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.

10/07/2026

Major changes are coming to SMSF residential property lending.
From 10 August 2026, SMSFs will generally no longer be able to use an LRBA to purchase residential property.

The good news? This doesn't mean the end of SMSF property investing. Existing loans, commercial property lending and cash-funded residential purchases remain available.

Our latest blog explains:
✔️ What has changed
✔️ The important deadline
✔️ What hasn't changed
✔️ The opportunities that remain

Read about it here: https://pclmoney.com.au/blog/2026/07/the-smsf-property-countdown

If you're considering purchasing property through your SMSF, now is the time to understand what these changes mean for your lending options.

Proposed changes to SMSF residential property lending have been announced on Wednesday as part of a deal to pass the Fed...
25/06/2026

Proposed changes to SMSF residential property lending have been announced on Wednesday as part of a deal to pass the Federal Budget legislation through the Senate.

Under the proposal, SMSFs would no longer be permitted to use Limited Recourse Borrowing Arrangements (LRBAs) to purchase residential property. Existing arrangements would be exempt, and a transition period is proposed for investments already in progress.

Commercial SMSF property remains unchanged.

This is a developing story and the legislation is yet to be finalised. We will continue to monitor the details and provide updates as more information becomes available.

The RBA has left interest rates on hold for the first time in 2026 following three rate rises this year.With four RBA me...
16/06/2026

The RBA has left interest rates on hold for the first time in 2026 following three rate rises this year.

With four RBA meetings remaining, the outlook for interest rates remains uncertain.

If you're considering a purchase, refinance or would like to review your current lending arrangements, feel free to get in touch.

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

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Fairy Meadow, NSW
2500

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