Enlighten Finance by A Rubel - Property, Lending & Finance Specialist

📢 June RBA Announcement: Rates Remain Unchanged! 📢

The RBA has held the official cash rate steady at 4.35% at today’s meeting.

While it's a welcome pause after a tight start to 2026, the Board has signaled they will remain vigilant on inflation, meaning future hikes are still possible later this year.

Stability means it’s the perfect time to review. Are you currently getting the best deal on your home loan?

Let’s check! Reach out to the team at Enlighten Finance, and we’ll do the heavy lifting to compare your options across 30+ lenders.

📧 [email protected]
📞0433 199 363
🌐 enlightenfinance.com.au

🚗 Ready for a new car before EOFY? If you're an ABN holder, self-employed, or a business owner, now is the perfect time to upgrade your vehicle and maximize your tax benefits before June 30!

At Enlighten Finance, we specialize in flexible finance solutions tailored specifically to your business needs.

☀️ Why choose our EOFY Special?
🔹 No or Minimal Income Documents required
🔹 Fast Approval to get you moving quickly
🔹 New & Used Vehicles covered
🔹 Self-Employed & Business Owners welcome!

Don't let the EOFY rush catch you off guard. Let us handle the heavy lifting so you can get behind the wheel sooner.

📲 Send us a message today or comment below to check your eligibility!

🏠 Budget 2026–27: What It Means for Property Investors
The federal budget just changed the rules on negative gearing and capital gains tax. If you own — or are thinking of buying — an investment property, you need to read this.
👇 Full breakdown here:

Negative Gearing & CGT Changes 2026 | Enlighten Finance Melbourne The 2026-27 federal budget has changed negative gearing and CGT rules for property investors. Melbourne mortgage broker Abdullah Rubel explains what it means for you.

🏠 Attention Property Investors!
Are you keeping track of your rental income, expenses and tax deductions properly?
I've created a FREE Investment Property Tax Calculator — an Excel tool that automatically calculates everything you need before tax time, across multiple properties.
✅ Gross rental income
✅ All property expenses
✅ Net rental income or loss
✅ Investor-split tax deductions
✅ Consolidated summary — ready for your accountant
💬 Comment below or DM me and I'll send it to you for FREE!
👇 Tag a property investor friend who needs this!

The Reserve Bank of Australia has increased the cash rate by another 0.25%, and if you're a homeowner, this means your repayments are going up once more.

These continued rate rises can put real pressure on household budgets — but there are strategies available to help you manage the impact.

If you're concerned about how this rate increase affects your home loan, now is the time to act.
📩 Reach out to me directly so we can:

Review your current home loan rate, Explore refinancing options that could reduce your repayments. Put a smarter repayment strategy in place for your situation

Don't wait for the pressure to build — let's make sure your home loan is still working in your favor.

💬 Send me a message, comment below, or give me a call. I'm here to help.

📌 *Thinking About an SMSF? Here’s What You Need to Know*

Self‑Managed Super Funds (SMSFs) can be a powerful way to take control of your retirement strategy — but they also come with responsibilities. At Enlighten Finance, we help clients understand whether an SMSF structure is the right fit for their goals.

Why Australians Consider an SMSF?

• Greater control over investment choices
• Ability to invest in residential or commercial property
• Potential tax advantages
• Flexibility in managing contributions and retirement planning

*Key Things to Keep in Mind*
• SMSFs require time, knowledge, and ongoing compliance
• Trustees are responsible for all decisions
• Borrowing through an SMSF (LRBA) has strict rules
• Property purchased through an SMSF must meet ATO guidelines

*How Enlighten Finance Can Help*
We work with trusted accountants, planners, and lenders to assist with:
• SMSF lending (LRBA)
• Property finance inside an SMSF
• Refinancing existing SMSF loans
• Understanding lender requirements and borrowing capacity

If you’re considering an SMSF or want to explore your lending options, we’re here to guide you through the process with clarity and confidence.

Enlighten Finance — empowering smarter financial decisions.

🏡 Big news for mainstream home buyers and investors!
For the first time, you don’t need to be in a special profession to qualify for an LMI waiver — this offer is now available to mainstream buyers 🙌
At Enlighten Finance, we’re helping clients borrow up to 90% WITHOUT paying Lenders Mortgage Insurance (LMI) — whether you're buying your first home or expanding your investment portfolio.
✅ Available for both Owner Occupied & Investment Purchases
✅ Save thousands in LMI fees
✅ Competitive interest rates
✅ No need to be a doctor, lawyer, or high-income professional — this is open to YOU
This is a rare opportunity to unlock more value from your loan and take a confident step toward your property goals.

📞 Contact me directly to explore your options:
Abdullah Rubel
Director & Finance Broker | ACL: 383647
📱 0433 199 363
📧 [email protected]
🌐 www.enlightenfinance.com.au

Let’s make your dream home or next investment a reality — smarter, faster, and with more savings.