ZedPlus Accounting and Finance

15/10/2026

Myths busted.

Mortgage brokers get a bad rap, and much of it stems from confusion about what we actually do. So let’s clear it up:

❌ Brokers approve your loan. The lender makes the final decision. We find the right lender and get your application ready.
❌ Brokers work for the bank. We work for you, with a legal duty to put your interests first.
❌ Brokers are only for first home buyers. Refinancing, investing, upgrading, we help with it all.

Whether you are buying your first home, thinking about refinancing, or just wondering if your current loan is still a good fit, we’re here to explain your options.

Want to know your home loan options? Book a call with our loan experts today.

🌐 https://zedplus.net.au/ ☎ 1300 933 758



[mortgage broker Australia, home loan options, mortgage broker myths, home loan approval, mortgage broker benefits, refinancing home loan, first home buyer support, investment property loans, lender comparison, mortgage advice Australia]

13/10/2026

Buying an investment property?

The right loan structure can be the difference between a portfolio that grows and one that stalls. Two borrowers can buy the same property at the same rate and end up with very different outcomes, depending on how their loans are set up.
Rate matters. Structure matters more.

At ZedPlus, our lending team looks beyond the rate to the full picture, including how your loans, cash flow and tax position work together as your portfolio grows.
Thinking about your next investment property?

Contact us today, and let's get the structure right from the start.

🌐 https://zedplus.net.au/ ☎ 1300 933 758



[investment property loans Australia, property investment strategy, investment loan structure, mortgage broker Australia, property portfolio growth, investment property finance, loan structure for investors, property investor cash flow, property investment planning, Australian property market ]

11/10/2026

Outgrown your current space? Deciding whether to pack up and move or stay put and renovate is one of the biggest property dilemmas.

Here is what you need to weigh up before making your next move:
◉ Moving: Factor in upfront costs like stamp duty, agent commissions, and moving expenses.
◉ Renovating: Keep your address and upgrade your living space without starting over.
◉ The Numbers: Compare how equity, loan repayments, and your long-term goals stack up for both choices.

Your loan structure matters just as much as the project itself. The right setup can help either path work harder for your budget.

💬 Let’s compare your options. Contact our team today to map out your next step.

🌐 https://zedplus.net.au/ ☎ 1300 933 758



[move or renovate Australia, home renovation vs moving, home upgrade options, home loan options Australia, property decisions, mortgage broker Australia, stamp duty costs, home equity, mortgage repayments, property finance planning]

09/10/2026

Ready to step onto the property ladder? 🏡
Make sure you have the right clarity before you sign a thing:

1. What is my true borrowing capacity?
2. What minimum deposit do I actually need?
3. Which lender matches my income structure?
4. Do I qualify for active government grants?
5. What upfront costs should I prepare for?

Get in touch with us today and let’s map out all five answers together.

🌐 https://zedplus.net.au/ ☎ 1300 933 758



[first home buyer Australia, first home loan, borrowing capacity, minimum home deposit, home loan lenders, first home buyer grants, government home buyer schemes, upfront home buying costs, mortgage broker Australia, first home buying tips]

07/10/2026

Cross-collateralisation: the loan term most property investors nod along to.

It means your lender holds more than one property as security for your loans. That can limit your options later, because selling one property may mean the proceeds go towards loans secured by both, instead of freeing up cash.

Before you buy, sell or refinance, it's worth asking:

1. Are my properties linked as security under the same loan arrangement?
2. What options do I have if I want to sell or refinance?

Not sure how your loans are structured? Talk to our lending team and we'll walk you through your options.

🌐 https://zedplus.net.au/ ☎ 1300 933 758



[cross-collateralisation, cross collateralised loans, investment property loans, property investor Australia, loan structure, mortgage broker Australia, property finance, refinancing investment property, home loan structure, property investment strategy]

04/10/2026

Found your next home before selling your current one?

A bridging loan can help eligible homeowners secure their next property while giving them time to sell their existing home.

It can provide flexibility during the transition, without forcing both property transactions to happen at exactly the same time.

The right structure will depend on your existing mortgage, property equity, borrowing capacity and expected sale timeframe.

Planning your next move? Talk to the ZedPlus lending team about your options today.

🌐 https://zedplus.net.au/ ☎ 1300 933 758



[bridging loan, bridging finance, buying before selling, property equity, home loan options, property finance, borrowing capacity]

01/10/2026

Mortgage myths can make the home loan process feel more complicated than it needs to be.

From how much deposit you need to whether refinancing is worth considering, understanding the facts can help you make more informed decisions about your next move.

At ZedPlus, we help you understand your options, compare suitable lenders and navigate the lending process with clarity.

Have a mortgage question? Get in touch with the ZedPlus team today.

🌐 https://zedplus.net.au/ ☎ 1300 933 758



[mortgage myths, mortgage facts, home loan options, mortgage broker Australia, first home buyer support, refinancing options, property finance, loan guidance]

01/10/2026

The 50% CGT discount is being replaced from 1 July 2027.

From that date, the flat discount gives way to an inflation-indexed cost base, with a minimum 30% tax rate on real gains.

What property investors need to know:
◆ Gains accrued before 1 July 2027 can still use the current discount
◆ Gains accruing from that date fall under the new rules
◆ Eligible new builds may keep the 50% discount
◆ Your main residence remains CGT exempt

Your contract date, not your settlement date, decides which rules apply.

Not sure which rules apply to your properties? Our latest blog walks you through it step by step. Link in bio.

[https://zedplus.net.au/insights/50-cgt-discount-changes-2027/]

Wondering how these rules affect your tax bill? Get in touch with us today.

🌐 https://zedplus.net.au/ ☎ 1300 933 758



[50% CGT discount, capital gains tax Australia, CGT changes 2027, property investor tax, investment property tax, Australian property tax, CGT discount changes, property investment Australia, capital gains tax changes, property tax planning ]

Learn how the 50% CGT discount is being replaced with inflation indexation from 1 July 2027, what it means for investors, and how to prepare.

29/09/2026

Just refinanced? Before you celebrate, let’s check the fine print.

The headline rate is only part of the refinancing story. Fees, the comparison rate and your total loan cost can change what the deal actually means for you over time.

It’s not just about the rate that grabs your attention. It’s about understanding what you’ll actually pay.

Contact ZedPlus today and let’s break down the real numbers behind your refinance.

🌐 https://zedplus.net.au/ ☎ 1300 933 758



[home loan refinancing, refinance costs, comparison rate, refinancing fees, total loan cost, mortgage repayments, lender comparison, home loan review]

29/09/2026

The RBA has lifted the cash rate by 0.25% to 4.60%, the fourth hike this year. 📈

Borrowing costs are now at their highest level in years, and lenders are expected to pass the increase on quickly.

If a lender passes on the increase in full, the indicative impact on a 30-year principal-and-interest loan is:

➜ On a $600,000 loan: Around $95 extra per month
➜ On a $1,000,000 loan: Around $160 extra per month

Don't just accept the hike from your current bank. Get in touch with our lending team today to compare your rate against 40+ lenders and see if you can do better.

🌐 https://zedplus.net.au/ ☎ 1300 933 758