Strategic Property Insights

If the negative gearing and capital gains tax changes have thrown a spanner in the works of your investment plans, you're not alone. A lot of our clients have felt the same thing over the past few months. Some big assumptions about what property investing looks like have shifted, and it's completely understandable to feel like the goal posts have moved. Here's the good news. Property investing is still absolutely possible. It just requires a bit more thought and strategy

Now that the dust is starting to settle on this year’s Budget announcement, we sat down with Dave, the Managing Director of Property Planning Australia to talk through what happens next. Here's a high-level view of how we think the Budget's flow-on effects, on wealth creation, rents, prices and long-term financial behaviour, will play out: Prices will fall initially, as they already have. This is likely to prove the best time to buy. Rental stock, already at historic lows, wi

If you own a home in Australia prior to the 12th of May, Budget Night, this could be one of the most important things you read all year. The negative gearing and capital gains tax legislation became law on 26 June 2026. Buried within it is an opportunity that most homeowners have not yet fully grasped, and one that the team at propertyplanning.com.au believes deserves considerably more attention than it is currently receiving. What the negative gearing and capital gains tax l

Borrowing capacity is one of the most misunderstood parts of the mortgage process, particularly when a positively geared investment property enters the picture. On the surface, it feels logical. More income should mean more borrowing power. But once lender calculators, income shading, and assessment buffers come into play, the answer becomes far less straightforward. This is exactly where confusion around borrowing capacity tends to start. Scenario: Same Income, Same Expenses

Explore key retirement strategies to manage property, debt and wealth for a secure future. Learn how to make smart financial decisions.

We explore how leverage in property compares to investing in shares and why it might be the right choice for some investors, particularly if you have time on your side.

Why short-term investing has long-term consequences Property is a unique asset class, particularly considering the amount of money outlaid on costs other than the asset itself each time a property is traded. This means that mistakes on your property journey can be terribly expensive and carry long-lasting effects on your future wealth. If you start […]

Your gearing is positive when your rental income is higher than your expenses (loan interest, rates, insurance, maintenance and so on), meaning you're making a profit and paying tax on it. It's negative when your expenses outweigh your income, meaning you're running a loss that you can (for now) offset against your other taxable income. Sitting neatly between the two is a neutrally geared property, sometimes called a neutral cashflow property, where your rental income roughly