Hassan Finance

16/08/2026

"Bulk of downturn over in next 3 months" - is now the time to get your ducks in a row to buy in this market now!

Are you wondering where property prices are headed and how long we will remain in the doldrums?

This is a good watch for an understanding of the market from the facts not media hype. It's only 20 minutes -go make a cup of tea and settle in for this quick education piece.

Will the Australian property market crash in 2026, or are we headin...

27/07/2026

🏡 **HELP TO BUY – MORE LENDER CHOICE IS COMING**

Teachers Mutual Bank has announced it is joining the Australian Government’s **Help to Buy shared-equity scheme**, with applications through mortgage brokers available from **6 October 2026**.

Help to Buy is designed to help eligible Australians purchase a home sooner. Under the scheme:

🔹 You need a minimum deposit of **2%**
🔹 The Government may contribute up to **40% for a new home** or **30% for an existing home**
🔹 You borrow the remaining amount through an approved lender
🔹 It is available to eligible first home buyers and previous homeowners returning to the property market

Current taxable income limits are:

🔹 **$103,000** for a single applicant
🔹 **$165,000** for joint applicants or single parents

Teachers Mutual Bank includes **Teachers Mutual Bank, Health Professionals Bank, UniBank and Firefighters Mutual Bank**, opening another pathway for eligible teachers, university employees, health professionals, firefighters and other qualifying members.

Membership eligibility extends beyond the professions named in each bank’s brand, so you may qualify even if you are unsure.

There are only **10,000 Help to Buy places available each financial year**, and income, property price and other eligibility conditions apply.

If you would like to know whether Help to Buy could help you purchase a home—or whether you qualify for membership with Teachers Mutual Bank or one of its associated brands—please contact me for a chat.

📅 You can also book a convenient time here:
[https://calendly.com/hassanfinbookings](https://calendly.com/hassanfinbookings)

*General information only. Eligibility criteria, property price caps, lender requirements and availability apply.*

19/07/2026

I have been providing Reverse mortgages for years. I love this product; it literally changes lives for retirees who want to tap into their equity to improve life quality, travel, cash flow top up or any reason they choose.
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09/07/2026

Proposed changes are on the table for how discretionary trusts, often known as family trusts, are taxed.

Treasury has released a consultation paper looking at a proposed 30% minimum tax rate on taxable income from discretionary trusts, starting from 1 July 2028.

This could be important for business owners, investors and families who use trust structures as part of their financial or property planning.

The good news is that this is still in consultation, and some structures are expected to be excluded, including super funds, deceased estates, charitable trusts and genuine testamentary trusts.

There may also be a three-year rollover relief period for those who decide to restructure.

As always, don’t panic — but do plan ahead.

If you have a family trust and are using it for property or investment purposes, this is a good time to speak with your accountant and review your structure.

And if your lending is connected to a trust structure, I’m happy to help you understand how this may impact your finance options.
3‑year restructuring window – but limits on relief

To support businesses and families that may wish to move out of discretionary trusts, Treasury has proposed expanded rollover relief covering restructures into companies or fixed trusts.

Under the plan, assets can be transferred without triggering immediate capital gains or other income‑tax liabilities, with that relief available for three years from 1 July 2027.

However, the discussion paper said that this relief is confined to tax consequences.

It does not extend to professional fees or state charges, meaning groups that restructure would still be responsible for accounting and legal costs and any stamp duty payable on transfers.

Treasury also said that businesses shifting into companies would gain access to the corporate tax rate and the ability to retain profits within the entity – but would also lose access to the capital gains tax discount or indexation on assets held in the company.

Treasury said it is seeking submissions on several technical questions including the detailed exclusions and core rules for discretionary trusts, the treatment of distributions to tax‑exempt entities such as charities, the handling of excess franking credits, and the design of practical collection mechanisms for the new minimum tax.

Submissions close on 31 July.

Article was from TheAdviser published 10/7/26

03/07/2026

🏡 Buy smart. Sell smarter.

Right now, we're in a quieter property market 😱. That can create opportunities for buyers with less competition and more room to negotiate.

But what if you could buy now 💡... and sell your current home later, when the traditional spring selling season heats up from August and buyer activity often increases?

That's where a 🌁 bridging loan could help.

A bridging loan may allow you to:
✔️ Secure your next home now.
✔️ Move when it suits you.
✔️ Hold onto your current property a little longer.
✔️ Sell into a potentially stronger spring market instead of feeling pressured to sell first.

