Property planning
Structuring, estate planning, tax and general property finance planning.
362 articles · page 9 of 16
Property planning
Should You Switch From Interest‑Only To P&I Under New Tax Rules?
A decision‑grade guide for Australian borrowers weighing up switching investment and home loans from interest‑only to principal‑and‑interest as negative gearing and CGT rules tighten.
Property planning
Your Safety Net: Buffers, Insurance and Backup Plans When You Restructure Loans
A practical Australian guide to buffers, insurance and contingency plans when you refinance, consolidate or reshuffle home, investment or business debt — with steps you can action this week.
Property planning
Timing Your Purchase: Reading Local Signals in Booms and Lulls
Buying in a boom or flat market can both work if you read the local numbers properly. Here’s how a switched‑on broker should track auctions, days on market and lending conditions so you can act safely this week.
Property planning
Beginner gearing rules: safe LVR caps, buffers and smart first buys
A practical Australian guide to how much to borrow on your first investment property, what LVR and buffers to use, and how to choose a property that won’t over‑gear your life.
Property planning
How Eastern Suburbs Valuers Really Benchmark Sales For Your Loan
Bank valuers in Sydney’s Eastern Suburbs lean on tightly filtered recent sales, not headline record prices. Here’s how they pick comparables, treat renovations and views, and what that means for your borrowing power, equity release or refinance this year.
Property planning
How to Fund a Sea‑Change or Tree‑Change Without Overstretching
Thinking about a sea‑change or tree‑change? Learn how to safely use home equity, compare bridging vs sell‑then‑buy, and stress‑test repayments so your lifestyle move doesn’t turn into financial strain.
Property planning
Updated CGT Discount Rules for Property: Individuals vs Trusts
From 1 July 2027, individuals and most trusts lose the simple 50% CGT discount on property. This guide explains the new rules, what’s grandfathered, and how to compare holding investment property in your own name, a family trust or a company before you buy or sell.
Property planning
Who Really Pays Your Eastern Suburbs Mortgage After You Die?
Large Eastern Suburbs home and investment loans don’t vanish when you die – they become debts of your estate. This guide explains what actually happens, who can be forced to sell, and what to put in place now so your family controls the timing and tax, not the bank.
Property planning
How to Budget for Solar When You’ve Already Got a Big Mortgage
Already carrying a large home loan but want solar? Learn how to weigh bill savings against extra repayments, choose safer finance structures and set hard safety limits so you don’t tip into mortgage stress.
Property planning
How Quiet Streets, Views and Walkability Change What Banks Will Lend
In Sydney’s east, quiet streets, views and walkability drive huge price gaps. Banks recognise some of that premium but not all. This guide shows how lenders actually treat those features, where valuations often fall short of auction prices, and what you can do this week to protect your borrowing strategy, bids and buffers.
Property planning
How Asset‑Rich, Low‑Taxable‑Income Borrowers Can Still Get a Home Loan
You can often get a home loan with low taxable income if you prove real cashflow, use your assets strategically, and pick lenders who understand complex structures. This guide shows the levers to pull in the next 7 days.
Property planning
Safe Gearing Rules for Buying into Sydney’s Eastern Suburbs
A decision-grade guide to safely gearing into Eastern Suburbs property – practical LVR, buffer and structure rules you can apply this week for high‑price blue‑chip markets.
Property planning
From Europe to the Eastern Suburbs: Why This Broker Thinks Differently
How a few intense years in European banking changed the way an Eastern Suburbs broker thinks about risk, buffers and strategy — and how that helps Sydney borrowers today.
Property planning
What Really Happens For Tax When You Sell Geared Properties
Selling geared investment properties can free cash and reduce risk, but it also triggers capital gains tax and other tax consequences. This quick guide shows how CGT is calculated, what records you need, how the 2027 rule changes bite, and practical steps to time sales and manage your tax bill.
Property planning
Borrowing Power For A $3–5 Million Home: The Numbers That Matter
A practical guide to how much you can safely borrow for a $3–5 million home in Australia, how banks test large loans, and the numbers to run this week before you start making offers.
Property planning
Working Out How Much Home Equity You Can Safely Release
Most Australians can safely release 10–25% of their home’s value, as long as your total LVR stays in a sensible band, repayments fit your budget, and you keep real buffers. Here’s a quick, decision-grade way to run your own numbers this week.
Property planning
Stop Settlement Day Disasters In Sydney’s East Before They Start
Settlement doesn’t fall over by accident. In the Eastern Suburbs and Inner South, most disasters come from the same few avoidable traps. Here’s a practical, one‑week plan to keep your finance, valuation, cash and contract fully aligned so you settle smoothly, even on high‑stakes, short‑fuse deals.
Property planning
Avoiding Costly First‑Time Gearing Mistakes: A Practical 2026 Playbook
A decision‑grade guide to the most common first‑time gearing mistakes Australians make in 2026, and how to avoid them before you sign a contract or refinance.
Property planning
Rolling Credit Cards Into Your Mortgage: When It Actually Makes Sense
Clear, decision-ready guide on when consolidating credit cards and personal loans into your home loan is smart – and when it quietly backfires.
Property planning
When To Switch Between Interest‑Only and Principal‑and‑Interest
Thinking about moving from interest‑only to principal‑and‑interest (or back again)? This guide shows how to run the numbers, manage cashflow and refinance safely in the current Australian lending and tax environment.
Property planning
How to Use Family Trusts or Companies for Eastern Suburbs Homes
A decision-grade guide to when (and when not) to use family trusts or companies for prestige Eastern Suburbs homes, covering lending, tax, control and inheritance planning in plain English.
Gearing in Shares vs Property in Australia: A…
Property planning
Gearing in Shares vs Property in Australia: A Practical Comparison
Borrowing to invest can accelerate wealth or magnify mistakes. This guide compares gearing into shares vs investment property for Australian investors using simple numbers, risks and decision rules you can act on this week.
Property planning
Structuring Professional Income So Banks Say Yes in Sydney’s East
Busy Eastern Suburbs professionals can borrow strongly, but only if their income is structured the way banks think. This guide shows doctors, lawyers and consultants how to package salary, bonuses, dividends and practice income so lenders say yes without pushing you into mortgage stress.
Property planning
How to Rentvest Now and Still End Up Owning in the East
A practical, numbers-first guide to using rentvesting to keep living in Sydney’s Eastern Suburbs now while you quietly build the borrowing power and equity to buy there later.