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24/09/2026

🏡 Your home loan was designed for a version of you that may no longer exist.

Think back to when you first arranged your home loan.

🍊 Where were you working?
🌳 What was your household income?
🍊 Were the kids still little?
🌳 What debts and expenses did you have?
🍊 And what were you hoping to achieve?

Your loan was set up around your life at that moment.

But life doesn’t stand still.

Your income may have changed. Your family may have grown. The kids may now be adults. You may have changed careers, renovated, taken on new commitments or started thinking about investing, downsizing or retirement.

Yet your home loan may still look much the same.

That doesn’t necessarily mean there’s anything wrong with your loan — it may simply be worth asking:

Does my home loan still suit the life I’m living today?

A home loan review doesn’t automatically mean refinancing or changing lenders. Sometimes the best outcome is simply confirming that what you already have is still right for you.

If it’s been a while since you reviewed your home loan, perhaps it’s time for a fresh look.

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03/06/2026

🍊🌳BIG PROPERTY TAX CHANGES ARE COMING – BUT THERE ARE OPPORTUNITIES TOO

The Federal Budget has proposed the biggest changes to property investing in decades.

From 1 July 2027:
❌ Negative gearing on established investment properties is proposed to end for new purchases.
✅ Negative gearing is proposed to remain available for brand-new builds.
✅ Existing investment properties are proposed to be fully grandfathered.
✅ New build investors may have access to greater CGT flexibility under the proposed rules.

For first home buyers, there could be some positives:
🏠 Less competition from investors in the established housing market.
🏠 Expanded 5% Deposit Scheme with higher property price caps.
🏠 Potentially easier entry into the market without paying Lenders Mortgage Insurance.

For investors, the spotlight is shifting towards new builds, with potential benefits including:
✔ Full negative gearing access (if the proposed legislation passes)
✔ Strong depreciation benefits
✔ Potential CGT advantages
✔ Opportunity to buy in growth corridors benefiting from infrastructure spending

The key takeaway? While many people are focused on what's being taken away, there may be significant opportunities for investors and first home buyers who understand how these proposed changes could reshape the market.

As always, these measures still need to pass Parliament and may change before becoming law.

Thinking about buying, investing or building? Now is the time to understand how these changes could impact your strategy. 🍊🌳

31/08/2025

Had a great night at the Sapphire Gala Dinner supporting Lifeline. The guest speakers really hit home for me, having been affected by su***de. Please consider donating if you can 🫶🏼🍊🌳

11/12/2024

🙌 4 ways to save up a deposit sooner 🙌⁣
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It takes 5.6 years on average to save a 20% deposit, according to recent PropTrack data.⁣
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But why wait that long if you don't need to? Here are 4 ways you could save up a deposit sooner.⁣
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✅ Pay LMI: some lenders accept a 5% deposit if you pay lenders mortgage insurance (LMI).⁣
✅ Get a guarantor: can a close relative guarantee your loan? It could let you buy with a 5% deposit and no LMI.⁣
✅ The First Home Guarantee scheme: the government guarantees your loan, so you can buy with a 5% deposit and zero LMI.⁣
✅ Use your super account: fast-track your savings by making use of the First Home Super Saver Scheme.⁣
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Call us to know which pathway could work for you. 👇⁣
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To find out more, DM us or contact Orange Tree Home Loans on:

☎️ – 0418 901 934
💻 – [email protected]

09/12/2024

🤳 TikTok vs talking to your broker 🤳⁣
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TikTok and Instagram Reels are fun, fast and free.⁣
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But if you’re looking for help with your home loan it's important not to just take information you discover during a random scroll as gospel.⁣
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Try to stick with posts from a licensed Australian mortgage broker. 👍⁣
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We have strict rules to follow on social media.⁣
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But you obviously can't control what's fed to you by the algorithms. ⁣
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So if you do come across financial content created by people based outside Australia, just know that in many countries the rules are far less rigid, different, or non-existent at all.⁣
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If you're ever in doubt about what you've seen, pick up the phone and give us a call.⁣
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Sure, we’d (probably) lose in a dance-off against your average TikTok creator. 😅⁣
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But we can provide you with home loan information tailored to your situation. 👇⁣
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To find out more, DM us or contact Orange Tree Home Loans on:

