FutureSett Mortgage Broking

08/06/2026

Negative gearing changes have many property investors asking the same question.

"Should I just buy my next property through my SMSF instead?"

Maybe.

Maybe not.

One thing many people don't realise is that negative gearing is still available within a Self Managed Super Fund.

But that doesn't automatically make it the right move.

In fact, one of the biggest mistakes I see is people trying to force an SMSF strategy to work because they've heard a few tax benefits and think it's the obvious next step.

Property inside super is a completely different game.

More rules.

More compliance.

Less flexibility.

And often much bigger consequences if you get it wrong.

Just because you can buy a property through an SMSF doesn't mean you should.

Before anyone even starts looking at properties, I believe they need three green lights:

→ A financial adviser who understands SMSFs

→ An accountant who specialises in SMSFs

→ A broker who understands SMSF lending

Notice I didn't say "your accountant."

I said an accountant who specialises in SMSFs.

It's a bit like needing heart surgery.

You wouldn't ask your GP to perform the operation.

They're both doctors.

But one specialises in that area.

SMSFs are exactly the same.

The right team matters.

A lot.

Once those three professionals are aligned, then it's time to start looking at opportunities.

And even then, I believe having the right buyer's agent can make a huge difference.

Someone who works alongside the team.

Someone focused on your long term outcomes.

Someone who isn't simply trying to sell the next project.

Because SMSF property investing isn't about accumulating properties.

It's about building a retirement strategy.

The best SMSF property purchases I've seen weren't rushed.

They were planned carefully.

The clients understood the short term benefits.

They understood the risks.

And they understood how the strategy fitted into their long term goals.

That's what good advice looks like.

Thinking about buying property through your SMSF?

Start with the team first.

The property comes second.

Want that kind of clarity and momentum from the start?

👉 Book your first finance call here.
https://futuresett.as.me/my-first-finance-call

What's the biggest question you have about buying property through an SMSF?

05/06/2026

⭐️⭐️⭐️⭐️⭐️ Another 5-Star Review!

One of the most rewarding parts of what I do is helping clients build wealth over time, not just arranging a single loan.

When I first worked with Stephen, we helped him secure his first SMSF property purchase. Since then, we've continued to work together as his investment strategy has evolved.

Most recently, we helped refinance his property portfolio, release equity, and secure finance for his next investment property purchase through a trust structure—all while navigating a busy schedule and keeping the process as smooth as possible.

Property investing isn't about one transaction. It's about having the right strategy, structure, and finance in place as opportunities arise.

A huge thank you to Stephen for his continued trust and support. It's been a privilege to be part of the journey so far, and I'm excited to help with the next chapter.

Use the link below to book a call with Adam today 👇

👉 https://futuresett.as.me/my-first-finance-call

04/06/2026

https://www.linkedin.com/posts/adam-stephenson-mortgage-broker-61028b22_rent-money-is-not-always-dead-money-but-activity-7468207662925553664-6eVx?utm_source=share&utm_medium=member_desktop&rcm=ACoAAASrDawB6FU-k2SIUwJYZvmvddJwpf3T59U

FutureSett Mortgage Broking Pty Ltd "The biggest thing, who do i trust to help me?"

03/06/2026

The property investing landscape is changing quickly.

I recently sat down with Gianni Musumeci from Leverage Property Advisors to discuss the impact of the recent Federal Budget changes, negative gearing uncertainty, borrowing capacity, rentvesting, SMSFs, trusts, and why strategy should always come before property selection.

One of the key themes throughout the discussion was this:

Property should support your goals, not become the goal.

Whether you're buying your first investment property or building a portfolio, understanding the "why" behind your decisions has never been more important.

🎥 Watch the full discussion on YouTube:

https://youtu.be/VX3K7rofmb0

If you'd like to discuss your own lending strategy, borrowing capacity, SMSF lending options, or future property plans, you can book your first strategy call below:

📅 https://futuresett.as.me/my-first-finance-call

A big thank you to Gianni Musumeci and the team at Leverage Property Advisors for hosting this recent podcast. It was a lot of fun and always great catching up with someone who genuinely puts strategy and client outcomes first.

Gianni Musumeci:
https://www.linkedin.com/in/gianni-musumeci/

Leverage Property Advisors:
https://leveragepropertyadvisers.com.au/

What's the biggest challenge you're seeing in today's property market?

02/06/2026

Sometimes the best financial decision is to stop making decisions for a while.

I had a conversation recently with a client who was trying to juggle:

→ Selling their home
→ Buying interstate
→ Changing jobs
→ Refinancing investment properties
→ Managing family commitments
→ And navigating the uncertainty created by the recent Federal Budget changes

Every week there was a new spreadsheet.

A new scenario.

A new "what if".

At first glance it looked like a finance problem.

It wasn't.

It was a pressure problem.

The reality is that when too many moving parts collide at once, even smart people can find themselves overwhelmed.

Eventually they decided to hit pause.

Not forever.

Just long enough to breathe.

To take a holiday.

To stop checking property listings every hour.

To stop feeling like every decision had to be made immediately.

Interestingly, once the pressure came off, the path forward became much clearer.

One of the most overlooked parts of financial planning is timing.

Just because you can do something today doesn't mean you should.

Sometimes the best move is:

→ Gather more information
→ Let the dust settle
→ Focus on what you can control
→ Then make your next decision from a position of clarity, not stress

I've found that the clients who make the best long term decisions are rarely the ones moving the fastest.

