Lendsense Finance

14/06/2026

Great turnout last Monday with 104 attendees registered at our Gold Coast Budget Insights event. I was very honoured to be included to share potential impact on Commercial lending, Business owners and investors.

Appreciate the great support from three major banks and special thanks to Leon Rebello MP for some insights from Canberra.

Big thanks to Damien Moffrey from Right Business Advisory for the initiatives, and Christie Perrin from GWEN Creative for amazing efforts organising the night and Jon Prestage from Prestage Media capturing the night. We could not get it done without the other panelists involvement either.

Want to understand how the budget impacts your business or investment strategy? Reach out to Lendsense Finance.

10/04/2026

At Lendsense Finance, we’re seeing many SMSF investors still paying 7%+ on residential loans and 7.5%+ on commercial loans.
If that sounds like you, it’s the perfect time for a lending review. We’ll assess your current structure and see where we can help reduce your costs.
Your SMSF deserves better — let’s explore your options.

17/02/2026

Happy Lunar New Year! 🧧🐎

Wishing you and your loved ones a joyful, prosperous start to the Year of the Horse.
新春快乐 · 恭喜发财!
May this year bring you strength, momentum, and new opportunities.
If 2026 is the year you plan your next step, we’re here to help.
#新春快乐

04/02/2026

Impact of the RBA’s 0.25% Cash Rate Increase on Australian Households (3 Feb 2026)
The Reserve Bank of Australia has lifted the cash rate by 0.25%, marking the first increase in two years. This change flows through to home loans, business lending, and investment finance, and households should be prepared for several practical impacts.

1. Household Budget
Mortgage repayments will rise as lenders pass on the rate increase.
For example, a $500,000 home loan is likely to see repayments increase by around $80 per month.
Households should review their budgets and make room for higher loan costs, especially with broader living expenses still elevated.

2. Borrowing Capacity
Anyone who recently completed a borrowing capacity assessment should revisit it.
Banks calculate borrowing power using higher “stress test” rates, so even a small cash‑rate rise can reduce how much you can borrow.
If you’re actively searching for a property, it’s important to confirm your borrowing capacity is still accurate before making offers.

3. Small to Medium Business Owners
Businesses with commercial loans — or owners who also hold personal mortgages — will feel additional pressure on cash flow.
Higher repayments can affect day‑to‑day liquidity, so it’s wise to review loan facilities, repayment schedules, and overall financial structure to ensure commitments remain manageable.

4. Property Investors
Investors with multiple properties should reassess whether rising interest costs still align with rental yields.
Reviewing loan structures, refinancing options, and portfolio performance can help ensure your investment strategy remains sustainable as rates move higher.

30/01/2026

30/01/2026

Health and Wealth: The Twin Engines of a Fulfilling Life.

For many of us, the new year brings a renewed focus on what matters most. For me, that's the inseparable partnership of health and wealth. Both are foundational, and both demand the same core ingredient: consistency.

This truth hit home as my Training Beaches and Lendsense Finance squads resumed our routines. The commitment is clear: show up, even on the days you don't feel your best. The discipline required to build physical resilience is exactly the discipline required to build financial resilience.

Your wealth journey deserves the same conscious effort. It requires understanding the landscape, regularly checking your position, and making deliberate adjustments to stay on course.

Consider this your financial health check:

· When did you last review your home loan or investment loans?
· Have you consulted a specialist about your financial goals, the gap to achieve them, and the actionable steps to get there?
· Are your financial decisions informed, or are they on autopilot?
· Are there lingering financial challenges in your business you’ve yet to address?
· Is your business rent climbing with CPI without consideration of alternatives?
· Does your investment portfolio have a healthy balance across asset classes?
· Are your annual business facility reviews truly necessary, and are those facilities optimally structured?

If these questions highlight an area for focus, you don't have to navigate it alone. For a conversation to help streamline your strategy and align your actions with your goals, please reach out.

Junli Zhao
Principal Broker - Lendsense Finance
Mobile: 048 128 0273
Email: [email protected]

13/01/2026

Trust Structure Borrowing – Buying Property Through a Trust

Many clients ask whether purchasing property through a trust is the right strategy. There are several well-known benefits that make trust structures appealing, including:
✔️ Asset protection
✔️ Tax planning opportunities – such as land tax considerations and the ability to distribute income to beneficiaries
✔️ Perceived stronger borrowing power (though this isn’t always the case, as most lenders do not apply negative gearing benefits to trust loans)

That said, we always recommend seeking professional advice from both an accountant and a solicitor before deciding which entity to use when purchasing property.

It’s equally important to understand how a trust structure can impact your borrowing capacity.

Since October 2025, a number of Tier 1 and Tier 2 lenders have either exited or significantly tightened trust lending for residential properties. Some of the key changes we’re seeing include:
🔹 Loan-to-value ratios reduced from the typical 80% to as low as 70%
🔹 Higher interest rates due to additional buffer margins applied
🔹 More restrictive lending policies – including support only for existing trust clients (typically with trust loan facilities in place for over six months), and in some cases, refusal to accept PAYG income as the predominant source of income

Overall, there has been a clear shift in lender appetite for trust borrowing. That said, there are still lenders in the market currently supporting trust structures.

If you already have trust lending in place or are considering purchasing property under a trust, feel free to reach out. At Lendsense Finance, we’re happy to review your position and provide clear guidance on how these changes may affect your borrowing power.

02/01/2026

✨ Happy New Year from Lendsense Finance! ✨

As we step into the New Year, we’d like to thank our clients, partners, and community for your trust and support. Helping you achieve your property and financial goals is what drives us every day.

Here’s to new opportunities, smarter lending solutions, and continued success together in the year ahead. 🏡📈

Wishing you a prosperous and rewarding New Year!
— Lendsense Finance