☎️ – 0418 901 934
💻 – [email protected]

04/12/2024

🤔 Is now a good time to buy? 🤔⁣
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One-in-three people don't think so, according to PropTrack research (which means about two-in-three do). 😅⁣
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If you're in that one-in-three group: rest assured it’s natural to have doubts - a home is a big commitment after all.⁣
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But uncertainty can mean sitting on the fence much longer than you need to.⁣
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And the longer you delay, the more house prices may rise. 📈⁣
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So how do you know when's the ‘right’ time to buy?⁣
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The short answer is: it's when you’re ready to do so.⁣
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Call us today to find out if you’re home loan-ready - finding out might just give you that extra confidence you need to take the leap. 👇⁣
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To find out more, DM us or contact Orange Tree Home Loans on:

☎️ – 0418 901 934
💻 – [email protected]

02/12/2024

💪 First home owners rewarded with capital gains 💪⁣
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If you’ve purchased a first home recently, you could already be ahead in the capital growth stakes.⁣
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First home buyers often target the more affordable end of the market.⁣
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And CoreLogic says the cheapest 25% of the market saw price growth of 2.7% in the 3-month period to August. 📈⁣
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By comparison, the top 25% saw gains of just 0.3%.⁣
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It goes to show that the sacrifices of saving for a first home can be well rewarded.⁣
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Talk to us today about loan options that can get you started in the market. 👇⁣
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To find out more, DM us or contact Orange Tree Home Loans on:

☎️ – 0418 901 934
💻 – [email protected]

27/11/2024

🏡 The home loan feature 70% of borrowers want 🏡⁣
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Seven out of ten borrowers are opting for a home loan offset account, according to a recent NAB report.⁣
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An offset account can let you put spare cash to work by paying down your home loan sooner.⁣
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How much could your interest payments be reduced by with an offset? 🤔⁣
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Let's say you have $20,000 in your offset account over the life of a 30-year, $400,000 home loan (with an interest rate of 6%).⁣
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You could save more than $87,000 in interest, and reduce your loan term by more than three years, according to Macquarie Bank.⁣
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Contact us to find out if a home loan offset account could be right for you. 👇⁣
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To find out more, DM us or contact Orange Tree Home Loans on:

☎️ – 0418 901 934
💻 – [email protected]

25/11/2024

✅ What to research when buying in a new development ✅⁣
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Searches to ‘buy’ on popular listing sites are up 7% compared to last year, according to PropTrack data. 📈⁣
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But with homes in tight supply, more buyers are looking at new developments.⁣
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If that sounds like you, here's a quick initial checklist to run through.⁣
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✅ Look into the developer’s and builder's track record.⁣
✅ Check out the estate’s masterplan to know what it offers.⁣
✅ How are the transport links?⁣
✅ Will the area have new schools and shops nearby?⁣
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If it all looks like it's stacking up, contact us about finance. ⁣
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We can run you through a range of loan options that are available when you buy/build a new home. 👇⁣
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To find out more, DM us or contact Orange Tree Home Loans on:

☎️ – 0418 901 934
💻 – [email protected]

20/11/2024

😎 Are you auction-ready? 😎⁣
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The spring market is ramping up - and so are sales by auction.⁣
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Over 2,000 homes went under the hammer in late August, with more expected through summer.⁣
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Here’s how to get your auction game on:⁣
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🧐 Research the local market to know what similar homes are selling for⁣
✅ Understand your borrowing power⁣
👍 Have your home loan pre-approved⁣
🔨 Arrange a pre-purchase inspection to avoid unwanted repair bills⁣
🙌 Attend other auctions to get a feel for how they work.⁣
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Call us today to get your finances auction-ready. 👇⁣
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To find out more, DM us or contact Orange Tree Home Loans on:

☎️ – 0418 901 934
💻 – [email protected]

Address

Sydney, NSW
2753

Telephone

+61418901934

Website

http://www.orangetreehomeloans.com.au/

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