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Lend Hub - Mortgage Broker - Loan Expert

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Australia
Scoresby, VIC
Lend Hub - Mortgage Broker - Loan Expert

🏡✨ At Lend Hub, we’re here to make your borrowing journey smooth and joyful! Online Appointments

Let us help you achieve your financial dreams with tailored solutions for every need. Together, we can make your goals a reality! 💪💰

19/08/2026

🏡 **What if you're closer to your first home than you think?**

For many Australians, the biggest barrier to buying their first home isn't always the property.

Sometimes, it's the assumption that they are **not ready yet**.

“I don't have a 20% deposit.”

“I'll wait another year.”

“I probably won't qualify.”

But the first-home-buyer landscape has changed.

For eligible buyers, the **Australian Government 5% Deposit Scheme** may provide a pathway to purchase with as little as a 5% deposit without LMI. Different states may also offer stamp duty concessions, grants or other support.

But government assistance is only one part of the picture.

The real starting point is understanding:

**What can I comfortably afford?
What support could I qualify for?
And how should my finance be structured from the beginning?**

Buying your first home is a big decision. It shouldn't start with assumptions.

**It should start with clarity.**

At **Lend Hub**, we help first home buyers understand the pathway — from the first conversation through to getting the keys.

🌳 **Rooted in trust. Built around your goals.**

**Lend Hub**
*Borrowing got easier.*

11/08/2026

🏡 Opportunities rarely arrive with a warning.

There is an interesting combination developing in the property and lending markets.

Lenders are competing harder for the right borrowers, finance structures are becoming more flexible, and eligible first-home buyers have government support that can materially reduce the deposit hurdle.

But none of that means everyone should rush out and buy.

The more useful question is:

If the right property appeared tomorrow, would you actually know what your finance could do?

For a first-home buyer, that may mean understanding the schemes available.

For an investor, it may mean knowing the right structure and realistic borrowing position.

For a business owner, the finance conversation can be different again.

Markets change. Lending policies change. Opportunities change.

It’s not about timing the market.
It’s about being ready for it.

— Lend Hub
Borrowing got easier.

20/07/2026

🏢 **Commercial property isn't always about the building.**

When people look at commercial property, the first thing they often notice is the location, the land and the building itself.

From a finance perspective, there can be another important part of the conversation.

The **lease**.

A quality tenant, a well-structured lease and reliable rental income may influence how a lender assesses the opportunity.

In many cases, you're not simply buying a property.

You're investing in the income it produces.

**Sometimes, the value isn't only in the bricks. It's in the income behind them.**

14/07/2026

A strong deposit does not always mean strong borrowing power.

For many buyers and investors, total debt compared with income is becoming just as important as the deposit itself.

You may have:
• good income
• usable equity
• a solid deposit

But existing home loans, investment debt, car finance and credit limits can still reduce the next borrowing opportunity.

A useful question to consider is:

“Is my next purchase limited by my deposit—or by my total debt?”

Understanding the real limit early can help shape the right property range, lender choice and buying strategy.

Sometimes the number that matters most is not what you have saved.

It is what you already owe.

— Lend Hub
Borrowing Got Easier

23/06/2026

LEND HUB SMSF PROPERTY SERIES

⚠️ Time may matter now.

The Government has agreed to support a proposed change that may ban NEW SMSF borrowing for residential property.

In simple English:

Today, some SMSFs may be able to borrow through a Limited Recourse Borrowing Arrangement to buy residential investment property.

Under the proposed change, NEW SMSF borrowing for residential property may no longer be available after the transition period.

What appears to be protected:

✅ Existing SMSF borrowing arrangements
✅ Existing SMSF residential property loans
✅ Contracts already signed before commencement
✅ Midstream transactions during the proposed 45-day transition period

What may change:

❌ New SMSF borrowing for residential property going forward

This is not about panic.

It is about timing.

Many Australians have spent years building their super, but have never checked whether it could form part of a property strategy.

If you have been thinking about SMSF property, this may be the time to understand your options before the rules change.

SMSF property is not for everyone.

The structure must be right.
The property must be right.
The lender must be right.
The accountant and broker should work together before anything is signed.

At Lend Hub, we help clients understand the SMSF lending side in plain English — borrowing capacity, lender policy, loan structure, contribution evidence and the finance pathway.

Property wealth through super.
Explained simply.

Lend Hub
Borrowing got easier.

General information only. This is not financial, tax or legal advice. Proposed legislation may change before becoming law.

