MoreThan Home Loans

MoreThan Home Loans We are a stress free property finance solutions provider,specialised in Home Loans & Mortgages. We provide you tailored finance solutions that suits your needs.

We do not charge you a fee. Authorised credit representative number:442683. MoreThan Home Loans offer the most suitable finance solutions to meet your personal finance needs. We understand that everyone is unique and we provide customised solutions to solve your individual financial needs. We have more than 30 lenders with over 400 loan products for

Investment Property Loans
First Home Loans
Mig

rant Home Loans
Car & Personal Loans
Commercial Loans
Plant and Equipment Loans
Asset Finance and Leasing

The key change is that Self-Managed Super Funds (SMSFs) can no longer enter into new Limited Recourse Borrowing Arrangem...
15/07/2026

The key change is that Self-Managed Super Funds (SMSFs) can no longer enter into new Limited Recourse Borrowing Arrangements (LRBAs) to acquire residential property from 10 August 2026. Existing arrangements are grandfathered, meaning they can continue under the previous rules.

Here's what that means:

Existing SMSF residential property loans: No change. If your SMSF already has a residential property under an LRBA before the commencement date, it can continue under the existing borrowing arrangement.
New residential purchases using borrowing: No longer permitted after the commencement date. SMSFs may still purchase residential property using available cash within the fund, but not by establishing a new LRBA.
Commercial property: The reform is directed at residential property borrowing. Borrowing for eligible business real property remains available under the existing LRBA framework, subject to the usual SMSF rules.
Why was the law changed?

The government stated the reform was intended to:

reduce leveraged demand for residential housing,
reinforce the retirement-income purpose of superannuation, and
address concerns that SMSF borrowing could increase financial system risk.

The measure formed part of a broader tax reform package negotiated between the government and the Greens.

Impact on investors

For people planning to use an SMSF loan to buy residential investment property, this is one of the biggest SMSF property changes in over a decade. Investors will generally need to consider alternatives such as:

buying residential property within the SMSF without borrowing,
investing in commercial property through the SMSF (where eligible),
or holding residential investment property outside super.

If you're writing content for clients or investors, this is a timely topic. A post titled "The End of SMSF Borrowing for Residential Property: What Every Australian Investor Needs to Know" would likely attract strong interest because many people are still unaware of the change.
Call us on 0468 332 187 for more information.

People invest in Australian residential real estate for a combination of financial, practical, and tax reasons. Whether ...
15/07/2026

People invest in Australian residential real estate for a combination of financial, practical, and tax reasons. Whether it's a good investment depends on factors like purchase price, interest rates, rental demand, and the investor's goals, but the main motivations include:

Capital growth
Many investors expect property values to rise over the long term.
Australia's population growth, urbanisation, and limited land in desirable suburbs have historically supported price appreciation in many areas.
Not every location performs well—growth varies significantly by city, suburb, and market cycle.

Rental income
Investment properties can generate regular rental income.
Rent can help cover mortgage repayments, maintenance, insurance, and other ownership costs.
In some cases, rental income exceeds expenses (positive gearing); in others, investors accept a shortfall (negative gearing) in anticipation of future capital gains.

Leverage
Property is commonly purchased with borrowed money.
For example, with a 20% deposit, an investor controls an asset worth five times their equity.
If property values rise, returns on the investor's equity can be amplified. The reverse is also true if prices fall.

Tax benefits
Australian investors may benefit from:
Negative gearing, where eligible investment losses can offset other taxable income.
Depreciation deductions on certain building components and fixtures.
A capital gains tax discount for eligible assets held longer than 12 months.
These rules can improve after-tax returns but should not be the sole reason to invest.

Inflation hedge
Property values and rents often tend to increase over long periods as inflation rises.
Fixed-rate debt can become easier to service in real terms if incomes increase over time.

Tangible asset
Unlike shares, property is a physical asset people can see, improve, and use.
Some investors value having more control over the asset through renovations or redevelopment (subject to planning rules).
Portfolio diversification
Investors often hold property alongside shares, bonds, and cash.
Different asset classes may perform differently over time, which can help diversify investment risk.
Strong housing demand
Australia has experienced:
Population growth through natural increase and migration.
Concentration of jobs in major cities.
Periods of constrained housing supply.
These factors can support both rents and property values, although local conditions vary considerably.
Why some investors avoid residential property

Residential property also has notable drawbacks:

High upfront costs (stamp duty, legal fees, inspections).
Ongoing costs (maintenance, insurance, council rates, property management).
Illiquidity—it can take weeks or months to sell.
Concentration risk if much of an investor's wealth is tied to one property.
Interest rate risk, especially for highly leveraged investors.
Regulatory and tax changes can affect returns.
Vacancy risk and unexpected repair costs.
Why Australians often favour property over shares

Property has become a popular investment in Australia because:

Many people are familiar with housing through home ownership.
Banks generally lend substantial amounts against residential property.
Historically, housing has delivered long-term capital growth in many major metropolitan areas.
Property ownership is often viewed as a stable, long-term way to build wealth.

