you some quick thoughts.
Tag a friend who has a mortgage 👇
Like & share if this was useful!

15/05/2026

Turn your home into a rental and think it’s just extra income 😳
But what most people don’t realise is — the real risk is hidden in the tax rules.
You might think everything is fine… until you sell the property and find out your CGT (Capital Gains Tax) has been calculated incorrectly, potentially costing you tens of thousands.
Even more surprising — in many cases, you may still be eligible for the Main Residence CGT exemption, but most people don’t use it correctly.
By the time the ATO checks or you’re at settlement, it’s often too late to fix.
This video breaks down the key mistakes you need to avoid.

14/05/2026

Melbourne property market is looking rough right now 😳
Prices dropping, auctions failing, investors panicking…
But here’s the real question:
👀 Is this the worst time to buy… or the setup for the next opportunity?
I break down:
✅ Why Melbourne has been underperforming
✅ What interest rates & CGT changes could mean
✅ And the timeline I’m personally watching before buying
Would YOU buy Melbourne property right now? 👇

13/05/2026

Made money from stocks in Australia ≠ the money is fully yours 💸
Many people only realise it when they sell… and then CGT shows up 😳
In this video, I break down in the simplest way:
how stock tax works, when it applies, and how you may reduce it.
Understanding the rules is part of actually making money.
💬 Drop your questions in the comments
📌 Like & save this for later — you’ll need it sooner or later

12/05/2026

💥 Most people in Australia are overpaying $20,000 when buying a property… 😳
Most people think you need a 20% deposit to get into the property market… but that’s not always the case.
If you’re a CPA (Certified Practising Accountant), some banks may offer higher borrowing power — up to 90% LVR — and in certain cases, waive Lenders Mortgage Insurance (LMI) completely.
That means you could potentially get into a $1M property with a much smaller deposit than expected, saving you thousands in upfront costs.
And it’s not just CPAs — other professionals like engineers, doctors, nurses, and lawyers may also qualify for similar lending benefits depending on the bank.
Of course, approval still depends on your income, credit history, and eligibility.
If you’re curious whether you qualify, feel free to reach out — happy to break it down simply for you.

11/05/2026

Most small business owners in Australia are probably overpaying tax… and they don’t even realise it 👀

A lot of business expenses can actually be legally claimed — but many people either miss them, claim them wrongly, or never keep proper records.
In this video, I’ll break down:
✔ What expenses are commonly tax deductible
✔ What the ATO actually checks
✔ The deductions many business owners miss every year
I’ve also prepared a small business tax deduction checklist for Australia 🇦🇺
Comment “Tax” and I’ll send it to you 👌

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10 Century Circuit
Baulkham Hills, NSW
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