Lush Financial

14/05/2026

Proposed budget reforms to CGT & negative gearing courtesy of duotax.com.au

13/05/2026

A high level visual snapshot of last nights Federal budget impact on individuals and businesses. For a detailed summary including key points on the Health plus Regional & Agribusiness sectors - head to nab.com.au/federalbudget

10/05/2026

Offset vs Redraw - they are NOT the same thing!

It is really important to understand the difference between an offset and a redraw facility, when it comes to interest deductibility eligibility. While both can help reduce interest, they work very differently - especially if a property later becomes an investment. This article does a great job explaining the two:

If you are buying a home that you may later turn into an Investment Property, not understanding the difference between a redraw vs offset this could cost you tens of thousands of dollars in lost tax deductions.

10/05/2026

Recent reports suggest proposed property tax reforms may preserve negative gearing for current investors, while potentially limiting it to new builds only for future purchases.

However, changes to the Capital Gains Tax (CGT) discount are still being discussed — and unlike negative gearing, these reforms could affect existing property investors as well.

For many Australians, that could have a significant impact on:
• Long-term investment returns
• Future property decisions
• Portfolio and exit strategies

With tax settings, interest rates and lending policies continuing to evolve, investors are paying close attention to what these changes could mean for the property market moving forward.

Landlords who currently negatively gear properties in Australia will be exempted from the changes to be unveiled on budget night sparing millions of property investors.

13/04/2026

Сделка почти сорвалась… но успели всё развернуть за 5 дней!

Клиент пришёл ко мне уже после того, как у другого банка не сошлась оценка и покупка инвестиционной недвижимости через trust оказалась под угрозой 🥶

Быстро перешли на рефинансирование в другой банк + высвобождение капитала.

За 5 рабочих дней:
✔️ Получили нужную оценку
✔️ Всё одобрили
✔️ Перевели кредит в новый банк
✔️ Вытащили капитал и успели на сделку

Без лишнего стресса для клиента и за счёт сильных отношений с банками, проактивной работы и чёткой коммуникации.

В итоге сделка состоялась 🤝

Если у вас что-то “застряло” с банком или нужна вторая точка зрения, пожалуйста пишите в личку.

www.lushfinancial.com.au

10/04/2026

𝐃𝐞𝐚𝐥 𝐚𝐥𝐦𝐨𝐬𝐭 𝐟𝐞𝐥𝐥 𝐨𝐯𝐞𝐫 - 𝐮𝐧𝐭𝐢𝐥 𝐰𝐞 𝐬𝐭𝐞𝐩𝐩𝐞𝐝 𝐢𝐧...

A client came to us after their original deal (with another lender) hit a major roadblock — the valuation came in short, putting their investment property purchase in a trust at risk 🥶.

We made the call to move quickly with an external refinance + equity release… and very little time to get it done.

From there, everything had to line up fast.

Within just 5 business days, we:
✔️ Took over the deal mid-process
✔️ Secured a workable valuation
✔️ Got approval, issued & signed loan documents
✔️ Released equity for the purchase and;
✔️ Moved the loan to a new lender (external refinance)

It wasn’t straightforward, and timing was tight… but with strong lender relationships, proactive management and clear communication, we got it over the line.

End result: client secured the property and executed their strategy as planned 🤝

Not every broker will jump into a deal this late — but when things get tricky, having someone in your corner who can move fast and find a solution makes all the difference.

If you’re hitting roadblocks with your current lender or application, feel free to reach out for a second opinion.

www.lushfinancial.com.au

30/03/2026

As a First Home Buyer, Can You Afford to Wait Another 5 Years?

Many people delay their purchase hoping to save a larger deposit, but the latest data suggests that waiting might actually be moving the finish line further away. According to the Domain First Home Buyer Report (Feb 2026), the market is moving faster than most can save - https://insight.domain.com.au/research-insights/reports/first-home-buyer-report-2026/

Often, the cost of waiting exceeds the cost of entering the market sooner with a smaller deposit or by utilising government support schemes.

Stop chasing the market and start planning your entry. Let’s look at your numbers today and see what options are available to get you into your first home sooner.

DM me for a confidential strategy session to see if you're closer than you think!

20/03/2026

Rate rise again… how much is your home loan costing you now?

The Reserve Bank of Australia has lifted interest rates, and many borrowers will start to feel it in their monthly repayments.

Most people just accept the increase…
But a quick review could make a real difference.

You might be able to:
• Reduce your repayments
• Get a better rate
• Restructure your loan to suit your current goals

If it’s been a while since you reviewed your loan, now is a great time to check in.

❓Curious — have you reviewed your home loan in the last 12 months?

📩 If not, feel free to message me for a quick, no-pressure chat.

www.lushfinancial.com.au