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CGT when selling your rental property
January 7, 2025Debt Advice & Mortgages
How capital gains or losses apply When you sell or dispose of a rental property you may make a capital gain or loss. A capital gain or loss is the difference between what it cost you to obtain and improve the property (the cost base) and the amount you receive when you dispose of it....Read More
The lowdown on negative gearing
January 7, 2025Debt Advice & Mortgages
Recently, negative gearing has been making waves in the news and with rental affordability becoming a serious issue in Australia, various political parties have weighed in. While some argue that it’s a vital tool for encouraging investment in housing and fixing the housing crisis, others believe it fuels property price increases, contributing to housing affordability...Read More
Consider the expenses involved in refinancing If you’re debating whether to refinance your home loan, you need to think about whether the benefits of switching home loans will outweigh the costs involved. There are a number of expenses to consider, including charges and fees from your current lender (and from your new lender if you’re...Read More
Why invest in property? Investing in property is a popular choice for many people as you can both earn rental income and benefit from capital growth. Another advantage of investing in property is the ability to negatively gear the property. Negative gearing allows you to deduct some of your costs from your taxable income and...Read More
Interest rates are officially on hold, but unofficially they’re not. Don’t expect an official rate cut anytime soon. That was the latest message from the Reserve Bank of Australia (RBA) as it kept its policy cash rate on hold at 4.35% and ruled out any near-term prospect of an official rate reduction. There’s even a...Read More
We’ve all heard about downsizing and upsizing, but what about rightsizing? ‘Rightsizing’ is used for when you find the right fit for you. In property terms, this means a property that best suits your circumstances and lifestyle. What is rightsizing? While upsizing and downsizing are largely focussed on the size and financial commitment of the...Read More
Investing in the property market
October 14, 2024Debt Advice & Mortgages
Are you thinking about buying an investment property? Buying a property that you do not plan to live in can help you increase your wealth and accelerate your financial wellbeing. Property is usually viewed as a long-term investment with many advantages. It is, however, important to understand how property investment works, the costs involved and...Read More
As the real estate market begins to bloom with opportunities for homebuyers, for those who wish to buy in the next few months understanding the distinctions between pre-qualification and pre-approval for a home loan can be pivotal in securing your dream home. If you are starting out on your journey to buy a home, one...Read More
Investment Property: Getting it right
September 9, 2024Debt Advice & Mortgages
With property remaining a high-priced asset, it’s more important than ever for investors to ensure their property investments are a financial success. The latest data demonstrates property’s popularity. One-in-five households (21%) owns a home in addition to their usual residence.i Maximising taxation benefits is one key element but the ATO recently found 9 out of...Read More
Thinking of refinancing? Here’s how
August 26, 2024Debt Advice & Mortgages
This step-by-step guide shows you how to navigate the process of refinancing your home loan. With interest rates increasing materially in the past few years, refinancing your home loan to a lower interest rate with another lender is one way to reduce mortgage stress and cope in the current environment. So to get you started,...Read More