Tag: Investor
All the articles with the tag "Investor".
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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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Land Tax Thresholds in Victoria: Calculation and Exemptions
From midnight on 31 December 2023, the calculus of Victorian land tax shifted permanently for thousands of property investors. The State Taxation Acts Amendm…
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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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Rental Yield Calculation: Gross vs Net Yield and Benchmarks
The Reserve Bank of Australia held the cash rate at 4.35% p.a. in November 2023, pausing after 400 basis points of tightening since May 2022. That pause does…
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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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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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Fixed vs Variable Investment Loan Rate Trap: Break Costs and Revert Rates
The number of Australian investment property loans fixed at sub‑2.5% p.a. during the 2020‑2021 rush – roughly $260 billion of housing credit by RBA estimates…
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Using PPOR Equity for Investment Purchase: Cross-Secured vs Standalone Loan
For the first time in over a decade, the mechanics of extracting equity from a principal place of residence to fund an investment purchase have become a genu…