AXTON Finance - Professional Mortgage Brokers

AXTON Finance - Professional Mortgage Brokers AXTON Finance is a team of highly awarded and professional mortgage brokers. AXTON Finance are award winning licensed mortgage brokers located in Hawthorn VIC.

Our services include mortgage broking for home and investment loans for owner occupiers, investment properties, refinancing, private banking solutions, Australian expat lending, renovation and construction loans, first home buyers, commercial property loans, development loans, self-managed super funds (SMSF), debt consolidation. We service clients from Hawthorn East, Glen Iris, Camberwell, Malvern

, Malvern East, Ashburton, Surrey Hills, Mont Albert, Canterbury, Balwyn, Kew, Richmond, Kooyong, Toorak, Prahran and surrounding areas. Access to over 30 major banks and lenders. Contact us if you are looking for one of Melbourne’s best experienced mortgage brokers.

If you are considering an off-the-plan apartment, unit or townhouse in Melbourne, there is a date you should be aware of...
09/06/2026

If you are considering an off-the-plan apartment, unit or townhouse in Melbourne, there is a date you should be aware of if you want to save potentially tens of thousands of dollars.

The Victorian government has extended its temporary off-the-plan stamp duty concession to 21 April 2027. Under the concession, stamp duty is calculated not on the full contract price but on the dutiable value. That’s the contract price minus outstanding construction costs at the time of signing. For an off-the-plan apartment in Melbourne, that can mean a saving of tens of thousands of dollars.

Critically, this concession is available to all buyers, not just owner-occupiers or first home buyers. Investors, companies and trusts all qualify. There is no property value threshold. It applies to apartments, units and townhouses in a strata subdivision. It does not apply to house and land packages or freestanding homes outside a strata scheme.

Combined with the federal Budget's preservation of full negative gearing and CGT flexibility for eligible new builds, the stamp duty concession creates a strong stack of incentives for Melbourne investors considering off-the-plan purchases before April 2027.

This post is general information only and does not constitute financial, legal or tax advice. We recommend seeking advice from a qualified accountant, licensed financial adviser and solicitor before making any decisions.



The window is open but it will not stay open. Speak to the team at AXTON Finance to secure finance for your next apartment investment. Call 03 9939 7576 or email [email protected].

Most of the Budget coverage has focused on what property investors are losing. But there is another side to the story th...
08/06/2026

Most of the Budget coverage has focused on what property investors are losing. But there is another side to the story that has received less attention.

While the government removed negative gearing on established properties purchased after 12 May 2026, it went out of its way to preserve the incentives for new residential construction.

From 1 July 2027, eligible new builds retain two significant tax advantages. Full negative gearing remains intact, so investors can still use rental losses to offset wages and other income. And on capital gains, new build investors get a choice that established property buyers do not: apply either the existing 50% CGT discount or the new indexation system when you sell, whichever produces the better outcome at the time.

The key is understanding what actually qualifies. Eligible new builds must genuinely add to housing supply – dwellings on vacant land or projects that replace existing properties with a greater number of dwellings. A knock-down rebuild that replaces one house with one house does not qualify.

This post is general information only and does not constitute financial, legal or tax advice. We recommend seeking advice from a qualified accountant, licensed financial adviser and solicitor before making any decisions.



Has the Budget changed how you're thinking about your next investment property? Speak to the team at AXTON Finance. Call 03 9939 7576 or email [email protected].

If you are thinking about buying an established property through your SMSF, there is a sequence to follow. Getting it wr...
04/06/2026

If you are thinking about buying an established property through your SMSF, there is a sequence to follow. Getting it wrong can have serious consequences inside superannuation.

Purchasing property inside an SMSF requires a structure called a limited recourse borrowing arrangement (LRBA). The fund borrows to purchase the property, which is held in a separate bare trust until the loan is repaid. If the fund defaults, the lender's recourse is limited to that asset, so the rest of the fund is protected. It is a well-established structure, but it needs to be set up correctly before any money moves.

That means the lending – which is our role – is actually the third step, not the first.

Step one is speaking to your accountant and financial adviser. Step two is getting the SMSF structure and bare trust established correctly. Step three is coming to us for the lending.

The structure has to be in place before a lender can be approached, and the structure cannot be put in place without the right professional advice. We work with more than 30 lenders, many of whom offer SMSF loan products, and we find the rate and structure that suits your fund, but only once the foundations are right.

This post is general information only and does not constitute financial, legal or tax advice. We recommend seeking advice from a qualified accountant and solicitor before making any decisions.



Thinking about buying established property through your SMSF? The lending side is where we come in. Speak to the team at AXTON Finance. Call 03 9939 7576 or email [email protected].

Helping self employed clients achieve their property goals is one of our specialties. Thank you SGT for your wonderful f...
04/06/2026

Helping self employed clients achieve their property goals is one of our specialties. Thank you SGT for your wonderful feedback! We're so pleased Melanie and the team could make your home loan journey a smooth one.

The Budget might have made SMSF property more attractive relative to personal ownership of established homes. But that d...
02/06/2026

The Budget might have made SMSF property more attractive relative to personal ownership of established homes. But that does not make it the right move for everyone.

There are some advantages:

1. A potentially lower tax environment
2. Exclusion from the new negative gearing restrictions
3. Long-term compounding effect of holding a quality asset inside a superannuation fund.

For investors with sufficient super balances, a genuine long-term horizon and the right professional team around them, the case is strong.

But there are also limitations:

1. SMSF loans carry stricter lending criteria and possibly higher rates than standard investment loans
2. Less flexibility – you cannot access equity easily, and the property cannot serve any purpose other than a retirement benefit
3. Setup and ongoing compliance costs are meaningful.

