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Zenlend Mortgage Broking & Planning

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Australia
Mornington, VIC
Zenlend Mortgage Broking & Planning

Mornington's premier Finance and Mortgage Broking service. Contact us today to see how we can help Zenlend is a mortgage broking firm in Mornington, VIC.

We offer home loans, first home buyer’s mortgages, commercial & business loans, investment loans, development loans, asset finance, mortgage refinance, equipment finance, debt consolidation, vehicle finance, car loans, construction loans, mortgage top-ups, land & construction loans, no doc loans, low doc loans, & renovation loans. We operate from Bayside to Portsea, including Mount Eliza, Mooroodu

c, Mount Martha, Frankston, Frankston South, Baxter, Langwarrin South, Tyabb, Hastings, Tuerong, Bittern, Merricks North, Dromana, Safety Beach, Somerville, Pearcedale, Red Hill, Rosebud, Capel Sound, Rye, Blairgowrie, & Sorrento. For the best mortgage brokers in Mornington, look no further.

31/08/2026

🏠☕ One-in-four Aussies are giving up takeaway coffee & turning to home brew instead 😲

With the cost of living crisis and Mortgage growth slumping to a 3 year low as property market cools, people are finding ways to keep a lid on living costs.

🔹More than one in four Australians have given up buying takeaway coffee, new Canstar research has revealed, as the average drink costs $5.90.

🔹Australia's $10.15 billion café economy is finally seeing some relief, with coffee prices rising at their slowest rate since 2020.

🔹Of the 2100 Australians surveyed, 34% of those drink one cup of coffee a day while 50% drink two to three.

🔹1 Coffee a day at $5.90 equals $306.80 per year while 2 coffees a day equals $613.60 per year.

Let’s see if we can save that amount and more by reviewing your current home loan and getting ahead one coffee cup at a time.

Speak to us today for a no obligation loan review to see if we are able to find you a lower interest rate, lower fees and improve your repayment and cashflow strategy.

03/08/2026

🏠⏳ Buyers Don’t need to Rush - Big call on the national property market!

A 30-year property super-cycle that has made Australian homes among the most expensive in the world may finally be coming to an end.

▪️A combination of higher interest rates, record-poor affordability, a slowdown in immigration and the federal government’s budget changes to property taxation may have finally ended a cycle that has pushed home prices way above fair value.

▪️Data released by Cotality this week showed the national property market at its weakest point since the Albanese government came to office in 2022, with capital city values falling by 0.9 per cent last month.

▪️House values in Sydney dropped by 1.7 per cent while they edged down another 1.4 per cent in Melbourne. But every major capital city market is now either slowing or has turned negative.

▪️Most experts now believe that instead of sharp increases over the coming decade, property prices are likely to tread water.

Do you these market conditions impact your property strategy at all?

Feel free to contact us anytime in order to discuss your specific property goals and how we can assist you.

15/07/2026

🏠🙋‍♂️ Back in my day interest rates were 17.5%!

Yes, BUT....... the data now shows that borrowers have actually faced tougher conditions over the past few years.

🔹A new economic analysis has found that, over the past two years, Australian households have faced tougher conditions than they did when the RBA's cash rate reached 17.5 per cent in 1989.

🔹In today's economy higher house prices have led to bigger loans, leaving household budgets susceptible to even the most modest of interest rate rises

🔹Victorian households have highest interest burden as the analysis also found Victorian households are currently paying the highest interest repayments as a share of household income in the country, at 6.9 per cent.

🔹Paying off a home loan has traditionally been a source of financial security. But increasingly, it is becoming a source of financial anxiety as repayment pressures rise again.

The good news is that there are ways we can relieve the repayment pressure valve!

Speak to us today for a no obligation loan review to see if we are able to find you a lower interest rate, lower fees and improve your repayment and cashflow strategy.

01/07/2026

🚨 SMSF Lending Ban for Residential Property
New rules have now passed – SMSFs can no longer use borrowing (LRBAs) to buy residential property.

Industry bodies have expressed concern that the changes risk discouraging investment at a time when Australia continues to face significant housing supply and rental market pressures.

Mortgage and finance brokers are increasingly reporting signs of uncertainty among investors as they assess the impact of proposed tax and housing related reforms. Industry sentiment suggests some investors are delaying decisions, reconsidering future investment plans or taking a more cautious approach to entering the market.

✅ Existing loans are protected

✅ Commercial property still allowed

✅ Ban takes effect mid-August 2026

If you have an SMSF or are thinking about property investment, now is the time to review your options.

👉 Need personalised advice? Drop us a message or call today!

25/06/2026

🏠🙌 Mortgage brokers reach record 81% market share in Australian home lending!

That's more than 8 out of 10 new home loans in Australia, according to the latest MFAA Quarterly Market Share Report.

The result marks the highest mortgage broker market share ever recorded and reinforces the growing role brokers play in helping Australians secure finance in an increasingly complex lending environment.

Over the past eight years, broker market share has grown from 55.3% in March 2018 to 81.0% in March 2026, an increase of 25.7 percentage points.

Having been in the industry for 20 years and experiencing this shift firsthand, the trend shows a significant change in how Australian's choose to access lending by seeking personalised guidance and support throughout the home loan process.

We’d love to assist you any way we can by getting to know you and your needs in order to provide you the best guidance possible.

