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!

19/06/2026

Stopped a client from buying an investment property through his SMSF last week.

Not because he couldn't. Because he shouldn't.

On paper, everything checked out. Borrowing capacity was there, the bank was ready to lend, and the property looked solid.

Dig a bit deeper, though, and the fund didn't have enough cash buffer for ongoing costs like maintenance and rates — costs the rental income wouldn't fully cover.

That's the part most people miss with SMSF lending. Getting the loan approved is the easy bit. The harder question is whether the purchase still supports retirement goals once those running costs hit the fund.

That went back to him and his financial planner. Landed on a no — for now, not forever.

SMSF lending looks simple from the outside. It rarely is.

If your situation feels complicated, it might just need a different approach.

(General information only — not financial advice.)

13/06/2026

This development is done and sold.
Made some money 💰

Took planning, patience, and a few uncomfortable conversations along the way.

Development isn’t for everyone.

I’ve seen it go wrong when the numbers looked perfect on paper.

Build runs over. Valuation comes in short. Exit strategy was never really a strategy.

If you’re looking at a development deal and want to talk through how the finance side works — hit me up

12/06/2026

Thinking about buying property through your super?

Learn the step-by-step process, key benefits, risks, and what you need to know before getting started. Property investing through super isn’t for everyone, but done correctly, it can be a powerful wealth-building strategy.

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.

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

Website

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