Property investing

Start here: Buying an investment property before 30 June 2027: when the 14-month window is worth the rush — and when it isn't

Articles in Property investing

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  Investing

  SMSF borrowing rules in Australia 2026: what the end of residential LRBAs means for property investors

  On 23 June 2026 Federal Parliament passed the Greens–Labor tax package with a last-minute amendment abolishing new residential Limited Recourse Borrowing Arrangements inside SMSFs. Existing LRBAs are grandfathered; commercial business real property LRBAs are unchanged. Here is the broker-grade map — three buckets, refinancing risk, and what to do now.

  23 June 2026 · 12 min

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  Investing

  Investor EOFY 2026: prepay investment loan interest before 30 June? (12-month rule, broker checklist)

  With 30 June days away, some lenders let individual property investors prepay up to 12 months of investment loan interest and claim it in 2025–26 — under the ATO’s 12-month rule. Here is how it works, the worked maths at common marginal rates, offset vs prepay traps, lender timing, and when a broker should say pause.

  21 June 2026 · 18 min

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  Investing

  Rent shading explained: why your bank counts less rent than you think (and what it does to property #2)

  You model $650 a week in rent. The bank might only count $487. Here is how rent shading works, why portfolio investors hit walls on purchase two, and how to stress-test before you lodge.

  15 June 2026 · 11 min

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  Investing

  SMSF property loan Australia — LRBA structure, costs, and what lenders actually check (2026)

  Buying property inside your self-managed super fund is not a normal home loan with a different label. Limited-recourse borrowing (LRBA), liquidity buffers, contribution caps, and trustee compliance sit on top of rate shopping — here is the plain-English map before you speak to an SMSF specialist. Updated for the 23 June 2026 residential LRBA ban.

  11 June 2026 · 12 min

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  Investing

  Investor DTI in 2026: when the lender says yes — but yes with limits

  APRA’s DTI settings can approve your investor loan on paper yet cap the amount, price point, or lender set. Here is how “yes, but…” shows up and what to fix before you exchange.

  29 May 2026 · 9 min

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  Investing

  Buying an investment property before 30 June 2027: when the 14-month window is worth the rush — and when it isn't

  The instinct, after Budget night, is to rush. The honest broker's answer is that the transition window is real, but the headline benefits are smaller than they look — and your decision should still be made on the asset, not the calendar. Here is the working-through, with worked numbers, the post-Budget clarifications, and a clean decision tree.

  13 May 2026 · 17 min

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  Investing

  Budget 2026, explained for property investors: what the negative gearing and CGT changes really do — and what they don't

  At 7:30pm on Tuesday 12 May 2026 the Treasurer announced the most significant rewrite of Australia's property-investor tax rules since 1999. The detail matters: existing investors are fully grandfathered, new builds emerge as the most tax-advantaged shape, and a 14-month transition window changes the calculus for anyone signing a contract between now and 1 July 2027. Here is the calm, broker-grade walk-through with verified references and a clean decision tree.

  12 May 2026 · 16 min

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  Investing

  Investor borrowing mistakes that show up late — and how to avoid them

  Rental haircuts, IO cliffs, cross collateral, and sequencing — mistakes that sting on the next purchase more than the first.

  4 Apr 2026 · 8 min