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Mir Sauhrid - Loan Gallery Finance

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Mir Sauhrid - Loan Gallery Finance

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number: (ACR # 515115) Australian Credit Licence (ACL # 475302)

22/10/2026

🏡 𝐓𝐡𝐢𝐧𝐤𝐢𝐧𝐠 𝐀𝐛𝐨𝐮𝐭 𝐁𝐮𝐲𝐢𝐧𝐠 𝐘𝐨𝐮𝐫 𝐅𝐢𝐫𝐬𝐭 𝐈𝐧𝐯𝐞𝐬𝐭𝐦𝐞𝐧𝐭 𝐏𝐫𝐨𝐩𝐞𝐫𝐭𝐲? 𝐑𝐞𝐚𝐝 𝐓𝐡𝐢𝐬 𝐅𝐢𝐫𝐬𝐭!

Buying an investment property isn’t just about rental income and capital growth. It’s about having the right financial and property strategy!

Here are 7 things to consider before you buy. 👇

1️⃣ Borrowing Capacity vs Affordability 💰
Just because you can borrow more doesn’t mean you should. Consider your repayments and future commitments.

2️⃣ Deposit, Equity & Upfront Costs 🏦
Using savings or equity? Don’t forget stamp duty, legal fees and other purchasing costs.

3️⃣ Rental Income & Holding Costs 🏠
Factor in council rates, insurance, maintenance, property management fees, land tax and potential vacancies.

4️⃣ Negative Gearing & Tax Changes 📊
Understand the current tax rules and any confirmed policy changes. Tax benefits shouldn’t be your primary reason for investing!

5️⃣ Interest-Only vs Principal & Interest 🤔
The right loan structure can make a significant difference to your cash flow and long-term plans.

6️⃣ Property Selection & Future Borrowing 📍
Location, rental demand and growth potential matter. A buyer’s agent can help identify and secure the right property, while your loan structure can influence future borrowing capacity.

7️⃣ Have a Long-Term Plan 🎯
Think about your investment goals, holding period, future purchases and exit strategy.

💡 My advice?

A good investment starts with a solid strategy, not just a good property listing!

Speak with a mortgage broker to understand your numbers and consider a buyer’s agent to help guide your property search.

📩 Planning your first investment? Let’s have a chat!

Disclaimer: General information only. Lending, tax implications and investment outcomes depend on individual circumstances. Seek professional financial, tax and legal advice.

LoanGallery

19/10/2026

🏡 𝟓% 𝐃𝐞𝐩𝐨𝐬𝐢𝐭 𝐃𝐨𝐞𝐬𝐧’𝐭 𝐀𝐥𝐰𝐚𝐲𝐬 𝐌𝐞𝐚𝐧 𝐘𝐨𝐮 𝐎𝐧𝐥𝐲 𝐍𝐞𝐞𝐝 𝟓% 𝐭𝐨 𝐁𝐮𝐲 𝐚 𝐇𝐨𝐦𝐞!

The Australian Government 5% Deposit Scheme is a fantastic opportunity for eligible first home buyers to purchase without paying Lenders Mortgage Insurance (LMI).

But here’s what many buyers overlook! 👇

Your deposit is only ONE part of the upfront funds you need.

Let’s look at an example of buying an established property in Victoria.

🏠 Purchase Price: $930,000

💰 5% Deposit: $46,500
📑 Stamp Duty: $50,870
⚖️ Legal & Conveyancing: $2,500
🔑 Other Costs: $3,000

Total Funds Required: $102,870

Saved $50,000 and thought you were ready?

You’re actually $52,870 short! 😮

But stamp duty isn’t the same for everyone!

In Victoria, eligible first home buyers may receive:

✅ Up to $600K – Full stamp duty exemption
✅ $600K–$750K – Concessional stamp duty
❌ Above $750K – Generally, full stamp duty applies

And remember, purchasing an established home, vacant land or house-and-land package can result in very different upfront costs.

💡 My advice?

Before setting your budget, speak with a mortgage broker. Your purchase price, property type, available concessions and borrowing capacity all matter!

📩 Let’s run the numbers before you start house hunting.

Disclaimer: Illustrative example based on an established Victorian property, assuming standard stamp duty. Costs, concessions, scheme eligibility and lending criteria vary. Seek professional advice before purchasing.

LoanGallery HomeLoanTips

14/10/2026

🏡 “𝙍𝙚𝙙𝙧𝙖𝙬 𝙤𝙧 𝙊𝙛𝙛𝙨𝙚𝙩? 𝙒𝙝𝙞𝙘𝙝 𝙤𝙣𝙚 𝙞𝙨 𝙗𝙚𝙩𝙩𝙚𝙧?”
I get asked this question quite often, and the answer isn’t always as straightforward as you might think! 🤔

💰 Let’s say you have a $600K home loan and $50K in savings.

Both options can save you the same amount of interest, but the real difference is how you access your money and what you plan to do with your property in the future.

🔵 Redraw: Extra repayments reduce your loan balance, with access subject to lender conditions.

🟡 Offset: Your savings remain separate, reducing interest while keeping your funds accessible.

