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Ready to discover the keys to increasing your borrowing capacity? We’re sharing our best tips to help you improve your borrowing power! 🔑📈

Tip 3: Optimise your expenses

How much you’re spending day-to-day can play a role in determining what you can borrow. Take a closer look at your monthly expenses - from service providers to healthcare and of course, Uber Eats! Identify areas where you can trim and ideally redirect those funds towards loan repayments.

If you want to chat to an experienced broker who can help you identify ways to increase your borrowing capacity, get in touch today!

#MortgageBroker #MortgageTips #BorrowingCapacity #FinancialFreedom #FinancialGoals #DebtFreeJourney
💡 If you’re an investment property owner, understanding property depreciation is essential! Here’s why:

🏡 What is property depreciation?

Property depreciation is a tax deduction available to investment property owners. It refers to the wear and tear on the building and its fixtures over time, not the overall market value of the property.

🔍 How does it work?

The Australian Taxation Office (ATO) allows you to claim deductions in two ways:

Diminishing Value Method: Higher deductions in the early years.

Prime Cost Method: Equal deductions over the property’s life.

📉 Example:

Diminishing Value: If your property was purchased for $500,000, you could claim $25,000 in the first year.

Prime Cost: With a 2.5% annual deduction, you would claim $12,500 each year.

💸 Why claim depreciation?

Claiming depreciation reduces your taxable income, meaning you pay less tax. This reflects the natural wear and tear on your property.

🤔 Want to learn more? Hit follow or reach out to us today!

#InvestmentProperties #PropertyDepreciation #MortgageBroker #HomeLoans
Reminder! 🚨

We can help with a wide range of services including home loans, business loans, asset finance, debt consolidation, refinancing and much more!

Reach out today via the details on our page to learn more.

#MortgageBroker #HomeLoans #RefinanceLoans #AssetFinance #BusinessLoans
Need to bridge the gap between your current and future home? 🏠💰

Whether you're upsizing, downsizing, or relocating…bridging loans offer the solution to seamlessly transition to your next property, before selling your current one.

Contact us today via the info on our page to learn more!

#MortgageBroker #BridgingLoans #SeamlessTransition #HomeOwnershipJourney
... just a quick one though! 

Loans 📈📉 to write 💻🖱✍️ 
Dreams 🌄🏠 to secure ✨️ ✅️ 

#gettingitdone #smythloanco
Ready to discover the keys to increasing your borrowing capacity? We’re sharing our best tips to help you improve your borrowing power! 🔑📈

Tip 2: Income — Higher income translates to a higher borrowing capacity.

If you’re able to, explore opportunities to increase your earnings: take on extra work, negotiate a raise, or tap into alternative income streams.

If you’ve recently increased your overall income and want to chat to a professional about what it means for your borrowing capacity, get in touch today!

#MortgageBroker #MortgageTips #BorrowingCapacity #FinancialFreedom #FinancialGoals
Don't let financial stress weigh you down! 📉 It's time to take control of your finances and explore your options.

💰✨ Refinancing your loan could be the game-changer you've been looking for. With our expert guidance, you can potentially lower your interest rates and save big bucks in the long run. 🏡💸

Don't wait until it's too late! Reach out today and let's discuss how we can help you ease that pressure and put more money back in your pocket.

#MortgageBroker #Refinance #FinancialFreedom #SaveMoney
Not bad on the cheeks either #goodchair 😂