That said, property has not always outperformed other investments. Over long periods, diversified share portfolios have also produced strong returns, often with lower transaction costs and greater liquidity. The better choice depends on an investor's objectives, risk tolerance, time horizon, and financial circumstances.

For many Australians, residential real estate is attractive because it combines the potential for capital growth, rental income, access to leverage, and favourable tax treatment. Those advantages need to be weighed against the costs, risks, and the fact that future returns are never guaranteed.

🚨 MAJOR SUPERANNUATION UPDATE: SMSF Residential Lending Ban Announced 🚨The Federal Government has just announced a major...
25/06/2026

🚨 MAJOR SUPERANNUATION UPDATE: SMSF Residential Lending Ban Announced 🚨
The Federal Government has just announced a major policy shift that will fundamentally change how Self-Managed Super Funds (SMSFs) invest in property.
Here is what you need to know about the upcoming ban on residential property borrowing (LRBAs):
🛑 The Ban: SMSFs will be legally banned from taking out new loans to purchase residential property.
🏢 Commercial Property is EXEMPT: You can still use your SMSF to borrow and buy commercial real estate (warehouses, offices, medical suites, etc.). Borrowing for shares/ETFs also remains legal.
🛡️ Existing Loans are Safe: If you already have a residential property loan in your SMSF, it is fully grandfathered. You can keep it, maintain it, and even refinance it (as long as you don't increase the loan amount).
⏳ The "45-Day Dash" is On: The ban kicks in exactly 45 days after the legislation passes, which is expected to lock in the cutoff date around mid-to-late August 2026.
📝 Midstream Deals Protected: Any residential property contract signed before the official cutoff date will still be allowed to settle, even if the loan settles after the deadline.
What this means for you: If you’ve been planning to buy a residential investment property using leverage inside your SMSF, the clock is officially ticking. You must have a contract exchanged before the August deadline, or pivot your strategy to commercial property or buying residential outright with 100% cash.
💬 Are you caught in the 45-day dash? Drop your questions below or reach out to your financial advisor immediately to see how this impacts your strategy.

☎️ 0468 332 187

📈 Turn your 30-year mortgage into 15.Here’s how:1 extra payment = ~6 years off2 extra payments = ~12 years off3 extra pa...
25/06/2026

📈 Turn your 30-year mortgage into 15.
Here’s how:

1 extra payment = ~6 years off

2 extra payments = ~12 years off

3 extra payments = ~18 years off

The key? Principal-first payments.
Build wealth. Build freedom. Faster.

2027 Budget Winners and Losers!
12/05/2026

2027 Budget Winners and Losers!

The Reserve Bank of Australia raised its cash rate by 25bps to 4.35% @ its May 2026
05/05/2026

The Reserve Bank of Australia raised its cash rate by 25bps to 4.35% @ its May 2026

☎️ 0468 332 187 for your Home Loan Review now!
22/04/2026

☎️ 0468 332 187 for your Home Loan Review now!

শুভ নববর্ষ MoreThan Home Loans
13/04/2026

শুভ নববর্ষ MoreThan Home Loans

Got a $400,000 mortgage at 6%?That’s $863,352 in total payments over 30 years.Want to cut that number dramatically?👉 Add...
12/04/2026

Got a $400,000 mortgage at 6%?

That’s $863,352 in total payments over 30 years.

Want to cut that number dramatically?
👉 Add just $50/week → save $104,182 in interest
👉 Add $100/week → save $167,642

Same house.
Same interest rate.
But a smarter payoff strategy.

This is how you save six figures—without increasing your income.

Address

Toowong Village
Toowong, QLD
4066

Opening Hours

Monday 9am - 6pm
Tuesday 9am - 6pm
Wednesday 9am - 6pm
Thursday 9am - 6pm
Friday 9am - 7pm
Saturday 9am - 1pm

Telephone

+61468332187

Website

,

Alerts

Be the first to know and let us send you an email when MoreThan Home Loans 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 MoreThan Home Loans:

Shortcuts

Share

Category