Time to explore your borrowing capacity?
How Refinancing Can Increase Your Borrowing Capacity If you’ve ever been told you can’t borrow any more — or that your borrowing power is limited — it can feel like a hard stop. What many homeowners don’t realise is that borrowing capacity isn’t fixed. In fact, refinancing your home loan can often open up opportunities […]
Understanding Negative Gearing: What It Is and Why It Matters
Understanding Negative Gearing: What It Is and Why It Matters Negative gearing is one of those terms you hear a lot — especially when people talk about property investing — but it’s often misunderstood. Some see it as a smart strategy. Others see it as confusing or risky. The truth sits somewhere in the middle, […]
A Discussion on Reverse Mortgages: When and Why They Can Be Beneficial
A Discussion on Reverse Mortgages: When and Why They Can Be Beneficial Reverse mortgages tend to spark strong opinions. For some people, they feel like a sensible way to unlock value that’s already there. For others, they raise concerns about cost, complexity, and long-term impact. The reality is that reverse mortgages sit in a grey […]
Why now is to the time to review your home loan!
Why You Should Review Your Home Loan (Even If Everything Feels Fine) If your home loan is ticking along and your repayments are manageable, it’s easy to assume there’s no reason to look at it again. But for many homeowners, the biggest cost of a mortgage isn’t something going wrong — it’s simply letting an […]
What Are the Benefits of SMSF Lending?
What Are the Benefits of SMSF Lending? SMSF lending is a specialised strategy that allows your self-managed super fund to invest in property using borrowed funds. It’s not suitable for everyone — but when used correctly, SMSF lending can offer powerful long-term benefits for the right investors. The key is understanding what it’s designed to […]
What Is a Reverse Mortgage? A Simple, Plain-English Explanation
What Is a Reverse Mortgage? A Simple, Plain-English Explanation A reverse mortgage is one of those financial products that gets talked about a lot — and misunderstood even more. If you’ve heard the term and wondered how it works, who it’s for, or why people have strong opinions about it, you’re not alone. Let’s break […]
How Does Depreciation Impact Negative Gearing?
How Does Depreciation Impact Negative Gearing? When people talk about negative gearing, depreciation is often mentioned as a key factor — but it’s not always clearly explained. Depreciation can significantly affect the tax outcome of a negatively geared property, and understanding how it works helps you see why some investments appear more tax-effective than others. […]
How Do Property Tax Deductions Work?
How Do Property Tax Deductions Work? Property tax deductions are one of the most important concepts for anyone who owns — or is considering — an investment property. While the idea sounds simple, many investors aren’t completely sure how deductions actually work in practice, or how they affect their tax position. Here’s a clear, step-by-step […]
Basics of negative gearing
The Basics of Negative Gearing: What You Need to Know Negative gearing is a term that comes up a lot when people start talking about property investment — but it’s often explained in a way that makes it feel more complicated than it really is. At its core, negative gearing is simply about how the […]
Your First Home Buyer Checklist (Without the Overwhelm)
Your First Home Buyer Checklist (Without the Overwhelm) Buying your first home is exciting — but let’s be honest, it can also feel confusing, stressful, and full of “Where do I even start?” moments. The good news? You don’t need to know everything at once. You just need to take the right steps in the […]