And here’s something many homeowners overlook: If you ever turn your home into an investment property, your choice today could have tax implications down the track! 👀

It’s not always about which option saves more interest. It’s about which one fits your long-term plans.

📩 Not sure which one works better for you? Let’s have a chat!

Loan features and conditions vary by lender. Seek tax advice for your circumstances.

MortgageBrokerMelbourne PropertyInvestment SmartBorrowing

29/09/2026

𝐀𝐬 𝐞𝐱𝐩𝐞𝐜𝐭𝐞𝐝, 𝐭𝐡𝐞 𝐑𝐁𝐀 𝐡𝐚𝐬 𝐥𝐢𝐟𝐭𝐞𝐝 𝐭𝐡𝐞 𝐜𝐚𝐬𝐡 𝐫𝐚𝐭𝐞 𝐟𝐫𝐨𝐦 𝟒.𝟑𝟓% 𝐭𝐨 𝟒.𝟔𝟎%. 📈

For many households, this means another increase in home loan repayments at a time when everyday expenses are already putting pressure on budgets.

If your lender passes on the increase, it could be worth reviewing your current rate and loan structure to see whether there are better options available.

📞 Mir Sauhrid | Senior Finance Broker
0469 838 992
📧 [email protected]

Personalised finance solutions, always.

LoanGallery Refinance AustralianProperty

28/09/2026

All eyes on the RBA, with a 0.25% increase widely expected, potentially taking the cash rate from 4.35% to 4.60%.

Tomorrow we’ll know for sure. 👀

AustralianProperty

23/09/2026

Rate hike incoming? 📈🏡

Australia’s interest rate outlook has shifted again, with all four major banks now forecasting that the RBA will lift the cash rate by 0.25% at its 29 September meeting, taking it from 4.35% to 4.60%.

The change in expectations comes amid persistent inflation, higher energy and oil prices, stronger economic activity and increasingly firm signals from the RBA.

For mortgage holders, another rate increase could mean higher monthly repayments and more pressure on household budgets.

Of course, a forecast isn’t a decision. But with the next RBA announcement only days away, now could be a good time to review your current home loan rate, structure and options rather than simply waiting to see what happens.

📞 0469 838 992
📧 [email protected]

Personalised finance solutions, always.

Refinance PropertyMarket AustralianProperty FinanceTips

19/09/2026

Whether you're purchasing your first investment property or expanding your portfolio, having the right finance strategy is just as important as choosing the right property.

A well-structured loan can help support your long-term investment goals while giving you greater flexibility along the way.

Let's discuss your investment goals and build a strategy that works for you.

Finance approval subject to lender criteria. T&Cs apply.

12/09/2026

Refinancing isn't just about finding a lower interest rate.

Before making the switch, it's worth reviewing:
✔ Your current loan features
✔ Fees and costs
✔ Offset or redraw facilities
✔ Your financial goals
✔ Available lending options

A little preparation can help you make a smarter financial decision.

Need help? Let's review your loan together.

Finance approval subject to lender criteria. T&Cs apply.

05/09/2026

Before you start house hunting, consider:
🏡 Your deposit
💰 Your budget
📄 Your borrowing capacity
✅ Your finance strategy

Planning can help make your buying journey smoother and less stressful.

Tick off your finance checklist with expert support.

Finance approval subject to lender criteria. T&Cs apply.

05/09/2026

𝐂𝐨𝐮𝐥𝐝 𝐰𝐞 𝐛𝐞 𝐚𝐛𝐨𝐮𝐭 𝐭𝐨 𝐬𝐞𝐞 𝐚 𝐬𝐡𝐢𝐟𝐭 𝐛𝐚𝐜𝐤 𝐭𝐨𝐰𝐚𝐫𝐝𝐬 𝐧𝐞𝐰 𝐜𝐨𝐧𝐬𝐭𝐫𝐮𝐜𝐭𝐢𝐨𝐧?

Australia needs more housing supply. Buying an established property changes ownership and building a new property actually adds another home.

With the Government targeting 1.2 million new homes by 2029, it makes sense that policy would try to encourage more capital towards new construction.
But there are a few moving pieces.

Changes being applied around negative gearing and CGT could influence where investors put their money.
At the same time, construction costs, builder risk, valuations and lender policies can still make new builds more complicated than buying established.

From the finance side, I’m already seeing how differently lenders can assess the same construction project.

So I’m interested to see where this goes.

Will investors shift more towards house & land, townhouses and apartments?

Will lenders adjust their appetite if government policy increasingly favours new supply?

And ultimately, will these changes actually increase housing supply, or simply reshape the investment market?

Interested to hear what others in property, construction and finance are seeing - what’s your take?

MortgageBroker AustralianProperty

Address

Melbourne, VIC
3207

Opening Hours

Monday	9am - 5pm
Tuesday	9am - 5pm
Wednesday	9am - 5pm
Thursday	9am - 5pm
Friday	9am - 5pm
Saturday	12:30pm - 5pm
Sunday	12:30pm - 5pm

Telephone

+61469838992

Website

http://www.loangallery.com.au/

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