There’s a growing conversation right now around capital gains tax, and whether the rules that have shaped property investing for the last decade are about to change. Nothing has been confirmed. The current 50% capital gains tax discount still stands. But the discussion around reducing it, potentially to 33% or lower, is already enough to […]

The short answer is yes. But not for the reasons most people think. The market has shifted again. The RBA has now delivered multiple rate increases in quick succession, and borrowers are starting to feel it. Variable repayments are adjusting, fixed rates have already moved ahead of it, and the conversation has quickly returned to […]

Rental vacancies remain tight across most capital cities. National rents have risen around 5% over the past year. Recent lending data shows investors now account for roughly four in ten new mortgages. Most commentary stops there. Investors are returning. Rents are rising. The market is heating up again. But the more important shift isn’t demand. […]

Right now, fixing your rate often means paying for two or three future rate rises that haven’t happened. That’s why so many borrowers are paying for peace of mind that doesn’t actually exist. We do not know what interest rates will do next. No one does. Rates may rise, they may stay flat, or they […]