VD Mortgages Pty Ltd

19/08/2026

🏠 Negative Gearing – What’s the fuss about?

The Government is changing the rules from 1 July 2027.

In simple terms:

👉 New builds 🏗️ — negative gearing stays.

👉 Established property bought after 12 May 2026 — you can still have a rental loss, BUT you generally can’t use that loss to reduce your salary/wages for tax purposes. The loss can instead be used against other residential property income or carried forward.

👉 Already owned an investment property before 12 May 2026? You’re generally protected. 🙌

My view?
Property investing isn’t dead! 😂😉
But investors may need to look beyond “How much tax can I save?” and focus more on cash flow, location and the actual numbers.

Because at the end of the day… tax savings don’t pay the mortgage! 😜

—VD Mortgages | Lending made personal
Dang Thi Tuong Ty -Vicky 0414782410
———————————————————————-

* 🏠 Negative Gearing thay đổi từ 1/7/2027
* 📅 Áp dụng cho nhà cũ mua sau 12/5/2026
* ❌ Lỗ từ cho thuê không còn được trừ vào thu nhập tiền lương để giảm thuế
* ✅ Nhà mới xây: không bị ảnh hưởng
* 🛡️ Mua trước 12/5/2026: vẫn giữ nguyên quyền lợi hiện hành
* 📌 Lưu ý: đầu tư vẫn tiếp tục được, nhưng cần tính dòng tiền kỹ hơn, không chỉ dựa vào ưu đãi thuế
VD Mortgages Pty Ltd

19/05/2026

Investors right now: “Wait… my borrowing power went where?” 😭🏡

Macquarie Bank has become the first lender to remove most negative gearing add-backs from investment loan servicing calculations.

This follows the federal government’s proposed changes restricting negative gearing benefits to new builds, meaning future buyers of existing properties may no longer be able to claim rental losses against wage income for tax purposes.

What this could mean:
✔ Lower borrowing capacity for some investors
✔ More focus on new builds
✔ Brokers reaching for extra coffee ☕😅

The lending landscape keeps changing — strategy matters more than ever.

Thi Tuong Ty

17/03/2026

Another reminder of how closely interest rates affect our everyday lives. When the Reserve Bank of Australia increases rates, borrowing costs rise and mortgage repayments may go up for many homeowners.

Khi Reserve Bank of Australia tăng lãi suất, chi phí vay vốn và tiền trả góp có thể tăng theo—nếu bạn chưa rõ điều này ảnh hưởng thế nào đến khoản vay của mình, thì đây là lúc nên xem lại và cân nhắc các lựa chọn phù hợp.

If you’re unsure how these changes might affect your loan or future plans, it might be a good time to review your options.

17/03/2026

That’s it!!
The RATE is UP ⬆️😬

17/03/2026

Hoping for a HOLD this afternoon 🤞

08/03/2026

Global tensions can impact oil prices, inflation and interest rates.
However, historically the Australian property market has been quite resilient.

For homeowners and buyers, the key things to watch are interest rate movements and job stability, rather than the conflict itself.

If you have questions about your loan or borrowing plans, feel free to reach out anytime.

Vicky Dang Thi Tuong Ty
0414782410

26/02/2026

Hello my beautiful people,

Every year I try to raise a little money for different foundations. It’s something I feel responsible to do, when we’re fortunate, we should give back in the way we can.

This year I’m supporting Runway Run 26 for Sydney Children’s Hospitals Foundation.

I can’t do much alone, but together we can make a difference.

There’s no such thing as too big or too small — a donation, a share, a like, even a kind message means a lot to me. It tells me you’re standing with me 🫶.

I’m truly grateful for any support at all 🤍
Vicky Dang 🙏🏼

Hi there, I am walking the Runway Run 2026 to try and raise $1000 for Sydney Children’s Hospitals Foundation. The funds we raise will help Sydney’s world-leading paediatric hospitals and services provide extraordinary care to over 169,000 sick kids from across NSW every year. From the inner citi...

22/02/2026

Refinancing? Don’t get distracted by shiny cashback 👀

Everyone loves a “lower rate” headline. Same energy as “I’ll start diet Monday.” 😆

Before you jump:

• Is the rate actually better long term?
• What’s your real equity position?
• Any hidden fees or break costs?

Refinancing should improve your life — not just your mood for 5 minutes 😅

Message me 0414782410 if you want a straight answer. No fluff.
VD
Dang Thi Tuong Ty

20/02/2026

🚨 In great news for investors, we’re increasing the maximum interest only term on eligible investor loans from 10 to 15 years for loans up to 80% LVR - giving investors more breathing room and stronger cash flow support.✨💫

19/01/2026

Work mode: ON. Location: Mount Naeba. W**e: well deserved 😅.