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Abacus Home Loans

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Abacus Home Loans

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Abacus Home Loans is a mortgage manager company with over a decade of rapid growth, strong broker partnerships and diverse loan products.

With a multi-funder background, we support brokers, driving national expansion as a top broker management.

13/10/2026

Almost one week to go!
Can your SMSF still buy property in 2026?

Join Abacus Home Loans, in collaboration with Intax Professionals Pty Ltd, for an educational Commercial SMSF Webinar covering the latest rule changes, practical property considerations, and what investors and professionals should be reviewing now.

Topics include:
- 2026 SMSF borrowing rule changes
- SMSF property purchasing
- Commercial and business real property opportunities
- The new $3M super rules
- Practical SMSF property case studies
- What to review before buying or refinancing

📅 Tuesday, 20 October 2026
⏰ 10:30 AM – 12:00 PM AEST
📍 138 Burwood Road, Burwood NSW

Almost one week left — secure your place today.
Register here:
https://forms.cloud.microsoft/r/xMvMyRXEMW

08/10/2026

40 Year Home Loan is now live at Abacus Home Loans.

This update may help create fresh conversations with clients looking for more flexibility around cash flow, serviceability, or long-term investment strategy.

Key highlights:
• 40 Year Home Loan now available
• Owner Occupied: Interest Only available for up to 5 years
• Investment: Interest Only available for up to 10 years

For brokers, accountants, and agents, this could be a useful option to discuss with eligible clients before it becomes old news.

Send us your scenario and let's review the possible pathway.
1300 023 111
[email protected]

General information only. Subject to credit assessment, eligibility criteria, fees, terms, conditions, and AHL lending policy. Before acting on any information, consider whether it is appropriate for your circumstances.

02/10/2026

SMSF property conversations are changing.
With new rules, borrowing considerations, and commercial property opportunities to review, it is important to understand the bigger picture before making decisions.

Abacus Home Loans, in collaboration with Intax Professionals Pty Ltd, is hosting an in-person Commercial SMSF Event designed to bring lending and accounting perspectives together in one practical discussion.
This session is for brokers, SMSF trustees, business owners, and property investors who want clearer insights before exploring SMSF property purchase, refinance, or commercial property scenarios.

Register here:
https://forms.cloud.microsoft/r/xMvMyRXEMW

General information only. Lending criteria, eligibility, fees, terms, conditions and individual assessment apply.

01/10/2026

October is another reminder: some scenarios deserve a closer look.

Not every lending conversation starts simple. Some need more context, more questions, and a better understanding of the full picture.

At Abacus Home Loans, we continue to support brokers through practical scenario discussions and smarter lending conversations.

Here's to another month of looking beyond the obvious.
Smart Lending, Beyond the Banks!

30/09/2026

30+ years as a doctor, but missing the usual income documents?

For brokers, this is where the full scenario matters.

In this broker case example, a non-resident applicant, aged 62, had worked as a doctor at a hospital for over 30 years and wanted to purchase an investment property in Australia.

The challenge?
Due to local employment practices, the applicant could not provide the usual payslips or employment letter normally required under standard policy.

Instead of stopping the conversation there, the Abacus Scenario Team reviewed the circumstances and identified an alternative assessment approach.

Subject to credit assessment and supporting documentation, the applicant’s income could be considered using:
• two most recent years’ tax returns
• six months’ bank statements evidencing salary credits
• independent confirmation of employment from the employer

This enabled the scenario to progress for assessment under the Abacus Non-Resident lending solution.

Broker takeaway:
A strong employment history, missing standard documents, and non-resident status should not always be reviewed in isolation. The full scenario may still be worth a closer look.

Have a scenario to discuss?
Submit the key details through the AHL Scenario Check Form or send Abacus an anonymised outline.

Scenario Link: https://forms.cloud.microsoft/Pages/ResponsePage.aspx?id=XRFPwpl4kU6CRlYGE3WH3fpboDYP72VAr2vurug7yNlUODgzUFJPOUJZQTBVNjBKNUpMSFg0QVJNTS4u

All applications are subject to credit assessment, lending criteria, and supporting documentation requirements. This information is general in nature and does not take into account your objectives, financial situation or needs. Before acting on any information, consider whether it is appropriate for your circumstances.

29/09/2026

Sent a scenario? Here's what happens next.

For mortgage brokers, knowing what happens after submission can make the scenario process clearer.

Once a broker submits a scenario to Abacus, our dedicated Scenario Team reviews the details, explores available lending options, and comes back with feedback on possible next steps.

The process is simple:
• You send the scenario
• We review the options
• We respond with next steps

The goal is to help brokers understand whether there may be a pathway worth exploring based on the full scenario.
Have a scenario to discuss?

Send Abacus Home Loans the full scenario for review or submit the key details through the AHL Scenario Check Form.

