Luxe Lending & Finance - Mortgage and Finance Broker

Luxe Lending & Finance - Mortgage and Finance Broker Finance/Mortgage Broker helping you find the right loan for your needs with over 40 lending options available to ensure I can help you finance your future

Marry the home, date the rate… and divorce the lease!👉 The perfect reminder for buyers: ✅ Marry the home you LOVE and ca...
17/06/2026

Marry the home, date the rate… and divorce the lease!

👉 The perfect reminder for buyers:
✅ Marry the home you LOVE and can see yourself in long-term
✅ Date the rate — interest rates can change over time and you can always refinance later
✅ Divorce the lease — stop paying rent and start building YOUR future!

Key takeaway: You don’t have to wait for “perfect rates” to buy the right property — but you DO need a strategy that matches your goals.

💬 If you’re ready to break up with your landlord and commit to your own home, let’s chat. 💌

Got a side hustle? Want it to help boost your borrowing power?Here’s what you need to know:1️⃣ Set up an ABN + run your ...
16/06/2026

Got a side hustle? Want it to help boost your borrowing power?

Here’s what you need to know:

1️⃣ Set up an ABN + run your income through a bank account ❌ Banks won’t count cash-in-hand or “under the mattress” income — it must be traceable.

2️⃣ Report your income in your tax return
✅ Most lenders want to see at least 18 months to 2 years of income reported to the ATO.
✅ The more consistent your income, the stronger your application.

3️⃣ Make sure your side hustle is profitable 👉 If your expenses are higher than your income, it could actually work AGAINST your borrowing capacity. 👉 Banks assess taxable income (income minus expenses), not gross revenue.

In short: structured, declared income = stronger borrowing position.

If you’re planning to grow your side hustle and use it to support future borrowing — chat with us. We help business owners of all shapes and sizes. 🚀

Self-Employed? Here’s something you need to know about borrowing:Banks assess your income based on your TAXABLE income —...
15/06/2026

Self-Employed? Here’s something you need to know about borrowing:

Banks assess your income based on your TAXABLE income — NOT your gross revenue.

👉 Your accountant’s job is to help you LEGALLY minimise your taxable income through business deductions — which is great for tax time… BUT be careful:

The higher your expenses → the lower your taxable income → the lower your borrowing capacity.

If you’re thinking about borrowing in the next 12 months:
✅ Chat with your accountant & your broker NOW
✅ Plan ahead to ensure your business financials align with your borrowing goals ✅ Avoid surprises when it’s time to apply!

Being proactive today can help you borrow smarter tomorrow. 💡

"Today is your opportunity to build the tomorrow you want."Whether it’s buying your first home, upgrading, investing, or...
14/06/2026

"Today is your opportunity to build the tomorrow you want."

Whether it’s buying your first home, upgrading, investing, or simply improving your financial knowledge — small steps today create big changes tomorrow. 🌱

Your future self will thank you for starting now. 🚀

Term of the Week: Substitution of Security (also called Loan Portability)What is it? It allows you to keep your existing...
14/06/2026

Term of the Week: Substitution of Security (also called Loan Portability)

What is it? It allows you to keep your existing home loan when buying and selling — by simply swapping the property the bank holds as security! 🏡➡️🏡

Think of it like this: you’re “swapping out” one property for another, keeping the same loan.

Key things to know: ✅ The property swap must happen on the same day (simultaneous settlement) ✅ Your loan amount stays the same ✅ Your LVR (Loan to Value Ratio) position must stay the same ✅ Your loan term remains unchanged (no variations) ✅ The good news — generally no full loan reassessment is required 🙌, just some bank forms + valuation of the new property to confirm LVRs.

✨ This is a great way to avoid refinancing costs and keep your loan history intact when upgrading or downsizing!

“If you liked it, then you shoulda put a ring on it…” ... or in this case, put an OFFER on it! 😂👉 Don’t miss out on that...
12/06/2026

“If you liked it, then you shoulda put a ring on it…” ... or in this case, put an OFFER on it! 😂

👉 Don’t miss out on that dream home because you weren’t prepared!
👉 Get your pre-approval sorted FIRST — before you start falling in love at open homes.

💡 A pre-approval means you’re ready to move quickly when the right property comes along… because as we know, good ones don’t hang around! 🏃‍♀️🏃‍♂️💨

💬 Need help getting your ducks in a row? I’m here to guide you. 🦆✅

Let’s have a FREE Discovery Call — no strings attached, just good guidance.Sometimes the first step is just having a con...
11/06/2026

Let’s have a FREE Discovery Call — no strings attached, just good guidance.

Sometimes the first step is just having a conversation. I’m here to help you get clear, feel confident, and move forward.

Thinking of buying an investment property with an existing pre-approval?You may need to stop and check your numbers agai...
10/06/2026

Thinking of buying an investment property with an existing pre-approval?

You may need to stop and check your numbers again. 👀

Following the Federal Budget announcement, some lenders have already started changing how they assess negative gearing when calculating borrowing capacity.

That means your current pre-approval may not automatically mean you can still borrow the same amount — especially if you’re buying an established investment property.

The key issue? Your lender may now assess your ability to repay the loan differently. 🏦

Before you sign a contract or rely on an old approval, let’s review:

✅ Your current lender’s policy
✅ Whether your property type still qualifies
✅ Your updated borrowing capacity
✅ Whether your approval needs to be refreshed

The goal posts are moving — and this is exactly when good advice matters. ⚽️

📲 Already pre-approved for an investment purchase? Message me before you make your next move.

Small things really can have a BIG impact!Here’s a little food for thought: what if you swapped your Sunday brunch out f...
09/06/2026

Small things really can have a BIG impact!

Here’s a little food for thought: what if you swapped your Sunday brunch out for a home-cooked breakfast… and popped that $25 into your super instead?

Meet Cameron, age 30: 👉 He’s decided to skip his weekly $25 café breakfast and put that $25/week ($1,300 p.a.) into his super as an after-tax contribution.

👉 By the time he turns 60, that simple habit could grow to a whopping **$53,776.**¹ 💥

All from one small weekly choice! 🚀

Imagine what other small savings could do for YOUR future. Check out this great example of Cameron from our friends at AMP 👇 👉 https://www.amp.com.au/superannuation/contribute -item-2665581f56-tab

💬 The takeaway? It’s not about huge sacrifices — it’s about little habits that stack up!

Just because no one taught you about finance… doesn’t mean you can’t master it now. 🙌It’s never too late to start learni...
08/06/2026

Just because no one taught you about finance… doesn’t mean you can’t master it now. 🙌

It’s never too late to start learning:
✅ You don’t need a finance degree
✅ No question is too “silly”
✅ You’re not “behind” — you’re just starting where you are

I love helping my clients: 🌟 Understand their home loans 🌟 Build better money habits 🌟 Feel CONFIDENT making big financial decisions

If you were never taught this stuff — you’re in good company. Most of us weren’t! But it’s never too old or too young to learn — and I’m here to guide you through it.

📚 Let’s start where you are. Together.

Address

Wagga Wagga, NSW
2650

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

Telephone

+61269255741

Website

Alerts

Be the first to know and let us send you an email when Luxe Lending & Finance - Mortgage and Finance 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 Luxe Lending & Finance - Mortgage and Finance Broker:

Shortcuts

Share

Category