LoanFin - Atul Narang

31/05/2026

Negative Gearing - at a glance and important update for anyone with an existing home loan pre-approval ⚠️

Banks are currently updating their borrowing capacity calculators, which means your approved borrowing amount may have changed.

If you already have a pre-approval and are actively looking to buy, it’s a good idea to have your borrowing capacity reviewed again.

Please reach out for a quick review, and we can help you check if your current pre-approval still stacks up.

A quick check now can help avoid stress later.

27/05/2026

Negative gearing changes got you confused? 🤔

Here’s the simple breakdown:

✔ Existing investment properties are grandfathered
✔ New properties still qualify
✔ Owner occupied homes converted to investment are grandfathered

But here’s what most investors aren’t talking about 👇

Your borrowing capacity could change.

Lenders may assess negative gearing benefits differently, which could impact how much you can borrow.

Thinking of investing or converting your home into an investment?

DM me “CHECK” and I’ll help you understand your options.

24/05/2026

🚨 CGT Update

The recent Capital Gains Tax discussions do NOT impact properties purchased under an SMSF.

Here’s how CGT generally works for SMSF property:
✅ 10% tax if the property is held for more than 12 months
✅ 15% tax if sold within 12 months
✅ Potentially 0% tax when sold in retirement phase (subject to fund conditions)

If you're considering buying property through an SMSF or reviewing your investment strategy, understanding the tax implications is critical.

📩 Message LoanFin for tailored SMSF lending guidance.

13/05/2026

🏠 BIG changes for property investors — just announced in last night's Federal Budget.

Here's what you actually need to know:

🔹 NEGATIVE GEARING
From 1 July 2027, negative gearing on established (existing) properties is restricted for any property purchased after 7:30pm on Budget night (12 May 2026).

If you already own — or were under contract before Budget night — nothing changes. You're fully grandfathered.

If you buy an established property from now on, you can still offset rental losses against other rental income and carry losses forward, but you can no longer deduct those losses against your wages or other income.

New builds are the big exception — full negative gearing still applies.

There's a lot to think through here — finance strategy, loan structure, and whether new builds now stack up better for your portfolio.

📩 DM me or drop a comment below — happy to chat through what this means for your situation.

⚠️ Always speak with your accountant for personalised tax advice.

30/04/2026

🏡 How Much Could a 0.25% Rate Rise Cost You?

Even a small increase in interest rates can make a big difference to your monthly home loan repayments.

📈 If rates move from 6.00% to 6.25% (based on a 30-year loan term):

💰 $500,000 Loan → +$81/month
💰 $800,000 Loan → +$129/month
💰 $1,000,000 Loan → +$162/month

That could mean up to nearly $2,000 extra per year for some homeowners.

Now is the right time to review your home loan and see if a better rate or refinance option could save you money.

At LOANFIN, we help you stay ahead of rate changes with smart finance solutions tailored to your needs.

📞 Let’s chat today and make sure your loan is still working for you.

22/04/2026

How much do you actually need in your SMSF to buy property? 🏠📈

A common question I get is whether there’s a legal minimum balance required to start investing in property through a Self-Managed Super Fund.

The short answer: No legal minimum.
The logical answer: You need enough to cover the deposit and stamp duty! 💸

Thinking about using your super to invest? Let’s run the numbers together with a completely obligation-free cash flow sheet. 📊

18/04/2026

Refinancing your home loan could save you thousands 💰

If your rate starts with a 6 or higher… it might be time to review.

With rates starting from 5.68% + cashback options, now is a great time to explore better deals and reduce your repayments.
✔ Lower your monthly repayments
✔ Access equity for investment or renovation
✔ Consolidate debts into one simple loan
✔ Take advantage of cashback offers
No guesswork. No stress. Just clear advice and the right strategy.

📞 DM me or call 0401 659 654 for a quick review, it could be the easiest money you save this year.

02/04/2026

Really grateful for these kind words 🙏

Results like this don’t happen by chance, they come from having the right strategy in place before you make a move.

Whether you’re buying your first home, upgrading, or refinancing, the biggest mistake I see is people starting too late.

If you want clarity on your options and a game plan that actually works in this market:

📩 DM me “HOME” and let’s get you in the right position.

17/03/2026

📢 Lender Rate Update – Key Dates to Know

Following the recent rate rise, major lenders have now confirmed when changes will take effect:

📅 27 March 2026
• CBA
• NAB
• ANZ

📅 31 March 2026
• St.George
• Westpac

If you currently have a variable rate home loan — or you’re planning to buy — these changes will likely impact your repayments and borrowing capacity.

💡 Even small rate changes can make a noticeable difference over time.

If you’d like to understand how this affects your specific situation, feel free to reach out, and I am happy to run the numbers for you.

14/03/2026

🏡 Mortgage update for homeowners

A homeowner messaged me this week after hearing about possible interest rate hikes and asked:

"Should I be worried about my repayments going up again?"

Right now, the big four banks - ANZ, CBA, Westpac and NAB are forecasting two possible rate increases.

📊 If that happens, on a $1M mortgage over 30 years, a 0.50% increase in interest rates (for example, from 5.5% to 6.0%) could add roughly $300–$320 per month to repayments.

But here’s what many borrowers don’t realise…

⚠️ Your lender doesn’t always automatically move you to their most competitive rate.

Sometimes a simple review can help:
✔ reduce your interest rate
✔ improve your loan structure
✔ increase cash flow

💬 If you have a home loan and want to check if your rate is still competitive, comment “REVIEW” or send me a message 0401 659 654.

Happy to run the numbers, no obligation!

You friendly finance & mortgage broker helping with home loans, refinances and SMSF loans. Our local servicing areas include Schofields, Marsden Park and Blacktown.