Mortgage and Lending Space Pty Ltd

Mortgage and Lending Space Pty Ltd We deliver tailored finance solutions across property,business and complex lending

29/05/2026

With the latest Federal Budget introducing multiple policy changes across tax, superannuation, and investment settings, one area has remained completely untouched — Self‑Managed Super Funds (SMSFs). This stability has made SMSF lending one of the most attractive segments in the current market.
Across both residential and commercial SMSF lending, non‑bank lenders are stepping forward with:

Sharper interest rates
More flexible servicing models
Stronger appetite for specialised assets (including residential, commercial, and high‑yield residential such as rooming house and NDIS )
Faster turnaround times compared to major banks

If you’re considering an SMSF refinance or a new SMSF property purchase, I’m here to help you understand your options and compare lenders across the market. Feel free to reach out for a confidential discussion.

SMSF # Competitive rates # non bank lenders #

22/05/2026

FHG and FHOG schemes

07/05/2026

Instant Asset Write‑Off is back for 2025–26.
Assets under $20k. Multiple claims allowed. Installed by 30 June 2026.
If you’re thinking about equipment, tech or vehicle purchases, the right finance strategy can make a big difference — and in many cases, it creates a double benefit in your profit and loss:
✔ Immediate deduction under the write‑off
✔ Plus the ability to spread the cash outlay through finance
A smart way to strengthen cashflow and reduce taxable profit.
If you’d like to discuss your financing options, reach out — happy to help.

05/05/2026

With today’s 0.25% p.a. RBA cash rate increase, many homeowners will feel the impact on their repayments. This is a good time to review your current rate, explore refinancing options, or restructure your loan to ease repayment pressure.

If you’d like a confidential and friendly conversation about how I can assist, you’re welcome to contact me by email or mobile at a time that suits you.

23/04/2026

Overtrading restructure

Are You Overtrading Without Realising It?
Overtrading happens when a business grows faster than its cashflow can support — and it’s one of the most common reasons profitable businesses feel constant pressure.

Key warning signs:
• Cash is tight despite strong revenue
• Struggling to pay suppliers, wages or ATO on time
• Overdrafts constantly maxed out
• Owners injecting personal funds
• Delays in delivering work due to lack of resources
These are all signs your working capital isn’t keeping up with your growth.

What’s really going on?
Often it’s because the business is scaling quickly or short term funding has been used to purchase long term assets like PPE — leaving no liquidity to run day to day operations.

Where to look first
A good broker will always start with your balance sheet.
Your current assets, current liabilities and debt structure will tell the real story — instantly.

If you need to review or restructure your funding
Give me a call or send an email.
The right structure can turn cashflow strain into sustainable growth.

17/04/2026

Profit and Loss #

10/04/2026

Payday Super # Debt Options

From 1 July 2026, employers must pay super every time they run payroll. Weekly payroll = weekly super. Fortnightly payroll = fortnightly super. No more quarterly buffer.

And this change is landing at the same time businesses are already dealing with:
📈 Higher material and commodity prices
📈 Rising fuel and freight costs
📈 Supplier price increases
📉 Margin compression
📉 Slower customer payments

For many SMEs, this means a double cashflow squeeze — higher costs going out, and super needing to be paid immediately.
Industries feeling it the most include:
• Construction
• Trades
• Hospitality
• Retail
• Transport
• Logistics
• Manufacturing and
• Agriculture

💡 The good news: There are smart funding options to help you stay compliant and protect your cashflow

✔ Working Capital Loans Smooth out payroll cycles and cover short-term cash gaps created by more frequent super payments.
✔ Business Overdrafts Flexible access to funds when expenses spike or revenue slows.
✔ Invoice Finance Unlock cash tied up in unpaid invoices so you’re not waiting 30–60 days to pay wages and super.
✔ Equipment Finance Free up cash by financing new equipment instead of paying upfront — or refinancing existing assets.
✔ ATO Debt Refinancing Move expensive, non deductible ATO debt (with interest around 11% p.a.) into more manageable, deductible business lending.
✔ Property Backed Loans For directors who own property, this can provide lower rate funding to stabilise cashflow.

If you want to understand how Payday Super will impact your business — and what funding options can support you — I’m here to help you get ahead of the change.

09/04/2026

ATO debt payment options # # Business Owners # #

03/04/2026

🏡 Pre-Approval Isn’t Always What You Think
Not all home loan pre-approvals are created equal—and this misunderstanding can cost you big time.

✅ Assessed Pre-Approval
This is the real deal. Your lender has verified your income, expenses, liabilities, and credit history. It’s been properly assessed, giving you genuine confidence when making an offer or bidding at auction (subject to conditions like valuation).

⚠️ Unassessed Pre-Approval
This is not fully verified. It’s based on unconfirmed information and hasn’t gone through a formal credit assessment. It may look like approval—but it’s not guaranteed.
Of course! you will get this within a day or in few minutes!!!

🚨 Why this matters
Walking into an auction with an unassessed pre-approval is risky. If your loan is later declined, you could lose your deposit and face serious financial consequences.
Even if you’re a straightforward PAYG applicant, without proper verification, there are still no guarantees.

💡 The smart move
Before you rely on any pre-approval, ask your broker:
👉 “Is this pre-approval assessed or unassessed?”

That one question could save you from a costly mistake.
and Lending Space

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Endeavourhills Vic
Endeavour Hills, VIC
3802

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