Loanfi Finance & Mortgage, 5 ISIS Close, Canberra (2026)

06/06/2026

𝐌𝐨𝐫𝐞 𝐂𝐡𝐨𝐢𝐜𝐞. 𝐋𝐞𝐬𝐬 𝐂𝐨𝐦𝐩𝐞𝐭𝐢𝐭𝐢𝐨𝐧. 𝐁𝐞𝐭𝐭𝐞𝐫 𝐎𝐩𝐩𝐨𝐫𝐭𝐮𝐧𝐢𝐭𝐢𝐞𝐬.

Right now, buyers are in a unique position.

✅ More properties are available for sale
✅ Around 35% fewer buyers are competing
✅ Sellers are becoming more negotiable
✅ Future property price growth is still expected

With stock levels sitting approximately 22% higher than this time last year, buyers have significantly more choice and greater negotiating power.

At the same time, uncertainty around taxation changes, negative gearing, and investment property regulations has caused many investors to hit pause on their property plans. That means less competition for owner-occupiers and first-home buyers.

But opportunities like this don't last forever.

As confidence returns and more buyers re-enter the market, competition is likely to increase, properties may sell faster, and negotiating power could shift back to sellers.

If you've been thinking about buying, the next few months could be one of the best windows of opportunity we've seen in some time.

Thinking about purchasing your first home or upgrading? Send me a message and let's explore your options.

04/06/2026

𝐐𝐮𝐢𝐜𝐤 𝐪𝐮𝐞𝐬𝐭𝐢𝐨𝐧: 𝐰𝐡𝐞𝐧 𝐝𝐢𝐝 𝐲𝐨𝐮 𝐥𝐚𝐬𝐭 𝐜𝐡𝐞𝐜𝐤 𝐲𝐨𝐮𝐫 𝐡𝐨𝐦𝐞 𝐥𝐨𝐚𝐧 𝐫𝐚𝐭𝐞?

Here's the uncomfortable truth — when rates rise, your bank passes it on fast. When it comes to giving you their sharpest deal? Not so fast.

That's the "loyalty tax" — existing customers often sit on higher rates than the new customer walking right through the door.

In a rising market, a quick, complimentary review could mean:
✅ A lower rate than your bank is offering you right now
✅ A loan structure built for 2026, not whenever you originally signed up
✅ Peace of mind knowing for sure that you're not overpaying

Worst-case scenario? You find out you're already on a great deal.
Best case scenario? We find you significant savings. 💰

Got More Questions?
Leave us a message.

27/05/2026

𝐇𝐞𝐥𝐥𝐨 𝐀𝐂𝐓 𝐅𝐢𝐫𝐬𝐭 𝐇𝐨𝐦𝐞 𝐁𝐮𝐲𝐞𝐫𝐬!

If owning your first home in Canberra has been on your mind, here is something worth knowing — with unlimited scheme places, no income caps, and full stamp duty exemption for purchases up to $1,020,000 on the table, the stars are genuinely aligned for first home buyers. If you have been sitting on the fence, now is the time to act.
The First Home Guarantee lets eligible buyers purchase with just a 5% deposit — no LMI, no income cap, and the government backs the rest. In the ACT, the price cap sits at $1,000,000, and if your household earns under $250,000 combined, you pay ZERO stamp duty on homes up to $1,020,000.
Here is a simple breakdown of what you actually need to have ready on settlement day:
🔹 $650,000 home → $37,500 cash needed
🔹 $900,000 home → $50,000 cash needed
🔹 $1,000,000 home → $55,000 cash needed
These figures include your 5% deposit, solicitor fees ($1,500), and miscellaneous costs of $3,500, which covers transfer fees, mortgage registration, council fees, bank fees, and other settlement costs.
And the stamp duty? $0 across all of these. That's a saving of up to $35,000+ that stays in your pocket.
If you are thinking about buying your first home in Canberra and want to know exactly where you stand, let's have a chat.
Subodh
Your Trusted Local Mortgage Broker

25/05/2026

𝐁𝐮𝐢𝐥𝐝 𝐧𝐞𝐰 𝐨𝐫 𝐛𝐮𝐲 𝐞𝐬𝐭𝐚𝐛𝐥𝐢𝐬𝐡𝐞𝐝? 𝐇𝐞𝐫𝐞 𝐢𝐬 𝐡𝐨𝐰 𝐭𝐨 𝐝𝐞𝐜𝐢𝐝𝐞 𝐚𝐬 𝐚 𝐟𝐢𝐫𝐬𝐭 𝐡𝐨𝐦𝐞 𝐛𝐮𝐲𝐞𝐫.

This is one of the most common questions I get — and honestly, the answer depends entirely on YOUR situation. There is no one right answer. So let me break it down simply.

