SwiftLend Brisbane

17/05/2026

The Australian Federal Budget announced on 12 May 2026 introduces proposed changes that are expected to significantly impact the property market—particularly for investors.

Key measures relating to negative gearing and capital gains tax (CGT) could materially affect investment strategies and long-term returns.

One important concept to understand in this context is “grandfathering,” as it determines how these changes may apply to you.

What is grandfathering?

In simple terms, if you already own an investment property, you will generally retain the current tax benefits—such as negative gearing and CGT discounts—under the existing rules. The proposed changes are expected to apply primarily to properties purchased after the new legislation takes effect.

The illustration below outlines how these changes may impact different investors depending on when the property was acquired.

Disclaimer - This content is general information only and does not take into account your personal financial situation, objectives, or needs. It should not be considered financial or tax advice. You should seek independent advice from a licensed financial adviser, mortgage broker, or tax professional before making any investment or financial decisions.

30/04/2026

We’re so proud of the work we do — taking the time to truly understand each client’s needs before making a move is exactly what sets SwiftLend apart!

Thank you, Fahid, for your kind words!

10/04/2026

14/03/2026

What is DTI and why does it matter for home loans?

You may start hearing the term DTI (Debt-to-Income ratio) more often in the lending space.

DTI simply measures how much total debt you have compared to your gross annual income.
For example, if your income is $100,000 and your total debts (including your new home loan) are $500,000, your DTI is 5.

Recently, the Australian Prudential Regulation Authority (APRA) proposed a change where lenders will be limited in how many loans they can approve with a DTI of 6 or higher. These are considered higher-risk loans.

What does this mean for customers?

• Borrowing capacity may be slightly tighter for some borrowers
• High-debt loans will still be possible, but less common
• Having strong income and lower existing debts will become even more important

The good news is that every lender assesses applications differently. With the right structure and lender selection, there are still plenty of opportunities to secure the right home loan.

If you’re unsure how your DTI might impact your borrowing power, feel free to reach out for a quick chat.

13/03/2026

In 2022, I took a leap of faith and started SwiftLend with a simple goal — to genuinely help people navigate the often complex world of home loans and finance.

Like any new business, the journey came with its share of challenges, long hours, and plenty of learning along the way. But every client we helped and every settlement achieved reinforced why I started this journey in the first place.

Fast forward to 2025, and I’m incredibly grateful to have been recognised as the Rising Star of the Year within First Choice Finance Group. This milestone means a lot, not just as a personal achievement, but as a reflection of the trust our clients place in us every day.

A big thank you to my clients, partners, and everyone who has supported SwiftLend along the way. This is only the beginning — looking forward to helping many more Australians achieve their property goals.

26/02/2026

Another Complex Deal Settled – And Worth the Effort!

Every file has a story. This one had more moving parts than most.

Our clients, both over 50, came to us needing a competitive solution without compromising on loan term. Many lenders tighten policy settings around age and loan tenure — which can significantly reduce borrowing power or shorten the term.

We went deep into lender policy, assessed servicing models carefully, and explored options that would allow a standard 30-year loan term while still securing a sharp, competitive rate.

The result?
- 30-year term approved
- Strong pricing outcome
- Structure aligned with long-term goals

Most importantly, the clients remained patient and trusted the process while we worked through the complexities to get the right outcome.

At SwiftLend, it’s not just about getting an approval — it’s about structuring it correctly.

If your scenario feels complex, that’s usually where we do our best work.

24/02/2026

Attended ORDE’s future economic outlook session with Bernard Salt. He shared some interesting and useful insights and outlook which will shape not only Queensland but Australian mortgage industry. Bonus is seeing your colleagues and opportunity to network with other brokers and knowledge sharing. Look forward to work with and help clients achieving their goals!

26/08/2025

Exciting time for First Home Buyers!

News changes are effective from 1 October 2025!

What does this mean for new home buyers?

1. Broader Accessibility - Any FHB with higher income can still costs in LMI. Additionally, no participation limit.

2. Greater Property Choice - oFHB can buy properties in highly sought areas or in areas where it aligns with their strategy.

3. Cost Savings - No LMI

If you are a First Home Buyer and unsure how the changes impact you, please reach out.

#5%deposit

07/08/2025

08/07/2025