Virdee Finance & Mortgage Services

Virdee Finance & Mortgage Services Mav Virdee
Helping Australians Achieve Financial Freedom
✨ Home Loans | Refinancing | Investment Loans
💼 Business Lending & ATO Debt Solutions

27/04/2026

Self Managed Superannuation Fund setup costs and ongoing costs

22/04/2026

Property investment through an SMSF is surrounded by a lot of confusion and misinformation.

In this reel, I’m breaking down some of the most common myths people believe about buying property through a Self-Managed Super Fund — and what the reality actually looks like.

It can be a powerful strategy when structured correctly, but it’s definitely not a one-size-fits-all solution.

Watch till the end and message Virdee Finance if you’re considering SMSF property and want clarity before making a move.

14/03/2026

Nobody tells you how many steps are actually involved in buying your first home! 😅🏡

I’m walking you through the whole process so there are zero surprises along the way. Watch till the end — you’ll thank yourself later! 👇

13/03/2026

Only 6 months in business and need funding? 💼💰

Good news — there are business loan and business overdraft options available even if your business is still new 👇

✔️ As little as 6 months of business banking
✔️ No financials, BAS, or tax returns required
✔️ Suitable for startups and recently established businesses

These facilities can help with cash flow, working capital, or day-to-day expenses — but they’re not for everyone and need to be structured carefully.

📩 Reach out if you want to check eligibility and see which option suits your business best.

12/03/2026

Should you use your savings for a 20% deposit and stamp duty on an investment property? 💰🏘️

It might seem like the obvious choice — but it’s not always the most tax-effective strategy 👇

Instead of using cash for the investment purchase, in many cases it can be smarter to:
✔️ Use savings to pay down your owner-occupied home loan
✔️ Borrow as much as possible for the investment property
✔️ Maximise tax-deductible interest on the investment loan

This approach can improve cash flow and make your overall structure more efficient — but it needs to be done correctly.

Everyone’s situation is different, so professional advice is key.
📩 Message me if you want to structure it the right way from the start.

11/03/2026

Two common mistakes first-time property investors make 👇

❌ Using cash savings for the full 20% deposit + stamp duty
This can drain your cash and reduce flexibility. In many cases, keeping savings aside and structuring the loan correctly can work better for cash flow and future investing.

❌ Choosing Principal & Interest instead of Interest-Only
P&I isn’t always bad — but for investors, Interest-Only can improve cash flow and help with tax efficiency, especially in the early years.

The right strategy depends on your goals, income and long-term plans.
📩 Reach out if you want to structure your investment loan the right way from day one.

10/03/2026

Planning to turn your home into an investment property? 🏡➡️💰

Be careful about where you keep your savings.

If you’re planning to convert your owner-occupied home into an investment property, putting extra savings into the redraw account may not always be the best idea 👇

⚠️ When you redraw that money later for personal use, the interest on that portion may not be tax deductible
⚠️ It can make the loan structure more complicated
⚠️ It may reduce the tax benefits once the property becomes an investment

A better option in many cases is keeping savings in an offset account, which gives flexibility without affecting deductibility.

Loan structure can make a big difference when turning a home into an investment property.
📩 Reach out if you want to set it up the right way before making the move.

08/03/2026

Thinking of using equity from your home loan to buy a car? 🚗💰

It can be tempting because home loan interest rates are usually lower than car loans. But there are a few things to keep in mind 👇

⚠️ You could end up paying for the car over 20–30 years
⚠️ The total interest paid could be much higher
⚠️ Your home is used as security for the debt

If you do decide to use equity, a smart strategy is to treat it like a car loan and make extra repayments so it’s paid off in around 5 years instead of the full loan term.

That way you can reduce the interest and clear the debt much faster.

📩 If you want to explore the best way to structure your loan, feel free to reach out.

27/02/2026

Building your home in Victoria using the 5% deposit scheme? Here’s how the numbers stack up 👇

🏡 Land price: $400,000
🏗️ Construction cost: $400,000
💰 Total purchase price: $800,000

💵 Deposit (5%): $40,000
📄 Stamp duty (approx.): $1,500

➡️ Total funds needed: around $43,000

💳 Loan amount: $760,000
📆 Estimated repayments: ~$4,400 per month
⏳ Loan term: 30 years

This may be possible under the First Home Guarantee, helping eligible buyers build with a low deposit and no LMI.

Figures are indicative only and will vary based on rates and lender policy.
📩 Message me if you want to check your eligibility and run personalised numbers.

26/02/2026

Buying an established home in Victoria for $700,000 under the 5% deposit scheme? Here’s the breakdown 👇

🏡 Purchase price: $700,000
💰 Deposit (5%): $35,000
📄 Stamp duty (approx.): $26,500

➡️ Total funds needed: around $63,000

💳 Loan amount: $665,000
📆 Estimated repayments: ~$3,850 per month
⏳ Loan term: 30 years

This can be done under the First Home Guarantee, which allows eligible buyers to purchase with a low deposit and no LMI.

Figures are indicative and will vary based on rates and your situation.
📩 Reach out if you want a personalised assessment.

Wishing you a successful Lohri and a year filled with financial strength, growth, and happiness. 🔥✨
12/01/2026

Wishing you a successful Lohri and a year filled with financial strength, growth, and happiness. 🔥✨

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Springfield, QLD
4300

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