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.

17/06/2026

Should you make extra super contributions before 30 June?

The concessional contribution cap is now $30,000, and making deductible super contributions could help reduce your taxable income while boosting your retirement savings.

In this video, I explain:
✅ How deductible super contributions work
✅ How to claim the tax deduction
✅ How to check your remaining contribution cap in MyGov

EOFY is approaching, so make sure you understand your options before 30 June.

📩 Message me if you'd like help reviewing your tax situation.




















15/06/2026

Still paying more tax than necessary?

Before 30 June, there may be opportunities to legally reduce your tax through:
✅ Asset purchases
✅ Super contributions
✅ Division 7A planning
✅ Prepaid expenses
✅ Stock write-downs

The best strategy depends on your business and personal circumstances.

Send me a message if you'd like to review your situation before EOFY.
















15/06/2026

Still paying 25% company tax every year?
You’re probably overpaying — and it’s not because you earn too much.
Most Australian business owners miss out on legitimate deductions simply because their business structure, tax planning, and expense management aren’t optimised.
The ATO has industry benchmarks. If your expenses are well below average, you’re likely handing over thousands (sometimes tens of thousands) in unnecessary tax.
8 out of 10 new clients who come to me are paying more tax than they should.
If your profit is growing but your tax bill keeps rising, and your accountant only does lodgements without real strategy — it’s time for a proper tax review.
Message me for a quick check to see how much you can legally save.







12/06/2026

Still paying 25% company tax every year?
You’re probably overpaying — and it’s not because you earn too much.
Most Australian business owners miss out on legitimate deductions simply because their business structure, tax planning, and expense management aren’t optimised.
The ATO has industry benchmarks. If your expenses are well below average, you’re likely handing over thousands (sometimes tens of thousands) in unnecessary tax.
8 out of 10 new clients who come to me are paying more tax than they should.
If your profit is growing but your tax bill keeps rising, and your accountant only does lodgements without real strategy — it’s time for a proper tax review.
Message me for a quick check to see how much you can legally save.








11/06/2026

In just 1 minute, I’ll clearly explain:
Which money in your Australian bank account needs to be declared to the ATO, and which doesn’t?
✅ Salary, business income, rental income, interest, dividends → Must be declared!
✅ Splitting bills with friends, money borrowed from family/friends, parental gifts/support, transfers between spouses, money brought from overseas, gifts for buying a house or car → Not taxable income (keep proof just in case).
Important: Bank interest is always taxable and must be reported.
If you have savings or loans in Australia, save this video!
I’m Kevin, your licensed Australian Mortgage Broker & Tax Agent.
Helping you save on tax and optimise your home loans!
👍 Like + Save + Share with friends who need it!











10/06/2026

😔 Aussie PAYG workers, feeling life getting tougher? Office salaries falling behind tradies like bricklayers and plumbers.
Why are honest PAYG workers getting poorer?

Inflation doubled living costs, but wages rose less than 30%
Tax deducted before you even see the money — no flexibility
Mortgage paid with after-tax dollars, interest not deductible

3 Quick Ways Out:

Join companies with strong benefits (health insurance, subsidies)
Start a side hustle or become a Contractor (better tax perks)
Avoid bad debt — especially overpriced homes or luxury spending

Don’t lose hope! Start using your brain and take action 💪
I’m Kevin, licensed Mortgage Broker & Tax Agent in Australia.
DM me for tax or home loan help!
❤️ Like + Share + Follow for more tips!














09/06/2026

"Hey everyone! It's tax season again!
Did you know? The Australian Taxation Office (ATO) lets you claim lots of personal tax deductions to get more money back in your pocket! Today, I'm sharing the most common personal tax deduction checklist!"
"But remember — to claim any deduction, you must meet these three key ATO rules:
The expense must be directly related to earning your income.
You must have paid for it yourself (not been reimbursed).
You need proper records as proof — like receipts, invoices, or a logbook."

"If you need help with your tax return, feel free to message me anytime!
Drop a comment, send me a DM, or reach out — I'm happy to help!
Like and save this video, and share it with your friends who might need it!
See you next time!

07/06/2026

🚨 Think Non-Bank Lenders are risky, super expensive, or only for people with bad credit?
You’re not alone — but you might be missing out!
In this video, I break down the truth about Non-Bank Lenders in Australia:
✅ How they’re fully regulated by ASIC (just like banks)
✅ Why they can say “YES” when banks say “NO”
✅ Who they’re perfect for (especially self-employed, complex income, overseas earnings, etc.)
✅ How their rates are now much closer to big banks than you think
✅ And how they can actually give you stronger borrowing power
If the bank rejected you or your situation is a bit different — this could be the solution you’ve been looking for!
👉 Watch till the end to see the clear Bank vs Non-Bank comparison table.
💬 Drop “Non-Bank” in the comments or send me a private message if you want a quick assessment of your situation. I’m a licensed Mortgage Broker — happy to help!

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

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10 Century Circuit
Baulkham Hills, NSW
2153

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