Merran Phegan Loan Market

Merran Phegan Loan Market 'I help property investors structure their loans to maximise tax outcomes, not just get a rate. Book a strategy call via the link below.'

With an accounting and tax background, I can look at the full picture most brokers miss. I am your local mortgage broker, specialising in residential, personal and business finance in Pennant Hills, Turramurra, Normanhurst and surrounding suburbs. Reach out today for your free, no-obligation chat (or get started online) and let me do the legwork for you. Home purchasing
Refinancing
Loan applicatio

ns
Home loans
First home buyers
Investment loans
Repricing
Next home loans
Personal loans

Get started online:
https://my.loanmarket.com.au/bd7de38c-e543-4c40-908b-0659d7769de4 #/get-started

The market has definately cooled. Home loan lodgements are down 26% since early February, with investors easing back 31...
29/07/2026

The market has definately cooled. Home loan lodgements are down 26% since early February, with investors easing back 31%, mostly in existing properties. New builds are holding up better than most, still sitting above June last year, and upgraders have barely moved.

The federal budget is shifting the rules on negative gearing and capital gains tax from July 2027.For investors who've r...
29/06/2026

The federal budget is shifting the rules on negative gearing and capital gains tax from July 2027.

For investors who've relied on tax concessions, that changes the maths.

But there's another way to look at property investment. One that doesn't depend on policy settings staying the same.

Some regional markets are already there.

Broken Hill median: $217k, rental yield 10.7%.
Rockhampton: $383k, 7.3%.
Port Augusta: $321k, 6.9%.*

These aren't consolation prizes they're a different investment thesis.

Cash flow over tax concessions. Affordable entry. Industries driving genuine local demand.

The budget changes don't kick in until 2027, and existing holdings are grandfathered. So there's no immediate action required. But if your investment strategy only works in one policy environment, now's a reasonable time to review it.

Curious whether regional stacks up for your situation?

Get in touch. đź’¬

*Source: Ray White Group Research. General information only. Not financial advice. Speak to a qualified adviser before making investment decisions.

23/06/2026

For me borrrowing to purchase a property in my SMSF was a way of saving for retirement. Not anymore! Labor and the Greens have struck a deal that will ban new limited recourse borrowing arrangements (LRBAs) for residential property inside self-managed super funds.

It's not a one-size-fits-all solution but for the right person, combining multiple debts into one could mean lower inter...
19/05/2026

It's not a one-size-fits-all solution but for the right person, combining multiple debts into one could mean lower interest, simpler repayments, and more room in your monthly budget.
We've put together a quick, no-jargon guide covering:
âś… What debt consolidation actually means
âś… When it might be worth considering
âś… The traps to watch out for
âś… Why structure matters

And if you're thinking about consolidating your debts or just want to simplify your finances, reach out, we're here to help.

Following the Federal Government’s proposed move to limit negative gearing to new investment properties only from mid-20...
18/05/2026

Following the Federal Government’s proposed move to limit negative gearing to new investment properties only from mid-2027, some lenders are already starting to tighten their policies.

Macquarie Bank has advised brokers that negative gearing is no longer included in serviceability calculations for established investment properties purchased after Budget night, unless the property is a new build that adds to housing supply.

What does this mean?

Investor borrowing capacity could reduce, and first-home buyers may face more competition for new builds from investors who can still access tax benefits.

This is one to watch closely, as other lenders may follow.

This impacts first home buyers who wanted to rentvest. Rent where they work and invest in growth areas.

It might feel like just another chore, but staying on top of your due dates is actually one of the easiest ways to keep ...
17/05/2026

It might feel like just another chore, but staying on top of your due dates is actually one of the easiest ways to keep more money in your pocket. Here’s why your future self will thank you:

🚫 Zero late fees. Those $30–$50 penalties add up fast.

📉 Avoiding those compounding interest charges means you aren't paying extra for things you already bought.

Improve your credit score. Consistent payments are a major factor in your credit score. A better score can mean lower interest rates on future big wins like a car or a home. 🏠

🤸‍♀️ No "did I pay that?" anxiety. Just peace of mind and a clear headspace.

Remember, auto-pay is your best friend. Set it, forget it, and watch your savings grow instead of your debt.

How are you hitting your financial goals this month? 👇

Buying a home involves more than just the purchase price, it’s about your LVR. The Loan to Value Ratio is how banks asse...
17/05/2026

Buying a home involves more than just the purchase price, it’s about your LVR. The Loan to Value Ratio is how banks assess their risk and determine your interest rate. If your LVR is over 80%, you might need to factor in Lenders Mortgage Insurance. Understanding this ratio early can help you plan your deposit strategy more effectively.
Reach out if you want to run the numbers.

Motherhood doesn't fit in a job description. It's a thousand invisible roles, filled every day, without fanfare. Today w...
10/05/2026

Motherhood doesn't fit in a job description. It's a thousand invisible roles, filled every day, without fanfare.

Today we're taking a moment to name some of them and to say thank you to every woman who has shown up in this way, whether she carried you, chose you, or simply loved you like her own.

Happy Mother's Day.

Address

Sydney, NSW
2126

Opening Hours

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

Telephone

+61407211713

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