ANT Money

07/12/2025

🏠 Why Choose a Modular Build?

⏱ Faster build times
🔨 Factory-controlled quality
💰 Often more affordable than traditional construction
📉 Fewer weather delays
✔️ Investment loans available
✔️ Looking for a low-deposit option
✔️ Scheme eligibility

07/12/2025

🏡 Building a Modular Home? I Can Help Finance It!

Modular Home *Construction Loans from ~5.54% p.a.
*LVR options up to 80–95%
*Investor loans available ✔️
*Up to 95% LVR for owner-occupiers✔️
*Interest-only during construction ✔️
*Choose from fixed or variable rates
*Fast approvals with lenders who specialise in modular builds

If you're planning a modular home, I can help you secure the right loan, best rate, and maximum borrowing power.
📩 Message me today to check your eligibility and get started!

14/11/2025

🏡 Thinking About Buying Your First Home?
You may not need a 20% deposit!

The Australian First Home Guarantee (FHBG) allows eligible first-home buyers to purchase a property with as little as 5% deposit — with NO LMI (Lenders Mortgage Insurance).

👉 If you're:
✔️ A first-home buyer
✔️ Looking for a low-deposit option
✔️ Wanting to get into the market sooner
✔️ Unsure what your borrowing power looks like

…I can help you get started.

As a qualified Mortgage Broker, I’ll guide you through:
🔹 Scheme eligibility
🔹 Low-deposit loan options
🔹 How to secure your spot in the program
🔹 How to structure your loan to maximise savings

📩 Send me a message today to check if you qualify and get your home-buying journey underway!
Your new home may be closer than you think. 🏠✨

13/11/2025

So grateful for the support received for a wonderful cause! 🙏🫶

I’ve reached my fundraising and swimming goal

https://fundraise.nbcf.org.au/fundraisers/dushanranasinghe215200

13/11/2025

Great limited time to enter the Australian property market

Because of popularity the spots will fill up fast, specially in the more affordable 500k - 1 million price range

29/10/2025

🔐 Secure Your Finances with Open Banking (CDR) in Australia
Did you know you can safely link all your financial data in one place — thanks to the government-regulated framework of Consumer Data Right (CDR) and Australian Competition & Consumer Commission (ACCC)-accredited data sharing?

Here are the top 3 features you’ll love:

1.✅ You’re in control of consent & sharing — you choose what data (account balances, transactions, loans, etc.) to share, who gets access, and for how long.
2.🔗 See a unified view of your finances — link data across multiple banks/accounts so you can track everything in one place (savings, credit cards, mortgages) to make smarter decisions.
3.🔒 Strict government-regulated security & accreditation — only organisations accredited by the ACCC/Office of the Australian Information Commissioner (OAIC) can access your data via secure APIs; you can revoke sharing anytime.

👉 Want to learn more? Visit the official Australian government site: https://www.cdr.gov.au/
Also refer to the below related sites with other banks and lenders:
https://www.bankaust.com.au/support/open-banking?utm_source=chatgpt.com

https://www.heritage.com.au/support/accessing-your-account/open-banking?utm_source=chatgpt.com

24/10/2025

https://fundraise.nbcf.org.au/fundraisers/dushanranasinghe215200

Humble and appreciative to everyone who has supported me so far 🙏😇👊🏾💪🏽👌🏾

24/10/2025

Exciting announcement: SMSF lending product SuperEdge Is coming back to the market from Major bank AMP!!

Hear from Travis Hall National Manager – Broker Distribution and Louise Chisholm Head of Lending & Everyday Banking Product on our exciting announcement.