Scenario Link:
https://forms.cloud.microsoft/Pages/ResponsePage.aspx?id=XRFPwpl4kU6CRlYGE3WH3fpboDYP72VAr2vurug7yNlUODgzUFJPOUJZQTBVNjBKNUpMSFg0QVJNTS4u

This information is general in nature and does not take into account your objectives, financial situation or needs. Before acting on any information, consider whether it is appropriate for your circumstances. Lending criteria, eligibility, fees, terms, conditions and individual assessment apply.

25/09/2026

Happy Mid-Autumn Festival from Abacus Home Loans.

May this season bring connection, harmony, and meaningful moments with the people who matter most.

Wishing our brokers, partners, clients, and community a peaceful and joyful celebration under the same full moon.

Smart Lending, Beyond the Banks.

24/09/2026

A common broker question:

“Can non-residents get a home loan?”

Possibly.

We have lending solutions available for eligible non-residents, subject to lender assessment and approval.

Non-resident applicants may be considered for:

• property purchases
• refinances
• construction loans

Both PAYG and self-employed borrowers may be eligible.

We can consider applications from residents of up to 36 acceptable countries, subject to lender policy, documentation requirements, serviceability and credit assessment.

Before proceeding, key points to clarify include:

• country of residence and citizenship
• employment type: PAYG or self-employed
• income source and currency
• credit profile and borrowing capacity

For brokers, the key takeaway is simple:

A non-resident scenario should not always be ruled out immediately. The full scenario matters.

Have a scenario to discuss?
Send Abacus the full scenario for review.

Scenario Link:
https://forms.cloud.microsoft/Pages/ResponsePage.aspx?id=XRFPwpl4kU6CRlYGE3WH3fpboDYP72VAr2vurug7yNlUODgzUFJPOUJZQTBVNjBKNUpMSFg0QVJNTS4u

This information is general in nature and does not take into account your objectives, financial situation or needs. Before acting on any information, consider whether it is appropriate for your circumstances. Lending criteria, eligibility, fees, terms, conditions and individual assessment apply.

22/09/2026

Strong income, good credit history… but not enough deposit?

This is a common broker scenario:

“I have customers with high income but they don’t have enough deposit to buy a property. Can we help?”

Possibly.

For eligible first-home buyers with strong income, good credit history and sufficient borrowing capacity, there may be solutions available that can assist with purchasing a property with a very low deposit contribution.

Depending on the lender’s assessment, valuation outcome, property location and overall application strength, funding above the standard loan amount may be considered.

Each application is subject to full credit assessment, lender policy, serviceability requirements and approval criteria.

Before proceeding, key points to clarify include:

• first-home buyer eligibility
• good credit history / credit score
• serviceability and income verification
• property location and valuation suitability

For brokers, the key takeaway is simple:

A limited deposit does not always mean the conversation has to stop.

Have a scenario to discuss?
Send Abacus the full scenario for review.

Scenario Link:
https://forms.cloud.microsoft/Pages/ResponsePage.aspx?id=XRFPwpl4kU6CRlYGE3WH3fpboDYP72VAr2vurug7yNlUODgzUFJPOUJZQTBVNjBKNUpMSFg0QVJNTS4u

This information is general in nature and does not take into account your objectives, financial situation or needs. Before acting on any information, consider whether it is appropriate for your circumstances. Lending criteria, eligibility, fees, terms, conditions and individual assessment apply.

18/09/2026

What helps create a better scenario conversation?

For mortgage brokers, a more complete outline can make the review more useful from the start.

This week, we looked at two common scenario types:

• credit history concerns, including defaults or late payments
• self-employed borrowers with ABN trading history questions

The key takeaway is simple:
one detail should not always be reviewed in isolation.

Before sending a scenario, it may help to include:

• credit issue or concern
• whether it has been paid or resolved
• income and employment background
• ABN trading history
• same-industry continuity
• loan purpose
• requested loan amount and LVR
• estimated property value
• available supporting documents
• any specific policy questions

The more complete the picture, the more useful the conversation.

Have a scenario to discuss?
Send Abacus the full scenario for review.

Scenario Link:
https://forms.cloud.microsoft/Pages/ResponsePage.aspx?id=XRFPwpl4kU6CRlYGE3WH3fpboDYP72VAr2vurug7yNlUODgzUFJPOUJZQTBVNjBKNUpMSFg0QVJNTS4u

This information is general in nature and does not take into account your objectives, financial situation or needs. Before acting on any information, consider whether it is appropriate for your circumstances. Lending criteria, eligibility, fees, terms, conditions and individual assessment apply.

Address

Sydney, NSW
2000

Opening Hours

Monday	9am - 6pm
Tuesday	9am - 6pm
Wednesday	9am - 6pm
Thursday	9am - 6pm
Friday	9am - 6pm

Telephone

+611300023111

Website

https://www.abacushomeloans.com.au/

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