✅ BUILD NEW might be the better choice if...
→ You can wait 12–18 months before moving in
→ You want to maximise government grants — the First Home Owner Grant is only available for new builds, NOT established homes
→ You want to pay less stamp duty — when building, stamp duty is calculated on the land value only, not the full purchase price
→ You want everything brand new with no surprise repair bills.
→ You want to customise your layout, finishes, and design from scratch

✅ BUY ESTABLISHED might be the better choice if...
→ You need to move in quickly.
→ You want to be in a specific established suburb close to schools, work, or family
→ You are looking for renovation potential and want to build equity through improvements
→ You want a simpler loan process — standard home loan, no construction stages to manage

Here is the thing most first home buyers do not realise 👇
You can still access the First Home Guarantee scheme (5% deposit, no LMI) whether you build OR buy an established home. And stamp duty concessions are available for both paths, too.
You can still access the First Home Guarantee scheme (5% deposit, no LMI) whether you build OR buy an established home. And stamp duty concessions are available for both paths, too.
Not sure which one fits your situation? That is exactly the conversation I love having.
Reach out to me on 0452572960
Subodh Gaudel — Your Local Mortgage Broker

18/05/2026

𝐋𝐞𝐭’𝐬 𝐃𝐢𝐬𝐬𝐞𝐜𝐭 𝐭𝐡𝐞 𝐂𝐆𝐓 𝐃𝐢𝐬𝐜𝐨𝐮𝐧𝐭 𝐂𝐡𝐚𝐧𝐠𝐞𝐬

There has been a lot of noise around the Federal Budget changes to Capital Gains Tax (CGT), especially for property investors and everyday Australians trying to build wealth.

But before jumping to conclusions, let’s break down what is actually changing.

From 1 July 2027, the current 50% CGT discount will be replaced with a new system based on:
• Cost base indexation
• A 30% minimum tax on real capital gains

📌 So what is changing?

Currently, if you hold an asset for more than 12 months, you may receive a 50% discount on the capital gain when you sell.

Under the proposed changes, instead of receiving a flat 50% discount, your asset’s cost base will be indexed for inflation. This means only the “real gain” above inflation may be taxed.

📌 A very important point many people are missing:

The Government is not removing CGT completely, nor are they taxing your entire sale price.

Only the capital gain is assessed, and under the new proposal, inflation adjustments will now become part of the calculation again, similar to the pre 1999 system.

There will also be a new minimum 30% tax applied to real capital gains from 1 July 2027.

📌 Transitional rules are also important:

• If you already own an asset before 1 July 2027, the current 50% CGT discount can still apply to the gains built up before that date.

• Only future gains after 1 July 2027 will move into the new indexed system.

• Investors may be able to obtain a valuation as at 1 July 2027 to separate old gains from future gains.

📌 One major exception:
New residential builds may continue receiving special treatment.

Investors purchasing new builds may have the option of choosing:
• The current 50% CGT discount, OR
• The new indexation and minimum tax system

This appears aimed at encouraging construction and increasing housing supply.

The biggest takeaway here is this:

Australia’s investment landscape is changing. Property investing is still possible, wealth creation is still possible, but strategy, structure, and long term planning will matter more than ever.

If you are thinking about investing, restructuring, refinancing, or planning your future property goals, now is the time to understand how these tax changes may impact your plans.

Feel free to reach out to Loanfi Finance and Mortgage to discuss your lending and investment strategy moving forward.

16/05/2026

𝐋𝐞𝐭’𝐬 𝐂𝐥𝐞𝐚𝐫 𝐎𝐮𝐭 𝐭𝐡𝐞 𝐅𝐞𝐚𝐫 𝐀𝐫𝐨𝐮𝐧𝐝 𝐍𝐞𝐠𝐚𝐭𝐢𝐯𝐞 𝐆𝐞𝐚𝐫𝐢𝐧𝐠 𝐂𝐡𝐚𝐧𝐠𝐞𝐬

The Australian Government has announced significant changes to negative gearing rules that could reshape future property investment strategies.

📅 From 1 July 2027, negative gearing concessions for residential property will be limited to NEW BUILDS only.

𝐖𝐡𝐚𝐭 𝐝𝐨𝐞𝐬 𝐭𝐡𝐢𝐬 𝐦𝐞𝐚𝐧?

✅ Existing investors are protected
If you already own a property, or signed a contract before 7:30pm (AEST) on 12 May 2026, you are exempt from these changes until you sell the property.

✅ Investors purchasing between 12 May 2026 and 30 June 2027
You can still negatively gear during this transition period, however deductions will no longer apply in future years after the new rules commence.

✅ New builds become more attractive
Only newly constructed residential properties will continue to allow rental losses to be deducted against other income.

⚠️ 𝐈𝐦𝐩𝐨𝐫𝐭𝐚𝐧𝐭 𝐭𝐨 𝐮𝐧𝐝𝐞𝐫𝐬𝐭𝐚𝐧𝐝:

Losses from established investment properties can still be carried forward and claimed against:
• Future rental profits
• Future capital gains from residential property investments

This means the benefit is shifting from a same-year tax deduction to a future-year tax deduction.

📌 Investors should carefully track every year’s profit and loss position on their investment properties, as these carried-forward losses may become valuable in future years.

With policy changes like this, choosing the right property strategy and loan structure is becoming more important than ever.

If you are thinking about investing, refinancing, or planning your next property purchase, now is a good time to review your strategy.

📞 Reach out to Loanfi Finance and Mortgage to discuss how these upcoming changes may affect your borrowing and investment plans.

