Austin McAlpine - Loan Market

Austin McAlpine - Loan Market Contact information, map and directions, contact form, opening hours, services, ratings, photos, videos and announcements from Austin McAlpine - Loan Market, Mortgage brokers, 2/150 Lakedge Avenue, Berkeley Vale.

Mortgage & Finance Broker | DM to discuss mortgages, commercial and business loans or personal finance, or email at [email protected]

Loan Market Burwood & Berkeley Vale

It can be easy to set-and-forget commercial finance, but a periodic review is where owners often find room to improve th...
03/09/2026

It can be easy to set-and-forget commercial finance, but a periodic review is where owners often find room to improve their position.

02/09/2026

$80k gone. Not because he did anything wrong — because he waited.

So we set the $300k up as an interest-only split sitting in offset. He’s not paying interest on it while it sits there. It’s just there.

If a good buy comes up, he’s got the deposit ready to go without waiting on a val and an approval.
If business goes quiet for a quarter, he’s got a runway instead of a problem.

Equity is only worth what the valuer says it’s worth on the day you ask. And you don’t get to pick the day the market moves.

If you’ve got equity sitting in your property and no plan for it, send me a DM. Happy to run the numbers on what’s actually available to you right now.

Investor lodgement volume for established residential property is down 31% since early February, according to Loan Marke...
31/08/2026

Investor lodgement volume for established residential property is down 31% since early February, according to Loan Market Group’s latest data. This follows the Budget’s changes to negative gearing and three RBA rate rises.

While new builds are exempt from the tax changes, Commercial property, shares and other asset classes were left untouched entirely.

This is not a signal to chase commercial for its own sake, but a good time to compare your options.

Refinancing enquiries have gone through the roof lately, and there’s 3 reasons why.First — lenders are hungry. They’re o...
29/08/2026

Refinancing enquiries have gone through the roof lately, and there’s 3 reasons why.

First — lenders are hungry. They’re offering red hot rates specifically to win refinance business, and the gap between what new customers get and what loyal customers pay has never been more obvious.

Second — equity buffers. Clients are pulling cash out as a separate split and just letting it sit there. Costs basically nothing if you don’t touch it, but in this economy, having 50, 100, 200k sitting behind you changes can protect you and create opportunities.

Third — cost of living. We’re consolidating car loans, personal loans and tax debt into the home loan to cut monthly repayments and give households breathing room.

But here’s what I want you to actually take from this post: it’s not for everyone. I’ve told clients this month to stay exactly where they are. Break costs, already-sharp rates, timing — sometimes the maths says don’t move.

My job isn’t to just refinance you. It’s to give you the advice to know whats the right move.

Been more than 12 months since your loan was reviewed? DM or reach out on 0479 111 840 and i can make sure your loans working for you.

26/08/2026

Three ways to carry a $500k tax debt. Same debt, very different monthly hit. 3 clients in the last month I’ve helped with their business cash flow.

If you’re on an ATO payment plan and cash flow in the business is tight, it’s worth knowing you’ve got options to move that debt. Business loans and some non-bank lenders will refinance it, and in some cases the interest can be tax deductible, which the ATO’s interest charge no longer is. You’ll usually pay a higher rate than a standard home loan, so it’s a cash flow decision, not a rate one.

It’s not for everyone and for some people it makes no sense at all. Depends on your goals, your accountant’s view and where the business is heading. But with payday super now in play and the way the economy’s sitting, I’ve helped three business owners recently refinance tax debt or free up cash flow this way.

If that sounds like you, send me a message and we’ll work out whether it stacks up.

Figures shown are approximate and for illustration only. This is general information, not financial or tax advice. Your circumstances will differ. Speak to me and your accountant before making any decision, it doesn’t suit every business and there will be a tailored solution for you which may differ.

Borrowing power is one of those numbers a lot of people think they know but haven’t actually checked.It shifts with your...
25/08/2026

Borrowing power is one of those numbers a lot of people think they know but haven’t actually checked.

It shifts with your income, your expenses, your existing debts and yes, interest rates. With rates higher than they were a couple of years ago, your borrowing capacity might look different now than you expected.

Send us a DM to get started 💬

20/08/2026

Short answer — yes, if the business is profitable enough to pay you a wage that services the loan.

Here’s why it works:

💰 Your wage becomes clean, verifiable income — separate from company profits and debts

📊 Lenders can assess you without dragging every company loan into your borrowing capacity

📈 That separation can seriously lift your servicing power

But here’s the catch — pulling profits out as a wage can mean paying more tax than leaving them in the company. It comes down to your long term strategy and where the business is at.

That’s a conversation for your accountant AND your broker.

This is exactly why the brokers and accountants who get the best results for self-employed clients are the ones in the loop all year round. Not the ones getting a call a week before you want a loan or the day before your BAS is due.

Structure early. Borrow smarter.

📲 DM me “WAGE” and I’ll walk you through how lenders look at director’s wages vs company profits.

General information only — not personal financial or tax advice. Speak to your accountant about your specific situation.

centralcoastbroker loanmarket financebroker propertyinvestment smallbusinessaustralia

If you’ve been living in a house you’ve been meaning to renovate for years, we see you.The reno conversation is happeni...
20/08/2026

If you’ve been living in a house you’ve been meaning to renovate for years, we see you.

The reno conversation is happening around kitchen tables all over Australia right now. And the finance side (accessing equity, construction loans, top-up lending) is actually one of the easier conversations we have with clients.

Before you call the builder, it’s worth knowing what you can access and how. Because the number on those quotes might look very different once you know what you actually have to work with.

We can help you figure that out.

MFAA data shows brokers are involved in 81% of new residential loans settled. Borrowers are choosing brokers more than e...
18/08/2026

MFAA data shows brokers are involved in 81% of new residential loans settled.

Borrowers are choosing brokers more than ever. That’s not luck, that’s trust built one client at a time.

Happy National Finance Brokers Day.

18/08/2026

This structure mistake cost him $300K in borrowing power 😳

My client wanted to buy an investment property. Solid income, good deposit… but his borrowing capacity was $300K lower than it should’ve been.

Why? He was a sole trader with all his ute finance and a term loan in his personal name, when they both could’ve been against the business.

If his business ran through a company, that debt would sit in the company’s name — not his. And when you apply for a home loan personally, certain lenders can EXCLUDE those liabilities:

▪️ Pay yourself a directors wage — some lenders assess you off that alone
▪️ Others can work off your NOAs

That truck and equipment finance can work in your favour instead of dragging your capacity down.

⚠️ Structure changes have tax and legal implications — speak to your accountant AND broker first.

Self-employed and want to know how your structure affects your borrowing power? Comment COMPANY below 📩

General information only — not financial, credit or tax advice.

Address

2/150 Lakedge Avenue
Berkeley Vale, NSW
2261

Opening Hours

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

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