[ { "post_id": "158", "post_category_id": "9", "post_title": "The RBA Has Hiked Again. Here Is What It Means for Doctors.", "post_content_short": "The RBA has hiked again, with a further increase likely before year-end. For doctors navigating property purchases, practice decisions or\nstructural reviews, the implications go beyond the headline rate. Here is what the current environment means for borrowing capacity,\npractice buy-in timing, and tax structure.", "post_icon": "https:\/\/www.verityadvisory.com.au\/media\/website_posts\/158\/Interest-rate.jpg", "post_content_type": "page", "post_content_url": "https:\/\/www.verityadvisory.com.au\/insights\/tax-and-structuring\/the-rba-has-hiked-again-here-is-what-it-means-for-doctors\/", "post_date": "2026-03-17 04:26:00" }, { "post_id": "157", "post_category_id": "9", "post_title": "Why Minimising Tax Can Quietly Kill Your Borrowing Capacity", "post_content_short": "High-earning medical contractors in Australia are often unknowingly trading borrowing capacity for tax savings. Here is why that conflict\nexists and what integrated advice looks like when both are addressed together.", "post_icon": "https:\/\/www.verityadvisory.com.au\/media\/website_posts\/157\/20260225-tax-vs-borrowing.png", "post_content_type": "page", "post_content_url": "https:\/\/www.verityadvisory.com.au\/insights\/tax-and-structuring\/why-minimising-tax-can-quietly-kill-your-borrowing-capacity\/", "post_date": "2026-02-24 23:57:00" }, { "post_id": "155", "post_category_id": "15", "post_title": "APRA Introduces Debt-to-Income Limits. What Doctors Need to Know", "post_content_short": "APRA has announced its first formal debt-to-income (DTI) limit<\/strong>, marking a significant shift in how banks assess and manage\nmortgage risk. While this applies to all borrowers, the implications for medical professionals<\/strong>—especially IMGs, registrars, GPs and practice owners—are distinct and worth understanding early.", "post_icon": "https:\/\/www.verityadvisory.com.au\/media\/website_posts\/155\/20251211.jpg", "post_content_type": "page", "post_content_url": "https:\/\/www.verityadvisory.com.au\/insights\/property-investment-and-lending\/apra-introduces-first-ever-debt-to-income-limits-what-doctors-need-to-know\/", "post_date": "2025-12-11 04:21:55" }, { "post_id": "154", "post_category_id": "15", "post_title": "Using Super to Invest in Property – How SMSF Borrowing Works", "post_content_short": "If you’re considering using your self-managed super fund (SMSF) to buy property<\/strong>, you’ll need the right structure in place.\n\tOne of the main ways to do this is through a Limited Recourse Borrowing Arrangement (LRBA)<\/strong>.\n", "post_icon": "https:\/\/www.verityadvisory.com.au\/media\/website_posts\/154\/20250923.jpg", "post_content_type": "page", "post_content_url": "https:\/\/www.verityadvisory.com.au\/insights\/superannuation-and-smsf\/using-super-to-invest-in-property-how-smsf-borrowing-works\/", "post_date": "2025-09-23 14:00:00" }, { "post_id": "146", "post_category_id": "15", "post_title": "Using Home Equity to Build Wealth Without the Costly Mistakes", "post_content_short": "Most Australians who’ve owned their home for 3+ years have built significant equity.
\n\tThe big question is: are you putting it to work, or letting opportunity slip away?\n\n

\n\tIn our latest blog, I share common mistakes to avoid when leveraging equity for investing — and we’ve also included a 7-Step\n\tChecklist<\/strong>\n\tyou can use straight away.\n", "post_icon": "https:\/\/www.verityadvisory.com.au\/media\/website_posts\/146\/Brisbane.jpg", "post_content_type": "page", "post_content_url": "https:\/\/www.verityadvisory.com.au\/insights\/property-investment-and-lending\/using-home-equity-to-build-wealth-without-the-costly-mistakes\/", "post_date": "2025-09-11 14:00:00" }, { "post_id": "142", "post_category_id": "15", "post_title": "CGT and Off-the-Plan Property Purchases", "post_content_short": "Buying a property off the plan<\/strong> can be an attractive option, but it comes with unique capital gains tax (CGT)\n\timplications<\/strong>.\n\tBecause settlement may take place months—or even years—after signing the initial contract, it’s important to understand how CGT rules apply.\n", "post_icon": "https:\/\/www.verityadvisory.com.au\/media\/website_posts\/142\/20250821.jpg", "post_content_type": "page", "post_content_url": "https:\/\/www.verityadvisory.com.au\/insights\/property-investment-and-lending\/cgt-and-off-the-plan-property-purchases\/", "post_date": "2025-08-20 14:00:00" }, { "post_id": "126", "post_category_id": "15", "post_title": "CGT Timing: When Is a Sale Contract Actually Entered Into?", "post_content_short": "When it comes to Capital Gains Tax (CGT)<\/strong> in Australia, the timing of a sale contract is crucial. The ATO considers the date\n\tyou enter into the contract to sell an asset<\/strong>—not\n\tthe settlement date—as the key point for CGT purposes. This means any capital gain or capital loss is counted in the income year the\n\tcontract is signed.