They're the ones who understand that wealth building is a marathon, not a series of emergency sprints.

Want that kind of clarity and momentum from the start?

👉 Book your first finance call here.
https://futuresett.as.me/my-first-finance-call

Have you ever made a better decision simply because you gave yourself more time to think?

02/06/2026

Most people think a mortgage broker’s job is to get them a loan. It’s not. A loan is just the transaction. The real value is helping you use debt strategically. In a recent podcast conversation with Adam Stephenson - Mortgage Broker from FutureSett Mortgage Broking Pty Ltd, we spoke about the di...

21/05/2026

⭐️⭐️⭐️⭐️⭐️ Another 5-Star Review!

Helping people to navigate the property journey is about so much more than just securing finance.

For Sarah and James, this was their very first property purchase in Australia — and while having the right lending strategy is critical, it’s also about having someone in your corner to help make sense of the entire process.

From working alongside buyers agents and solicitors to helping them feel confident in the decisions they were making, for myself (Adam) and the FutureSett team we were very proud to support them every step of the way.

Huge congratulations again to Sarah and James on this exciting milestone!

Use the link below to book a call with Adam today 👇

👉 https://futuresett.as.me/my-first-finance-call

19/05/2026

⭐️⭐️⭐️⭐️⭐️ Another Amazing 5-Star Review!

Helping James & Sarah secure their first investment property was a fantastic journey — bringing together the right strategy, expert guidance, and a collaborative team approach to support their long-term goals.

From buyer agents to financial planning and accounting, every angle was considered to help set them up for future growth and success.

At FutureSett, we are passionate about helping busy families make confident property and finance decisions with clarity and support every step of the way.

Use the link below to book a call with Adam today 👇

👉 https://futuresett.as.me/my-first-finance-call

17/05/2026

Not every SMSF property strategy should proceed.

And that’s okay.

Last week I worked on a live scenario with:
→ a client
→ an accountant
→ a financial adviser
→ a buyer’s agent
→ and our broking team

On paper, the idea sounded reasonable:
Use super to purchase an investment property through an SMSF.

But once the full team unpacked the situation, the bigger picture became more important than the transaction itself.

The client wanted:
→ limited funds rolled into the SMSF
→ no additional personal contributions
→ existing super contributions to remain outside the SMSF
→ the property to be completely self sufficient from day one
→ low risk
→ and strong long term growth potential

Individually, those goals are understandable.

Combined together?

They created very tight servicing, cash flow and asset selection constraints.

The financial adviser raised concerns around:
→ long term retirement outcomes
→ ongoing fund sustainability
→ whether the property would genuinely outperform alternative investments
→ and the margin for error over the next 15+ years

The buyer’s agent weighed in on the realities of sourcing quality assets within the target budget.

The accountant looked at the broader financial position and future flexibility.

And from a lending perspective, the structure itself became increasingly difficult to justify without compromising the client’s overall position.

So instead of forcing a deal through…

The recommendation was to pause.

No rushed purchase.
No “let’s just make it work.”
No pressure.

Just honest conversations and proper collaboration.

That’s how SMSF strategy should work.

Sometimes the best advice is:
→ not yet
→ wait
→ reassess later
→ strengthen the position first

A good broker shouldn’t just help you buy property.

They should help you understand whether buying property is actually the right move in the first place.

Because long term retirement outcomes matter more than short term transactions.

Thinking about using your super to invest in property?

Make sure you have:
→ a broker
→ a financial adviser
→ an accountant
→ and the right property guidance

All working together.

That’s where clarity and confidence come from.

Want that kind of clarity and momentum from the start?

👉 Book your first finance call here.
https://futuresett.as.me/my-first-finance-call

What do you think is missing most in finance today:
More transactions… or more honest conversations?

14/05/2026

The property game just changed again.

And this time, it’s bigger than rates.

Following the latest Federal Budget:

→ Negative gearing changes
→ Capital gains tax changes
→ Increased pressure on property investors
→ Higher focus on cash flow and long term holding costs

One thing is becoming very clear:

Buying property without a proper strategy is getting riskier.

This is exactly why we’ve always focused heavily on cash flow planning at FutureSett.

Not just:
“Can we get the loan approved?”

But:

→ What does the full picture actually look like?
→ What happens if rates rise again?
→ How sustainable is the portfolio long term?
→ Where is money really going each month?
→ Are annual and irregular costs actually being factored in?
→ Is the accountant, broker and financial adviser aligned?

Most people underestimate how important this is.

And most people don’t truly know their underlying spending position.

That’s why we built our own internal cash flow analysis system.

We analyse spending literally down to the dollar.

→ Living expenses
→ Property holding costs
→ Discretionary spending
→ Annual expenses
→ Quarterly expenses
→ Transfers and non living expense items
→ Multi account transaction analysis

The goal isn’t to judge spending.

The goal is clarity.

Because once you understand the real data, decision making becomes significantly easier.

And right now, strategy matters more than ever.

Not just for seasoned investors.

For first home buyers too.

The people who build strong property positions over the next 5–10 years won’t just be the people who got “the cheapest rate”.

They’ll be the people who built the right team around them and made smart long term decisions early.

👉 Book your first finance call here.
https://futuresett.as.me/my-first-finance-call

Question:

Do you think most property investors truly understand their real cash flow position?