Australian Property Home Loans

02/06/2026

It's never too late to buy your first home - and this is a perfect example of why I do what I do.

Last month, I worked with two sisters, aged 55 and 57, who had never owned property. Both were renting, feeling increasingly insecure about their future, and worried about the prospect of landlords selling and having to start over again.

After being gifted funds for a deposit, they approached a lender, only to be advised that they "weren't in their wheelhouse".

They both came to me. We took a different approach, matched each application to the right lender, and presented their stories in the right way.

The result?

🏡 One sister settled on her first home last week.

🏡 The other received formal approval today.

Two women who thought home ownership was impossible in their late 50s now have the security and certainty of a place to call their own. And it was all about telling the right story, to the right people...

26/05/2026

Financial wellbeing affects every part of life, including performance at work.

When people feel stressed, uncertain, or not in control of their finances, it can impact focus, productivity, confidence, and overall wellbeing.

After running a number of successful sessions last year, I’m now opening these up to HR Managers and Business Owners who would like to offer a practical and supportive “Lunch & Learn” session for their teams.

These sessions are designed to help employees better understand the current lending and property market, including:

• What we’re seeing in the market right now

• Options available to mortgage holders

• Ways to relieve pressure on household budgets

• How to structure a mortgage more effectively

• Understanding property valuations

• Strategies for negotiating with banks before refinancing

The sessions are conversational, informative, and designed to educate without overwhelming people. The goal is to give attendees greater clarity, confidence, and practical knowledge they can actually use.

If this is something you’d like to explore for your workplace, feel free to get in touch.

21/05/2026

Certain professions are eligible for some pretty cool benefits when it comes to lending.

These clients are some of the lucky ones - each of these professions are entitled to products that can save them money, and potentially increase their borrowing capacity.

It's a matter of knowing which lender is best matched to your profession - and who can offer you that slight edge in the market.

https://calendly.com/australianpropertyhomeloans/home-loan-download-introduction-check-in

19/05/2026

Yes.. we are back to working out new borrowing calculations...

Not because of rate changes, but policy changes. Lenders are already factoring in the budget announcement last week and three have removed negative gearing benefits from their servicing calculators.

It makes a significant difference.

If you are pre-approved for an investment purchase, you need to double check that new figure.

Actually, if you are pre-approved for anything.. double check that figure..!

19/05/2026

2026 is shaping up to be a year that requires planning.
Planning for property investment, planning for future tax benefits on your owner occupied home - should you want to rent it out in the future - and planning for wealth creation.
All of these require your loans to be structured correctly and a team of individuals all working together on YOUR goals.
It can, and does happen. Regularly.
I’m often speaking with my client’s Accountant and/or Financial Planner to ensure we are crafting the right strategy. Let’s make sure yours is on track.

18/05/2026

Since the budget was released, we have all been looking for the loopholes - and here is one.

It has been confirmed that the owner occupied home that you now hold, can be converted to an investment property in the future and negative gearing benefits will be applicable.

If you have plans to do this, it is IMPERATIVE that you have your home loan structured in a way to support this, right now. If you don't, you will miss out on maximising the tax benefits that are derived from negative gearing.

Drop me a line if this strategy is on your radar for the future.

Homeowners can convert their primary residence into an investment property under the new negative gearing changes in a surprise loophole that locks in the tax benefits for people who already own a home.

17/05/2026

This is how dramatically borrowing capacity can vary in a self-employed scenario.

Same client. Same financial position. Two completely different lenders.

The difference? Income assessment policy.

In some cases, that difference can be a complete game changer.

14/05/2026

I see it all the time.
Self employed clients making a significant amount of money in their financials.. yet the tax returns are crafted in a way to be tax effective - and be a handbrake on your borrowing capacity.
Get everyone in your team on the same page, including your Accountant and Mortgage Broker.
If you don’t, those goals are going to be done in half measures.

12/05/2026

What’s my take on the budget?

I’m struggling to understand the logic.

We have a rental crisis, but we want to take investors out of the market and disincentivise them by removing negative gearing. Less rents means they go up.

If we take negative gearing benefits out of property investment, that will now impact lender calculators and significantly reduce borrowing capacities.

We want to encourage First Home Buyers - yet negative gearing will still apply to new builds - which so many First Home Buyers head for, given the stamp duty savings and the opportunity for the First Home Owners Grant. So they’ll be competing with even more investors now.

I could go on.. but honestly.. 🤷🏼‍♀️

11/05/2026

When rates go up, don’t just immediately think “refinance”. There are so many options to consider before going down that path, but more importantly, weight up the cost. The set up@and discharge fees all weigh in, and can mitigate any savings perceived from a .5% difference. Do your due diligence - and ask your broker for the breakdown.