Property planning
Structuring, estate planning, tax and general property finance planning.
362 articles · page 11 of 16
Property planning
How to Choose Between Personal, Trust or Company for Geared Property
A practical guide to choosing between personal, trust or company ownership for geared investment property after the 2026–27 tax and lending reforms.
Property planning
Getting Your Mortgage Broker and Accountant Working in Sync on Property
How to get your mortgage broker and accountant genuinely working together on your next property decision, so your tax strategy and borrowing strategy pull in the same direction this week.
Property planning
How to Safely Borrow in Your 50s and 60s With High Assets
Yes, you can borrow in your 50s and 60s with strong assets but modest income – if you nail your story, your exit strategy and your structure. This guide shows what banks look for and what to fix in the next 7 days before you apply.
Property planning
How Local Auction Culture Shapes Your Loan Approval Strategy
Auction culture looks very different in Sydney, Melbourne, Brisbane and the regions – and so does the finance risk. This guide shows how local auction norms affect your pre‑approval, deposit, valuation and settlement strategy so you can bid safely, wherever you’re buying.
Property planning
How a Truly Local Eastern Suburbs Broker Turns ‘Probably No’ Into Yes
In Sydney’s Eastern Suburbs, a genuinely local broker can turn a ‘probably no’ into a well‑structured yes by using suburb‑level evidence, lender relationships and smart structuring. This guide shows how that works in practice and what you can do this week.
Property planning
Rent in the East, Buy Slightly West: A Smart Rentvesting Plan
How to keep living in Sydney’s Eastern Suburbs while buying a solid investment slightly west, with clear numbers, risks and a one‑week action plan.
Property planning
Choosing Interest‑Only or Principal‑and‑Interest on a $3–$5m Loan
A decision‑grade guide for affluent Australian borrowers weighing interest‑only vs principal‑and‑interest on a $3–$5m mortgage, with worked examples and safety guardrails.
Property planning
Setting Safe Borrowing Limits For High‑Net‑Worth Homeowners
A clear, numbers‑based guide to how much a high‑net‑worth Australian can safely borrow on their home, with practical limits, worked examples and next‑week actions.
Property planning
Bank Green Loans vs Solar Installer Finance: A Safer Path to Solar
A decision‑grade guide comparing bank green loans and solar installer finance for Australian homeowners, investors and small businesses so you can choose the safer option this week.
Property planning
Mastering Progress Payments and Cost Overruns on a Coastal Renovation
A practical, Sydney-focused guide to structuring progress payments and containing cost overruns on a high-end coastal renovation, without blowing your buffers or upsetting the bank.
Property planning
Safe strategies for designing and managing multi‑million‑dollar home loans
A decision‑grade guide to safely design, structure and manage multi‑million‑dollar Australian home loans, with clear stress‑testing rules, LVR guardrails and practical examples you can act on this week.
Property planning
Should You Use a Company or Trust to Buy in Sydney’s East?
Thinking of buying an Eastern Suburbs prestige home or apartment in a company or trust? This guide cuts through the tax myths and explains the real lending, cashflow and asset‑protection trade‑offs so you can decide your structure before signing a contract.
Property planning
Using Eastern Suburbs home equity for school fees and big bills
How Eastern Suburbs families can safely use home equity to cover private school fees and big life costs without turning short-term needs into 30 years of mortgage stress.
Property planning
How Postcode Risk Lists Quietly Change Your Home Loan Options
Australian lenders quietly rank postcodes by risk, limiting how much they’ll lend, which properties they like and how sharply they shade values. This guide shows how postcode risk works, why your suburb might be on a list, and the practical moves you can make this week to protect your borrowing power.
Property planning
How Pools, Garages and Moorings Affect Your Loan and Valuation
A practical Eastern Suburbs‑focused guide to how pools, garages, moorings and other “extras” influence bank valuations, borrowing power and approval risk — and how to structure your finance so upgrades and prestige features help, not hurt, your strategy.
Property planning
Smart Ways To Use Interest‑Only Loans Without A Forever Mortgage
A practical guide to using interest‑only periods for home and investment loans without drifting into a ‘forever mortgage’. Learn when IO makes sense, how to structure it, and the numbers to check this week.
Property planning
Beating Prestige FOMO in Sydney’s East Without Overpaying
Prestige FOMO in Sydney’s East pushes smart people into silly prices. Here’s how status, emotion and scarcity skew your judgement – and the practical steps to stop overpaying this week.
Property planning
Borderline valuations: practical ways to defend your LVR this week
A low bank valuation can blow up your LVR, deposit and loan approval. This guide shows how to use local sale evidence, lender choice and smart timing to challenge borderline valuations and protect your borrowing power in Australia.
Property planning
Home loan declined? How a broker can rescue your approval odds
If your bank has declined your home loan, it doesn’t mean game over. Here’s how a sharp broker can explain the ‘no’, repair the weak spots and find a lender whose policy actually fits you, often within a week.
Property planning
Negative vs positive gearing: the 10–20 year wealth reality check
A plain‑English, numbers‑driven guide to how negative and positive gearing really shape your wealth over 10–20 years — after tax, after reforms, and after real‑world risks.
Property planning
How a Local Eastern Suburbs Broker Tilts Auctions In Your Favour
In Sydney’s Eastern Suburbs, a switched-on local broker can shift valuations, auction timing and negotiation power enough to change what you can safely bid and what you pay. Here’s how that edge actually works in practice, and what you can do with it this week.
Property planning
Fully Online Mortgage Brokers: Smart Shortcuts, Real Risks, Safer Decisions
Fully online mortgage brokers are fast and convenient, but not risk‑free. Here’s how they work, where they break, and the practical checks I’d want my own family to use before uploading a single document.
Property planning
Build a Sydney Home Loan Pre‑Approval That Survives Auction Day
How to build a Sydney home loan pre‑approval that actually survives a four‑week Eastern Suburbs auction campaign – with buffers for rate rises, valuations and lender policy changes.
Property planning
Trusts, Land Tax and CGT After the 2026 Reforms: When They Still Work
Trusts are no longer an automatic tax win for property under the new land tax and CGT rules. They still make sense in specific asset protection, estate and income‑splitting scenarios. This guide shows when a trust is still worth the cost and complexity, and when to keep property in personal names.