Smartloans Mortgage & Finance Broker

03/06/2026

🚨 NEGATIVE GEARING CHANGES: WHAT PROPERTY INVESTORS NEED TO KNOW 🚨

This week’s Word of the Week is NEGATIVE GEARING — and the timing couldn’t be more relevant.
Following the Federal Budget, lenders are already changing how they assess investment loans.

The key date: 📅 Tuesday 12 May 2026
✅ Properties purchased BEFORE this date may retain negative gearing treatment
✅ Some refinances & new builds may still qualify
❌ Established properties purchased AFTER may not receive the same treatment

Here’s what most people are missing 👇
Legislation hasn’t passed yet — but lenders are updating servicing policy NOW because they must assess loans based on foreseeable future changes.
Two more dates to watch:
📅 22 May — Some lenders increasing variable rates by 0.25% (RBA cash rate rise)
📅 21 May — Tighter policy on company & trust servicing guarantees

Bottom line: Cash flow, structure, and smart finance strategy are about to matter more than ever.
Not tax advice — speak with your accountant. But from a lending perspective, things are moving fast.
If you’re looking to invest, refinance, access equity, or buy before changes fully flow through — DM me now to chat strategy.

29/05/2026

👋 Welcome to Smartloans — I'm Georgie, your mortgage and finance broker.

If you've landed here you're probably feeling one of these:

😤 Your money disappears every month despite earning decent
🏠 You haven't reviewed your home loan in years
🚗 You need car finance but don't want the bank runaround
🏡 You want an investment property but don't know if you can afford it
🔁 You've got multiple debts and want them simplified into one

That's exactly what I do. And I've been doing it for 10 years.

The best first step? Book a free 30-min Cashflow Audit. I'll look at your full picture and tell you straight what's worth fixing and what your options are.

No obligation. No jargon. Just answers. 👇

I take the stress out of loans by matching your situation to the right lenders & policies upfront so you don’t waste time running around banks or doubt yourself

29/05/2026

The 2026 Australian budget has changed the game — whether you’re a homeowner, investor, or looking to buy your first property, there are real opportunities on the table right now. The question is knowing how to position yourself before everyone else catches on.
At Smartloans, we break down exactly what these changes mean for your situation and help you move with confidence.

💬 DM NOW and let’s map out your next move for free.

27/05/2026

The negative gearing rules changed on May 12 and your borrowing power may have already shifted whether you know it or not.

We’ll break down exactly what it means for your situation.

DM NOW.

26/05/2026

Most people think construction loans are complicated.

Truth?

They CAN be… if the loan isn’t structured properly.

But lender policy has become far more flexible than many people realise 👇

Some lenders may now allow:

✅ Land + construction in ONE application
✅ Up to 98% LVR for owner occupiers
✅ Up to 95% LVR for investors
✅ Proposed rental income considered
✅ Granny flat rental income used for servicing
✅ Modular homes accepted
✅ Up to 4 dwellings on one title
✅ Progress payments processed within 24–48 hours
✅ No minimum fit-out requirements
✅ No forced build timeframe in many cases

And one of the biggest opportunities right now?

GRANNY FLATS + DUAL LIVING SETUPS.

Why?

Because many borrowers are trying to improve cash flow, create extra income and build wealth smarter — not just buy a standard home.

There are also family guarantee options that may help eligible borrowers:

•⁠ ⁠Enter the market sooner
•⁠ ⁠Reduce LMI exposure
•⁠ ⁠Use family property as additional security

And importantly 👇

Some structures may allow guarantor SECURITY support only — without relying on guarantor income for servicing.

That can be a game changer for families helping kids get into the market.

Construction lending is no longer just “build a house.”

It’s become a genuine strategy tool for:
•⁠ ⁠Wealth creation
•⁠ ⁠Cash flow improvement
•⁠ ⁠Multi-income properties
•⁠ ⁠Smarter investing

This is not financial or tax advice. Lending policies vary between lenders and applications are subject to approval.

But if you’re considering:
•⁠ ⁠Building
•⁠ ⁠Adding a granny flat
•⁠ ⁠Dual occupancy
•⁠ ⁠Investing
•⁠ ⁠Using family guarantee support

…there may be more options available than you think.

DM now if you want to chat strategy.

investmentproperty

20/05/2026

High income doesn’t always mean financial freedom. The right loan structure can turn debt stress into positive cash flow. DM to be assisted.💰✨