For investors with sufficient super balances, a genuine long-term horizon and the right professional team around them, the case is strong. For everyone else, it is worth a careful conversation before committing.

This post is general information only and does not constitute financial, legal or tax advice. We recommend seeking advice from a qualified accountant, licensed financial adviser and solicitor before making any decisions.



Not sure if SMSF property is right for your situation? Speak to the team at AXTON Finance. Call 03 9939 7576 or email [email protected].

The 2026–27 Federal Budget changed the rules for property investors. For most, it made buying established homes signific...
31/05/2026

The 2026–27 Federal Budget changed the rules for property investors. For most, it made buying established homes significantly less attractive. But for one group, it changed nothing at all.

That group is investors who buy through a self-managed superannuation fund (SMSF).

Here is what changed for everyone else. From 1 July 2027, investors who bought established residential properties after 12 May 2026 will no longer be able to use rental losses to offset wages or other income. The capital gains tax (CGT) discount is also being overhauled and the existing 50% discount is being replaced by a CPI indexation model with a 30% minimum tax rate on real capital gains.

SMSFs are explicitly excluded from the Budget's negative gearing changes. If you purchase an established residential property through an SMSF, the new rules do not apply.

Inside an SMSF, the existing tax treatment remains intact – 15% on rental income, 10% on capital gains for assets held longer than 12 months and zero in pension phase.

The Budget has not touched any of it.

This post is general information only and does not constitute financial, legal or tax advice. We recommend seeking advice from a qualified accountant, licensed financial adviser and solicitor before making any decisions.



Has the Budget changed how you're thinking about your next investment property? It might be time to look at your SMSF. Speak to the team at AXTON Finance. Call 03 9939 7576 or email [email protected].

Here's something worth knowing amid all the Budget noise: refinancing your investment property has no impact on your gra...
28/05/2026

Here's something worth knowing amid all the Budget noise: refinancing your investment property has no impact on your grandfathered negative gearing status.

The entitlement attaches to the property and its ownership, not to the loan. Switching lenders or renegotiating your rate does not trigger any of the new Budget rules.

That matters right now because the RBA raised the cash rate for the third time this year at its May meeting, and lenders have been moving their investment loan rates in response. Loyalty might not pay in lending, and a rate review costs nothing.

Beyond the rate, it is also worth thinking about structure and features. Whether a fixed rate, a split loan, an offset account or an interest-only period makes sense depends on your situation. The cheapest loan on paper is not always the most useful loan in practice.

This post is general information only and does not constitute financial, legal or tax advice. We recommend seeking advice from a qualified accountant and solicitor before making any decisions.



The Budget hasn't touched your entitlements, but when did you last review your rate? Speak to the team at AXTON Finance. Call 03 9939 7576 or email [email protected].

Helping first home buyers feel confident every step of the way. Thank you Hayley for the kind words and trust in AXTON ...
27/05/2026

Helping first home buyers feel confident every step of the way. Thank you Hayley for the kind words and trust in AXTON Finance. 🏡 🔑

A lot of Melbourne property investors are asking the same question since the federal Budget was announced: Should I sell...
26/05/2026

A lot of Melbourne property investors are asking the same question since the federal Budget was announced: Should I sell before the rules change?

For many existing investors, the answer is no. If you owned your investment property before Budget night, your negative gearing entitlements are protected until you sell. There is no deadline forcing your hand.

A rushed sale could actually cost more than it saves. You would trigger your capital gains tax liability now and lose the grandfathered negative gearing entitlement in the process. And then if you rebought after 1 July 2027, the new rules would apply to your replacement property in full.

Treasury's own modelling expects the reforms to produce a modest softening in house price growth of around 2% over several years. Melbourne's median house price in May 2026 was $972,734, according to Cotality. So a 2% movement on that figure is a long way from the market correction some investors are bracing for.

But as always, your next move will depend on your own circumstances and long-term goals.

This post is general information only and does not constitute financial, legal or tax advice. We recommend seeking advice from a qualified accountant and solicitor before making any decisions.



Before you make any decisions, speak to the team at AXTON Finance. Call 03 9939 7576 or email [email protected].

If you've been hearing the word "grandfathering" since the Budget and wondering what it actually means for you, here's t...
24/05/2026

If you've been hearing the word "grandfathering" since the Budget and wondering what it actually means for you, here's the plain-English version.

Grandfathering is the government's way of saying the new rules around negative gearing for investment properties don't apply to what you've already done.

If you owned an established investment property before 7:30pm AEST on 12 May 2026, your negative gearing entitlements remain unchanged for as long as you hold that property. There is no deadline to sell before and no penalty for holding. Your tax position on that property is preserved.

The changes to capital gains tax are structured in a similar way. Only gains accrued after 1 July 2027 will be subject to the new indexation rules. Everything before that date remains under the current rules.

So for most existing Melbourne investors, the Budget changes far less than the headlines suggest.

This post is general information only and does not constitute financial, legal or tax advice. We recommend seeking advice from a qualified accountant and solicitor before making any decisions.



Not sure where you stand? Speak to the team at AXTON Finance alongside your accountant. Email [email protected] or call 03 9939 7576.

Address

114 Auburn Road
Hawthorn, VIC
3122

Opening Hours

Monday 8:30am - 6pm
Tuesday 8:30am - 6pm
Wednesday 8:30am - 6pm
Thursday 8:30am - 6pm
Friday 8:30am - 6pm

Telephone

+61399397576

Website

Alerts

Be the first to know and let us send you an email when AXTON Finance - Professional Mortgage Brokers posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Contact The Business

Send a message to AXTON Finance - Professional Mortgage Brokers:

Shortcuts

Share

Category