15/05/2026

𝐂𝐨𝐧𝐠𝐫𝐚𝐭𝐮𝐥𝐚𝐭𝐢𝐨𝐧𝐬 𝐭𝐨 𝐨𝐮𝐫 𝐚𝐦𝐚𝐳𝐢𝐧𝐠 𝐜𝐥𝐢𝐞𝐧𝐭𝐬 𝐨𝐧 𝐭𝐡𝐞 𝐬𝐞𝐭𝐭𝐥𝐞𝐦𝐞𝐧𝐭 𝐨𝐟 𝐭𝐡𝐞𝐢𝐫 𝐯𝐞𝐫𝐲 𝐟𝐢𝐫𝐬𝐭 𝐡𝐨𝐦𝐞!

A huge milestone achieved for this hardworking couple — a Registered Nurse and a Support Care Worker — now proud owners of a beautiful 4 🛏 | 2 🛁 | 2 🚗 home on a 400m² block.

We’re proud to have helped them secure their dream home under the First Home Guarantee Scheme, making home ownership possible with a lower deposit and without paying LMI.

Wishing you both endless happiness and wonderful memories in your new home. Thank you for trusting us to be part of your journey!

11/05/2026

📈 𝐖𝐡𝐞𝐧 𝐢𝐧𝐭𝐞𝐫𝐞𝐬𝐭 𝐫𝐚𝐭𝐞𝐬 𝐫𝐢𝐬𝐞, 𝐦𝐨𝐬𝐭 𝐛𝐮𝐲𝐞𝐫𝐬 𝐡𝐢𝐭 𝐩𝐚𝐮𝐬𝐞… 𝐛𝐮𝐭 𝐬𝐭𝐫𝐚𝐭𝐞𝐠𝐢𝐜 𝐢𝐧𝐯𝐞𝐬𝐭𝐨𝐫𝐬 𝐨𝐟𝐭𝐞𝐧 𝐥𝐞𝐚𝐧 𝐢𝐧.

Why? Because higher rates reduce market competition. Many first-home buyers and emotional purchasers step out of the market, creating opportunities for experienced investors to move smarter — not faster.

✅ Less competition
✅ Fewer bidding wars
✅ More room to negotiate
✅ Better opportunities on properties sitting longer on the market

While others focus on fear, strategic buyers focus on value and long-term potential.

The key is understanding the market, having the right finance strategy, and acting when opportunities appear.

Thinking about your next investment move? Loanfi is here to help you navigate the market with confidence. 🏡

08/05/2026

🏡 𝐓𝐡𝐢𝐬 𝐢𝐬 𝐖𝐡𝐞𝐫𝐞 𝐚 𝐅𝐢𝐫𝐬𝐭 𝐇𝐨𝐦𝐞 𝐁𝐮𝐲𝐞𝐫 𝐅𝐚𝐢𝐥𝐬

Buying your first home is exciting—but it’s also one of the biggest financial decisions you’ll ever make.

Here’s a perspective many first home buyers overlook:
Buy your first home like it’s an investment.

You don’t need complex analysis. Just ask yourself one simple question:
“Would this property be in demand if I ever had to sell or rent it out?”

If the answer is yes, you’re already on the right track.

Properties with strong demand tend to perform better over time. That means a higher chance of building equity—equity that could help you upgrade or even purchase your next investment property down the track.

As a mortgage broker, I’ve seen many first home buyers jump in emotionally without thinking about the future. While that excitement is natural, combining emotion with strategy can truly supercharge your property journey.

If you’d like more insights like this or need guidance on your first purchase, feel free to reach out.

📞 Phone: 0452572960
📧 Email: [email protected]

29/04/2026

🎉 𝐂𝐨𝐧𝐠𝐫𝐚𝐭𝐮𝐥𝐚𝐭𝐢𝐨𝐧𝐬 𝐭𝐨 𝐨𝐮𝐫 𝐰𝐨𝐧𝐝𝐞𝐫𝐟𝐮𝐥 𝐜𝐥𝐢𝐞𝐧𝐭𝐬 𝐨𝐧 𝐭𝐡𝐞 𝐬𝐮𝐜𝐜𝐞𝐬𝐬𝐟𝐮𝐥 𝐬𝐞𝐭𝐭𝐥𝐞𝐦𝐞𝐧𝐭 𝐨𝐟 𝐭𝐡𝐞𝐢𝐫 𝐯𝐞𝐫𝐲 𝐟𝐢𝐫𝐬𝐭 𝐡𝐨𝐦𝐞! 🏡🔑

A dedicated Disability Support Coordinator and Disability Support Worker have achieved an incredible milestone and are now officially settled into their new home.

✨ 4 Bedrooms
✨ 2 Bathrooms
✨ 2 Car Spaces
✨ 899m² Block
✨ Beautiful Family Home

Thank you for placing your trust in Loanfi Finance & Mortgage to be part of your homeownership journey. We’re honoured to help make your dream a reality.

Wishing you many happy memories in your new home! 🏠💙

Loanfi Finance & Mortgage

06/06/2026

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25/05/2026

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29/04/2026

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