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Myloandeal

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Australia
Sydney, NSW
Myloandeal

We provide home loan solutions for new property purchase whether Owner Occupied or Investment, refinance, SMSF or trusts.

24/06/2026

Settlement day can feel like a black box. You sign a contract, wait around six weeks, and somehow the keys end up in your hand. So what actually happens in between?

Here is the full conveyancing-to-keys timeline:

Exchange of contracts (Day 0): deposit paid, cooling-off period begins

Searches and contract review (Week 1-2): your conveyancer does the digging

Loan goes unconditional (Week 2-4): formal approval, mortgage docs signed

Settlement booked (Week 4-5): your lender and conveyancer lock in the date

Pre-settlement inspection (day before): one last walk-through

Settlement day (Week 6): funds transfer, the title changes hands, the keys are yours

Timeframes vary by state, lender and contract, but this is the rhythm most Aussie purchases follow.

The smoother your finance, the smoother your settlement. Compare 48 lenders in one place at myloandeal.com.au and walk in with your approval already sorted.

17/06/2026

Got your home loan pre-approval? Don't pop the champagne just yet.

Pre-approval is one of the most misunderstood steps in buying a home, and assuming it's a done deal can cost you the property, or worse. Here's what every Australian buyer needs to know:

It only lasts 3 to 6 months before it expires. It's conditional, so it can still fall through if the valuation comes in low or your circumstances change. Applying to too many lenders at once can quietly damage your credit score.

The good news? When you understand how pre-approval really works, it becomes a powerful tool that lets you shop with confidence, act fast, and bid with certainty.

We've broken it all down, including how to protect your credit file and move from conditional to unconditional approval, in our latest guide.

Read it now at myloandeal.com.au and compare rates from 42 Australian lenders in about 2 minutes. 100% free, no credit check to compare.

16/06/2026

The RBA has held the official cash rate at 4.35% today. No change for now, but that doesn't mean your home loan is working as hard as it could be.

Here's the thing most borrowers miss: a rate hold is one of the best times to review your loan. Lenders compete hard, yet they rarely reward loyal customers with their sharpest rate. The "loyalty tax" is real, and it can quietly cost you thousands a year.

If you haven't compared your rate in the last 12 months, now is the moment. We compare 42 home loan lenders in about 2 minutes. It's 100% free and there's no credit check just to see what's out there.

See how much you could save at myloandeal.com.au

10/06/2026

Irregular income? You can still get a home loan. 🏡

If you're a contractor, casual, freelancer or gig-economy worker, you've probably been told your income is "too unpredictable" for a mortgage. Here's the truth: it's not 2010 anymore — and lenders have adapted.

Non-standard income is now the norm for millions of Australians, and the right lender will treat your payslips, invoices and bank statements as exactly what they are: proof you can pay.

Here's what actually matters 👇

✅ A track record of 6–12 months in your field

✅ Deposits from as little as 5% via the First Home Guarantee

✅ Clean, well-organised income evidence

✅ The right lender — not just any lender

The secret weapon? A specialist broker who knows which of 40+ lenders will say YES to your income type — instead of you applying everywhere and bruising your credit file.

📲 Ready to turn your contract or casual income into an approval? Tap the link in bio / visit myloandeal.com.au to compare lenders at no cost to you.

09/06/2026

Thinking about upsizing or downsizing, but dreading the gap between buying your next home and selling your current one?

That gap is exactly what a bridging loan is built to close. It lets you buy before you sell, so you can transact with confidence instead of rushing a sale or missing out at auction.

Our new 2026 guide breaks down everything Australian homeowners need to know:

How bridging finance actually works, with a real worked example
"Peak debt" vs "end debt", and why peak debt is the number that gets applications declined
What it really costs in 2026 (rates typically 7 to 9.5% p.a., plus the fees to budget for)
Open vs closed bridging loans, and which one is cheaper
Who qualifies, and how to build a strong exit strategy
Used well, bridging finance can save you from a forced sale or a missed opportunity. Used without modelling the numbers, it can cost you. The guide helps you tell the difference.

The MyLoanDeal team compares bridging options across 40+ Australian lenders at no cost to you.

