Strategic Property Insights

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

Since February 2026, the RBA has lifted rates three times (a combined increase of 0.75%). On a $740,000 mortgage (roughly the size of the average new home loan), that's an extra $5,550 in interest per year or around $462 more coming out of your pocket every month. On a $1 million loan, that jumps to $7,500 per year or $625 a month! That's real money leaving household cash flow. But there are concrete steps borrowers can take to reduce what they're paying to make their offset

Reverse mortgages – often misunderstood, sometimes overlooked and occasionally dismissed altogether. When it comes to retirement, most people spend decades focused on building wealth… but far fewer spend time planning how to actually use that wealth. In the right circumstances, reverse mortgages can be a powerful tool to unlock equity and support your lifestyle in retirement. Before you make any decisions, let’s break this down properly What Is a Reverse Mortgage? A reverse m

Airbnb and other short-term rentals have become incredibly popular with property investors. Strong nightly rates, flexible use and impressive cash flow can make these properties look like a clear win. But when it comes to borrowing power, Airbnb income doesn’t always deliver the result many investors expect. A property can be producing excellent cash flow in real life and still add very little to borrowing power on paper. Understanding why lenders treat Airbnb and short-term

Discover how kids impact your borrowing power and what parents need to know before buying, investing or renovating.

We unpack the logic behind the RBA’s 2-3% inflation target. What led the RBA to this figure, and how does it positively impact the economy, and why runaway long-term inflation above this level reduces our collective standard of living. All is revealed!

The trio delves into how the RBA manages inflation and why some inflation is a good thing (but not a lot).

In this week’s episode Dave, Cate and Pete dive into the data dating back to 1970 to look at the history of property price movements and what caused them?

Most borrowers would understand that getting a low interest rate can save you hundreds of thousands of dollars over your lifetime. What is not understood is how an effective mortgage strategy can actually make you hundreds of thousands of dollars over the same period. Borrowers don’t need to consult an expert to find a low rate. The only skill required is being able to use a search engine. On the other hand, understanding how an effective mortgage strategy can create wealth i