Smart Choice Mortgage And Finance

14/05/2026

Thank you Nepalese Association of Victoria for the opportunity

A sincere thank you to Smart Choice Finance for your generous financial contribution as a supporter for the NAV Nepali New Year 2083. 🙏

If you are looking to buy your first home, invest, or refinance? 🏡💰

Suresh Soti is here to make the process simple and stress-free. With access to a wide range of lenders, he’ll help you find the right loan that suits your needs.

📞 Contact him today on 0410 242 700 for a free consultation.
Suresh Soti
Smart Choice Mortgage & Finance
Your trusted mortgage broker.

12/05/2026

🚨 Federal Budget 2026 Update – What It Means for Property Investors & Home Loans 🏠

The latest Federal Budget has introduced some BIG changes that will impact investors and the mortgage market. Here’s a simple breakdown 👇

🔹 Negative Gearing ChangesFrom July 2027, negative gearing will only apply to new builds. Existing properties will no longer have the same tax benefits (current investments remain unchanged).

🔹 Capital Gains Tax (CGT) UpdateThe current 50% CGT discount is being replaced, meaning higher tax on investment property profits in the future.

🔹 Push for New HousingThe government is investing billions to boost new home construction, encouraging investors to buy or build new properties.

🔹 Foreign Buyer Restrictions ExtendedBan on foreign buyers purchasing existing homes extended to 2029.

💡 What this means for you:✔️ Investors may shift towards new builds✔️ There could be a short-term rush to buy before 2027✔️ First home buyers may find less competition✔️ Strategy is now more about cash flow & long-term growth

📊 From a mortgage perspective:
We expect more demand for construction loans and new property purchases, while lending for existing investment properties may slow down over time.

👉 If you’re thinking about buying, investing, or refinancing, now is the time to review your strategy.

📞 0410242700
Feel free to reach out – happy to guide you through your options.

30/04/2026

💥 Did you know you can buy a home with just 5% deposit and pay NO LMI? 💥

Yes, it’s possible!

Through select government-backed schemes, eligible buyers can get into the property market sooner without paying Lenders Mortgage Insurance (LMI)

🏡 Only 5% deposit required
💰 No LMI (saving you thousands!)
📈 Get into the market sooner
👨‍👩‍👧 Ideal for first home buyers

This could be a game changer if you’ve been struggling to save a big deposit or trying to avoid extra costs.

📩 Message me to check your eligibility and explore your options
📞 Or contact me directly on 0410 242 700

14/04/2026

नयाँ वर्ष २०८३ को हार्दिक मंगलमय शुभकामना 🎉
यस नयाँ वर्षले तपाईंको जीवनमा सुख, शान्ति, स्वास्थ्य र समृद्धि ल्याओस्।
सबै आँटेका तथा सुरु गरेका कामहरू सफलतापूर्वक पूरा होऊन् ।

नयाँ वर्षले नयाँ आशा, ऊर्जा र सफलताको ढोका खोलोस्।

06/04/2026

Great to be part of this wonderful community! Thank you for giving me the opportunity to contribute to community events.

We warmly invite you all to join us this Saturday, 11 April, for the Nepali New Year Ban Bhoj, proudly organised by the Epping Wollert Community at Yan Yean Reservoir.

Looking forward to celebrating together!

17/02/2026

✅ Pre-Approval Done Under Government Grant Scheme!

My First Home Buyer client is now ready to enter the market with confidence and clarity.

Are you a First Home Buyer looking to purchase under a government scheme?
Or are you:

• Looking to buy your first property?
• Wanting to access government grants and incentives?
• Paying a higher interest rate and considering refinancing?
• Planning to invest in property?

No matter your situation, I’m here to guide you through the process and secure the right loan structure for your needs.

📞 Call me today on 0410 242 700
Suresh Soti

04/02/2026

Congratulations Rajesh Bhai and Rupa Baini on securing this beautiful home in Kalkallo, VIC 🏡✨
Thank you for trusting me with your home loan and being part of your homeownership journey. Wishing you many happy memories in your new home!

03/02/2026

RBA increased cash rate by 0.25%

26/01/2026

Happy Australia Day 🇦🇺

30/12/2025