Read the full 2026 guide: https://myloandeal.com.au/blog/bridging-loans-australia-how-to-buy-before-you-sell-2026-guide

04/06/2026

Buying Property Through a Trust in Australia: What Every Investor Should Know

More Australian investors are choosing to hold property inside a family or unit trust rather than in their own name. Done well, the structure can deliver real advantages. Done without planning, it can quietly cost thousands.

Here is the balanced picture.

The potential upside:

Asset protection. Because the trustee holds the property rather than you personally, it can be insulated from many personal claims.
Flexible income distribution. A discretionary trust lets you stream rental profit and capital gains to family members on lower marginal tax rates.
The 50% CGT discount still flows through to individual beneficiaries, which is a genuine advantage trusts hold over companies.
What to watch out for:

Trapped losses. A trust cannot pass losses out to beneficiaries, so a negatively geared property will not reduce your personal salary income the way it would in your own name.
Land tax. In many cases a trust receives no land-tax-free threshold, adding a cost every year for the life of the investment.
Foreign surcharges. A standard family trust deed can be deemed to have a foreign beneficiary, triggering surcharge purchaser duty and surcharge land tax in NSW unless the deed is properly amended before purchase.
On the lending side, the trustee borrows in its capacity as trustee, most lenders prefer a corporate trustee, and the people behind the trust are usually asked to provide personal guarantees. Not every lender offers trust loans, so comparing a wide panel makes a real difference.

A trust can be a powerful tool for the right investor, but the structure, the tax position and the loan all need to work together. Our full guide breaks it down in plain English.

Read the full guide and compare trust-friendly lenders: https://myloandeal.com.au

22/05/2026

Team Broker or Team Bank? Drop your answer in the comments 👇

Here's a stat that might surprise you: 71% of new Australian home loans are written by mortgage brokers — not the banks themselves. There's a reason for that.

But going direct still makes sense in the right situation. The truth is, neither approach is universally better. What matters is that you understand the difference before you commit.

Swipe through as we break down:

→ Why 7 in 10 Australians choose a broker
→ The legal duty brokers have to YOU (not the lender)
→ When going direct to your bank actually wins
→ How to figure out which path suits your situation

💬 Are you Team Broker or Team Bank? Let us know below — and tell us why!

🔗 Read the full breakdown at the link in bio.

21/05/2026

Did you know your redraw money isn't actually guaranteed to be accessible? 🚨

Most Australians assume a redraw facility works just like an offset account. But there's a critical difference — and getting it wrong could cost you in ways you haven't planned for.

Here's what you need to know:

✅ An offset account is a separate transaction account. Your money is always yours — accessible instantly, no strings attached.
⚠️ A redraw facility sits inside your loan. Your lender can restrict access, set minimum withdrawal amounts, and change the rules. And for investment property owners, redraws used for personal expenses can destroy your tax deductibility.

Swipe through to understand the difference, know the risks, and figure out which structure is right for your situation. 👉

💬 Drop a comment — are you Team Offset or Team Redraw? 🔗 Link in bio to read the full guide on our website.

13/05/2026

The 2026 Federal Budget is the most significant property and tax overhaul in a generation. Swipe through to see every major change announced by Treasurer Jim Chalmers on 12 May 2026.

From negative gearing restrictions and CGT changes to discretionary trust taxation and what it means for SMSFs, this carousel covers it all.

Our next post will break down exactly what each of these changes means for you as an investor, property owner, or first home buyer. Follow us so you don't miss it.

Have questions in the meantime? Drop them in the comments or visit the link in bio.

11/05/2026

🏠 Buying your first home in Australia in 2026? You could be entitled to up to $75,000 in combined government grants, exemptions, and savings — and most first home buyers don't even know what they qualify for.

Here's what's on the table right now:

✅ First Home Guarantee — buy with just a 5% deposit, no LMI, no income cap ✅ Help to Buy — launched Dec 2025, buy with just 2% deposit with the govt as co-owner ✅ First Home Owner Grant — up to $30,000 cash (QLD until June 2026) ✅ Stamp Duty Exemptions — save up to $31,000+ depending on your state ✅ First Home Super Saver Scheme — withdraw up to $50K from your super for a deposit

The key is knowing how to stack these schemes together to get the most out of every dollar available.

👉 Read our full 2026 guide at the link below — or DM us and we'll walk you through exactly what you qualify for. Free, no obligation.

📍 myloandeal.com.au

Address

Kellyville
Sydney, NSW
2155

Telephone

+61423570378

Website

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