Rick Peng - Mortgage Broker - Straddle Finance

Rick Peng - Mortgage Broker - Straddle Finance Rick Peng is a credit representative (429614) of BLSSA Pty Ltd ACN 117 651 760 (Australian Credit Licence 391237)

23/05/2026

Is negative gearing actually dead? 🛑 Let’s look at the numbers.

There’s a massive wave of panic out there about the 2026 Budget, but the reality is a lot different for smart investors. While writing off established property losses against your salary is restricted, the framework introduces a powerful incentive: Portfolio Netting.

Here’s a quick math example:
📈 Property 1: +$20,000 (Taxable Profit)
📉 Property 2: -$15,000 (Net Rental Loss from an Established Purchase)
➡️ The Result: The ATO allows you to pool these. Your final taxable net rental income drops to just +$5,000.

The Real Winners here? Existing property owners who already hold positively geared assets. The new framework gives you a massive green light to keep acquiring established properties because your portfolio can absorb the losses straight away.

The strategy hasn't changed—it’s just moved from a single-asset wage subsidy into an interconnected portfolio play.

💬 What are your thoughts on the new pooling rules? Let’s chat in the comments below.

👇 Make sure to save this post and follow along for Part 2, where I'll map out how depreciation interacts with this exact setup!

21/05/2026

A typical working day. ✨


Government spending is at its highest level in 40 years — now consuming around 23% of GDP, up from a low of just 17.5% a...
05/05/2026

Government spending is at its highest level in 40 years — now consuming around 23% of GDP, up from a low of just 17.5% a decade ago.

Unlike the COVID spike, this time spending isn't coming back down. And when governments spend persistently at this level, it keeps inflation sticky and interest rates higher for longer.

The bill for big government is showing up in your interest rate.

📊 Source: Morgan Stanley Research

🏡💛 Financing Your Tiny Home Dream? Let’s Talk!So you want a tiny home — the Pinterest-y one with the timber deck, loft b...
03/12/2025

🏡💛 Financing Your Tiny Home Dream? Let’s Talk!

So you want a tiny home — the Pinterest-y one with the timber deck, loft bed and just enough room for your plants and your sanity.
LOVE that for you. 🤌

But here’s the truth no one tells you…
Not every bank is tiny-home-friendly.

Some lenders look at a tiny home and go:
“Cute. But no.” 😬

Others? They’re obsessed.

They get it. They believe in small space, big life energy. ✨
And yes, we know exactly who those lenders are.

💰 The good news?

There are ways to finance your tiny home dream:
✔️ Personal loan structures
✔️ Secured lending
✔️ Equity release
✔️ Construction + prefab options
✔️ Specialist tiny-home lenders

No judgement. No confusion. No “but is it a caravan?” questions.

🌟 Tiny home, big heart, smart finance.

If you’re planning to build, tow, plonk or permanently place your tiny home on land — we can break down your borrowing options and tell you which banks actually love tiny homes, and which ones are still recovering from their commitment issues.

🚐 Ready to go tiny (but live large)?

Send me a DM and we’ll map out your funding options and lender matches.
Your tiny home adventure deserves a big-brain finance plan. 💛

🚨 INVESTORS: Big APRA rule incoming that may impact your borrowingFrom Feb 2026, banks will be limited in how many “high...
02/12/2025

🚨 INVESTORS: Big APRA rule incoming that may impact your borrowing

From Feb 2026, banks will be limited in how many “high-DTI” loans they can approve.

🧮 What’s DTI?
It’s your debt-to-income ratio
👉 How much you owe vs how much you earn.
A DTI of 6 = your total debts are 6× your annual income.
Earn $100k? Debts around $600k = DTI 6. 🏠 Why this matters for investors

Banks can only approve a limited % of these high-DTI loans, and investors are most impacted because they often stack multiple loans.

This could mean:
✔️ tougher approval if you’re borrowing near your max
✔️ lenders becoming more selective
✔️ reduced borrowing power for some investor strategies

🧩 Who may NOT feel the squeeze?
Owner-occupiers or borrowers who aren’t stretching to the limit.

💡 Investor takeaway:
If you’re planning to expand your portfolio, refinance or gear up for another purchase, it’s worth checking where your DTI sits before you apply.

📣 Want clarity on your borrowing strategy going into 2026?
Book an investment strategy session with our team. It can make a big difference to your loan options.

🎄 “Festive Spending Alert!”The holidays are all fun and games—until the credit card bill lands. 😬 Making only minimum re...
01/12/2025

🎄 “Festive Spending Alert!”

The holidays are all fun and games—until the credit card bill lands. 😬 Making only minimum repayments might stretch your festive cheer into a long-term financial headache. Let’s skip the stress this year! Use this handy calculator to see how quickly you can tackle your credit card debt: https://www.straddle.com.au/calculators/

💡 Pro tip: A little planning now can save you heaps later.

"To be an investor you must be a believer in a better tomorrow.” — Quote by Benjamin Graham.
24/11/2025

"To be an investor you must be a believer in a better tomorrow.” — Quote by Benjamin Graham.

3 bedroom house in Lindfield that was passed in in auction with vendor bid at $3.1m. There was one bid at $3m.Interestin...
09/09/2023

3 bedroom house in Lindfield that was passed in in auction with vendor bid at $3.1m. There was one bid at $3m.

Interestingly, it was last sold in an auction in April 2023 for $2.85m

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69 Eton Road Linefield





05/09/2023

No Change to Cash Rate at 4.10%

Beautiful house in Roseville that was passed in at auction today with a vendor bid!Last sold in March 2006 for $2.625m.=...
02/09/2023

Beautiful house in Roseville that was passed in at auction today with a vendor bid!

Last sold in March 2006 for $2.625m.

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28 Bancroft Avenue Roseville




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Suite 201B, 3-9 Spring Street
Chatswood, NSW
2067

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