Justin Kors2 months ago
We honestly couldn’t recommend Shane highly enough. From the very beginning, Shane guided us through every step of the process with...
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The LoanBuddy blog
Lending written up the way it actually works, by a broker who settles these loans rather than writes about them.
Every article here is written by Shane Heness, owner of LoanBuddy in Parramatta NSW and a mortgage broker of eight years. The focus is the lending we specialise in: investment loans, SMSF lending, construction finance, bridging and guarantor loans. Where a rule or a number is quoted, the date it applied is stated so you can tell whether it is still current.
Investment Loans
Negative gearing changes and your borrowing capacity
The law starts 1 July 2027. Lender calculators changed in May 2026, cutting investor capacity by 20 to 30 per cent. New builds are the exemption.
18 September 2026 · 7 min readHome Loans
Low doc and self-employed lending in Western Sydney
What lenders accept instead of two years of tax returns, and how alt doc lending actually works for self-employed borrowers.
4 September 2026 · 6 min readSMSF Loans
SMSF lending after the LRBA changes: what is still possible
New residential LRBAs ended on 10 August 2026. Refinancing an existing one and borrowing for business real property both still work.
21 August 2026 · 6 min readBridging Finance
Bridging finance in 2026: when it makes sense and what it costs
Modern bridging capitalises interest with no repayments during the term. The five situations where it beats the alternatives, and what it actually costs.
7 August 2026 · 6 min readConstruction Loans
Knockdown rebuild finance in NSW: what lenders need before they approve
How the valuation works while the old house is still standing, CDC versus DA, and the document set that gets a rebuild approved.
24 July 2026 · 6 min readInvestment Loans
Buying your second, third and fourth investment property: how servicing changes each time
Why property two is harder than property one, and property four is a different exercise entirely. Rental shading, DTI caps and lender sequencing.
10 July 2026 · 6 min readConstruction Loans
Construction loan progress payments explained: how drawdowns actually work
The five standard stages, what percentage the bank releases at each, how long each draw takes and what holds them up.
26 June 2026 · 6 min readGuarantor Loans
Guarantor loans explained: what your parents are actually signing
What the guarantee actually covers, what it puts at risk, and how it gets released. Written for the parents, not just the buyer.
12 June 2026 · 7 min readRefinancing
Extra repayments and how they impact your home loan
What extra repayments really save, offset versus redraw, the fixed rate caps, and the tax trap if you ever rent the property out.
29 May 2026 · 5 min readHome Loans
Income and employment: your path to home loan approval
How lenders read probation, casual, contract, overtime, bonus and self-employed income, and why the same payslips produce different answers.
15 May 2026 · 6 min readRefinancing
Top 5 ways to switch from variable to fixed rate mortgages
Five routes from variable to fixed, what each one costs, and the offset and extra repayment trade-offs nobody mentions until afterwards.
1 May 2026 · 6 min readConstruction Loans
Understanding the risks of construction loans in Australia
The six risks that actually derail a build: builder insolvency, variations, valuation shortfalls, title delays, holding costs and approval expiry.
17 April 2026 · 6 min readBrowse by topic
Where to start
Investment lending
Servicing, structuring and buying your next property without blocking the one after it.
View service →SMSF lending
What is still possible after the 10 August 2026 LRBA ban, for residential and commercial.
View service →Construction finance
Progressive drawdowns, knockdown rebuilds and house and land, managed slab to handover.
View service →Client Reviews
Trusted by clients across NSW and Australia-wide
Rated 5.0 from 101 Google reviews. Pulled live from Google, always current.
Liam Jalilian2 months ago
I had an excellent experience working with LoanBuddy (Shane) mortgage broker. From the beginning, he was professional, knowledgeable...
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Chelyn Baker2 weeks ago
Absolutely outstanding service. My mortgage broker Shane was knowledgeable, responsive, and made the entire process smooth and...
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georgia gough5 months ago
We originally moved to Shane based on a recommendation, and it was one of the best decisions we’ve made. From the start, he’s been...
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Batool raza7 months ago
I’m extremely happy with my experience working with Shane. From the very beginning, they were professional, knowledgeable, and...
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