Turning Your Home Into an Investment Property: Finance and Tax Considerations
Key Takeaways Keeping a current home as an investment property rather than selling it can change more than the property’s occupancy. The existing mortgage, expected rental income, future borrowing capacity and potential tax treatment may all need to be considered when the property moves from private to income-producing use. For homeowners considering this change, speaking […]
How to Increase Your Borrowing Capacity for an Investment Property
Key Takeaways Borrowing capacity can become a constraint for property investors even when they have stable income or substantial equity. Existing mortgages, credit limits, household expenses and lender serviceability assumptions may all influence how much additional debt a lender is prepared to consider. For investors considering another property, understanding these factors before applying can provide […]
Investment Property Finance Strategies: Borrowing Capacity, Equity and Loan Structuring
Key Takeaways Financing an investment property can become more complex as interest rates, lender policies and household commitments change. A borrower who appears to have sufficient income or equity for another property may still find that a lender reaches a different conclusion after assessing existing mortgages, living costs, rental income and serviceability buffers. This makes […]
Off-the-Plan Investment Properties: Benefits, Risks and Finance Considerations
Key Takeaways Buying an investment property off the plan creates a different financial timeline from purchasing an established property. An investor may sign a contract and pay a deposit well before completion, while much of the remaining purchase price may become payable at settlement. During that period, property values, interest rates and the investor’s financial […]
House and Land Packages for Investors: Finance, Tax and Buying Considerations
Key Takeaways House and land packages can provide one pathway to acquiring a newly constructed investment property, but the transaction can work differently from buying an established dwelling. The land may settle before construction begins, building funds can be released progressively, and rental income may not start until the property is completed and available to […]
Construction Loan for an Investment Property: What Investors Should Know
Key Takeaways Building an investment property involves a different financing process from purchasing an established dwelling. Instead of borrowing against a completed property at settlement, an investor may need finance that follows the construction process, with funds released as the build progresses. This can create additional considerations around borrowing capacity, cash flow, valuations and the […]
What Qualifies as New Build Properties for Investors Under the New Rules?
Key Takeaways From the 2027–28 income year, the distinction between a new build and an established residential property will become more important for Australian property investors. Changes to negative gearing and Capital Gains Tax (CGT) mean that the tax treatment of an investment property may partly depend on whether it satisfies the applicable rules for […]
New Build Properties for Investors: A Guide to Off-the-Plan Investment Property
Key Takeaways Purchasing an investment property is a significant financial commitment involving borrowing capacity, cash flow, market conditions and personal objectives. While many investors consider established homes, new build properties for investors may appeal because of their contemporary design, potential depreciation deductions and availability in growing residential areas. An off-the-plan investment property, however, introduces additional […]
New Build CGT: Understanding the Capital Gains Tax Changes
Key Takeaways New residential investment properties have become an increasingly important part of Australia’s housing market, particularly following the capital gains tax changes introduced as part of the 2026–27 Federal Budget reforms. For many investors, purchasing a newly constructed property is no longer simply a decision about rental income and long-term capital growth. It may […]
CGT on House and Land Packages: What Property Investors Need to Know
Key Takeaways House and land packages continue to attract interest from Australian property investors because they can provide an opportunity to purchase land and construct a new dwelling, often using staged finance. Following the capital gains tax changes announced as part of the 2026–27 Federal Budget reforms, investors may also be considering how the revised […]
Selling an Investment Property After the Capital Gains Tax Changes
Key Takeaways For many Australian property investors, deciding whether to sell an investment property has become more complex following the capital gains tax changes introduced as part of the 2026–27 Federal Budget reforms. While property values, rental income and interest rates remain important considerations, the revised Capital Gains Tax (CGT) framework has added another factor […]
How CGT Changes Compare Indexation With the Previous 50% Discount
Key Takeaways Capital gains tax (CGT) has become a much bigger consideration for Australian property investors following the 2026–27 Federal Budget reforms. From 1 July 2027, eligible capital gains will no longer automatically receive the long-standing 50% CGT discount. Instead, many gains accruing after that date will be assessed using cost base indexation together with […]