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22/10/2026

If you’re self-employed and a bank told you that you can’t borrow much, there’s a good chance they’ve undercounted your income.

Here’s why. Your accountant’s job is to keep your taxable income low, so you pay less tax. But a lender assesses you on that same low number. So on paper, you can look like you earn far less than you actually do.

That’s where add-backs come in. There are expenses in your financials that aren’t really cash out the door, and a good broker can add them back in to show your true earning capacity:

→ Depreciation
→ One-off or non-recurring costs
→ Extra super contributions
→ Interest on debt being refinanced
→ Rent you’ll save if you’re buying your own premises

Done properly, this can lift your assessed income by tens of thousands of dollars, which flows straight through to how much you can borrow.

The catch is that every lender treats add-backs differently. The same financials can get you two completely different answers at two different lenders, which is exactly where the right broker earns their keep.

If your borrowing capacity has come back lower than you expected, it’s worth a second look. The full guide is linked in the comments.

General information only. Not financial advice. Seek advice specific to your situation.

14/10/2026

Recently settled, and this one’s a good one.

A business owner who’d been renting their premises for years now owns that same space through their self-managed super fund. Instead of rent going to a landlord, it goes into their own super, pays down an asset they own, and is taxed at just 15% inside the fund.

It’s one of the most powerful things super can do for a business owner, and the recent SMSF changes didn’t touch it. Those only affected residential property. Buying your business premises this way is still wide open.

What made it work was getting the structure right from day one: the holding trust in place before contracts, a proper market-rent lease, and the right lender for the fund.

If you own a business and you’re tired of paying rent, this might be worth a look. Happy to tell you whether it could work for your situation.

General information only. Not financial advice. Seek advice specific to your situation.

10/10/2026

The government just closed the door on buying residential property through your super. But the commercial property pathway is still wide open.

If you've got an SMSF and you've been thinking about using it to buy an investment property, residential is off the table for most people now. Commercial is a completely different story.

A tenanted commercial property, a retail shop, a warehouse, a professional office, can still be purchased inside your SMSF using a loan structure designed specifically for super funds. The rent goes into your fund and is taxed at the concessional super rate rather than your personal marginal rate, and the asset grows inside that low-tax environment over time.

I'm Dawood, a Sydney-based finance broker, and SMSF lending is what I know best. With a background in commercial banking at Westpac and years structuring these deals, I can tell you quickly whether this works for your fund.

If you've got an SMSF with a reasonable balance and you want a straight answer on whether commercial property could work as your next investment, click the link and fill in the short form. I'll come back to you personally.

General information only. Not financial advice. Seek advice specific to your situation.

08/10/2026

"I've only been self-employed a year, so I know I can't get a home loan yet."

It's one of the most common things we hear, and most of the time it simply isn't true.

Yes, most major banks want to see two years of financials. But a growing number of specialist and non-bank lenders will consider you with just twelve months of trading, and in some cases even less, if the rest of your position stacks up.

What makes the difference:

→ A deposit of around 20%, which widens your options and avoids lenders mortgage insurance
→ One lodged tax return, plus consistent BAS and clean bank statements
→ Prior experience in the same industry (going from employee to running your own show in the same field is a big tick)
→ A clean credit history

There's often a smart play here too: get into the property now on the right loan, then refinance to sharper pricing once you've got two years of returns behind you.

If you've been assuming you have to wait, it's worth a proper conversation first. The full guide is linked in the comments.

General information only. Not financial advice. Seek advice specific to your situation.

09/09/2026

"The bank said no." If you've heard that on a commercial deal, watch this before you give up on it.

Most of the time, a decline isn't a verdict on whether the numbers work. It's a good file sitting with the wrong lender. I spent nearly ten years at Westpac and Suncorp before becoming a broker, so I've sat on the side of the desk that issues these knock-backs, and that's almost always what's really going on.

The biggest mistake people make is walking straight into the next bank with the same application. Same policy, same answer. The better move is to understand why you were declined, then take the file to a lender who actually fits it, whether that's a second-tier bank, a non-bank lender who reads self-employed income properly, or a structure built around the lease.

Have a watch, and the full guide is linked in the comments.

If a bank has recently declined a commercial purchase, it's worth a second look before you walk away.

31/08/2026

If you own a business and pay rent every month, watch this one.

There's a way to stop paying off someone else's asset and start building your own: your self-managed super fund buys the premises your business works from, and your business leases it back at market rent.

Instead of that rent going to a landlord, it goes into your own super. It's still tax-deductible to the business, but now it's paying down an asset you own, taxed at just 15% inside super.

And after the recent super changes, this matters more than ever. The ban on super borrowing only applies to residential property. Buying your business premises this way is completely unaffected.

It has to be set up properly, at genuine market rent and in the right order, but done right it's one of the most powerful things super can do for a business owner.

Have a watch, and the full guide is linked in the comments if you'd like the detail.

General information only. Not financial or tax advice. Seek advice specific to your situation.

11/08/2026

The rules on using your super to buy property have changed, so here's a quick explainer on what it means.

From 10 August 2026, self-managed super funds can no longer take out new loans to buy residential investment property. If your fund already owns a property with a loan, nothing changes for you.

But here's the part most of the coverage skipped: the ban is residential only. You can still borrow inside your super to buy commercial property, including the premises your own business works from, and lease it back to your business. For a business owner paying rent every month, that rent could be building an asset you own instead.

Have a watch, and if you'd like the full detail, the complete guide is linked in the comments.

General information only. Not financial or tax advice.

13/07/2026

The rules on using your super to buy property have changed.

From 10 August 2026, self-managed super funds can no longer take out new loans to buy residential investment property. If your fund already owns a property with a loan, nothing changes for you. And if you are mid-purchase, it is the contract date that counts, so exchanging before 10 August protects you.

But here is the part most of the coverage has skipped: the ban is residential only.

You can still borrow inside your super to buy commercial property, including the premises your own business works from, and lease it back to your business. For a business owner paying rent every month, that rent could be going into your own super instead of a landlord's pocket, and it is still tax-deductible to the business.

We have put together a clear guide on what has changed, what is protected, and what you can still do. Link in the first comment.

If this is something you have been weighing up, it is worth a proper conversation.

General information only. Not financial or tax advice. Seek advice specific to your situation.

30/06/2026

Last week, the federal government agreed to ban new SMSF borrowing for residential investment property. If you have been thinking about using a self-managed super fund to buy a property, the timing of that decision now matters more than almost anything else.

Here is the short version:

→ New residential SMSF loans (LRBAs) are being banned. The change is expected to commence around mid-to-late August 2026.

→ If you exchange contracts before commencement, you are protected. It is the contract that counts, not whether the loan has settled.

→ Existing arrangements are safe. If your SMSF already holds a property under a loan, nothing is being unwound.

→ Commercial property is untouched. Buying your business premises through your SMSF and leasing it back to your own business remains one of the most tax-effective strategies available to self-employed Australians.

That last point is the one most business owners are missing in the noise. The residential door is closing, but for anyone who currently rents their premises, the option to own them through super is wide open, and arguably more attractive than ever.

We have written a plain-English guide on what has changed, what is protected, and what is still possible. Link in the comments.

If you have been weighing up an SMSF property purchase, now is the time to have the conversation, not in August.

09/10/2025

Whatever your finance needs are, UniFi Capital will work with you to make a plan and help achieve your goals.

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