05/06/2026

🏠 The property isn’t always the problem.

Sometimes, the structure is.

Many investors ask:

“Which property should I buy next?”

But the smarter question may be:

“Will this structure still allow me to buy the property after that?”

With proposed changes around negative gearing, CGT and discretionary trusts, the way a property is owned may become even more important. The Government has proposed limiting negative gearing for future residential investment properties to new builds from 1 July 2027, changing CGT treatment, and introducing a 30% minimum tax for discretionary trusts.

That means investors should be careful before rushing into the next purchase without reviewing the bigger picture.

Personal name. Trust. Company. SMSF.

Each structure may affect borrowing capacity, cash flow, tax outcomes, debt exposure and future lending flexibility differently.

A good property in the wrong structure may still create problems later.

Before signing a contract, speak with your accountant, financial adviser, solicitor and broker.

At Lend Hub, we help clients understand the lending side clearly before they commit — so the finance structure supports the long-term plan.

📩 Thinking about your next property, SMSF loan or investment structure? Ask the question early.

⚠ General information only. This is not tax, legal or financial advice. Credit assistance is subject to lender policy, eligibility and approval. Please seek advice specific to your circumstances.

Lend Hub Pty Ltd
Borrowing got easier
www.lendhub.au

01/06/2026

⏳ The window may still be open.

Over the past few weeks, many investors have been asking:

"Have I already missed the opportunity?"

The answer may surprise you.

While the proposed negative gearing legislation continues through the parliamentary process, some lenders are still assessing investment applications under their existing servicing approach.

What does that mean?

It means the finance landscape is moving, but it hasn't fully settled.

If you've been:
🏠 Thinking about an investment purchase
🔄 Considering a refinance
📈 Reviewing your borrowing capacity
💰 Exploring an SMSF property strategy

now may be the time to understand your options rather than assume they have disappeared.

One thing I have learnt over the years:

The biggest opportunities often exist during periods of uncertainty.

Not because the property changes.

But because most people stop asking questions.

Before making assumptions based on headlines, it may be worth understanding where you stand today.

📩 If you'd like a confidential review of your current borrowing position, feel free to reach out.

Lend Hub Pty Ltd
Borrowing got easier
[www.lendhub.au](http://www.lendhub.au)

⚠ General information only. This is not tax, legal or financial advice. Credit assistance is subject to lender policy, eligibility and approval.

25/05/2026

🚨 Investor lending is changing — and this could affect borrowing capacity.

A key update now appearing in lender policy is how **negative gearing is treated in serviceability assessments** for investment property loans.

The important point is this:

If an investor is buying an established investment property after the Budget announcement date, some lenders may no longer apply negative gearing benefits in borrowing capacity unless the property qualifies as a “new build”.

That means two investors with similar income and deposits may receive different borrowing outcomes depending on:

✅ contract date
✅ unconditional approval date
✅ new build vs established property
✅ refinance vs cash-out
✅ whether the property genuinely adds new housing supply

This is where it gets interesting.

A newly constructed apartment bought off-the-plan may be treated differently to an established house that has simply been extended.

A duplex replacing one old home may be treated differently to a knock-down rebuild that replaces one old freestanding house with another.

So the question is no longer just:

“How much can I borrow?”

The smarter question is:

“Will the lender still include negative gearing in my borrowing assessment for this property?”

This may become very important for:
🏠 property investors
🏗 new build buyers
🔁 refinance clients
💰 investors taking cash-out
🏡 owners converting their home into an investment property

At Lend Hub, we help clients look beyond the headline and understand how lender policy, serviceability and property type may affect the loan outcome.

📩 Thinking of buying or refinancing? Ask before signing — the date and property type may now matter more than before.

⚠ General information only. This is not tax, legal or financial advice. Credit assistance is subject to lender policy, eligibility and approval. Please speak with your accountant or financial adviser regarding tax implications.

Lend Hub Pty Ltd
Borrowing got easier

04/05/2026

Most buyers stress starts before the offer stage. It starts with unclear planning.
Clarity first, property second.

02/05/2026

The Biggest First-Home-Buyer Mistake

Address

Hello@lendhub. Au
Scoresby, VIC
3179

Opening Hours

Monday	9am - 5pm
Tuesday	9am - 5pm
Wednesday	9am - 5pm
Thursday	9am - 5pm
Friday	9am - 5pm
Saturday	10am - 12pm

Telephone

+61430300475

Website

http://www.lendhub.au/

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