Property planning
Structuring, estate planning, tax and general property finance planning.
362 articles · page 10 of 16
Property planning
Family Trust Gearing After Tax Reforms: What Still Works Now
How new tax and lending rules change negative gearing, CGT and loan approvals for property held in a family trust — and when gearing through a trust still makes sense.
Property planning
Turn Bonuses, RSUs and Profit Share Into a Sustainable Gearing Engine
How high‑income Australians can safely use bonuses, RSUs and profit share to support a geared property or investment strategy without relying on volatile income to keep the lights on.
Property planning
Structuring a multi‑million Eastern Suburbs mortgage: IO vs P&I
Clear, decision‑grade guide to choosing interest‑only or principal‑and‑interest repayments on a multi‑million‑dollar Eastern Suburbs mortgage, with numbers you can act on this week.
Property planning
Choosing Online‑Only Lenders Versus Local Humans For Your Next Loan
A practical Australian guide to when an online‑only lender is perfectly fine for your loan – and when you really need a local human who knows your suburb, your tax and your numbers.
Property planning
Sydney’s Eastern Suburbs Postcode Risk: What Banks Really Worry About
Banks quietly mark parts of Sydney’s Eastern Suburbs as higher-risk postcodes. That can cap your LVR, shrink borrowing power or derail a pre-approval. Here’s what they look at, which areas get flagged, and how to structure a deal that still works this week.
Property planning
From Credit Blemish To Bank-Ready: Using Near‑Prime Lenders Wisely
A practical guide for Australians with credit blemishes on using specialist and near‑prime lenders strategically, then moving back to mainstream banks on better terms.
Property planning
How To Size Your Solar System Safely For Real Australian Savings
A decision-grade guide to choosing the right solar system size in Australia, balancing upfront cost, finance and long‑term savings so you don’t over‑stretch your cashflow or your roof.
Property planning
Using Family Trusts and Bucket Companies Under New Property Tax Rules
A practical, decision‑grade guide to using family trusts and bucket companies for property under the 2026–27 negative gearing, CGT and trust tax reforms — with clear steps you can take this week.
Property planning
Four Clear Signs Your Loans Are Cross‑Collateralised (And What To Do)
How to spot if your home, investment or business properties are cross‑collateralised, why it quietly traps your equity and options, and what you can do this week to reduce the risk without triggering a fire sale.
Property planning
How to Finance a Knockdown‑Rebuild on a High‑Value Home
A direct, decision‑grade guide to financing a knockdown‑rebuild on a high‑value Australian home, including loan structures, valuations, buffers and a one‑week action plan.
Property planning
After Settlement: How a Great Mortgage Broker Still Has Your Back
Most people think a broker’s job ends at settlement. It shouldn’t. Here’s what an excellent mortgage broker does after your loan settles, and how to hold them to it.
Property planning
Choosing Interest‑Only or P&I on a Multi‑Million‑Dollar Mortgage
Trying to choose between interest‑only and principal‑and‑interest on a multi‑million‑dollar mortgage? Here’s a fast, decision‑grade breakdown with numbers you can act on this week.
Property planning
Should You Stay With Your Bank Or Use an Independent Broker?
Weighing up staying with your current bank versus using an external broker? This guide gives a decision‑grade, one‑week plan so home buyers, refinancers, investors and small businesses can choose the option that genuinely fits their goals, risk and time.
Property planning
Solar Savings vs Loan Repayments: A Step‑By‑Step Modelling Example
Use this worked example to compare solar bill savings with loan repayments, find your breakeven point and decide if solar stacks up for your home or investment.
Property planning
When a Truly Local Mortgage Broker Gives You a Real Edge
A nearby mortgage broker can genuinely improve approval odds, valuations and strategy when your property, income or timing is complex. This guide shows when local knowledge matters, what “suburb specialist” really means, and how to test if a broker is truly local – so you can make a decision and take action this week.
Property planning
Designing Auction‑Proof Pre‑Approval For Sydney’s East And Inner South
How to build an auction‑proof pre‑approval for Eastern Suburbs and Inner‑South properties so it survives valuation shifts, tight timelines and local auction culture.
Property planning
Where a Financial Planner Adds Real Value To Your Property Plan
How a financial planner fits into your mortgage and property strategy, when you really need one, and how to get your planner, broker and accountant working as a single coordinated advice team this week.
Property planning
How to Tell If Your Eastern Suburbs Home Loan Is Still Competitive in 2026
A practical 2026 checklist to see if your Eastern Suburbs home loan is still competitive, safe and well‑structured — and what to change this week if it’s not.
Property planning
Working Out Your Real Borrowing Power in Sydney’s Eastern Suburbs
A clear, numbers-first guide to how much you can really borrow for a first or next home in Sydney’s Eastern Suburbs – and what to do this week to firm up your limit.
Property planning
Smart borrowing for home batteries and EV chargers without over‑capitalising
A decision-grade guide to financing home batteries and EV chargers in Australia so you future‑proof your home or investment without over‑capitalising or straining your mortgage.
Property planning
How to Own a Coastal or Regional Home Without Giving Up the City
Thinking about a sea‑change or regional base but not ready to give up the city home? This guide shows how to finance two high‑value properties safely, test your borrowing capacity, and structure loans and buffers so lifestyle upgrades don’t become a future fire sale.
Property planning
Turn One Loan Into a 15‑Year Property and Mortgage Plan
How to sit down with your broker this week and map a simple 10–15 year property and mortgage plan you can actually stick to, even as life and interest rates change.
Property planning
Why Broker Serviceability Numbers Beat Online Borrowing Calculators
Online borrowing calculators are rough guides only. Lenders and good brokers use much stricter serviceability models, buffers and expense tests, so their numbers often differ massively. This guide explains those differences and how to get a decision‑grade borrowing estimate this week.
Property planning
How Debt Recycling Works For Australian Homeowners (Beginner Walkthrough)
Debt recycling lets Australian homeowners gradually convert non-deductible home loan debt into tax-deductible investment debt. Here’s a clear, beginner-friendly walkthrough you can act on this week.