Tonight's Budget didn't just change tax rates. It changed the architecture of wealth accumulation in Australia.
Three reforms. One structural shift.Negative gearing quarantined. The 50% CGT discount replaced. A 30% minimum tax on discretionary trusts.
Full analysis below — including what changed, what didn't, the key dates you need to know, and what the full Budget Paper reveals that
the headlines missed.
Read More…
The RBA Has Hiked Again. Here Is What It Means for Doctors.
The RBA has hiked again, with a further increase likely before year-end. For doctors navigating property purchases, practice decisions or structural reviews, the implications go beyond the headline rate. Here is what the current environment means for borrowing capacity, practice buy-in timing, and tax structure. Read More…
Why Minimising Tax Can Quietly Kill Your Borrowing Capacity
High-earning medical contractors in Australia are often unknowingly trading borrowing capacity for tax savings. Here is why that conflict exists and what integrated advice looks like when both are addressed together. Read More…
APRA Introduces Debt-to-Income Limits. What Doctors Need to Know
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
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
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
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?
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
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…
Keep Accurate CGT Records and Save on Tax
Congratulations on your successful investment! You’re ready to cash in, and while you’re celebrating, the ATO is also taking note. That capital gain has increased your wealth but also your tax bill. However, with good record-keeping, you can legally reduce the amount of tax you pay. Read More…
Small-Scale Subdivision and Property Development
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
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
Selling a property that has been used for both rental and residential purposes involve several capital gains tax (CGT) considerations. Read More…
Tonight's Budget didn't just change tax rates. It changed the architecture of wealth accumulation in Australia.
Three reforms. One structural shift.Negative gearing quarantined. The 50% CGT discount replaced. A 30% minimum tax on discretionary trusts.
Full analysis below — including what changed, what didn't, the key dates you need to know, and what the full Budget Paper reveals that
the headlines missed.
EOFY is not just about lodging tax returns. For doctors earning through an ABN, company, or mixed income arrangement, June 30 is the point where tax, super, structure, and deductions all need review. Here are four financial decisions worth getting right before the new financial year starts.
The RBA has hiked again, with a further increase likely before year-end. For doctors navigating property purchases, practice decisions or structural reviews, the implications go beyond the headline rate. Here is what the current environment means for borrowing capacity, practice buy-in timing, and tax structure.
