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What the proposed 30% trust tax floor could mean for property borrowers Family trusts are facing a major shift. If you use a discretionary trust for property, I recommend reviewing your structure now rather than waiting until you are ready to buy or refinance. A trust can affect how income is assessed, what documents are needed, and how much borrowing power you may have. * Trust deed review * Income and distribution history * Lender servicing position I can help you understand the moving parts and plan ahead with personalised guidance. DM me 'TRUST' and I will walk you through the next step. #Melbourne #DoncasterEast #Clyde #Tarniet #Craigieburn www.hqmortgage.com.au Mobile 0433371658 #HQMORTGAGE #FirstHomeBuyer #Carloans #TruckLoans #Commercialpropertty #Lowdocloans

Join Our Diwali Giveaway and Win a $1000 Gift Card! Celebrate Diwali with a chance to win a $1000 gift card! 🎉 Simply follow our page, like this post, and share it with your friends and family. It’s a great way to spread festive cheer and get rewarded. * Follow us * Like this post * Share it with your network I’m here to help you with personalised mortgage advice to make your home dreams a reality. Message me to get started! www.hqmortgage.com.au Mobile 0433371658 #HQMORTGAGE #FirstHomeBuyer #Carloans #TruckLoans #Commercialpropertty #Lowdocloans

How I help you pivot when the market changes The market can change fast, but your strategy should keep up. If policy or tax treatment shifts, I help you look at the full picture, not just the headline. Established homes and new builds can be assessed differently, so the right move depends on your goals, cash flow, and borrowing position. I can explain the trade-offs, define serviceability, and help you plan the next step with confidence. * What are you buying for now? * How will the loan affect cash flow? * What does your next move look like? Comment STRATEGY and I will help you map it out. #Melbourne #DoncasterEast #Clyde #Tarniet #Craigieburn www.hqmortgage.com.au Mobile 0433371658 #HQMORTGAGE #FirstHomeBuyer #Carloans #TruckLoans #Commercialpropertty #Lowdocloans

Celebrate Christmas with a $1000 Gift Card Giveaway! Celebrate Christmas with a chance to win a $1000 gift card! 🎉 Just follow my page, like this post, and share it with your friends and family. It’s a great way to spread holiday cheer and get rewarded. * Follow * Like * Share I’m here to provide personalised mortgage advice to help you achieve your home ownership goals. Message me to get started! www.hqmortgage.com.au Mobile 0433371658 #HQMORTGAGE #FirstHomeBuyer #Carloans #TruckLoans #Commercialpropertty #Lowdocloans

Mid-Year Property Review: Make Sure Your Mortgage Works for You We're halfway through 2026 — is your mortgage still the right fit? Interest rates have shifted, and refinancing could save you thousands annually. Refinancing means switching your home loan to a better rate or loan features like an offset account, which can reduce interest paid over time. Things to consider: * potential fees * lender eligibility criteria * any break costs if you have a fixed loan. I can help you review your options and find a solution tailored to your goals. Message me today to start your mid-year mortgage review. #midyearreview #refinancing #mortgageadvice www.hqmortgage.com.au Mobile 0433371658 #HQMORTGAGE #FirstHomeBuyer #Carloans #TruckLoans #Commercialpropertty #Lowdocloans

Own Your Pharmacy: Funding Solutions for Healthcare Entrepreneurs Thinking about owning your pharmacy instead of working for someone else? I specialise in funding healthcare shopfronts tailored for family businesses. From securing the right loan to managing your business growth, I’m here to guide you every step of the way. * Personalized funding options * Clear advice on loan structures * Support for your business goals Comment 'CHEMIST' below to start the conversation. #pharmacyfunding #healthcarebusiness #familybusiness www.hqmortgage.com.au Mobile 0433371658 #HQMORTGAGE #FirstHomeBuyer #Carloans #TruckLoans #Commercialpropertty #Lowdocloans

Own Your Fabrication Equipment with Fast, Flexible Finance Tired of leasing your fabrication equipment? I can help you own your CNC laser cutters and press brakes with finance approved in as little as 24 hours. Owning your gear builds equity and gives you more control over your business. * Fast approvals * Tailored finance options * Support every step of the way Send me a message with 'FAB' for a quick quote and let's get your business moving forward. #equipmentfinance #metalworkfinance #businessloans www.hqmortgage.com.au Mobile 0433371658 #HQMORTGAGE #FirstHomeBuyer #Carloans #TruckLoans #Commercialpropertty #Lowdocloans

Transform a Display Home Leaseback into Your Family Home Have you thought about buying a display home with a leaseback? It’s a clever way to invest and move into a beautifully finished home sooner. Here’s why it might work for you: * Rental income during leaseback helps with repayments * Homes are move-in ready and high quality * I can help you understand lender requirements and find the right loan Message me 'DISPLAY' and let’s chat about making this strategy work for you. #displayhome #leaseback #homeinvestment www.hqmortgage.com.au Mobile 0433371658 #HQMORTGAGE #FirstHomeBuyer #Carloans #TruckLoans #Commercialpropertty #Lowdocloans