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Amit Singh - Home & Investment Loan Specialist, 27 Hunter Street, Parramatta (2026)

After all, there are so many things to think about; the area you want to live, how much you can borrow, what will be your monthly repayment

08/04/2026

🚫 Think you need a big deposit to invest in property? Think again.
Most Australians are stuck on the idea that:
👉 “I need 20% deposit before I can invest”
That’s simply not true.
💡 There are smart strategies that can help you invest in property with little to zero cash savings — if structured correctly.
Here’s how 👇

✅ 1. Use Existing Equity
If you already own a home, you may be sitting on usable equity without even realising it.
👉 This equity can be used as your deposit
👉 No need to save cash again

✅ 2. Guarantor Strategy
Family support can help you:
✔ Avoid deposit requirement
✔ Avoid LMI
✔ Enter the market sooner

✅ 3. Joint Venture / Co-Invest
Partner with someone:
✔ Combine borrowing power
✔ Share deposit + risk
✔ Accelerate portfolio growth

✅ 4. SMSF Property Strategy
Using super to invest in property:
✔ Can reduce out-of-pocket cash
✔ Leverages your retirement funds
✔ Structured correctly = powerful wealth tool

🔥 The real question is:
Are you waiting to “save more”…
or are you ready to start building wealth now?

💬 If you want to explore your options:
👉 Comment INVEST
or
📩 DM me for a free strategy session
Let’s map out how you can enter the market — even if you think you can’t.

Amit Singh
Mortgage Broker | Home & Investment Loan Specialist
Helping Australians build wealth through smart property strategies

17/12/2025

🔥🔥🔥Property Prices Set to Reach New Records in 2026

Australian property values are expected to hit new highs across all capital cities by the end of 2026, driven largely by first-homebuyer demand and easing interest rates.

According to Domain's latest forecast, the housing market is poised for another year of solid growth, with first-home buyers using the expanded First Home Guarantee Scheme creating significant momentum in the early part of the year.

Sydney is projected to see a 7 per cent increase in house prices, pushing the median to approximately $1.92 million and bringing the $2 million threshold within reach.

Melbourne's property market is expected to regain momentum with an estimated rise of around $87,000, taking the median house price to $1.17 million.

Canberra is forecast to approach previous peak levels, heading toward $1.18 million.

More moderate house price growth of 4 to 5 per cent is predicted for Brisbane, Adelaide, and Perth. In these cities, unit prices are expected to outperform houses as buyers increasingly seek more affordable options.

Domain's research suggests the extension of the First Home Guarantee Scheme could lift prices by as much as 6.6 per cent in its first year, creating an effect similar to several interest rate cuts happening simultaneously. This surge in first-home buyer activity is anticipated to be most pronounced early in the year before moderating as new housing supply begins to enter the market.

Investors are likely to benefit from strong conditions in the first half of 2026, supported by solid rental yields and early capital gains, though growth may slow once new stock becomes available. The rental market will continue to face pressure, with rents forecast to increase by approximately 3 per cent across combined capitals. Brisbane, Adelaide, and Perth could see even higher increases of up to 4 per cent, reflecting the ongoing shortage of available rental properties.

For upgraders in Sydney and Melbourne, competition is expected to be more intense, while downsizers may find themselves in a favourable position with higher sale prices and more options, particularly in the unit market.

Domain's Chief of Research and Economics, Dr Nicola Powell, noted that affordability remains a key driver in buyer behaviour. "Australia's housing market is set for another strong year, with demand still high and buyers continuing to chase affordability, particularly in the unit market, which is expected to outperform in several cities," she said." There are encouraging signs on the horizon, with new housing supply starting to come to market as building activity picks up.

While prices and rents will remain elevated, slower population growth, rising incomes and a cautious RBA should help the market move toward more balanced conditions by the end of 2026.

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15/12/2025

3 Reasons Buy Now Pay Later Could Affect Your Ability to Get a Home Loan

Buy Now Pay Later (BNPL) services like Afterpay, Zip, Klarna and others are very popular for splitting purchases into smaller instalments — especially around the holidays. But if you’re planning to apply for a home loan soon, it’s important to understand how BNPL can influence your borrowing capacity and loan approval.

1. BNPL Counts as a Financial Commitment
Even though BNPL may seem interest-free and easy to use, lenders treat it as a form of credit liability when they assess your home loan application. Lenders look at all active financial commitments — including BNPL instalments — when calculating how much of your income is already committed to repayments.
👉 That means:
• Regular BNPL repayments — even small ones — are added to your living expenses when lenders calculate your serviceability.
• Some lenders may even treat your BNPL credit limit (like a ZipPay or Afterpay balance) as potential ongoing debt, similar to a credit card.
Impact: This reduces the amount of loan you might be approved for because less of your income is considered “free” to service a mortgage.

2. BNPL Usage Can Influence Lender Perception of Your Financial Behaviour
Lenders review your bank statements and repayment behaviour during a home loan assessment. Frequent or significant BNPL usage — even if you’re meeting repayments — can signal to lenders that you rely on short-term credit.
While BNPL itself doesn’t automatically prevent approval, lenders may feel less confident about your cash-flow management compared with someone who doesn’t have regular instalment commitments.

