Dan Poudyal - Mortgage Broker

Dan Poudyal - Mortgage Broker Mortgage Broking Whether you're navigating the market for the first time or growing your investment portfolio, I'm here to guide you every step of the way.

I'm an investor-savvy Mortgage Broker dedicated to helping first home buyers, property investors, and those looking for SMSF loans find the right mortgage solutions. Let’s work together to turn your property goals into reality!

13/04/2026

The Truth About SMSF Borrowing (LRBA)

A Limited Recourse Borrowing Arrangement (LRBA) allows an SMSF to borrow - but under strict rules, below are some:

✔️ You can only buy a single acquirable asset
✔️ The property must be held in a separate security trust
✔️ The lender’s recourse is limited to that asset only
✔️ You cannot use borrowed funds to improve the property

👉 Translation: It’s not your typical home loan

17/03/2026

Interest Rates gone up again. RBA adjusts rates to control inflation. If prices keep rising, increasing rates is one way to slow spending and bring inflation back down.

Here is a short video explaining why rate hikes happen and what it could mean for you.

11/02/2026

The Federal Government is reportedly considering changes to the Capital Gains Tax (CGT) discount ahead of the next federal budget. The current 50% discount applies to assets held longer than 12 months, but several proposals have suggested reducing it as part of broader housing and tax reforms.

Any change could affect property investors, shares, and superannuation returns, depending on how reforms are structured.

This is not financial advice. Always seek advice from a qualified professional before making financial decisions.

11/02/2026

The Federal Government is reportedly considering changes to the Capital Gains Tax (CGT) discount ahead of the next federal budget. The current 50% discount applies to assets held longer than 12 months, but several proposals have suggested reducing it as part of broader housing and tax reforms.

Any change could affect property investors, shares, and superannuation returns, depending on how reforms are structured.

This is not financial advice. Always seek advice from a qualified professional before making financial decisions.

16/01/2026

Learn the truth behind 80% LVR.

07/01/2026

In corporate, Jan 12th meant:

Still easing back.
Calendar half empty.
“Let’s ramp up next week.”
“Let’s report amber.”

In mortgage broking, it’s not even Jan 12th:

$1.0m — Refinance to buy time, not headlines.
$500k — Commercial medical suite purchase.
$1.5m — Investor modelling before emotions kick in.
$1.0m — SMSF purchase, interstate.
$1.5m — First-home buyers stacking schemes properly.
$500k — SMSF settlement while clients are overseas.

$6.0m in active deals.

Admin heavy.
Zero margin for error.
No warm-up lap.
No “slow start to the year”.

This is mortgage broking.
Outcomes > activity.

💬 I realised something after my post hit 26,000 views in linkedInIt wasn’t because I’m a mortgage broker.It wasn’t becau...
31/10/2025

💬 I realised something after my post hit 26,000 views in linkedIn

It wasn’t because I’m a mortgage broker.
It wasn’t because I wrote about emojis.

It’s because people felt seen.

We live in a world drowning in noise.
But connection still wins.

The post wasn’t about emojis -
it was about how misunderstanding happens.

Emojis used to be simple.
Now they mean the opposite.

And in finance, that’s exactly what happens too.
We assume clients “get it.”
They nod, smile, and say “thanks.”
But deep down, they’re confused or uncertain.

26,000 views taught me one thing

Trust break from the disconnect not the rate

💀 The Emoji Language Is Broken.Once upon a time, emojis were simple.A smile meant you were happy.A thumbs-up meant “than...
24/10/2025

💀 The Emoji Language Is Broken.

Once upon a time, emojis were simple.
A smile meant you were happy.
A thumbs-up meant “thanks.”
A skull meant… well, death.

Not anymore.

🧁 = Attractive in a sensual way
😬 = This is terrible
😭 = Overwhelmed (by something cute or funny)
👍 = Dismissive disapproval
🙂 = Sarcastic passive aggression
💀 = Laughing so hard I’m dying

I saw this on a slide today and thought —
if emojis can change meaning this fast…
what about how clients read our messages?

