HECS debts, credit cards, car loans and personal loans can all reduce how much you can borrow for a home loan. That’s because lenders don’t just look at your income. They also look at your existing debts and financial commitments to work out how much of that income is available to repay a mortgage. And […]

For years, Australians have been told that property is one of the best long-term investments you can make. More recently, though, the conversation has shifted. Scroll through the news today and you’ll find story after story about soaring house prices, interest rates staying higher for longer, first home buyers being priced out of the market […]

The conversation around property investing has been dominated by what investors have lost. Borrowing capacity has tightened for some borrowers. Tax incentives have shifted away from established property. Lending policies have changed. Investors who were already questioning whether now was the right time to buy have suddenly found themselves with even more reasons to sit […]

The Government Isn’t Just Changing Tax Policy. It’s Trying To Change Investor Behaviour. For years, the Australian property market has largely rewarded investors for buying established homes in strong locations, holding them long term, claiming negative gearing benefits, and relying on capital growth over time. The 2026 Budget signals a major departure from that model. […]