Ankur Ahluwalia - Mortgage Broker

Ankur Ahluwalia - Mortgage Broker Helping young professionals buy property and build wealth through strategic finance

14/06/2026

You could earn $200K and still get declined for a loan.

Most people think income is everything.
Lenders disagree.

Here are 4 things quietly killing loan approvals - that have nothing to do with your salary:

→ Repayment history
→ Credit card limits (not balances — limits)
→ Too many credit applications
→ High living expenses showing in your statements

The 3 months before you apply matters, more than most people realise.

If you’re planning to buy in the next 6–12 months, start fixing these now.

Not when you’re ready to apply. Now.

💬 Drop a comment or DM me and I’ll tell you exactly where to start.

11/06/2026

SMSF FAQ Series | Part 4: The SMSF loan feature most lenders don’t offer.

An offset account. Inside an SMSF loan.

Yes, it’s a thing. And it’s rare.

Only a handful of lenders offer it.

But here’s why most of our SMSF clients are with those lenders:

The problem without offset:

Once you purchase a property inside your SMSF, your super contributions keep coming in every quarter.

SGC hits your account.

But inside an SMSF, you can’t just spend that money.
It sits there. Doing nothing or earning 6-7% return on shares (taxable)

While your loan is charging you 7%+ interest.

The solution:

An offset account attached to your SMSF loan.

Every dollar sitting in offset saves you 7%+ in interest (tax-free)

Real example:

$50k in your SMSF offset account

→ Saving 7% interest on $50k
→ That’s $3,500 per year in interest saved
→ Just from money sitting there anyway

The super contributions keep flowing in.

The offset keeps growing.

The interest keeps reducing.

And you’re not doing anything extra.

Why this matters:

Most SMSF loans don’t have this feature.

But when your loan rate is above 7%, this feature can save you thousands every single year.

Automatically.

Want to know if you’re eligible for lenders who offer offset on SMSF loans?

Comment SMSF below or DM me. 👇

05/06/2026

SMSF FAQ series | Part 3: Interest rates

SMSF loan rates - here’s why they’re higher than normal investment rates 👇

Two reasons:

1️⃣ Less competition - most banks exited SMSF lending after the Royal Commission.

Only nonbank lenders play in this space.

2️⃣ More complexity - SMSF lending is heavily regulated.

More compliance = more paperwork = higher cost to lend.

Where do SMSF rates sit right now?

Generally late 6s to early/ mid 7s - varies by LVR.

If you’re thinking about buying property in your SMSF, knowing your numbers upfront is the move.

DM me “SMSF” and let’s talk📱

03/06/2026

SMSF FAQ Series | Part 2

How does the SMSF loan process actually work?

Spoiler: It’s simpler than you think.

Here’s the step-by-step:

Step 1: Chat with a broker who specialises in SMSF lending
(Not every broker does this — make sure they actually know SMSF)

Step 2: Set up your SMSF structure with your accountant
(Trust deed, corporate trustee, bank account — all needs to be right)

Step 3: Broker lodges for pre-approval post SMSF setup
(Can’t get pre-approval before the structure exists)

Step 4: Pre-approval in hand → start making offers on property

Step 5: Roll over your super funds into your SMSF bank account
(Timing matters here — don’t do this too early)

Step 6: Engage a conveyancer experienced in SMSF settlements
(This is critical — SMSF settlements are complex. Not every conveyancer can do this)

Step 7: Settle on your property 🥳

7 steps. That’s it.

The key? Getting the right people around you at each stage.

Wrong broker. Wrong accountant. Wrong conveyancer.

Any one of them can derail the whole thing.

Get them right and it’s one of the smoothest wealth-building moves you’ll make.

Want to know if SMSF lending is right for you?

Comment SMSF below or DM me. 👇

02/06/2026

How does borrowing work inside your SMSF?

It comes down to 3 things:

Income. Expenses. Debts.

Let me break it down simply.