\n", "post_icon": "https:\/\/www.verityadvisory.com.au\/media\/website_posts\/126\/20250624.jpg", "post_content_type": "page", "post_content_url": "https:\/\/www.verityadvisory.com.au\/insights\/tax-and-structuring\/cgt-timing-when-is-a-sale-contract-actually-entered-into\/", "post_date": "2025-06-24 00:08:32" }, { "post_id": "124", "post_category_id": "15", "post_title": "CGT Exemption for Land Adjacent to Your Home", "post_content_short": "When selling your home in Australia, Capital Gains Tax (CGT)<\/strong> may be fully exempt – but only under certain conditions. One\n\tkey area to understand is how CGT applies to land adjacent to your home<\/strong>. This article breaks down the rules in simple terms\n\tto help you determine whether you qualify for the exemption.\n", "post_icon": "https:\/\/www.verityadvisory.com.au\/media\/website_posts\/124\/20250610.jpg", "post_content_type": "page", "post_content_url": "https:\/\/www.verityadvisory.com.au\/insights\/property-investment-and-lending\/cgt-exemption-for-land-adjacent-to-your-home\/", "post_date": "2025-06-10 00:34:50" }, { "post_id": "117", "post_category_id": "9", "post_title": "Keep Accurate CGT Records and Save on Tax", "post_content_short": "Congratulations on your successful investment! You’re ready to cash in, and while you’re celebrating, the ATO is also taking note. That\ncapital gain has increased your wealth but also your tax bill. However, with good record-keeping, you can legally reduce the amount of tax\nyou pay.", "post_icon": "https:\/\/www.verityadvisory.com.au\/media\/website_posts\/117\/20250513.jpg", "post_content_type": "page", "post_content_url": "https:\/\/www.verityadvisory.com.au\/insights\/keep-accurate-cgt-records-and-save-on-tax\/", "post_date": "2025-05-13 01:23:00" }, { "post_id": "114", "post_category_id": "15", "post_title": "Small-Scale Subdivision and Property Development", "post_content_short": "If you’ve decided to knock down your home and build a couple of townhouses—perhaps to live in one or sell them all—it’s important to\n\tunderstand the tax implications. The same applies if you’re planning to subdivide your large backyard, or if you’ve purchased a large block\n\tof land (such as a coastal or country property) with the intention of building and selling homes because the market has picked up.\n", "post_icon": "https:\/\/www.verityadvisory.com.au\/media\/website_posts\/114\/20250501.jpg", "post_content_type": "page", "post_content_url": "https:\/\/www.verityadvisory.com.au\/insights\/small-scale-subdivision-and-property-development\/", "post_date": "2025-05-01 00:00:09" }, { "post_id": "89", "post_category_id": "15", "post_title": "CGT Rules for Buying a New Home Before Selling the Old One", "post_content_short": "When buying a new home before selling your existing one, there are several factors to think about, such as financing, storing your\n\tbelongings, and the timing of everything. A key tax consideration is that, under capital gains tax (CGT) rules, you generally can't have two\n\thomes exempt from CGT at the same time.\n", "post_icon": "https:\/\/www.verityadvisory.com.au\/media\/website_posts\/89\/241022.jpg", "post_content_type": "page", "post_content_url": "https:\/\/www.verityadvisory.com.au\/insights\/tax-and-structuring\/cgt-rules-for-buying-a-new-home-before-selling-the-old-one\/", "post_date": "2024-10-22 00:57:01" }, { "post_id": "83", "post_category_id": "15", "post_title": "Navigating Capital Gains Tax When Selling Mixed-Use Properties", "post_content_short": "Selling a property that has been used for both rental and residential purposes involve several capital gains tax (CGT) considerations.\n", "post_icon": "https:\/\/www.verityadvisory.com.au\/media\/website_posts\/83\/011024.jpg", "post_content_type": "page", "post_content_url": "https:\/\/www.verityadvisory.com.au\/insights\/tax-and-structuring\/navigating-capital-gains-tax-when-selling-mixed-use-properties\/", "post_date": "2024-10-01 04:16:44" }, { "post_id": "61", "post_category_id": "15", "post_title": "Top 10 tips for rental property owners to avoid common tax mistakes", "post_content_short": "", "post_icon": "https:\/\/www.verityadvisory.com.au\/media\/website_posts\/61\/house.jpg", "post_content_type": "page", "post_content_url": "https:\/\/www.verityadvisory.com.au\/insights\/tax-and-structuring\/top-10-tips-for-rental-property-owners-to-avoid-common-tax-mistakes\/", "post_date": "2024-06-19 23:15:57" } ]