3. New BNPL Regulations Mean Greater Scrutiny
As of June 2025 in Australia, BNPL providers are regulated under the National Consumer Credit Protection Act and must conduct credit checks and can report defaults to credit bureaus.
This means:
• Missed BNPL repayments can now be reported and stay on your credit record.
• Lenders can see your BNPL activity alongside other debts and obligations when assessing your loan application.
Impact: If you have defaults or a history of frequent BNPL use, this could negatively affect your creditworthiness and overall borrowing assessment.

What You Can Do
If you’re planning to apply for a home loan soon:
✔ Review your BNPL commitments and assess how they impact your monthly repayments.
✔ Consider paying down or closing BNPL accounts before applying for a mortgage.
✔ Speak with a mortgage broker early — they can help you structure your finances for a stronger application.

14/12/2025

🔍 Borrow up to 90% and Invest Your Super Money to Buy Property
Using your superannuation to invest in property can be a powerful wealth-building strategy — but many people get stuck on the loan side of the process. The good news is that it doesn’t have to be confusing once you understand the structure and rules.
When an SMSF wants to borrow money to buy a property, it must use a Limited Recourse Borrowing Arrangement (LRBA). Under this arrangement, the SMSF can borrow funds to purchase a property without exposing the rest of the fund’s assets to the lender — the lender’s recourse is limited to the property itself.
To make this compliant with super law:
• A bare trust (also called a holding trust) is established. This trust holds legal title to the property while the SMSF retains beneficial ownership. S
• The bare trust is usually set up through a company as trustee — the custodian trustee — so the property can be titled correctly during the loan period.
• Once the loan is fully repaid, the property can be transferred from the bare trust to the SMSF trustee.
This structure allows your SMSF to buy property using borrowed funds, while protecting your other SMSF assets if something goes wrong with the loan.
👉 Important note: SMSFs cannot borrow directly in the same way an individual can — the loan must be structured as an LRBA using the bare trust setup.
How Borrowing Works in an SMSF Property Purchase
📌 Loan-to-Value Ratios (LVR)
SMSF lenders generally offer loans up to 70%-80% of the property’s value — meaning the SMSF needs to contribute the remaining 20-30% (plus acquisition costs) from its own funds. In some rare cases, lenders may go up to 90% LVR under specific conditions.
💡 This means:
• You don’t have to pay 100% cash from your super — the lender provides the rest through the LRBA structure.
• Borrowing capacity is driven by your SMSF’s cash balance, member contributions (such as future super contributions), and expected rental income from the property.
📌 No Personal Borrowing Impact
Because the loan is taken out in the name of the bare trust on behalf of the SMSF — and held within the LRBA structure — it does not count as a personal loan against your personal borrowing capacity. Likewise, your personal borrowing generally does not affect the SMSF’s borrowing unless your personal finances are linked to the SMSF manually.
Like more Clarity on SMSF Property Investment — call us on 0419 509 809

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30/11/2025

Are you ready to turn your dream of owning a home into reality? Do you have a few questions about the home-buying process? or Not sure where to start or feeling confused about how it all works?

We’re hosting a free Zoom Masterclass: “From Renter to Owner: Your First-Home Buyer Roadmap” and I’d love for you to join us.

📆 Date / Time: 03 December 2025 (Wednesday)
Time: 7 PM Sydney Time (AEDT)

Click Here to Save Your Seat: https://amitsingh.lpages.co/fhb-webinar-series/

In just 45 minutes, you’ll learn:

✅A clear, step-by-step overview of the home loan process
✅Changes from 1 October and how they may benefit you
✅Low-deposit home loan options
✅The top five factors that truly impact your home loan
✅The property market outlook
✅Strategies to enter the market today

29/11/2025

🏡 First-Home Buyer Reality Check: What You REALLY Need to Save

We recently helped a first-home buyer buy a land + house package for $1,485,0000:

Land value: $820,000

Build value (house): $665,000

Total purchase price: $1,485,000

So... what does that mean for upfront savings?

✅ Upfront costs breakdown:

5 % deposit on total price → ~ A$74,250

Stamp duty on land (since land value is above the NSW full-exemption threshold) → ~ A$31,660

Miscellaneous (solicitor, legal, paperwork, etc.) → ~ A$3,000

With no LMI (thanks to first-home buyer concessions), total needed cash ≈ A$109,000

⚠️ Important note on stamp duty

Under the First Home Buyers Assistance Scheme (FHBAS) in NSW:

Full stamp duty exemption applies to homes valued up to A$800,000.
Revenue NSW

For vacant land, the exemption only applies up to $350,000 (concessions up to A$450,000).
Revenue NSW

Since our client’s land component was A$820,000 — well above the land-exemption threshold — stamp duty is payable on the full land value.

💡 Bottom line:
When you’re doing a land + build package, always check the land value — not just the total. Even for first-home buyers eligible for FHBAS, a high land value can trigger stamp duty, pushing upfront savings required to A$100K +.

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Address

27 Hunter Street
Parramatta, NSW
2150

Opening Hours

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

Website

http://www.mortgageempire.com.au/

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