Lisa Kemp - Mortgage and Finance Broker

Lisa Kemp - Mortgage and Finance Broker I’m passionate about helping people achieve home ownership and uncover savings on their loans.

I specialise in residential lending and can also assist with business, commercial and SMSF loan solutions — creating an easy, unified experience for my clients Lisa has many years experience in the finance industry, with a further background in commercial real estate. Lisa has a knack for converting complex mortgage talk into plain English for clients and enjoys the process of finding suitable loans that support the clients needs and financial goals.

ATO Debt Holding Your Business Back?You're not alone if tax debt has crept up over the past few years. Many otherwise su...
12/06/2026

ATO Debt Holding Your Business Back?

You're not alone if tax debt has crept up over the past few years. Many otherwise successful business owners are carrying ATO balances that are now affecting cash flow, borrowing capacity and future plans.

The good news? ATO debt doesn't always have to be managed through an ATO payment arrangement.

For some business owners, property equity may provide an opportunity to:
✓ Consolidate outstanding tax debt
✓ Potentially reduce ongoing interest and penalties
✓ Improve cash flow in some circumstances
✓ Explore alternative finance options

Every situation is different, and the right solution will depend on your individual circumstances.

If you're carrying ATO debt and would like to understand your options, contact the PCL Money team for a confidential discussion.

When people think about SMSF lending, they often picture a straightforward property purchase. However, some SMSF transac...
03/06/2026

When people think about SMSF lending, they often picture a straightforward property purchase. However, some SMSF transactions can become significantly more complex, particularly where specialised commercial properties, multiple entities, co-ownership arrangements or unique ownership structures are involved.

Over the years, we have explored some interesting scenarios involving:
• Multiple SMSFs purchasing commercial property together
• Tenants in common arrangements
• Unit trust structures
• Unequal ownership percentages
• Specialised commercial securities

One of the key lessons is that lender appetite can vary significantly from one institution to another. A structure that falls outside one lender's policy may be considered by another, making early discussions with brokers, accountants, solicitors and advisers particularly valuable.

I've put together a new article exploring some of the complexities that can arise in both residential and commercial
SMSF lending, together with the importance of obtaining appropriate professional advice.

Read the full blog here: https://pclmoney.com.au/blog/2026/06/understanding-complex-smsf-lending-structures

If you'd like to better understand the lending side of complex SMSF transactions, feel free to reach out.

The 2026 Federal Budget has introduced some of the biggest proposed property and investment tax reforms Australia has se...
13/05/2026

The 2026 Federal Budget has introduced some of the biggest proposed property and investment tax reforms Australia has seen in many years.

From negative gearing and CGT changes, through to discretionary trust reforms and housing infrastructure funding — there’s a lot for property owners, investors and first home buyers to unpack.
We’ve put together a simple overview of what was announced, what remains proposed, and what it could potentially mean moving forward.

Read the full blog here: https://pclmoney.com.au/blog/2026/05/the-2026-federal-budget-what-it-means-for-property-owners-investors-and-first-home-buyers

🏠 Redraw vs Offset — what’s the difference?They can both help reduce the interest you pay on your home loan, but they wo...
20/04/2026

🏠 Redraw vs Offset — what’s the difference?

They can both help reduce the interest you pay on your home loan, but they work in very different ways.
One sits inside your loan.
The other sits beside it.

Same goal — different structure, and often with different fees & interest rates.

We’ve broken it down simply here 👇
https://pclmoney.com.au/blog/2026/04/redraw-vs-offset-whats-the-difference

Thinking about building? Here’s what’s changing…Construction costs in Australia are rising again, driven by global event...
10/04/2026

Thinking about building? Here’s what’s changing…
Construction costs in Australia are rising again, driven by global events like the war in Ukraine and tensions in the Middle East.

👉 Materials and transport are getting more expensive
👉 Delays can cost more
👉 Some builds are being pushed back

It doesn’t mean you shouldn’t build—but it does mean planning and understanding your options is more important than ever.

If you’re unsure what this means for your situation, feel free to reach out for a chat.

🔗 Read more: https://pclmoney.com.au/blog/2026/04/australian-construction-in-crisis-rising-costs-rising-risk

Many parents say: "They don’t earn much, but I’ll just go guarantor."But a guarantor usually helps with a deposit shortf...
16/03/2026

Many parents say: "They don’t earn much, but I’ll just go guarantor."

But a guarantor usually helps with a deposit shortfall, not borrowing capacity.

With the average couple taking over 7 years to save a deposit in Sydney, it’s no surprise families are looking for ways to help.

This week’s blog explains how parental guarantors actually work.

🔗 Read more: https://pclmoney.com.au/blog/2026/03/parental-guarantors-what-they-are-and-what-theyre-not

Ever been told by one lender that you don’t qualify — but another gives a different answer?It often comes down to someth...
01/03/2026

Ever been told by one lender that you don’t qualify — but another gives a different answer?
It often comes down to something called a lender buffer rate.
Lenders assess your loan at a higher rate than your actual interest rate to make sure repayments would still be manageable if rates rise. Different lenders apply different assessment models, which can impact borrowing capacity.
We’ve broken it down in simple terms in this week’s blog — including why the 3% buffer exists and when it matters most.
If you’re considering purchasing or refinancing this year, it’s worth understanding.
👉 Read more here: https://pclmoney.com.au/blog/2026/03/understanding-lender-buffer-rates

Your credit score plays a key role in how lenders assess loan applications — yet many Australians aren’t quite sure how ...
22/02/2026

Your credit score plays a key role in how lenders assess loan applications — yet many Australians aren’t quite sure how it works, what affects it, or how long information stays on a credit report.

We’ve just published a new blog that breaks it all down in a clear, easy-to-understand way, covering:

✔ What a credit score is
✔ What impacts your score (and what doesn’t)
✔ How to check your score for free
✔ How long enquiries, defaults and BNPL stay on your file
✔ Whether you can borrow with a lower score
✔ Tips from Equifax & Illion on strengthening your credit profile

With credit scores becoming a bigger part of lending assessments, understanding yours can help you feel more confident when exploring finance options.

👉 Read the full article here: https://pclmoney.com.au/blog/2026/02/understanding-credit-scores-and-how-they-impact-you

If you’d like help understanding how your credit score may be viewed by lenders — or how it might influence a loan application — the PCL Money team is always here to help.

🏡 Australia’s Housing Market: 25 Years of GrowthDid you know the average Australian house has increased in value by arou...
15/02/2026

🏡 Australia’s Housing Market: 25 Years of Growth

Did you know the average Australian house has increased in value by around 560% since 2001? That’s from $210,000 to $1.18 million!
Our latest blog breaks down what this long-term growth means for you, whether you’re buying your first home, investing, or holding property in your SMSF. We cover:
• How property growth has varied across locations
• Why detached homes have generally outperformed apartments
• How supply shortages and population growth shape the market.

📞 Thinking about a new loan, refinancing, or reviewing your SMSF property lending strategy? Our team can guide you through your options.

🔗 Read more: https://pclmoney.com.au/blog/2026/02/how-much-have-australian-houses-increased-in-the-last-25-years
Source: Propertyology

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