Posts
All the articles I've posted.
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Refinancing Costs: Break Fees, Discharge Fees, and Government Charges
With the Reserve Bank of Australia delivering a 25‑basis‑point cut in February 2025 and wholesale funding markets pricing further easing, the material costs…
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Offset Account vs Redraw Facility: Which Reduces Interest More?
The Reserve Bank of Australia left the cash rate target unmoved at 4.35% at its May 2024 meeting, holding it at the highest level since November 2011 after a…
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Joint Tenants vs Tenants in Common: Tax Implications in Australia
The Australian Taxation Office sharpened its focus on property co-ownership from 1 July 2024, expanding its data-matching program with state revenue offices…
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Investment Loan Pre-Approval: Borrowing Capacity Based on Rental Income
An investor’s borrowing capacity no longer hinges solely on the headline cash rate after the Reserve Bank cut the official cash rate to 4.10% on 18 February…
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Cross-Collateralisation: How It Works and When to Avoid
When the Reserve Bank of Australia lifted the cash rate for the thirteenth time in November 2023, property investors who had built portfolios on the back of…
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SMSF Property Loan Rules: Borrowing to Buy Investment Property
The Australian Taxation Office has not been subtle about its intentions. On 17 July 2024, the ATO released its annual SMSF statistical overview confirming th…
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Property Depreciation Schedules: Claiming Capital Works and Assets
With new interest rate floors being embedded across the major banks’ serviceability calculators and a 3.0 percentage point buffer still policing every dollar…
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Interest-Only Loans for Investors: Rates, Terms, and Risks
Australia’s interest-only lending landscape has shifted into its most consequential phase since APRA’s 2017 macroprudential crackdown. The 2020-21 vintage of…
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Capital Gains Tax on Investment Property: Six-Year Exemption Rule
The Reserve Bank of Australia’s cash rate, held at 4.35% since November 2023, has shifted the arithmetic of holding a home. Variable-rate repayments on a $75…
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Bridging Loan Serviceability: How Lenders Assess Your Income When You Hold Two Properties
Understand how Australian banks calculate bridging loan serviceability when you're carrying two mortgages. We break down assessment methods, income treatment, and the numbers lenders actually use in 2026.
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Negative Gearing Explained: Tax Benefits for Property Investors
With the Reserve Bank of Australia holding the cash rate at 4.35% through its September 2024 meeting and a federal election due by May 2025, the tax treatmen…
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Buying Off-the-Plan: Deposit Requirements and Sunset Clause Risks
A deposit of 10% written on a contract in 2021 often landed in a trust account while the borrower’s pre-approval was anchored to a cash rate of 0.10%. Today…