In mortgage broking, tone is everything.
A “no worries 👍” might sound calm to you,
but to a stressed-out buyer waiting on approval,
it could read as “you’re on your own.”

Text is efficient.
But empathy doesn’t always fit in an emoji.

So next time you message a client,
swap the emoji for clarity.
Because trust is built on how you make people feel,
not how quickly you reply.

People often ask how I did it.How I went from 20 years in IT…to running a thriving mortgage practice.How I built a busin...
11/10/2025

People often ask how I did it.

How I went from 20 years in IT…
to running a thriving mortgage practice.

How I built a business that now handles millions in loans, hundreds of clients, and investors with 5-20 properties.

The truth?
Most only see the outcome.
Very few see the effort.

They don’t see the 3 a.m. starts.
The missed weekends.
The quiet anxiety of not knowing where the next lead would come from.

They see the growth - not the grind.

When I started, I was one of the first brokers in my circle to post here.
No audience. No likes. No strategy.
Just consistency - one post at a time.

Some thought it was strange.
Others didn’t notice.
But I kept going.

Not for attention - but for accountability.
To remind myself why I started.

I came from two decades in IT - building systems for Telstra, Orica, and the Department of Justice, Newcrest Mining
Now I build finance systems that help people live better.

Over time, I’ve learned:
- Success looks effortless because the real effort happens in silence.
- Experience can’t be copied or taught - it’s earned.
- No matter how much you grow, staying grounded matters most.

And no matter how far this goes, my values won’t change:
- Be honest
- Do the work properly.
- Treat every client the same - whether they own one property or twenty.

People ask how I survived.
The truth is simple:
I didn’t just survive.
I kept showing up - long enough to grow.

🌿 What Hoi An Taught Me About WealthI was sitting by the river in Hoi An last week.Coffee in hand.No phone.No rush.Local...
09/10/2025

🌿 What Hoi An Taught Me About Wealth

I was sitting by the river in Hoi An last week.
Coffee in hand.
No phone.
No rush.

Locals moved slowly.
Smiled often.
No one seemed in a hurry to “get ahead.”

It hit me:
They already were.

Back home, we sprint through life.
Chasing approvals.
Deals.
Deadlines.

We call it progress.
But half the time, it’s just stress in disguise.

Hoi An reminded me of something simple:
Wealth isn’t about money.
It’s about peace.

In mortgages and investing, it’s the same game.
The goal isn’t to buy 10 properties.
It’s to build freedom — step by step, with clarity and patience.

That’s what I help my clients do:
Use property and finance to slow down, not speed up.

Because peace > pressure.
And freedom > more.

03/09/2025

People often ask me: “Why do some investors keep buying so many properties?”

It’s not greed.
It’s strategy.

One property gives you security.
Two or three give you options.
A portfolio gives you leverage.

Leverage means equity to keep growing, rental income helping repay debt, and compounding growth working across multiple assets.

I see this every week with clients. The ones who think long-term don’t just own a home ,they own choices.

And that’s the difference.
Every extra property isn’t just another address.
It’s another step toward freedom.

22/08/2025

Two friends wanted to buy through a unit trust.

Looked simple.
It wasn’t.

After speaking with their accountant, a small detail came up:
- Individual trustees weren’t the right fit for their long-term goals.
- A corporate trustee was.

Tiny details can derail big plans.

When you’re building portfolios, collaboration isn’t optional.

It’s the difference between moving forward… or getting stuck

Address

30 Woodward Way, Caroline Springs
Melbourne, VIC
3023

Opening Hours

Monday 8am - 6pm
Tuesday 8am - 6pm
Wednesday 8am - 6pm
Thursday 8am - 6pm
Friday 8am - 6pm
Saturday 8am - 6pm
Sunday 8am - 6pm

Telephone

+61433362754

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