Diamondmine Home Loans

29/05/2026

This week's Friday Money Wined Up is a must for all self-employed people who are struggling to get a home loan. Vicki talks us through the process to a successfully approved mortgage!

Being self-employed can cause challenges when it comes to applying ...

26/05/2026

Worth a read to help you avoid this Number 1 mistake made by newly separated and divorced women!

There are a number of financial mistakes that women make when newly separated ro divorced... here is the first of those.DOn't let these impact on your abilit...

24/05/2026

There’s been a lot of noise lately around the proposed changes to negative gearing and Capital Gains Tax in the 2026 Federal Budget.

And honestly? Some of the headlines have made it sound like property investing is finished overnight.

But that’s not actually the case.

At this stage, the proposed changes are still not law, and there are important details many people are missing.

Here’s what we know so far:

✔ Existing investment properties are expected to be fully grandfathered under the current rules

✔ Negative gearing is proposed to remain available for new builds

✔ Property expenses like interest, rates, insurance, and depreciation would still remain deductible against rental income

✔ The changes appear more focused on how and when losses can be used — rather than removing investment deductions completely

The bigger takeaway?

𝗦𝘁𝗿𝗮𝘁𝗲𝗴𝘆 𝗺𝗮𝘁𝘁𝗲𝗿𝘀 𝗺𝗼𝗿𝗲 𝘁𝗵𝗮𝗻 𝗲𝘃𝗲𝗿.

The property market is changing, lending conditions are evolving, and finance decisions need to be based on long-term goals — not fear-driven headlines.

That’s why having the right advice around borrowing capacity, loan structure, cash flow, and future planning can make a massive difference.

If you’d like to understand how the proposed Budget changes could affect your borrowing or investment plans, the team at Diamondmine Home Loans is always happy to chat.

📞 Call us today
📧 Or send us an email to get started

23/05/2026

When did you last check your insurance policies still work for you and your circumstances?

Insurance is something we often set and forget, and it can cost you a lot when it comes time to make a claim.

Happy to chat through your policies and see if we can help get them more current for you!

Call Vicki and Alan on 0408 263 332
or email [email protected]

22/05/2026

You may have heard these terms before, but do you know what the importance of each is?
This week, Vicki Mitchell - Taylor talks us through them and explains the differences.

Equity and servicing servicing capacity are terms that you may have heard if you are looking at selling your property and buying a new one. Do you know what ...

21/05/2026

Are you a property investor in Queensland who is trying to figure out the impact on you and your next purchase?
Alan Taylor from Diamondmine Home Loans has broken it down for you in this BLOG.

The 2026 Federal Budget has sparked some of the biggest conversations the Australian property market has seen in years, especially for property investors.

20/05/2026

𝐖𝐡𝐲 𝐌𝐨𝐫𝐞 𝐀𝐮𝐬𝐭𝐫𝐚𝐥𝐢𝐚𝐧𝐬 𝐀𝐫𝐞 𝐂𝐡𝐨𝐨𝐬𝐢𝐧𝐠 𝐌𝐨𝐫𝐭𝐠𝐚𝐠𝐞 𝐁𝐫𝐨𝐤𝐞𝐫𝐬 𝐎𝐯𝐞𝐫 𝐁𝐚𝐧𝐤𝐬...
Here's what's changing:
Banks offer their own products. Brokers compare 45+ lenders and thousands of loan options to find what actually suits you.
Banks assess you one way. Brokers know which lenders understand your income – especially if you're self-employed or a business owner.
Banks charge you fees. Brokers get paid by the lender, so their service costs you nothing.
Banks work for the bank. Brokers work for you.
It's not about loyalty anymore. It's about getting the best deal and expert guidance throughout the process.
Ready to see the difference? Contact Diamondmine Home Loans today.

18/05/2026

When Did You Last Review Your Home Loan? 🏠 Do you even know what your interest rate is currently?

Most people set and forget their home loan. Big mistake.
The lending market changes constantly. New products launch. Rates shift. Your equity grows. Better deals become available.

An annual review could:

✅ Save you $200-500+ per month in repayments
✅ Access better features (offset accounts, redraw)
✅ Unlock equity for renovations or investments
✅ Switch to a more suitable loan structure
✅ Consolidate other debts at lower rates

Takes 30 minutes. It could save you thousands.

𝗙𝗿𝗲𝗲 𝗹𝗼𝗮𝗻 𝗵𝗲𝗮𝗹𝘁𝗵 𝗰𝗵𝗲𝗰𝗸 - 𝗰𝗮𝗹𝗹 𝘂𝘀 𝘁𝗼𝗱𝗮𝘆
📞 𝟭𝟯𝟬𝟬 𝟰𝟵𝟵 𝟰𝟴𝟬
𝗔𝗹𝗮𝗻 & 𝗩𝗶𝗰𝗸𝗶 | 𝗗𝗶𝗮𝗺𝗼𝗻𝗱𝗺𝗶𝗻𝗲 𝗛𝗼𝗺𝗲 𝗟𝗼𝗮𝗻𝘀

www.diamondminehomeloans.com.au

Diamondmine Home Loans offer personalised mortgage & Finance solutions, guiding clients through the home finance process with expert advice, competitive rates

17/05/2026

𝗠𝗼𝗿𝗲 𝗦𝘂𝗽𝗽𝗼𝗿𝘁 𝗳𝗼𝗿 𝗡𝗲𝘄 𝗕𝘂𝗶𝗹𝗱𝘀 𝗶𝗻 𝟮𝟬𝟮𝟲

This year’s Federal Budget delivered continued support for new housing construction, with funding aimed at increasing supply and improving infrastructure around growing communities.

For buyers, that could mean more opportunities in new estates and developments over the next few years. The government has also expanded low-deposit buying schemes designed to help eligible Australians get into the market sooner.

The challenge? More buyers entering the market still means competition remains strong.

That’s why having the right finance strategy matters just as much as finding the right property. Preparation can often be the difference between securing the right loan and the right property for you and not doing so!

16/05/2026

If you aren't sure how the budget will affect you, especially as an investor, this might help you make sense of it!

Are you confused as hell by this weeks budget?Having a broker that really understands how to structure a home loan, how lending policies affect lending power...

14/05/2026

What the 2026 Budget Means for First-Home Buyers

The 2026 Federal Budget has placed a huge focus on housing affordability, especially for first-home buyers. One of the biggest talking points is the proposed reduction to negative gearing and Capital Gains Tax concessions for investors purchasing established homes from July 2027.

The goal? To ease investor competition and create more opportunities for everyday Australians trying to buy their first property.

While it won’t change the market overnight, it could help level the playing field over time.

If you’re thinking about entering the property market, now is the time to start planning. Understanding your borrowing power early can make all the difference when opportunities appear. Give Vicki and Alan a call on 1300 499 480 for a chat about how it affects you

Diamondmine Home Loans offer personalised mortgage & Finance solutions, guiding clients through the home finance process with expert advice, competitive rates