APRA Introduces Debt-to-Income Limits. What Doctors Need to Know
11 Dec '25

• Property Investment & Lending

APRA has announced its first formal debt-to-income (DTI) limit, marking a significant shift in how banks assess and manage mortgage risk. While this applies to all borrowers, the implications for medical professionals—especially IMGs, registrars, GPs and practice owners—are distinct and worth understanding early. Read More…

Using Super to Invest in Property – How SMSF Borrowing Works
24 Sep '25

• Property Investment & Lending
• Superannuation & SMSF

If you’re considering using your self-managed super fund (SMSF) to buy property, you’ll need the right structure in place. One of the main ways to do this is through a Limited Recourse Borrowing Arrangement (LRBA). Read More…

Using Home Equity to Build Wealth Without the Costly Mistakes
12 Sep '25

• Property Investment & Lending

Most Australians who’ve owned their home for 3+ years have built significant equity.
The big question is: are you putting it to work, or letting opportunity slip away?

In our latest blog, I share common mistakes to avoid when leveraging equity for investing — and we’ve also included a 7-Step Checklist you can use straight away. Read More…

CGT and Off-the-Plan Property Purchases
21 Aug '25

• Property Investment & Lending

Buying a property off the plan can be an attractive option, but it comes with unique capital gains tax (CGT) implications. Because settlement may take place months—or even years—after signing the initial contract, it’s important to understand how CGT rules apply. Read More…

CGT Timing: When Is a Sale Contract Actually Entered Into?
24 Jun '25

• Property Investment & Lending

When it comes to Capital Gains Tax (CGT) in Australia, the timing of a sale contract is crucial. The ATO considers the date you enter into the contract to sell an asset—not the settlement date—as the key point for CGT purposes. This means any capital gain or capital loss is counted in the income year the contract is signed. Read More…

CGT Exemption for Land Adjacent to Your Home
10 Jun '25

• Property Investment & Lending

When selling your home in Australia, Capital Gains Tax (CGT) may be fully exempt – but only under certain conditions. One key area to understand is how CGT applies to land adjacent to your home. This article breaks down the rules in simple terms to help you determine whether you qualify for the exemption. Read More…

Small-Scale Subdivision and Property Development
1 May '25

• Property Investment & Lending

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 understand the tax implications. The same applies if you’re planning to subdivide your large backyard, or if you’ve purchased a large block of land (such as a coastal or country property) with the intention of building and selling homes because the market has picked up. Read More…

CGT Rules for Buying a New Home Before Selling the Old One
22 Oct '24

• Property Investment & Lending

When buying a new home before selling your existing one, there are several factors to think about, such as financing, storing your belongings, and the timing of everything. A key tax consideration is that, under capital gains tax (CGT) rules, you generally can't have two homes exempt from CGT at the same time. Read More…

Navigating Capital Gains Tax When Selling Mixed-Use Properties
1 Oct '24

• Property Investment & Lending

Selling a property that has been used for both rental and residential purposes involve several capital gains tax (CGT) considerations. Read More…

Top 10 tips for rental property owners to avoid common tax mistakes
20 Jun '24

• Property Investment & Lending

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