GTM Finance - Lending

03/06/2026

01/06/2026

Send this to your self employed friend.

Many business owners are surprised when their loan application doesn't go as planned, not because their business isn't successful, but because lenders assess self-employed income differently.

If you're planning to buy a home or investment property in the next 12 months, now is the time to prepare.

21/05/2026

Same income, different outcome. Comment INVEST and I will send you the free investor borrowing capacity breakdown

21/05/2026

Most investors are reacting to the negative gearing changes as a tax issue.

But the bigger issue may be borrowing capacity.

An investor earning around $100,000 per year may have previously been able to borrow around $868,000 for an investment property.

Under the new assessment, that same income may only support around $625,000.

That is roughly $243,000 less borrowing power.

Same income.
Same investor.
Very different outcome.

Of course, everyone’s situation is different. Your borrowing capacity depends on your income, expenses, debts, dependants, rental income, lender policy and the property you are buying.

But this is why investors need to stop only asking:

“Can I still negatively gear?”

The better question is:

“How much will the bank actually lend me now?”

This change may make some strategies harder, but it may also open up other opportunities including eligible new builds, debt restructuring, equity use and smarter lender selection.

Comment INVEST and I’ll send you a free breakdown of exactly how this affects your borrowing capacity and what options you should be considering next

21/05/2026

Most investors are reacting to the negative gearing changes as a tax issue.

But the bigger issue may be borrowing capacity.

An investor earning around $100,000 per year may have previously been able to borrow around $868,000 for an investment property.

Under the new assessment, that same income may only support around $625,000.

That is roughly $243,000 less borrowing power.

Same income.
Same investor.
Very different outcome.

Of course, everyone’s situation is different. Your borrowing capacity depends on your income, expenses, debts, dependants, rental income, lender policy and the property you are buying.

But this is why investors need to stop only asking:

“Can I still negatively gear?”

The better question is:

“How much will the bank actually lend me now?”

This change may make some strategies harder, but it may also open up other opportunities including eligible new builds, debt restructuring, equity use and smarter lender selection.

Comment INVEST and I’ll send you a free breakdown of exactly how this affects your borrowing capacity and what options you should be considering next

19/05/2026

Quick summary of how Albanese and Chalmer's negative gearing changes affect borrowing capacity as a percentage of an investment property's value

05/05/2026

RBA has increased the cash rate by 0.25%, bringing it back to 4.35% (one of the highest levels since late 2023)

For homeowners, this means mortgage rates are continuing to trend higher, with many variable rates now moving towards the 6.25%+ range.

For a $750,000 mortgage, today’s increase could add around $130 per month to repayments, depending on your loan type, rate and remaining term.

And it’s not just repayments that are impacted.

With lenders 3% serviceability buffer, higher rates can reduce borrowing capacity even further, making it harder for buyers and refinancers to qualify for the same loan amount.

If you already own a property, now is a smart time to:

1. Maximise your offset account (i cant emphasise this enough)
2. Review your current interest rate
3. Check whether your loan structure still suits you

Next Tuesday is the Federal Budget, and with rates rising again, many households will be watching closely to see whether the Government announces energy rebates, or cost-of-living support to help balance household budgets.

The RBA meets again next month.

For now, homeowners need to stay proactive , because even small rate increases can have a big impact over time.

How are you feeling after today's RBA rate rise?

05/05/2026

The RBA has increased the cash rate by 0.25%, bringing it back to 4.35% one of the highest levels we’ve seen since rates first reached this level in late 2023.

For homeowners, this means mortgage rates are continuing to trend higher, with many variable rates now moving towards the 6.25%+ range.

For a $750,000 home loan, today’s increase could add around $130 per month to repayments, depending on your loan type, rate and remaining term.

And it’s not just repayments that are impacted.

With lenders also applying a 3% serviceability buffer, higher rates can reduce borrowing capacity even further — making it harder for buyers and refinancers to qualify for the same loan amount.

If you already own a property, now is a smart time to:

✅ Maximise your offset account
✅ Review your current interest rate
✅ Check whether your loan structure still suits you
✅ Compare your lender against the market
✅ Avoid holding lazy cash outside your offset if you have a home loan

Next Tuesday is the Federal Budget, and with rates rising again, many households will be watching closely to see whether the Government announces energy rebates, tax relief or cost-of-living support to help balance household budgets.

The RBA meets again next month.

For now, homeowners need to stay proactive — because even small rate increases can have a big impact over time.

📩 Want to know if your current home loan is still competitive? Send us a message and we can review your options.

Poll:
How are you feeling after today’s RBA rate rise?

A) I need my loan reviewed
B) I’m using my offset
C) I’m worried about repayments
D) Waiting for Budget relief

11/09/2025

Should I fix my loan now thay fixed rated are around 4.89 or 4.99 for two years. OR Should I split my loan?