Mohit Gupta - Mortgage and Business Broker

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Mohit Gupta - Mortgage and Business Broker

Save time, reduce stress and make confident decisions.

Mohit Gupta from LNO Mortgages helps Australians buy, sell and finance businesses, with trusted support for mortgage loans, property lending, refinancing and commercial finance.

27/10/2026

Small habits, big results.

Your bank statement says more about you than your payslip 👀

Lenders don't just look at what you earn. They look at how you live: late bills, stacked-up subscriptions and where your pay actually goes each week.

The habits you build at home are the same discipline that gets you a deposit, a home or a business.

Follow for more on what Aussie lenders really look for.

General information only, not personal advice. Loan and Own Mortgages Pty Ltd, Credit Representative 562355 of ACL 384704. All finance subject to lender assessment and criteria.

14/10/2026

Business owners, quick question 👇

Are you renting your premises right now?

Reply with your answer:
1️⃣ Yes, renting
2️⃣ We already own
3️⃣ Thinking about buying

Here’s why I’m asking. 🏢

A growing business was renting a $1.4M warehouse. They wanted to buy it, but a major bank would only lend 70%, which left a big cash gap.

So we repositioned the application with a specialist commercial lender and used the business’s own 5-year rental history to support the deal.

The result:
✅ 80% LVR facility
✅ 25-year loan term
✅ Repayments around $1,800 a month LESS than their old rent
✅ Capital kept free for equipment upgrades

Same building, same business. Now they’re building their own asset instead of paying off their landlord’s mortgage. 🔑

📩 Comment “OWN” or send me a DM and I’ll run a free check on whether buying your premises could cost less than renting.

13/10/2026

First-home buyer loan demand has fallen 22.1% year-on-year, showing that the challenge is no longer just about saving a deposit.

Higher interest rates, tighter borrowing capacity, large loan sizes and cost-of-living pressure are all influencing whether buyers feel comfortable entering the market. For many first-home buyers, the real question is not simply “Can I get approved?” but “Can I comfortably manage the mortgage after settlement?”

Read More: https://lnomortgages.com.au/post/first-home-buyer-loan-demand-down-22-percent-2026

13/10/2026

Property investors, quick question 👇

Have you ever had to pass on a deal because your tax returns weren’t ready?

Reply with your answer:
1️⃣ Yes, and it still stings
2️⃣ Nearly happened
3️⃣ Never, my accountant is always on time 😄

Here’s a case where it nearly happened. 🏫

An investor found an off-market childcare centre with a blue-chip tenant. The catch was a 30-day settlement deadline.

The challenge? Their latest company tax return was still being prepared. Most lenders won’t move without one.

So instead of letting the deal go, we structured a lease doc solution. It was based on the strength of the lease and its rental coverage, not the missing tax return.

The result:
✅ Unconditional approval in 6 business days
✅ 80% LVR facility at a sharp rate
✅ On-time settlement on a 6% net yield property

The right deal structure can matter just as much as the property itself.

📩 Comment “DEAL” or send me a DM if you’ve got a commercial property opportunity and your paperwork isn’t perfect. I’ll show you what’s possible. It’s a free, no-obligation chat.

12/10/2026

AI is creating opportunities across banking, but it is also introducing new risks.

The RBA is watching how AI could increase cyber threats, operational dependence on shared technology providers, market concentration and financial-system interconnectedness. The concern is not that AI automatically causes a crisis, but that its growing role could amplify disruption if something goes wrong.

Read More: https://lnomortgages.com.au/post/ai-banking-financial-stability-risk-rba-australia

12/10/2026

Even if the RBA stops hiking, mortgage rates may not immediately fall.

Global bond yields, wholesale funding costs, inflation expectations and lender competition can all influence home-loan pricing. That means borrowers should not rely on the cash rate alone when deciding whether their current mortgage is still competitive.

Read More: https://lnomortgages.com.au/post/mortgage-rates-global-bond-yields-rba-australia-2026

11/10/2026

Business owners, quick one 👇

Has a lender ever said no because of an ATO payment plan?

Reply with your answer:
1️⃣ Yes, it’s happened to me
2️⃣ Not yet, but I’m worried it could
3️⃣ No, never had an issue

Here’s why it matters. 📈

A wholesale distributor won a major new contract. To deliver it, they needed $350K for inventory.

Traditional lenders said no because of an existing ATO payment plan.

The business had something the banks overlooked: a fleet of vehicles with no finance owing on them.

We used the equity in that fleet to:
✅ Clear the tax debt
✅ Strengthen the balance sheet
✅ Set up a flexible line of credit for stock

The result:
⚡ ATO debt cleared within 72 hours
💳 $400K revolving facility in place
📈 35% increase in quarterly revenue

Tax debt doesn’t have to stop a strong business from growing. Sometimes the answer is in assets you already own.

📩 Comment “GROWTH” or send me a DM and I’ll show you how assets you already own could fund your next opportunity. It’s a free, no-obligation review.

09/10/2026

Honest question for commercial property owners 👇

When did your bank last call to lower your interest rate without you asking?

Reply with the one that fits:
1️⃣ Never
2️⃣ Only after I pushed
3️⃣ They do it regularly (lucky you!)

Here’s what we found when we reviewed one portfolio owner’s loans. 🏬

They had 2 retail properties on a variable rate above 8.5%. On top of that, everything was cross-secured: the properties, the business assets and personal guarantees were all tied together.

We reviewed the whole structure and refinanced with an alternative second-tier lender. That also removed the cross-collateralisation.

The outcome:
✅ Average rate down 1.45% p.a.
✅ $450K in equity released for their next purchase
✅ Interest costs down $26K+ every year

Banks rarely offer this on their own. You usually have to ask, or have someone ask for you.

📩 Comment “REVIEW” or send me a DM and I’ll check whether your current structure is costing you money. It’s a free, no-obligation lending review.

09/10/2026

Home insurance is becoming an increasingly important part of the true cost of owning property.

A home may fit within your purchase budget and borrowing capacity, but rising premiums, rebuilding costs and location-specific risks can still place pressure on household finances. For buyers and homeowners, affordability now means looking beyond the mortgage repayment alone.

Read More: https://lnomortgages.com.au/post/home-insurance-affordability-mortgage-risk-australia

07/10/2026

Australia’s mortgage system may look resilient overall, but that does not mean every household is coping equally well.

Demand for mortgage-stress assistance is rising sharply in some areas, showing how pressure can be concentrated among recent buyers, high-LVR borrowers and households already stretched by higher repayments and living costs.

The key lesson: national averages can hide very different financial realities at the household level.

Read More: https://lnomortgages.com.au/post/mortgage-stress-victoria-demand-doubles-2026

Address

9/281-287 Sussex Street
Sydney, NSW
2000

Website

http://www.lnomortgages.com.au/

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