Mitch Harwood - Finance Broker

Mitch Harwood - Finance Broker Finance Broker with experience in residential mortgages, investment property, asset finance and SMSF

What does it really cost when a great employee leaves?Replacing an employee can cost Australian businesses an estimated ...
09/09/2026

What does it really cost when a great employee leaves?

Replacing an employee can cost Australian businesses an estimated $28,500 on average — before considering the time, disruption and knowledge that can leave with them.

While financial wellbeing is only one part of the employee experience, giving your people practical tools to better understand and manage their money can help build greater financial confidence, clarity and control.

The Foundations & Horizons 6-Week Financial Wellbeing Program helps employees make better use of the income they already earn, with practical education around cash flow, debt, financial goals, mortgages, super and investing.

Because investing in your people shouldn’t stop at their professional development.

Want to strengthen financial wellbeing within your workplace?

Get in touch with the SW Brokerage team to learn more about bringing the 6-week program to your organisation.

01/09/2026

Interest rates, rising repayments, borrowing strategy, property investing, cash flow, there’s a lot changing in today’s financial landscape.

In our podcast episodes, Barry Wilkinson and the SW Brokerage team break down the real conversations happening with clients right now, sharing practical insights, lending strategies and the key things borrowers should be considering in the current market.

Whether you’re navigating debt, reviewing your loans, investing, or simply trying to make smarter financial decisions, these are the conversations that matter.

🎙 Watch the full episode via the link in bio & on our Youtube Channel!

Thinking of making the switch to electric? ⚡🚗A 1% p.a. rate discount on eligible electric vehicle finance has been exten...
25/08/2026

Thinking of making the switch to electric? ⚡🚗

A 1% p.a. rate discount on eligible electric vehicle finance has been extended until 30 September 2026.

That could mean thousands in savings over the life of your loan.

Available on eligible battery electric vehicles and plug-in hybrids through Equipment Finance.

Want to know if you’re eligible? Get in touch with the SW Brokerage team to discuss your options.

📲 www.swbrokerage.com.au

Lending criteria, fees, charges and eligibility conditions apply.

SMSF PROPERTY LENDING: WHAT THE NEW RULES MEAN FOR YOU 🏢From 10 August 2026, new requirements apply to SMSF borrowing un...
20/08/2026

SMSF PROPERTY LENDING: WHAT THE NEW RULES MEAN FOR YOU 🏢
From 10 August 2026, new requirements apply to SMSF borrowing under Limited Recourse Borrowing Arrangements (LRBAs).

So, what does this mean for you?

🏢 New SMSF property purchases are generally restricted to Business Real Property under an LRBA.
🔄 Existing LRBAs aren't banned, eligible existing arrangements can generally continue to be maintained or refinanced, even where the property isn't Business Real Property.
🏗️ Commercial property remains an option where the relevant requirements are met.

If you're considering an SMSF property purchase, refinancing an existing SMSF loan or commercial property finance, understanding the new rules and structuring your lending correctly is more important than ever.

Have questions about your SMSF lending options?

👉 Get in touch with the SW Brokerage team today

Could Your Profession Help You Avoid LMI? Did you know that your profession could potentially give you access to special...
18/08/2026

Could Your Profession Help You Avoid LMI?

Did you know that your profession could potentially give you access to specialist lending options and help you avoid Lenders Mortgage Insurance (LMI)?

For eligible medical, allied health and other professionals, some lenders may offer higher-LVR lending without the usual LMI cost — potentially meaning a smaller deposit could be enough to get you into the property market sooner.
In our latest blog, we break down:

✔️ Who may be eligible
✔️ How professional lending policies can differ
✔️ What higher-LVR lending could mean for you
✔️ Why the right loan structure matters

Think your profession could unlock better lending options?

