The Six-Year CGT Rule: What Happens When Your Home Becomes an Investment Property?
Key Takeaways Keeping a former home and renting it out can create important tax considerations, particularly if the property is sold later. For homeowners turning a principal place of residence into an investment property, one consideration is whether Australia’s six-year rule could affect the Capital Gains Tax (CGT) treatment of a future sale. The tax […]
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 […]
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 […]
Capital Gains Tax (CGT) Changes Explained: A Guide for Australian Property Investors
Key Takeaways Capital Gains Tax (CGT) has long influenced how Australian property investors assess holding periods, ownership structures and the potential proceeds from selling an asset. Following the 2026–27 Federal Budget reforms, the treatment of eligible capital gains will change from 1 July 2027 under legislation that is now law, creating a different planning environment […]
Negative Gearing vs Positive Cash Flow Property: Comparing Investor Strategies After the Reforms
Key Takeaways For many Australian property investors, the decision between negative gearing and buying a positive cash flow property has traditionally involved balancing short-term cash flow against long-term growth potential. Following the Federal Government’s announced negative gearing changes, that decision may become more nuanced, with tax settings representing only one part of a broader investment […]
Negative Gearing on New Builds: What Investors Need to Know After the Reforms
Key Takeaways The legislated negative gearing changes for investors may influence how Australians evaluate residential investment property. While affected established properties acquired after the relevant cut-off are generally subject to new restrictions from 1 July 2027, qualifying new residential dwellings receive different treatment under the legislation. As a result, investors considering their next purchase may […]
Grandfathering and Negative Gearing: What Existing Property Owners Need to Know
Key Takeaways The recent negative gearing changes for investors have prompted existing property owners to reassess their position. While much of the public discussion has focused on future buyers, current investors are often asking a different question: what happens to the investment property I already own, and how does grandfathering negative gearing apply? The reforms […]
Negative Gearing Changes Explained: A Guide for Australian Property Investors
Key Takeaways Negative gearing is entering a new phase in Australia. The reforms announced in the 2026–27 Federal Budget became law on 26 June 2026 and are scheduled to apply from 1 July 2027. For property investors, the immediate question is no longer whether the changes might pass Parliament. It is how the legislated rules […]
2026 Federal Budget: What the Negative Gearing & CGT Changes Mean for Property Investors
Last Federal Budget announcement has sparked a lot of discussion, particularly around proposed changes to negative gearing, Capital Gains Tax (CGT), and investment property taxation more broadly. If you own investment property, or you’re planning to, there’s understandably a lot of uncertainty right now about what this means for your existing portfolio and your strategy […]
What to Do if You Can’t Refinance Your Home Loan: Plan B Strategies That Still Save Money
Getting knocked back for a refinance when your home loan rate is higher than it should be is genuinely frustrating. You’ve done the research, you’ve compared rates, you might have even started an application — and then you hit a wall. Whether it’s a serviceability issue, a credit blip, not enough equity, or simply bad […]
Using Your Home Loan to Consolidate Debt: When It Helps and When It Hurts
Rolling personal debt into a home loan can feel like a clean solution to a messy problem. One repayment, a lower interest rate, and more breathing room each month. For some borrowers, that is exactly what plays out. For others, what looks like a smart move on paper quietly turns a short-term debt problem into […]