FAM Brokers

03/06/2026

You don’t need a huge budget to make a big difference in your home.

Fresh paint and updated lighting can completely transform a space.
Doing simple DIY like painting or landscaping can save thousands.
Shopping smart by using clearance items or resale platforms can stretch your budget further.
Staging your renovations helps manage cash flow and avoid unnecessary pressure.
Focusing on kitchens, bathrooms, and street appeal can add the most value.

One of the most overlooked steps is understanding how to fund it properly.

Whether it’s using savings or reviewing your equity, how you structure it matters just as much as what you spend.

Small, smart changes over time can create a home you love without overspending.

If you’re considering renovations and want to understand your options, I’m always happy to chat.

Please note this is general information only and does not constitute financial or credit advice. Individual circumstances vary.

02/06/2026

Most homeowners are sitting on equity but not using it strategically. Equity can be one of the most powerful financial tools available, yet it is often misunderstood or left unused.

Used correctly, it can help you:
Fund your next property
Support business growth
Improve your overall financial position

Used without a clear strategy, it can:
Reduce your borrowing capacity
Increase financial pressure
Limit your future options

The difference is not whether you have equity. It is how you use it. If you are curious about what your equity position looks like or how it could be used effectively, it is worth exploring before making your next move. Feel free to reach out if you would like to run through your options.

This is general information provided is general in nature and does not consider your personal objectives or financial situation.

28/05/2026

The proposed FY27 negative gearing reforms are already influencing lender policy across Australia.

While legislation is still pending, lenders are beginning to prepare now, and some servicing calculators are already changing.

Here’s what investors need to know:

✔ Properties under contract before 12 May 2026 are expected to remain grandfathered
✔ New residential builds are expected to retain negative gearing benefits
✔ Commercial property remains largely unaffected
✔ Established property purchases after the proposed dates may face quarantined losses from FY27

What’s changing in lending?
📌 More conservative servicing
📌 Reduced borrowing capacity for investors
📌 Greater scrutiny on trust and company structures
📌 Increased verification requirements
📌 Pressure on timelines and approvals

For investors wanting to:

* Expand portfolios
* Refinance existing debt
* Access equity
* Uncross securities
* Purchase established property
* Buy through trusts or companies

…the next 12 months may be extremely important from a structuring and borrowing perspective.

There are still strong lending solutions available including:
✔ Alt Doc investment lending
✔ Up to 80% LVR
✔ Unlimited cash out for portfolio restructuring
✔ No application fee options
✔ Flexible self-employed income verification
✔ Trust and company lending solutions

📩 If you want to understand how these proposed changes may affect your borrowing capacity, investment strategy or future purchasing plans, reach out for a confidential review before policies tighten further.

⚠ Disclaimer: General information only. This content does not constitute financial, legal, taxation or lending advice. Proposed legislation and lender policy changes may vary and are subject to change. Please seek independent professional advice before acting on this information.

27/05/2026

We’re seeing a significant shift across major lenders when it comes to:

* Family trusts
* Company structures
* Distribution income
* Self-employed borrowers
* Related entity income
* Complex group structures

Several lenders have already tightened policy or reduced appetite entirely for trust lending and complex self-employed applications.

At the same time, lenders are becoming increasingly conservative around:
📉 Negative gearing treatment
📉 Add-back income
📉 Intercompany income
📉 Non-trading entities
📉 Historical business losses or ceased entities

For many business owners and investors, this means lender selection is now critical.

The “big 4” approach is no longer one-size-fits-all.

Some lenders are:
❌ Removing negative gearing benefits from servicing
❌ Tightening trust lending requirements
❌ Requesting more financial verification
❌ Limiting entity structures they will accept

But there are still lenders actively supporting:
✔ Self-employed borrowers
✔ Trust structures
✔ Alt Doc lending
✔ Accountants letter verification
✔ BAS and bank statement servicing
✔ Portfolio restructuring and uncrossing

The right lender strategy can make a substantial difference to approval outcomes and borrowing capacity.

If you’re self-employed, buying through a trust, or restructuring an investment portfolio, now is the time to review your lending structure before policy changes tighten further. This is general information only, and not financial or tax advice.

