JT Home Loans

02/06/2026

**Today is the day - push up king for mental health**

I'm doing 3,307 push-ups in 24 days as part of The Push-Up Challenge to raise awareness and funds for mental health in Australia.

This target represents the 3,307 people who died by su***de in Australia in 2024 (the most recent stats).

You can push for better mental health too by donating to my fundraising page and supporting this important cause: www.thepushupchallenge.com.au/fundraisers/joshuatrevitt/the-push-up-challenge

Funds raised will go to Lifeline to support much-needed mental health services and initiatives in Australia. Any donation, big or small, is really appreciated! If we can get another $1070 we can reach our target of supporting 51 people through the groups donations. If 107 people here can put $10 in that’s all it takes.

Already 40 push ups in today with training to come I’ll easily eclipse more than 100 today

Help raise funds for much-needed mental health services and initiatives by donating to my page. I’m completing The Push-Up Challenge to support this great cause and would love your help to reach my fundraising target.

26/05/2026

INVESTOR MARKET TROUBLES

Banks have already begun cutting investor borrowing capacity overnight, in some cases by $300k–$400k, as they remove negative‑gearing tax benefits from their calculators following the Federal Budget. Pre‑approvals are no longer reliable, and some borrowers are being caught mid‑transaction.

1. Pre‑approvals are no longer safe
Brokers are warning investors not to rely on pre‑approvals issued before the Budget.
One client with an $800k pre‑approval bought at auction, only for the bank to revise their lending down to ~$500k the next day — a $300k reduction.

This is happening after contracts are signed, creating real settlement risk.

2. Banks are removing negative‑gearing benefits from calculators
Lenders are adjusting serviceability models to reflect the Budget’s removal of negative gearing for established properties.

Macquarie’s calculator example:
A high‑income couple lost $405,530 in borrowing capacity overnight when tax‑deductibility inputs were removed.

Another broker reports a 20% reduction in borrowing power for investors once negative gearing is excluded.
Example: A rentvestor earning $100k drops from $750k → $600k borrowing capacity.

3. The changes are happening before legislation passes
Banks are acting on the assumption that Budget measures will pass Parliament.
Macquarie and Westpac have already changed settings; CBA, NAB, and ANZ are reviewing.

This means investor borrowing power is tightening now, not in 2027.

4. The risk window is “uncertain and moving quickly”
Brokers quoted in the article emphasise:

Borrowing capacity can be cut in half overnight

Investors should not rush into auctions

Lenders may continue adjusting calculators as policy details evolve.

https://au.finance.yahoo.com/news/property-investors-warned-as-banks-cut-borrowing-power-overnight-i-dont-think-people-realise-013300344.html?guccounter=1

24/05/2026

Anyone keen to make a team for this? We do plenty of this in training so it’s really an extension of those exercises and helps raise funds for mental health. Love to make a team for this and help each other through the 24 day challenge - 3307 is the number of people lost to su***de in 2024 and that is the number we are looking to acheive.

I’m completing The Push-Up Challenge to level up mental health in Australia and would love your help to reach my fundraising target.

All funds raised will support much-needed mental health services and initiatives in Australia. https://www.thepushupchallenge.com.au/s/728117/1053991/w

Help raise funds for much-needed mental health services and initiatives by donating to my page. I’m completing The Push-Up Challenge to support this great cause and would love your help to reach my fundraising target.

12/05/2026

ANOTHER ALBANESE/CHALMERS BLUNDER

Yet again people are impacted negatively from the Albanese Governments mismanagement in spending too much yet again - what the CGT and NG reforms could mean if passed in parliament

1. Major Tax Reform Locked In
Treasurer Jim Chalmers has confirmed that the 2026 Federal Budget will include significant changes to:

Capital Gains Tax (CGT)

Negative Gearing (NG)

These reforms are now formally part of the government’s fiscal plan.

2. CGT Discount Reduction
The 50% CGT discount for individuals will be reduced to 40%.

Applies to assets purchased after 1 July 2026.

Existing assets are grandfathered and keep the 50% discount.

Aimed at “fairness” and “budget sustainability,” according to the article.

3. Negative Gearing Restrictions
Negative gearing will be limited to newly built properties.

Investors purchasing established dwellings after 1 July 2026 will no longer be able to claim NG deductions.

Existing negatively geared properties remain untouched (grandfathered).

Government frames this as a housing supply measure.

4. Industry Reaction
Property and investment groups warn the changes could:

Reduce investor demand

Tighten rental supply

Increase pressure on rents

The article notes strong criticism from industry bodies who argue the reforms may “hurt the market more than help it.”

5. Political Framing
The government positions the reforms as part of a broader affordability strategy.

The Opposition has signalled it will challenge the changes.

05/05/2026

RBA take rates up another 0.25%

02/05/2026

Nicola & Elyse are absolutely setting the standard right now.

They’ve just secured a knock-down rebuild for their future family home — a move that takes vision, patience, and real confidence in the long game. While many are sitting on the sidelines waiting for “perfect” conditions, these two are leaning in, making smart, calculated decisions, and backing themselves.

What stands out most is their mindset. They’re not chasing short-term wins or getting caught up in market noise — they’re building something meaningful for their future. That’s what strategic investing really looks like.

In tougher times, it’s easy to hesitate. But this is exactly when disciplined, forward-thinking decisions can create the biggest opportunities.

Proud to be part of the journey with you both — exciting times ahead as this next chapter comes to life 🏡

23/04/2026

17/04/2026

If the cash rate rises to 4.35 per cent in May, an owner-occupier with a $600,000 mortgage would see increased repayments by $91 a month, according to Canstar – taking total increases across this year – February, March & May – to $272 a month, or about $3,264 extra per year.

Aussies are bracing for a third straight rate hike in weeks, but the RBA has issued a grim warning about what comes after.

14/04/2026

🏡✨ Huge Congratulations to Danny & Natalie! ✨🏡

What an incredible milestone, buying your very first home. Stepping into the property market isn’t always easy, but these two took it on with confidence, patience, and a whole lot of determination. Now they’ve got the perfect place to start building memories that will last a lifetime.

Seeing first‑home buyers achieve their dream never gets old. If you’ve been thinking about taking that step yourself, now is a great time to explore your options. With the right guidance, the process can be smoother and far more achievable than you might expect.

At JT Home Loans, I’m here to help you understand your borrowing power, navigate the process, and make your own home‑ownership story a reality.

🌟

31/03/2026

Some great news for shoppers and a blow to banks and their veiled push for cashless societies as fees will disappear - watch this space

: The Reserve Bank has confirmed surcharges on credit and debit card payments will be banned from October 1.

The move will save consumers an estimated $1.6 billion a year in fees.

DETAILS: https://nine.social/16K9