We can provide you with a no obligation loan health check which can either provide piece of mind by validating the loan product you currently have or potentially save thousands if we can find any interest rate or fee saving benefits.

18/06/2026

🚀🌍 Unlock the Power of Extra Repayments!

The average home loan size in Australia is now $735,000!
This does vary state to state for example Tasmania's is $521K and NSW is $560K but still a high average none the less.

With increasing interest rates and more household debt than ever before, the good news is that there are some things we can do to get ahead and one of those is by making extra home loan repayments.

In the example below, we contributed an extra $400 a month and we were able to;

✅Save almost $200K in interest over the loan term

✅Shave almost 5 years off of the original 30 year loan term making it closer to 25 years.

🙋‍♂️As great as this is, there are a still a couple more things we can do to really improve this further! To find out what those are and to have a no obligation loan review or chat, feel free to call us anytime.

10/06/2026

🏠💰Where would you rather be in Retirement? Start Planning now.

When people think about retirement planning, not many people think about Mortgage Brokers and the benefits they can provide.

Here are some ways a Mortgage Broker can add value:

✅A Structured Repayment Plan
Having a repayment plan in place and considering the frequency of repayments along with any extra repayments you can make over and above the minimum, can literally save hundreds of thousands of dollars over the life of your home loan.

✅Having the Right Loan Product
The right loan product can play a significant role in long term savings when factoring in the interest rate and ongoing fees.

✅Having the Right Loan Structure
Loan products differ even with the same bank so having the right set up whether it be with a Redraw facility or Offset account facility can be detrimental to your longer term property portfolio planning and taxation implications.

✅Property in Superannuation
Borrowing funds to purchase a property in Superannuation is a powerful way to bolter your retirement nest egg. The massive tax advantages in the Superannuation environment means that you can keep more of your rental income and Capital Gains depending on what stage of retirement you are in.

Feel free to call us anytime for a no obligation loan review or chat to find out how we may be able to assist.

03/06/2026

🏠🪴With all the talk about the tax changes for property investors, could an Investment Property in Your Self Managed Super Fund be a key strategy moving forward?

With over 650,000 SMSFs in Australia holding more than $1 trillion in assets, many Australians are choosing to invest in property inside their super.

Here are some key benefits:

✅Significant Tax Advantage #1
Rental income is taxed at just 15% (or 0% in pension phase) — much lower than your personal marginal tax rate.

✅Significant Tax Advantage #2
Hold the property for 12+ months and capital gains are taxed at effectively 10% (or 0% in retirement). This can massively boost your long-term returns.

✅Leverage Your Super
Using a Limited Recourse Borrowing Arrangement (LRBA), your SMSF can borrow to buy property. This means you can control a much larger asset with your existing super balance and benefit from capital growth on the full property value.

✅Bonus for Business Owners: You can even buy your business premises in the SMSF and lease it back at market rates.

Buying property in your SMSF isn’t for everyone — it involves compliance, costs, and strict rules but for the right investor, it can be a powerful wealth-building strategy.

Feel free to call us today for a no obligation chat to see if this may be an option for you.

25/05/2026

💰📉 With the Negative Gearing Changes in the Federal Budget, many are wondering how this will impact property investors and the broader Australian Property Market, here's what we're seeing on the front line;

✅Existing Properties Less Attractive for investors
Already Investors are changing their investment strategies and existing properties have lost their desirability due to cashflow impacts. Some are adapting by looking to purchase a new property as their owner occupied residence to move in to and negatively gear their current home turned investment which was purchased prior to the new rules taking place. Others are looking at new construction properties for investment.

✅Lenders Changing Investment Lending Policy
1 Major lender has already adjusted their servicing calculator to strip out the negative gearing benefits with other lenders on standby to follow. This has created a little bit of a rush for some to get the required loan approved before any further policy changes.

✅Shrinking Borrowing Capactiy
The lending policy change drastically decreases the borrowing capacity for property investors looking to purchase an exsiting property for investment. Additional lending strategy discussions are neccessary in order to maximise borrowing capacity and get closer to the targeted purchase prices.

Contact us today for a no obligation chat about how to navigate this landscape and to see how we may be able to assist you!

12/05/2026

💸📉Rising Home Loan Interest Rates & Cash flow concerns!

With the RBA continuing to put pressure on borrowing costs, many Australian homeowners are feeling the squeeze with higher monthly repayments. There are a few things we can look at in order to help reduce some interim cashflow stress;

✅Comparing other Lenders
We can compare rates from the big banks, smaller lenders, and specialist products in order to see if there are any better interest rates that can provide you some real savings.

✅Increasing the Loan Term
The option exists to increase your current home loan term which can lower the regular mortgage repayment. Bear in mind that this does mean that you will pay more interest over the life of the loan however you can increase home loan repayments again to combat this once we’re over the cashflow hump.

✅Consider Interest Only
Changing the home loan to interest only repayments (either partly or fully) can also reduce your minimum home loan commitment.

Feel free to contact us today to run a free, no-obligation review of your mortgage.

Address

B1/41 Watt Road
Mornington, VIC
3931

Opening Hours

Monday	9am - 5pm
Tuesday	9am - 5pm
Wednesday	9am - 5pm
Thursday	9am - 5pm
Friday	9am - 5pm

Telephone

+61403771556

Website

http://www.zenlend.com.au/

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