22/10/2025

🏡 FOREIGN BUYER STAMP DUTY SURCHARGES IN AUSTRALIA 2025 💰
*NSW - 9% (~$90,000 extra on 1M property)
*VIC - 8% (~$80,000 extra on 1M property)
*QLD - 7% (~$70,000 extra on 1M property)
*NT - 0% 💡💡😮

⚠️ IMPORTANT:
-These are ON TOP of standard stamp duty (3-5%)
-Total stamp duty cost: 10-14% of property value
-Plus FIRB application fees(Refer -https://www.facebook.com/share/p/178xdkzQvG/)
-Applies to residential property only

📊 Real Example(Rough indiciative Figures ONLY,more occurate figures will need to be calculated for your case):
$800,000 property in NSW = $95,767 total stamp duty (vs $31,490 for locals)

Who's considered "foreign"?
❌ Non-residents
❌ Temporary visa holders
❌ Foreign corporations/trusts
✅ Exemptions for citizens, PR holders & some NZ citizens
💡 Pro Tip: Northern Territory currently has NO foreign buyer surcharge - might be worth considering for investment!
📱 OFFICIAL GOVERNMENT LINKS:
NSW: https://www.revenue.nsw.gov.au/.../surcharge-purchaser-duty
VIC: Go to www.sro.vic.gov.au
QLD: Go to https://www.treasury.qld.gov.au
SA: Go to https://www.revenuesa.sa.gov.au
WA: Go to https://www.wa.gov.au
Federal (FIRB): https://foreigninvestment.gov.au/

This is general information only. Rates current as of 2025. Always consult professionals for advice specific to your situation.

On 13 September 2025, a system update will introduce a range of enhancements to the Foreign Investment Portal, improving functionality and user experience.

17/10/2025

💭 Client First - Home Based on Your Time, Budget

🏡 Ready to Move In House – November 2025!
📍 Melonba, NSW

Discover LUXURY living with this 5 Bedroom | 3.5 Bathroom | 2 Car Garage home — a Full Turnkey house designed for comfort and style.

✨ Solar Panels | Security Cameras | Luxury Interiors | LED Lights | Modern Interiors | Fireplace and Everything else is included — just move in and enjoy!

📞 Call Client First Homes today to book your private inspection: 0425 154 815

07/10/2025

🏡 Buy Australian Property with Your Foreign Income(Well Known Australian Bank Not small lender or credit provider)

30/09/2025

💰 Pay ZERO Tax on Your Property Investments? Yes, It's Legal.
Smart investors are using SMSFs(Self Managed Super Funds) to build wealth with massive tax advantages most people don't know about.

The SMSF Tax Advantage:
📊 Accumulation Phase
*Just 15% tax on rental income (vs up to 45% personally)
*Only 10% effective Capital Gain Tax rate (vs up to 23.5% personally)

🎯 Retirement Phase (The Game Changer)- For an example, if your Born after 1964 the preservation age is 60 years for eligibility at this moment, refer to below ATO link for latest age caps or speak to a financial planner
*0% tax on rental income
*0% tax on dividends & interest
*0% Capital Gains Tax when you sell

Real Example:
Sell an investment property for a $200K gain:

Personal tax: Up to $47,000 💸
SMSF (pension phase): $0 ✅

PLUS: There are leading Market-First SMSF Loans
✅ Borrow up to $1M at 90% LVR
✅ No Lender's Protection Fee(i.e LMI)
✅ Build your retirement portfolio faster
The wealthy have been doing this for years. Now it's your turn.
👉 SPEAK TO US

Source: Australian Taxation Office. Conditions apply. Seek professional advice.

Detailed ATO Links below
Main SMSF Taxation Page:
https://www.ato.gov.au/individuals-and-families/super-for-individuals-and-families/self-managed-super-funds-smsf/smsf-administration-and-reporting/how-smsfs-are-taxed
Exempt Current Pension Income (ECPI) - Tax-Free Pension Phase:
https://www.ato.gov.au/individuals-and-families/super-for-individuals-and-families/self-managed-super-funds-smsf/smsf-administration-and-reporting/exempt-current-pension-income
Capital Gains in SMSFs:
https://www.ato.gov.au/individuals-and-families/super-for-individuals-and-families/self-managed-super-funds-smsf/tax-on-income/capital-gains
General Capital Gain Tax Information:
https://www.ato.gov.au/individuals-and-families/investments-and-assets/capital-gains-tax/cgt-discount
Preservation Pension phase age eligibility(Which Age Retirement Phase kicks in)
https://www.ato.gov.au/tax-rates-and-codes/schedule-13-tax-table-for-superannuation-income-streams/supporting-information

Find out if your asset is eligible for the 50% CGT discount.