Contact us if you would like assistance with finance:)

26/05/2026

26/05/2026

🚨 NEGATIVE GEARING CHANGES ARE ALREADY IMPACTING BORROWING POWER 🚨

Even though the Federal Government’s proposed negative gearing reforms haven’t yet been legislated, lenders are already changing policy and servicing calculators NOW.

NAB has confirmed that applications for established investment properties executed after 12 May 2026 may no longer receive negative gearing benefits in servicing unless:
✔ The property qualifies as a “new build”; or
✔ The application is fully approved before lender cut-off dates.

What this means 👇

🏡 Existing property investors may see:

* Reduced borrowing capacity
* Lower servicing outcomes
* More conservative lender assessments
* Reassessments if approvals are delayed

🏗 However, eligible new builds are expected to remain unaffected under proposed rules.

This is becoming a major issue for:
✔ Investors purchasing established property
✔ Clients with multiple investment properties
✔ Self-employed borrowers
✔ Trust and company structures
✔ Clients already close to servicing limits

Timing matters more than ever right now.

If you’re considering:

* Buying an investment property
* Refinancing
* Restructuring debt
* Uncrossing securities
* Purchasing before FY27

📩 Reach out if you’d like to understand how these changes may impact your borrowing capacity or investment strategy and finance. Please note that this is general information only and not financial advice.

22/05/2026

Using your super to invest in property is becoming a more common conversation, particularly for self-employed clients looking to take greater control of their long-term position.

Through an SMSF lending structure, it may be possible to:
Purchase residential or commercial property within super
Leverage existing superannuation balances to acquire an asset
Align lending with long-term retirement and investment goals

However, SMSF lending is very different to standard home or investment loans.

Lenders will assess:
The strength of the SMSF position
Contribution consistency and liquidity
The ability to service the loan within super fund requirements

It is not simply about whether you can buy, it is about whether the structure and lending approach supports the strategy.

I often work with clients at the planning stage to ensure the lending side is aligned before any commitments are made, as restructuring later can be complex.

If you are considering SMSF property from a finance perspective, it is worth understanding how lending works and what lenders will require before moving forward.

Feel free to reach out if you would like to explore how SMSF lending may apply to your situation.

Please note this is general information only and does not constitute credit advice. SMSF lending and structures should be considered based on your individual circumstances and you need to seek financial advice with your Accountant and/ or Financial Planner.

20/05/2026

Your home may already hold opportunity.

Equity can be used to:
Invest
Renovate
Improve your financial position

But it needs to be used strategically.

I often see clients with strong equity — but no clear plan on how to use it effectively.

Knowing your position is the first step.

Please note this is general information only and does not consider your personal objectives.

19/05/2026

Waiting for better conditions could be costing you more than you realise.

Many buyers are holding off, waiting for interest rates to come down. It sounds like a safe strategy, but it does not always work in practice.

While people are waiting:
Property prices in many areas are still rising
Supply remains tight
Demand continues to build

When rates eventually ease, more buyers typically enter the market at the same time. This increases competition and often pushes prices higher.

The cost of waiting is not just about rates. It is also about lost time in the market and missed opportunity to build equity.

If you are unsure whether now or later is the right time for you, it is worth having a conversation based on your position rather than the headlines.

I am always happy to talk through scenarios so you can make an informed decision.

This is general information only. Market conditions and outcomes vary and this is not financial advice.

18/05/2026

The Growth Room Breakfast Workshop is a fantastic opportunity for business owners across a wide range of industries, including construction, trades, engineering, medical, dental, allied health, veterinary, pharmaceutical, manufacturing, warehousing, transport, technology and many more — to come together, learn from experienced professionals, gain practical business insights, and connect with others who understand the challenges and opportunities of running and growing a successful business.
An event focused on supporting businesses to grow smarter, improve efficiencies, strengthen structures, manage cash flow, and build long-term sustainable success while learning from industry experts across legal, accounting, finance, and business coaching 😊 You must register to attend at https://events.humanitix.com/the-growth-room-breakfast-series

Look to FAM Brokers, the premier destination for expert mortgage assistance in Australia. Call us if you’re struggling to secure a mortgage due to bad credit.