Insights
Investing
Negative Gearing Changes: What Investors Need to Know
Negative gearing changes from 1 July 2027: only new builds can be negatively geared. Who is grandfathered, what counts as new and what to check first.
Capital Gains Tax Changes From 1 July 2027, Explained
CGT changes 2027: the 50% discount gives way to indexation and a 30% minimum tax on gains after 1 July 2027. How property held across the…
Moving Into Your Investment Property: Loan and Tax Effects
Moving into your investment property changes the loan rate, ends the interest deductions and splits capital gains tax by the time it was rented.
Renting Out Your Home: The Loan, the Tax and the 6-Year Rule
Turning your home into an investment property? Tell the lender, check which interest is deductible and use the 6-year rule to keep the sale tax free.
The NSW Low and Mid-Rise Housing Policy: Can You Build More?
The NSW low and mid-rise housing policy allows dual occupancies in R2 zones, with set lot sizes near 171 stations and town centres. What you can…
PAYG Withholding Variation for an Investment Property
A PAYG withholding variation lets an investor take a negative gearing refund in each pay. How to apply, what changes from 2027 and what lenders see.
Dual Key Property Loans: How Lenders Treat Two Rents on One Title
Dual key apartment loans: two self-contained homes on one title. Why some lenders limit them, how the two rents are counted and what to check first.
Buying a Block of Units on One Title: How the Finance Works
Multiple units on one title: when lenders treat a block of flats as residential, when it becomes commercial lending and how strata subdivision helps.
Student Accommodation Loans: Why Most Lenders Say No
Student accommodation loans in Australia: purpose-built units are small, managed and hard to resell, so most lenders decline or want a large deposit.
Childcare Centre Investment Loans: How Lenders Assess Them
Childcare centre investment is commercial property leased to an operator. How lenders assess the lease, operator and building, plus the deposit to expect.
Storage Unit Investment Loans: Financing a Self-Storage Unit
Storage unit investment in Australia: strata storage units are commercial property, so many home lenders will not fund them. The finance that works.
SDA Property Investment: Financing NDIS Disability Housing
NDIS property investment through SDA housing earns NDIS funding plus a resident contribution. How lenders value it, the vacancy risk and what to check.
Display Home Leaseback: How the Investment and Loan Work
In a display home leaseback the builder rents the home back for a set term. How the finance works, the valuation risk at the end and…
Should Your Business Buy Its Premises? Finance and Structure
Buying business premises instead of leasing locks in your location and builds equity. Who should own it, how lenders assess it and the SMSF option.
House Flipping in Sydney: Finance, Tax and the Real Costs
House flipping loans in Australia: how a flip is financed, why the profit is usually taxed as income and which holding costs to plan for.
Buying an Investment Property Interstate From Sydney
How lenders treat an interstate investment property bought from Sydney, which state’s duty and land tax apply and the postcode limits to check.
Buying a Tenanted Property in NSW: Leases, Loans and Moving In
Buying a tenanted property in NSW: the lease usually continues after the sale. How it is financed, the notice rules if you move in and first…
Granny Flat Finance in NSW: How to Pay for a Secondary Dwelling
How to fund a granny flat in NSW: equity, a construction loan or a refinance, the 60 square metre rule, approval paths and how lenders count…
Second Home and Holiday Home Loans: How Lenders Assess Them
Buying a holiday or second home: how lenders classify it, NSW land tax above $1,075,000, short-stay limits, capital gains tax and the 2027 changes.
Debt Recycling Explained: How the Loan Set-Up Works
Debt recycling replaces home loan debt with investment debt over time. How the loan splits work, the tax rule that decides it and the risks to…
How Much Deposit Do You Need for an Investment Property?
How much deposit an investment property needs: 20% to avoid LMI, 10% with it, using equity instead of cash, and the NSW duty and costs on…
How to Choose an Investment Property in Sydney: What the Numbers and Lenders Say
How to choose an investment property in Sydney: yield against growth, what lenders will finance, and new versus established after the 2026 tax changes.