Blogs

The Federal Government’s negative gearing and Capital Gains Tax (CGT) reforms represents a significant shift in how future property investments will be treated for tax purposes. For investors considering their next purchase, the changes may influence everything from the type of property they buy to how they assess cash flow and long-term returns. Legislated, many […]

When you’re planning to buy your first home or investment property, getting your head around all the jargon can feel overwhelming. One term you’re likely to come across is ‘conditional pre-approval’. Many buyers think conditional pre-approval means they’re ready to purchase a property immediately. However, conditional pre-approval is only one step in the lending process.

You might be earning the same income as you were six months ago, but that doesn’t necessarily mean you can borrow the same amount. Understanding your borrowing capacity is an important step before you start your home-buying journey. Your borrowing capacity is influenced by a range of factors, and it can change over time, even

Few decisions have a bigger impact on your financial future than buying a property. Whether it’s your first home, your next home or an investment property, getting the finance right can make a significant difference for years to come. So why are more Australians choosing to work with a mortgage broker when making such an

Renovating an investment property can help attract quality tenants, improve rental returns and potentially add value to your property. But before choosing paint colours or collecting quotes, it’s worth understanding how you’ll fund the project. Many investors focus on the renovation itself and overlook the impact their funding choice can have on cash flow, borrowing

After years of fierce competition, fast-rising prices and crowded auction weekends, the market is beginning to show signs of a shift. More properties are being listed for sale, homes are taking longer to sell, and buyers are becoming increasingly selective about what they’re willing to pay. One of the clearest signs of this changing market

With property prices easing in some markets and recent federal budget housing tax reforms appearing to reduce investor competition, conditions may be becoming more favourable for first-home buyers. In this type of environment, there could be more choice, less pressure and more room to negotiate than we’ve seen in recent years. Buying your first home can feel

Australia’s property market is moving through a softer phase. Rising interest rates, stretched affordability, and the federal budget’s tax reforms have eased buyer demand. This is particularly evident across Sydney, Melbourne, and Canberra, where prices have drifted lower since the start of the year. Conditions vary considerably by location, property type, and price bracket. While some markets continue to

With the cash rate on hold, many borrowers are taking a closer look at their home loans. If you haven’t reviewed yours in a while, it may be worth exploring whether your current loan still suits your situation. With cost-of-living expenses still stretching household budgets, even a small reduction in your interest rate could make a meaningful difference to

The 30th of June is fast approaching. For property investors, it’s a natural time to review your position and get records in order before the financial year closes. This year there’s an added reason to take stock. The Federal Budget introduced changes to negative gearing and capital gains tax that will affect how residential property