INCOME (3 sources):

→ Super contributions from your employer (or yourself if self-employed)
→ Rental income from the investment property you’re purchasing
→ Deemed interest on the leftover funds sitting in your SMSF after purchase
(only a few lenders consider it)

EXPENSES (2 main costs):

→ Accounting and compliance costs
→ Audit and tax return fees for the SMSF

DEBTS:

→ New SMSF? Clean slate. No existing debts
→ Existing SMSF with a property? Current loan balance and repayments get factored in

That’s it.

Three components. One calculation.

And it determines exactly how much your SMSF can borrow for its next investment property.

SMSF lending is one of the most powerful wealth-building tools available to Australians.

But most people have no idea how the numbers actually work.

Now you do.

Want to know your SMSF borrowing capacity?

Comment SMSF below or DM me and I’ll run the numbers for you. 👇

P.S. Just general education, not financial advice.

01/06/2026

As SMSF lending gets more attention I feels it’s a good time to clear up the air on SMSF lending.

SMSF lending FAQ series incoming 🚨

Watch this space while i I provide some education around SMSF loans.

Any questions, feel free to comment here.

P.S. nothing here is financial advice, only general comments.

26/05/2026

Auction clearance

24/05/2026

Everyone’s frustrated with this budget.

But there is a silver lining to it or say a loophole.

Buried inside the noise is a structure that just became even more attractive.

Let me show you the numbers 👇

Rental income

Can be taxed at marginal rate upto 47%
→ SMSF: taxed at just 15%
→ Pension phase: 0%

Capital gains tax

Minimum 30%, up to 47% under the budget changes
→ SMSF: 15% drops to 10% after 12 months
→ Pension phase: 0%

Yes the structure is a Self Managed Super Fund.

You create your own super fund
use your super balance to buy an investment property.

And here’s the part most people don’t know:

Your SMSF borrowing capacity is completely independent of your personal borrowing capacity.

It doesn’t affect what you can borrow in your own name.

Two separate lanes. Both moving forward at the same time.

If the budget has you frustrated about where to put your money.

This might be worth a closer look.

I’ll be breaking down exactly how SMSF lending works over the next few posts.

P.S. Already have super sitting idle? That’s the starting point. Let’s talk.

P.S.S you can see how annoyed I’m here 😡

Inflation is your friend when you're in debt.Yes, you read that right.Let me explain with cookies.Today:- You buy 10 coo...
23/05/2026

Inflation is your friend when you're in debt.

Yes, you read that right.

Let me explain with cookies.

Today:
- You buy 10 cookies at $1 each = $10 total
- You borrow $10 to buy them.

5 years later:
- Same 10 cookies, cost $2 each = $20 total
- Your debt? Still $10

Your cookies doubled in value but debt stayed the same

→ Meaning: your debt just halved in real terms.

You didn't pay anything extra. Inflation did the work for you.

Now let's talk real estate:

Today:
- You buy a $500k property
- 80% LVR = $400k loan

5 years later (7% annual growth):
- Property worth: ~$700k
- Your loan: Still $400k

It's worth less in real dollars because of inflation.

→ $$ you borrowed today are worth more than the $$ you'll repay in 5 years.

This is why I love inflation as my debt reduces over time:

→ Asset value grows with inflation
→ Debt stays the same
→ Your wealth growth

The strategy:

→ Borrow smart
→ Buy assets that appreciate
→ Let inflation erode your debt in real terms

While everyone's complaining about inflation eating their savings,
You can be using it to build wealth.

The catch: This only works if

→ You're buying appreciating assets
→ You can service the debt
→ You're playing the long game

Debt isn't bad. Bad debt is bad.

Good debt + inflation + time = Wealth.

20/05/2026

Are you in the market to buy an investment property?

Lenders are announcing changes to borrowing capacity changes due to negative gearing changes in the Budget

Have a chat with your broker to avoid any last minute surprises

Feel free to send me a DM if you want to discuss your scenario

Address

Sydney, NSW

Website

Alerts

Be the first to know and let us send you an email when Ankur Ahluwalia - Mortgage Broker posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Contact The Business

Send a message to Ankur Ahluwalia - Mortgage Broker:

Shortcuts

Share

Category