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Debt Recycling in Australia: What It Is, How It Works, and Top Considerations

Paying off a home loan is often a significant financial milestone. But what if there were ways to potentially build long-term wealth at the same time? Debt recycling is a strategy that may help achieve this by converting non-deductible mortgage debt into investment-related debt, which could offer tax benefits depending on how it’s implemented. This […]

LVR and Investment Loans Explained: A Guide for Investors

Understanding LVR for Investment Loans A Complete Guide

Investing in property can be a valuable strategy for wealth-building, but understanding key financial concepts like Loan-to-Value Ratio (LVR) can help investors make more informed decisions. LVR plays a major role in determining borrowing capacity, the terms of a loan, and any additional costs that may be required. In this guide, Unconditional Finance will break […]

Negative Gearing and Investment Loans: A Guide for Property Investors

How Negative Gearing Works with Investment Loans

Negative gearing is a commonly used investment strategy in Australia, particularly among property investors seeking to build wealth over time. It plays an important role in the property market and can influence investor decisions and government policies. But what does it really mean, and how does it relate to investment loans? For many property investors, […]

Pre-Approval for an Investment Loan: Everything You Need to Know

Pre-Approval for an Investment Loan Everything You Need to Know

If you are planning to invest in property, getting pre-approved for an investment loan can be a crucial first step. It can provide clarity on how much you may be able to borrow and could strengthen your position when negotiating with sellers. Pre-approval is not a formal loan approval, but it gives you an indication […]

Tips to Avoid Capital Gains Tax on Investment Property in Australia

Australia’s Capital Gains Tax (CGT) on investment property can significantly impact your profits when selling, with rates depending on your income tax bracket. Typically, CGT is applied at the same rate as your income tax, with individuals in the higher tax brackets paying up to 45% on their capital gains. Fortunately, there are legal strategies […]

How Accountants Can Use Investment Properties to Build Wealth

How Accountants Can Build Wealth with Investment Properties

Accountants have a unique advantage when it comes to building wealth. With a strong understanding of tax laws, financial planning, and cash flow management, they are in a prime position to make smart investment decisions. One of the best ways for accountants to grow their wealth is through investment properties. In Australia, real estate has […]