Manpreet S Natt - Golden Mortgage

05/06/2026

🚗 4 Things to Know About Car Finance Before EOFY 🚗

Thinking about buying a new car before the end of the financial year? EOFY is one of the busiest times for car sales, with plenty of deals and promotions available. Before you sign on the dotted line, make sure you understand these important car finance tips.

✅ 1. Dealer Finance Isn't Always the Cheapest Option
Dealer finance can be convenient, but convenience doesn't always mean value. Comparing car loan options before visiting the dealership could help you secure a more competitive interest rate and save money over the life of your loan.

✅ 2. Get Pre-Approved Before You Shop
A pre-approved car loan gives you a clear budget and puts you in a stronger negotiating position. Instead of focusing on repayments, you can concentrate on getting the best possible price on the vehicle.

✅ 3. Understand Balloon Payments
Some car loans include a balloon payment (also known as a residual payment) at the end of the loan term. While this can reduce your monthly repayments, it also means a larger amount will be payable later. Make sure you understand the full cost of the loan before committing.

✅ 4. Check Your Credit Score First
Your credit history plays an important role in car loan approval. Reviewing your credit report before applying can help identify any issues and improve your chances of securing finance.

💡 we can help you compare a range of car loan and vehicle finance options from multiple lenders, helping you find a solution that suits your needs before you step into a dealership.

Looking for refinancing | Car Loan | Personal Loan.
Get in touch today, We can help you.

Call me or Golden Mortgage on👇👇
📱 0468 428 286
📧 [email protected]

Credit Representative (CRN 545482) is authorized under Australian Credit License 384 324.
ABN-59 662 493 889
*Your complete financial situation will need to be assessed before acceptance of any proposal or product.

26/05/2026

Buy now, pay later (BNPL) services have become a popular way for Australians to pay for everyday purchases, from fashion and electronics to medical expenses and car repairs. To read more click the link below…

Buy now, pay later (BNPL) services have become a popular way for Australians to pay for everyday purchases, from fashion and electronics to medical expenses and car repairs. With fast approval, interest-free repayments, and easy access, BNPL can seem convenient for smaller purchases. But depending o...

15/05/2026

🏡✋5 ways to strengthen your home loan application

💸Lenders assess far more than just your income. Taking a few steps before you apply can make a real difference to your chances of approval.

✅Check your credit report – Look for errors, defaults or missed payments before a lender does.

✅Reduce unused credit card limits – Lenders assess cards at their full limit, not just the balance you carry.

✅Show consistent savings – Regular deposits into a savings account signal good financial habits.

✅Pay down existing debts – Car loans, personal loans and buy now, pay later balances all reduce your borrowing capacity.

✅Avoid new credit applications – Multiple enquiries on your credit file in a short period can raise concerns for lenders.

We can review your financial position and help you compare your options before you apply.

🏠🏡🏠Looking for Home Loan for your Family Home.
Let’s Get started. We can assist you to get right Home Loan that fit into your needs.

Let’s Talk📲
Manpreet Natt
📱 0468 428 286
📧 [email protected]
👨‍💻 www.goldenmortgage.com.au

15/05/2026

Federal Budget 2026: Property Investor Tax Changes 🏡

The Federal Budget has introduced major changes to negative gearing and capital gains tax (CGT) that property investors should understand.

What’s changing?

🔹 Negative Gearing
From 1 July 2027, investors buying established residential properties will no longer be able to use rental losses to reduce taxable income.

✅ Still allowed:
• Buying new build properties and claiming full negative gearing benefits
• Holding existing investment properties purchased before 12 May 2026 (Budget Night) under current rules

❌ No longer allowed for future established property purchases:
• Offsetting rental losses against salary or other personal income

🔹 Capital Gains Tax (CGT)
The current 50% CGT discount will be replaced from 1 July 2027 with a new system based on inflation indexation, alongside a 30% minimum tax on capital gains.

🏡What this means for investors
These changes may reduce the tax advantages of buying established investment properties, making cash flow, rental yield, and long-term growth strategy even more important when assessing an investment.

If you’re planning to buy an investment property, reviewing your structure and strategy before purchasing may be more important than ever.

10/05/2026

Happy Mothers Day🌷

05/05/2026

RBA UPDATE | Effective May 6, 2026

For its May meeting, the Reserve Bank of Australia (RBA) has raised the official cash rate by 0.25 per cent to 4.35 per cent, marking the third consecutive rate rise of 2026. The decision was narrowly split, with eight Board members voting to increase rates and one member voting to hold, highlighting growing concern about the balance between inflation and household pressure. This is the first time the cash rate has sat at 4.35 per cent since the period between November 2023 and February 2025.

According to the RBA, inflation remains uncomfortably high, with global risks – particularly the ongoing conflict in the Middle East – adding to energy costs and broader price pressures. At a household level, the decision has raised renewed concerns about affordability. Interim Finance Brokers Association of Australia CEO, Peter White warned, “I’m not an economist but it’s not rocket science that this affects lower income earners more than anyone else.”

Meanwhile, in the property market, Brisbane is quickly establishing itself as one of the world's most dynamic luxury property markets, driven by Olympic infrastructure investment, severe stock shortages and record levels of wealth creation. Looking ahead, Brisbane, the Gold Coast and Perth are tipped to be the topperforming luxury markets in 2027, with 2% growth forecast in prestige residential prices, according to the recent Knight Frank's Wealth Report.

If you're unsure how this change impacts your mortgage or borrowing capacity, a noobligation review with a mortgage broker is worth considering.

The RBA’s next meeting is scheduled for Tuesday, June 16.

25/04/2026

🌺🌺Anzac Day
We remember Heroes and what they gave for our tomorrow.

20/04/2026

What to look for at an Open Home And How to Know If You Can Afford It.
👉Helpful tips for when you are going for Open Home🏡

Discover 4 key things to look for at an open home, from property condition to borrowing capacity. Make smarter, more confident property decisions.

11/04/2026

👨‍💻🏡Planning to buy a property?

💸Your borrowing capacity plays a key role in how much you could afford. Lenders assess your income, expenses, debts and overall financial position, so small improvements could make a real difference.
👉Here are practical ways to strengthen your home loan application:

✅Reduce credit card limits- Lenders assess the full limit, not just what you owe. Lowering unused limits could increase your borrowing power.

✅Pay down existing debts- Car loans, personal loans and buy now pay later accounts could reduce how much you can borrow. Clearing these may improve your position.

✅Cut back on unnecessary spending- Lenders review your living expenses closely. Reducing subscriptions and discretionary costs could improve your serviceability.

✅Avoid applying for new credit- Multiple credit applications could impact your credit profile and borrowing capacity.

✅Build consistent savings- A strong savings history and buffer could show lenders you can manage repayments comfortably.

Reviewing your finances early could put you in a stronger position when it’s time to apply. A mortgage broker can help assess your situation and compare suitable loan options.

Need more information,

Get in touch today, We can help you, to explore your loan options and also help you, to calculate your borrowing capacity.

Call me or Golden Mortgage on👇👇
📱 0468 428 286
📧 [email protected]

Credit Representative (CRN 545482) is authorized under Australian Credit License 384 324.
ABN-59 662 493 889

*Your complete financial situation will need to be assessed before acceptance of any proposal or product.

04/04/2026

🏡 First Home Buyer Guide Australia: What You Need to Know Before Buying Property.

Buying your first home in Australia? Learn key costs, location tips, and finance strategies to make smarter property decisions before you buy.