Australia’s housing loan market is facing potential headwinds, particularly in the investor segment, amid speculation around changes to the Capital Gains Tax (CGT) discount for investors and a cap on negative gearing. Despite that, according to Money.com.au’s latest State-by-State Mortgage Insights Report, home lending growth is forecast to hit 7% in 2026 (to 594,279 loans),…
The Senate committee reviewing the CGT discount released its final report yesterday. Commentators are now suggesting the government could reduce the CGT discount for property investors and potentially cap negative gearing to two or three properties. Let’s look at the impact a change to the CGT discount could have. Why is CGT under the microscope? The government…
What if the biggest reason you’ll never build a $50 million property portfolio has nothing to do with money? What if it’s not your income, your borrowing capacity, your suburb selection or even the market cycle that determines how far you go? And what if the investors who end up with $100 million or $200 million portfolios don’t actually do anything dramatically different from…
We’re already into 2026, and the last few months have been a time when little creatures come out of hibernation – they’re called forecasters, and their predictions of what lies ahead of us abound. These relate to all areas, particularly property, because almost anyone who owns real estate would give their second garage to know…
For many Australians, Saturday mornings during the property selling season follow a familiar pattern. Buyers move from open home to open home, then gather outside properties, waiting for the auction to begin: hopeful, nervous, and often optimistic. But for too many potential buyers, those Saturdays end in frustration. Not simply because they lost the auction, but…
If you think investing in commercial property is just about collecting rent and watching your wealth grow, think again. There’s a whole world of tax rules, GST obligations, and new Victorian reforms that can trip you up if you’re not prepared. Get them right, and you’ll keep more money in your pocket. Get them wrong,…
At a seminar I ran around 20 years ago, I still remember someone shaking my hand and saying, “You must own hundreds of properties by now.” They looked genuinely confused when I reacted with horror and said that would be my absolute nightmare. It’s an easy assumption to make. Most people equate more properties with…
Life is about constant, predictable patterns of change. For the six thousand years of recorded history, as humans have entered this world, received parental instruction, and classroom instruction, and gathered the experience of life; many have set for themselves ambitious goals and dreamed lofty dreams. As the wheel of life continues its constant turning, all…
Some properties will deliver exceptional growth over the next few years, while others will barely move in value. And the frustrating part is they could be only a few kilometres apart. If you’re relying on city-wide averages, headlines, or last year’s “hotspot,” you could be positioning yourself in the slow lane without even realising it….
If you’ve been shaking your head at recent property price growth, you’re not alone. Australians everywhere are asking the same question: “How on earth can property values keep rising when affordability is so stretched, interest rates are still high and unlikely to fall further, and many people seem to be struggling with the cost of…
