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UniFi Capital Mortgages

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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.

Contact us now!

29/04/2025

Big plans deserve smart finance.
Whether it's your first home, your next investment, or a new commercial venture — let's tailor the right loan for you.
📈🏡 Ready when you are.

13/05/2024

Money mindset refers to your beliefs and attitudes about money, wealth, and success.

Like it or not, these beliefs and attitudes can have a profound impact on your life choices and actions.

For example, if you have a positive money mindset you'll probably be more likely to take risks and invest in your own personal and professional growth, while a negative money mindset would probably make you more hesitant and fearful of making financial decisions.

Ultimately, our money mindset can be a powerful tool in shaping our lives and helping us to achieve our goals and dreams.

Take this as your cue to reflect on your own money mindset. Is it serving your interests, or does it need a bit of work?

09/05/2024

Buy Now, Pay Later (BNPL) seems like a slippery slope to living pay check to pay check.

If you struggle with cash flow, chances are a good budgeting tool will be more useful to you than relying on BNPL services.

What do you think, is it time to give up BNPL?

08/05/2024

Do you plan to enter the property market or build your portfolio? Buying real estate is a big financial decision, and a key factor will be your home loan.

To help you on your journey, here are four things you need to know about home loans:

1. Pre-approvals can be powerful:
But they're not all created equal.

2. Give yourself time to maximise your options:
Lenders will take anywhere from days to weeks to approve your loan.

3. Banks have tightened up their lending criteria:
You may be able to borrow around six times your annual income.

4. You don’t have to be a customer for life:
As a borrower, you're not locked into the one lender for the life of the loan and have freedom to switch to a better deal.

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