Lifte Loans

Lifte Loans The Property Journey Business | Residential & Commercial Finance | Brisbane, QLD
🌐 lifte.com.au/finance-enquiry
📞 0420 604 107 (Call/WhatsApp)

Using equity can unlock growth, but it needs to be done carefully.A clear plan makes all the difference → lifte.com.au/b...
24/06/2026

Using equity can unlock growth, but it needs to be done carefully.
A clear plan makes all the difference → lifte.com.au/bookings

23/06/2026

A lot of people in casual or contract work assume they just have to wait. Get a permanent job first, then apply.

That’s not always true.

The question most lenders are actually trying to answer isn’t “what does your contract say.” It’s “is this income real and is it going to keep coming in.”

If you’ve been in the same role for a while, working consistent hours, in the same industry - that tells a story. Some lenders read that story well. Others don’t look past the employment type.

That gap between lenders is often the difference between a yes and a no.

If you’ve been waiting to apply because you’re not permanent, it might be worth finding out if you actually need to wait at all.

Book in → lifte.com.au/finance-enquiry

Jolly Dua | Credit Rep No. 531734 | National Mortgage Brokers ACL 391209

22/06/2026

Most people don’t think about finance until they have to.

A loan falls due. A property comes up. A business needs cash. And suddenly you’re Googling rates at 11pm wondering if you’re making the right call.

That’s usually when we get the call too.

But the clients who end up in the best position aren’t always the ones who came to us at the right time. They’re the ones who came to us early enough to actually plan.

Because here’s what most people don’t realise until later - the loan you get matters less than how it’s structured. The lender you choose matters less than whether that lender fits your actual situation. And the rate you start with matters less than whether your finance is set up to grow with you.

At Lifte Loans we work across home loans, investment lending, business finance, SMSF and commercial - but the way we approach every single client is the same.

We start with where you’re trying to get to. Not just what you need to borrow today.

Whether that’s buying your first home in Brisbane, building a property portfolio, funding a business, or just figuring out if you’re in the right loan right now - that’s the conversation we’re here for.

If you’ve been meaning to get your finance looked at properly, this is a good place to start.

Book a chat → lifte.com.au/finance-enquiry

Jolly Dua | Credit Rep No. 531734 | National Mortgage Brokers ACL 391209

20/06/2026

Starting a business doesn’t automatically mean you need to wait two years before buying a home or investment property.

Some lenders will consider a shorter trading history if you can clearly show your income is genuine, consistent, and ongoing.

Every situation is different, though if you’ve been putting plans on hold simply because your ABN is new, it may be worth exploring your options sooner than you think.

Book a chat → lifte.com.au/finance-enquiry

Jolly Dua | Credit Rep No. 531734 | National Mortgage Brokers ACL 391209

Airbnb income and your home loan - what actually countsYour Airbnb numbers look great on your dashboard. Your bank might...
20/06/2026

Airbnb income and your home loan - what actually counts

Your Airbnb numbers look great on your dashboard. Your bank might not agree. 📊

Short-term rental income gets treated differently to a standard lease. Some lenders won’t count it at all. Others need 12 months of history first, or want it verified by a managing agent rather than your own earnings screen.

The reason - seasonality, vacancy, and management costs that don’t show up the same way long-term rentals do.

🏠 If your income includes Airbnb and you’re planning to borrow, the lender you choose matters more than usual. Some are generous with short-term rental income. Others won’t touch it.

Worth having that conversation before you assume a number will count.

🏠 Thinking about Airbnb or STR for your investment property in Queensland? Here’s the quick SEQ council guide.A few clie...
20/06/2026

🏠 Thinking about Airbnb or STR for your investment property in Queensland? Here’s the quick SEQ council guide.

A few clients have asked me about short-term rental rules lately, so here’s what’s current right now:

Brisbane - Allowed, no permit needed (paused scheme as of May 2026, could come back)
Gold Coast - Easy in tourist zones, approval needed in low-density residential
Sunshine Coast - No general permit, but rates run ~50% higher
Logan - Licence likely needed for investors, but easiest council if hosting a room in your own home
Moreton Bay & Redland - Approval usually needed for whole-property lets, exemptions if hosting on-site
Ipswich - Depends on zoning, check with council directly

⚠️ Across the board:

• No statewide cap or tax in QLD right now
• Smoke alarm upgrades required everywhere by 1 Jan 2027
• Normal home insurance won’t cover paying guests
• Rental income must be declared to the ATO
• Body corporate by-laws can still restrict or limit short stays, even where council says yes

Rules current as of June 2026. General overview only, always confirm with your council, body corporate and accountant before acting.

19/06/2026

If you work in emergency services - paramedic, nurse, police, firefighter - overtime is often baked into your role, not a bonus on top of it.

Most lenders only count a portion of overtime income because they treat it as inconsistent. But for rostered essential workers, that overtime is often just as reliable as base pay - and some lenders recognise that, counting more of it toward what you can borrow.

This depends on the lender’s specific policy and how your income is documented, not your job title alone.

If you’ve been given a borrowing number based on standard treatment of your overtime, it’s worth getting a second opinion.

Get in touch and we’ll go through your numbers properly: lifte.com.au/finance-enquiry

Jolly Dua | Credit Rep No. 531734 | National Mortgage Brokers ACL 391209

Many doctors and dentists are surprised to learn they may be able to borrow up to 95% with zero LMI.Some lenders offer e...
19/06/2026

Many doctors and dentists are surprised to learn they may be able to borrow up to 95% with zero LMI.

Some lenders offer exclusive policies for eligible medical professionals, but not every lender applies these benefits the same way.

The right lender can make a significant difference.

Book a chat → lifte.com.au/finance-enquiry

Jolly Dua | Credit Rep No. 531734 | National Mortgage Brokers ACL 391209

15/06/2026

There's a question I ask every client before we even open a calculator.

"What does this property need to do for you?"

Getting into a house and land package isn't just a finance decision.
The land, the location, the build - they all shape whether it actually works for your situation long-term.

I help clients think through both sides - the finance and the property.
That's what a property journey looks like when it's done properly.

Book a chat → lifte.com.au/finance-enquiry

Jolly Dua | Credit Rep No. 531734 | National Mortgage Brokers ACL 391209



13/06/2026

More Brisbane buyers are looking at house and land packages right now - and there are a few reasons why.

Fixed pricing. No auction stress. You know what you’re paying from the start.

Stamp duty on the land only. With most H&L packages in Queensland, you don’t pay stamp duty on the build - just the land. That’s a meaningful saving compared to an established property at the same price.

For investors - the May 2026 Federal Budget restricted negative gearing on established investment properties purchased after budget night. New builds are fully exempt. The tax treatment for new builds has actually strengthened.

And for first home buyers in QLD, eligible contracts from 1 May 2025 attract $0 stamp duty on new homes and H&L packages.

The most common thing I see is people assuming they’re not in a position to move. Usually, one conversation changes that.

If you’re thinking about it, start here - link in bio or:
lifte.com.au/finance-enquiry

Jolly Dua | Credit Rep No. 531734 | National Mortgage Brokers ACL 391209



Jolly Dua, CRN 531734 | Lifte Loans | Australian Credit Licence 391209 (National Mortgage Brokers)

Address

Spring Hill, QLD
4000

Telephone

+61420604107

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