Every situation is different, and bridging finance isn't the right fit for everyone, but for the right person it can be a great strategy.

Thinking of making a move this year? Ask me about bridging loans and let's see if it's the right option for you.

📞 Book a chat: https://calendly.com/hassanfinbookings

30/06/2026

http://www.htw.com.au/month-in-Financial Review

The latest Property month in Review from Herron Todd White's economist, Cameron Kusher.

Our free monthly property report, the Month in Review identifies the latest movements and trends in property markets across Australia written by our Herron Todd White experts.

24/06/2026

🚨 BIG CHANGES PROPOSED FOR SMSF PROPERTY INVESTORS 🚨

The Federal Government has announced plans to ban new borrowing by SMSFs for the purchase of residential property through Limited Recourse Borrowing Arrangements (LRBAs).

What does this mean?

✅ Existing SMSF residential property loans are expected to be grandfathered.

✅ Existing residential properties already owned by SMSFs are expected to be unaffected.

✅ Refinancing of existing SMSF loans is expected to remain unchanged.

❌ New residential property purchases using SMSF borrowing may no longer be allowed once the legislation takes effect.

The good news?

🏢 Commercial property remains unaffected under the proposed changes.

This means business owners may still be able to use their SMSF to purchase commercial premises, such as offices, warehouses, workshops, medical suites and retail properties, and lease them back to their business under current SMSF rules.

While the legislation is still being finalised, these proposed changes could significantly impact anyone considering buying a residential investment property through their SMSF.

If purchasing residential property through your SMSF has been on your radar, now may be the time to understand your options and seek advice before any changes take effect.

Thinking about using your super to invest in property, refinance an existing SMSF loan, or purchase commercial property through your SMSF? Let's have a chat about your options.

📞 (07) 5492 1445
🌐 hassanfinance.com.au

23/06/2026

**Been told you don’t quite fit the box? Let’s talk.**

Not every borrower fits neatly into the standard government scheme or bank policy checklist — and that doesn’t always mean the answer is **no**.

There may be options for clients who are:

🏡 Short on the usual 5% deposit
🏡 Buying above the First Home Guarantee property caps
🏡 Applying with a partner on a visa
🏡 Not a first home buyer *FHB
🏡 Looking to purchase an investment property

This is where getting the right lending strategy matters. Before you assume you need to wait, save more, pay LMI, or walk away from a property opportunity, let’s look at what options may be available.

📞 Message me to chat, or book a time here:
[https://calendly.com/hassanfinbookings](https://calendly.com/hassanfinbookings)

*Eligibility, lending criteria, terms and conditions apply. This is general information only.*

22/06/2026

💡 Think we only do Home Loans?

Most people know Hassan Finance can help with home loans, but did you know we can also assist with:

🚗 Car Loans
💳 Debt Consolidation Loans
💵 Personal Loans

Whether you're looking to upgrade your vehicle, simplify multiple debts into one repayment, fund renovations, take a holiday, or cover unexpected expenses, we can help find a finance solution that suits your needs.

Why work with a broker?

✅ Access to multiple lenders
✅ Competitive rates and options
✅ Personalised advice
✅ We do the legwork for you

Finance doesn't have to be complicated. Sometimes a quick conversation is all it takes to find a better solution.

📅 Book a free chat:
https://calendly.com/hassanfinbookings/call-back

Or scan the QR code in the image.

Let's find the right loan for you.

21/06/2026

🏡 Not all property markets are moving in the same direction — and that’s the key message from the latest Australian property market update (June 2026).

While headlines often focus on Sydney and Melbourne softening, the story is very different across Brisbane, the Sunshine Coast, Perth and other growth markets.

Brisbane property values are still sitting at record highs, rental markets remain tight, and listings are still below the long-term average. At the same time, higher interest rates mean borrowing capacity is tighter — so having your finance reviewed early is more important than ever.

The market may be quieter, but that can create opportunity for well-prepared buyers.

My message is simple: don’t wait until you find the property to work out your finance.

✅ Know your borrowing capacity
✅ Understand your repayments
✅ Get your pre-approval ready
✅ Be ready to move when the right property comes along

If you’re thinking of buying, refinancing or investing, let’s review your position.

Book a chat here:
https://calendly.com/hassanfinbookings