Read the full blog or get in touch with the SW Brokerage team to explore your options: https://lnkd.in/gWDp9seS (https://www.linkedin.com/safety/go/?url=https%3A%2F%2Flnkd%2Ein%2FgWDp9seS&urlhash=Zh2U&mt=R4RlLc4AIiiNzSAgYVoPupIqkPu8-rj2fYwi8ai-6DIyg28MTj3Dp-dm-XOBiZjPLeseiyEqBnEvFI8bRURD0aV4RJhLgghYLX_hhOUS8coUG45XjaZj0EEx&isSdui=true)

We're good with numbers, but better with people.

⚽️ STRONG FINANCIAL FOUNDATIONS | FREE WEBINARSW Brokerage & Football Queensland are coming together to help you take co...
18/08/2026

⚽️ STRONG FINANCIAL FOUNDATIONS | FREE WEBINAR

SW Brokerage & Football Queensland are coming together to help you take control of your finances and build stronger financial foundations.

If you’ve ever thought, “I know I could be doing better with my money, I just don’t know where to start,” this session is for you.

📅 25 August 2026
⏰ 7:00pm
💻 Online Webinar

Walk away with practical strategies and greater confidence around managing your money and planning for the future.

🎟️ Secure your spot now — registrations are open!

LINK https://www.eventbrite.com/e/1997422058145?aff=oddtdtcreator

RBA holds the cash rate at 4.35% — but that doesn’t mean you should wait to make a move.With rates remaining on hold, ma...
11/08/2026

RBA holds the cash rate at 4.35% — but that doesn’t mean you should wait to make a move.

With rates remaining on hold, many borrowers are asking the same question: When will rates come down?

But waiting for the next rate cut isn’t always the best strategy. There may already be opportunities to improve your loan structure, reduce repayments, access better rates or review how your current lending is working for you.

The right strategy can make a difference before rates start moving.

👉 Read our latest blog where we break down what the RBA’s decision means for borrowers and why you don’t need to wait for a rate cut to review your mortgage.

Read the full blog: https://swbrokerage.com.au/blog/rba-rates-on-hold-don-t-wait-for-a-rate-cut-to-improve-your-mortgage

📲 Want to understand your options? Get in touch with the SW Brokerage team for a quick review.

06/08/2026

Interest rates, rising repayments, borrowing strategy, property investing, cash flow, there’s a lot changing in today’s financial landscape.

In our recent podcast episodes, Barry Wilkinson and the SW Brokerage team break down the real conversations happening with clients right now, sharing practical insights, lending strategies and the key things borrowers should be considering in the current market.

Whether you’re navigating debt, reviewing your loans, investing, or simply trying to make smarter financial decisions, these are the conversations that matter.

🎙 Watch the full episode via the link in bio & on our Youtube Channel!

Thinking about building a new home?With construction costs continuing to rise steadily, waiting could mean paying more f...
04/08/2026

Thinking about building a new home?

With construction costs continuing to rise steadily, waiting could mean paying more for the same build in the future. The good news? With the right finance strategy and the right builder, building your dream home can be a smooth and rewarding experience.

In our latest blog, we explore:
🏡 Why 2026 is still a smart time to build
💰 How construction loans differ from standard home loans
🤝 Why having an experienced broker by your side matters
🔨 How our partnership with Bold Living helps make the building journey easier
Whether you’re building your first home, upgrading for a growing family or investing in your future, preparation is key.

Read the full article and discover how SW Brokerage can help you build with confidence.
https://swbrokerage.com.au/blog/why-building-a-new-home-in-2026-is-still-a-smart-move-and-why-choosing-the-right

Support your team beyond the workplace. 💚Financial stress doesn’t stay at home—it can impact focus, productivity and ove...
31/07/2026

Support your team beyond the workplace. 💚

Financial stress doesn’t stay at home—it can impact focus, productivity and overall wellbeing at work.

At SW Brokerage, our Workplace Financial Wellbeing Sessions provide practical, education-focused guidance to help employees build confidence with their finances. No product sales, no pressure—just real-world strategies your team can put into action.

Investing in your team’s financial wellbeing is investing in a happier, more confident and more productive workplace.

📩 Get in touch to learn how we can tailor a session for your business.

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Brisbane, QLD

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