UNO Home Loans

UNO Home Loans Epic Service for the entire time you have a home loan from your dedicated UNO broker and our support

27/08/2026

Owner-occupiers don't pay capital gains tax on their own home.

That's the deal when you live in the property you own. Any growth in value while it's your main residence is exempt from capital gains tax, so none of it gets taxed when you sell.

It's one of the reasons owning the home you live in is such a strong way to build wealth over time. No tax bill eating into your gains along the way.

Now you know.

Want to know how to make the most of your position? Book a call with a UNO broker → https://www.unohomeloans.com.au/brokers

Disclaimer: The content shared here is general information only, and should not be considered financial or tax advice. It does not take into account your personal objectives, financial situation, or specific needs. You should always seek independent advice from a licensed planner or tax advisor.
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UNO Home Loans

27/08/2026

A knock-down rebuild may be treated as a brand new property under this year's tax changes.

If you knock down a property and rebuild, the new build is treated as a new property under the tax regime introduced in 2026. That is different to how these projects were treated before.

But if your project adds real value through a knock-down rebuild, or through subdivision into more than one property, you may still be able to access the CGT and negative gearing benefits that applied under the previous rules.

This is a complex area and how you structure it matters. Talk to a broker before you commit to a rebuild or subdivision plan.

Now you know.

Book a call with a UNO broker → https://www.unohomeloans.com.au/brokers

Disclaimer: The content shared here is general information only, and should not be considered financial or tax advice. It does not take into account your personal objectives, financial situation, or specific needs. You should always seek independent advice from a licensed planner or tax advisor.
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UNO Home Loans

Persistent when others walk away. Thousands saved. Nathalie! "A massive thank you to Nathalie and her team. I've dealt w...
26/08/2026

Persistent when others walk away. Thousands saved. Nathalie!

"A massive thank you to Nathalie and her team. I've dealt with many brokers who will quickly throw their hands up and walk away if they think even a small issue will impact a deal.

Not Nathalie! Not only will share compare different loans, she'll actually dig into the exact lending criteria and will do whatever it takes to achieve your goal. She saved us literally thousands per month on our refinance!

Thank you again guys, truly are the best! "

- Riley

See Nathalie's reviews, her UNO profile and schedule a time with her at - https://www.unohomeloans.com.au/brokers/nathalie-pelissier-mortgage-broker
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UNO Home Loans

26/08/2026

Most people with a home loan don't actually know the difference between an offset and a redraw, and getting it wrong may cost thousands.

An offset account is linked to your loan and works for most people most of the time. Every dollar sitting in it reduces the interest you're charged, without you having to do anything extra.

A redraw is different. It's better for putting extra repayments aside and locking them away, so you're not tempted to dip into that money every day. If you're diligent and keep a reasonable balance, it can be worth paying a bit more for an offset instead, because every dollar in there is working to cut your mortgage interest every single month.

Now you know.

Not sure if your current loan features are working for you? Check your loan health with loanScore → https://loanscore.com.au/
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UNO Home Loans

Declined once, twice, three times, and no one could tell this family why. Turns out it wasn't the lender. It was multipl...
25/08/2026

Declined once, twice, three times, and no one could tell this family why.

Turns out it wasn't the lender. It was multiple credit enquiries quietly working against them, without them even realising it.

Once we identified the real issue, we matched them with the right lender and the right structure, and had them approved and funded within a week, so they could get back on the road.

The right advice isn't just about finding a lender. It's about understanding the full picture - where, how and why to apply.

Wondering if hidden credit enquiries could be holding your finance application back? Reach out to Jessica Southerwood today for a strategy that actually fits your situation - https://www.unohomeloans.com.au/brokers/jessica-southerwood-mortgage-broker
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UNO Home Loans

25/08/2026

You may sell an old home years after moving out and still pay zero capital gains tax.

There's a rule called the 6-year absence rule. It lets you keep treating a property as your main residence, even after you move out and rent it, for up to 6 years. Sell within that window and you can avoid capital gains tax altogether.

Move back in at any point and move out again, and the clock resets. It is one of the easiest ways to keep building wealth without getting stung at tax time. Just know that if you buy a new place to live in, the exemption shifts to that property instead, so there are some things worth thinking through first.

Now you know.

Talk to a broker about your situation → https://www.unohomeloans.com.au/brokers

Disclaimer: The content shared here is general information only, and should not be considered financial or tax advice. It does not take into account your personal objectives, financial situation, or specific needs. You should always seek independent advice from a licensed planner or tax advisor.
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UNO Home Loans

Buying your first home isn't just about finding the right property. It's about building the right process.In UNO's "So Y...
24/08/2026

Buying your first home isn't just about finding the right property. It's about building the right process.

In UNO's "So You Know" podcast, CEO Vincent Turner sat down with Veronica Morgan and Meighan Wells of the Homebuyer Academy to unpack what actually separates a smooth purchase from a stressful one.

Their advice: assemble your support crew early (broker, solicitor, inspector), get financial clarity before you start browsing listings, and approach real estate agents strategically rather than passively. They also flag a common trap: chasing grants or rentvesting without weighing the long term financial trade offs.

Preparation beats reaction every time. Run your own numbers online at https://app.unohomeloans.com.au/onboarding?referrer=social

Read the full article at https://www.unohomeloans.com.au/articles/mastering-the-first-home-buying-journey-proven-strategies-for-success
Listen to the podcast here - https://open.spotify.com/episode/47yEDI1A4jKyc2HjZUESSu?si=jx7MN97QQf2_N8L36q2pwQ
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UNO Home Loans

24/08/2026

Turning your family home into an investment property can be one of the smartest tax-effective ways to build wealth.

When you convert an owner-occupied property into an investment, you skip the costs that usually come with selling. You may also qualify for a capital gains tax exemption for up to six years, as long as you don't buy a new primary residence in that time. That means your equity can keep growing without triggering CGT.

Depending on the property, you might also still be eligible for negative gearing benefits under the old rules. Every situation is different, so talk to your accountant about what applies to you.

Now you know.

Talk to one of our brokers to see if this strategy is right for you → https://www.unohomeloans.com.au/brokers

Disclaimer: The content shared here is general information only, and should not be considered financial or tax advice. It does not take into account your personal objectives, financial situation, or specific needs. You should always seek independent advice from a licensed planner or tax advisor.
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UNO Home Loans

20/08/2026

You may stack state and federal government schemes when buying your first home.

If you buy in the right state, you could already be eligible for a stamp duty exemption or a first homeowner grant on a new build.

What most buyers don't realise is you may layer these state level perks on top of federal schemes too, like a deposit guarantee scheme or the First Home Super Saver Scheme.

Combine the right schemes and you could be looking at a smaller deposit, no stamp duty, and a faster path to your first home.

Now you know.

Run your own numbers → https://app.unohomeloans.com.au/onboarding?step=start-plan&referrer=social
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UNO Home Loans

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Sydney, NSW
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