DNA Finance Pty Ltd

🏡 SELF-EMPLOYED? Getting a home loan doesn’t have to be complicated.

If you run your own business, you may already know the frustration of being asked for multiple years of financials, tax returns, Notices of Assessment and additional paperwork just to demonstrate your income.

But not every lender assesses self-employed borrowers the same way.

At Funding Ace, I can help explore lending options that may offer more flexibility, including:

✅ 1 year of financials with some lenders
✅ Alternative documentation (Alt Doc) options where eligible
✅ Options that may not require traditional tax returns or NOAs
✅ Access to Prime, Near Prime and Specialist lenders
✅ Solutions for home purchases, refinancing and investment lending

The key is finding a lender whose credit policy fits your circumstances, rather than trying to make your circumstances fit one bank's policy.

👨‍💼 Nish Vyas | Finance Broker
📞 0444 999 7147
🌐 fundingace.com.au
📧 [email protected]

💬 Self-employed and wondering how much you could borrow? Send me a message and let’s explore your options.

Eligibility, lending criteria, terms and conditions apply. Documentation requirements vary between lenders and individual circumstances.

🚨 7 Costly Mistakes People Make When Building a Home (And How to Avoid Them) 🏡🔨

Building a home can be one of the most exciting journeys you'll ever take—but it can also become expensive if you don't plan properly.

Here are the most common mistakes I see first-home buyers and upgraders make:

❌ Mistake #1: Falling in love with a home design before knowing your budget.
✅ Get a finance assessment or pre-approval first.

❌ Mistake #2: Forgetting about hidden costs.
✅ Allow a contingency buffer for site works, fencing, landscaping, air conditioning, floor coverings and other extras.

❌ Mistake #3: Choosing the cheapest builder.
✅ Compare inclusions, reputation, build quality and financial stability—not just price.

❌ Mistake #4: Spending your savings before settlement.
✅ Keep your funds available until settlement and construction are well underway.

❌ Mistake #5: Not understanding progress payments.
✅ Know how construction loans work and budget for possible variations.

❌ Mistake #6: Making major financial changes during construction.
✅ Avoid new loans, increasing credit card limits or changing jobs without first seeking advice.

❌ Mistake #7: Getting finance advice too late.
✅ Speak to a broker before signing a land or building contract.

💡 Real Example:
A client budgeted $700,000 for land and construction. Once site costs, fencing, landscaping and upgrades were included, the total increased by another $35,000. Fortunately, they had planned ahead and built a contingency buffer into their budget.

📌 The most successful home builders aren't always the ones with the biggest budgets—they're the ones with the best planning.

If you're considering a land and build package, construction loan, or simply want to understand your borrowing capacity, feel free to reach out.

📞 044 999 7147
📧 [email protected]

WA Stamp Duty Changes 2026 – First Home Buyer Boost
Bigger Savings for WA First Home Buyers

The Western Australian Government has announced major stamp duty relief measures as part of the 2026–27 State Budget, helping more first home buyers enter the property market sooner.

Key Changes Effective from 7 May 2026*
🏡 Established & New Homes

✅ No stamp duty for eligible first home buyers purchasing homes up to $600,000
⬆ Previous threshold: $500,000

✅ Concessional stamp duty rates now available for homes valued up to $800,000

🌱 Vacant Land Purchases

✅ No stamp duty on vacant land purchases up to $450,000
⬆ Previous threshold: $350,000

✅ Concessional rates available on land valued up to $550,000

💰 First Home Owner Grant (FHOG)

✅ FHOG property cap increased from $750,000 to $800,000

✅ Eligible first home buyers may still receive the $10,000 grant when building or purchasing a new home

🏗 Off-the-Plan Concessions Extended

✅ Off-the-plan stamp duty concessions extended until 30 June 2028

Estimated Savings

💸 Savings of up to $22,515 for eligible first home buyers purchasing a home

💸 Savings of up to $25,390 for eligible house & land package buyers

As we gather around the sacred fire of Holika Dahan, we are reminded of a timeless truth — that courage, integrity, and light always rise above fear, confusion, and uncertainty.
This festival is more than a ritual; it is a moment of reflection. A moment to release what weighs us down, to let go of doubts, and to step into a new season with clarity and purpose.
At Fundingace, we see this spirit reflected in the journeys of the families and individuals we support every day. Just as Holika Dahan symbolises the triumph of good over negativity, we believe in helping people rise above financial complexity, misinformation, and hesitation — guiding them toward decisions that bring stability, confidence, and long‑term peace of mind.
May the flames of this evening burn away every obstacle standing in the way of your growth.
May your home be filled with safety, warmth, and renewed hope.
And may this new beginning open doors to opportunities, prosperity, and meaningful progress for you and your loved ones.
Wishing you a blessed, peaceful, and deeply meaningful Holika Dahan — from the entire Fundingace family.

Top 10 in Western Australia! 🌟

I’m thrilled to be named one of Finsure’s Top Brokers for Residential Lending in November. A massive thank you to my amazing clients and partners for your continued trust and support. 🤝

Results like this are only possible because of you!

📍 www.fundingace.com.au 📧 [email protected] 📞 044 999 7147

Self-employed? Don’t let complex paperwork stand in the way of your property goals! 🚀

✅ ABN less than 6 months? We can help. ✅ No full business financials? Use your NOAs instead. ✅ Director wages? Get assessed as a PAYG earner.

We make the complex simple. Reach out to the team at Funding Ace! 🤝

Want to skip the 10-year savings plan? 🏃💨

Buying from family isn’t just a "nice gesture"—it’s a powerful financial move. ✅ Instant Equity ✅ No Bidding Wars ✅ Better Borrowing Power

Example: Market Value $800k → Purchase Price $500k = **$300k Instant Equity.** 🤯

Don't let the "Government Rules" like Stamp Duty catch you off guard. Work with a broker who knows the ins and outs of non-arm's length deals.

Get started with Funding Ace:
☎️ 044 999 7147 📧 [email protected] 🌏 www.fundingace.com.au

💰 Unlock your property dream in WA! Borrow up to 90% LVR with NO Lenders Mortgage Insurance (LMI). All occupations welcome!

📱 044 999 7147
📧 [email protected]
🌐 www.fundingace.com.au

Your Quick Essential Checklist for SMSF Lending Requirements is here! ✅
Trust Deeds & SIS Act Compliance
LRBA Structure
Deposit & Liquidity (20-30%)
Last 2 Years of SMSF Financials

📱 044 999 7147
📧 [email protected]
🌐 www.fundingace.com.au