Property Planning Australia

06/08/2026

We had our second 𝗣𝘂𝗿𝗽𝗹𝗲 𝗛𝗮𝘇𝗲 𝗟𝘂𝗻𝗰𝗵𝗲𝗼𝗻 at Templestowe Dockers Football Club with our guest speaker and client 𝗕𝗿𝗮𝘆𝗱𝗲𝗻 𝗠𝗮𝘆𝗻𝗮𝗿𝗱 of the Collingwood Football Club.

Our own David Johnston shared a few words on what makes Brayden such a standout person and footballer, saying:

"What a champion he is. You love following a team who has players who attack the ball and opposition hard and play team first footy. This man does it in spades and sets a great example that others just must follow. One thing you get being a Pies supporter is a team that consistently gives effort and this man is certainly a key reason for why they play this way so it's amazing that he is here with us today."

We were also pleased to have local Member for Bulleen and former Victorian Opposition Leader Matthew Guy MP in attendance on the day.

🙏 A special thanks to President 𝗚𝗿𝗲𝗴 𝗧𝗿𝗲𝗺𝗲𝘄𝗲𝗻 and 𝗩𝗶𝗰𝗲 𝗣𝗿𝗲𝘀𝗶𝗱𝗲𝗻𝘁 Ryan Bain, who is our most senior Mortgage Broker and an MPA Top 100 Broker as part of our team at Propertyplanning.com.au.

We're proud to support a club with such strong community spirit and look forward to more great events ahead! 💜

05/08/2026

𝗘𝘃𝗲𝗿𝘆𝗼𝗻𝗲 𝗶𝘀 𝗮𝘀𝗸𝗶𝗻𝗴 𝗮𝗯𝗼𝘂𝘁 𝘁𝗵𝗲 𝗽𝗿𝗼𝗽𝗲𝗿𝘁𝘆 𝗳𝗮𝗹𝗹 𝗼𝘂𝘁 𝗳𝗿𝗼𝗺 𝘁𝗵𝗲 𝗯𝘂𝗱𝗴𝗲𝘁 𝗮𝗻𝗱 𝘄𝗵𝗲𝗿𝗲 𝘁𝗵𝗲 𝗺𝗮𝗿𝗸𝗲𝘁 𝗶𝘀 𝗵𝗲𝗮𝗱𝗲𝗱!

So, we've put together our complete thoughts on what happens next, where the opportunities are, where the risks lie, who will be the winners and losers and more.

📊 Expectations for prices, rents and yields

🔓 The negative gearing loophole for homeowners no one's talking about

🏠 How recent first home buyers and existing renters are the hardest hit

⬆️ Why now is a great time for upgraders

🏆 The winners and losers from the tax changes

📈 Why rental yields are set to hit levels not seen in decades, rivalling commercial returns

⚠️ Why new property could now carry more risk

💎 Why established property is set to become even more tightly held

🏚️ Why even fewer properties will come to market, building on the existing trend over the past decade now reinforced by new incentives to hold for longer

💰 What an ongoing slowdown in price growth means for wealth accumulation for the next generation

📉 Why the flow-on effects to the economy will be bigger than expected, and what this means for interest rates

🚀 What the market recovery will look like and will trigger it

🗼 The French scheme that incentivised buying new, running from 2014 to 2024, the negative outcomes for investors and why it sounds eerily similar to the recent changes

𝗥𝗲𝗮𝗱 𝘁𝗵𝗲 𝗮𝗿𝘁𝗶𝗰𝗹𝗲 𝗵𝗲𝗿𝗲 - https://www.propertyplanning.com.au/post/2026-budget-has-changed-property-investing

Along with Cate Bakos Property and Mike Mortlock we also deep dive into this topic in the latest 𝗧𝗵𝗲 𝗣𝗿𝗼𝗽𝗲𝗿𝘁𝘆 𝗧𝗿𝗶𝗼 𝗽𝗼𝗱𝗰𝗮𝘀𝘁 #𝟯𝟳𝟯: 𝗔𝗳𝘁𝗲𝗿 𝘁𝗵𝗲 𝗕𝘂𝗱𝗴𝗲𝘁 – 𝗔 𝗗𝗲𝗲𝗽 𝗔𝗻𝗮𝗹𝘆𝘀𝗶𝘀 𝗼𝗳 𝗪𝗵𝗼 𝗮𝗿𝗲 𝘁𝗵𝗲 𝗪𝗶𝗻𝗻𝗲𝗿𝘀, 𝘁𝗵𝗲 𝗟𝗼𝘀𝗲𝗿𝘀 𝗮𝗻𝗱 𝗪𝗵𝗮𝘁 𝗛𝗮𝗽𝗽𝗲𝗻𝘀 𝗡𝗲𝘅𝘁

31/07/2026

𝗜𝗳 𝘆𝗼𝘂 𝗼𝘄𝗻 𝗮 𝗵𝗼𝗺𝗲 𝗶𝗻 𝗔𝘂𝘀𝘁𝗿𝗮𝗹𝗶𝗮 𝗿𝗶𝗴𝗵𝘁 𝗻𝗼𝘄, 𝘁𝗵𝗶𝘀 𝗶𝘀 𝘄𝗼𝗿𝘁𝗵 𝗮 𝗿𝗲𝗮𝗱 🏠

The negative gearing and capital gains tax legislation passed Parliament on the 26th June 2026.

Buried inside it is a grandfathering provision that most homeowners haven't fully clicked onto yet.

📌 𝗜𝗻 𝘀𝗵𝗼𝗿𝘁: 𝗶𝗳 𝘆𝗼𝘂 𝗼𝘄𝗻𝗲𝗱 𝘆𝗼𝘂𝗿 𝗵𝗼𝗺𝗲 𝗯𝗲𝗳𝗼𝗿𝗲 𝟭𝟮 𝗠𝗮𝘆 𝟮𝟬𝟮𝟲, 𝘆𝗼𝘂 𝗰𝗮𝗻 𝘀𝘁𝗶𝗹𝗹 𝗻𝗲𝗴𝗮𝘁𝗶𝘃𝗲𝗹𝘆 𝗴𝗲𝗮𝗿 𝗶𝘁 𝗶𝗳 𝘆𝗼𝘂 𝗹𝗮𝘁𝗲𝗿 𝘁𝘂𝗿𝗻 𝗶𝘁 𝗶𝗻𝘁𝗼 𝗮𝗻 𝗶𝗻𝘃𝗲𝘀𝘁𝗺𝗲𝗻𝘁 𝗽𝗿𝗼𝗽𝗲𝗿𝘁𝘆.

That option won't exist for anyone buying an established property from here on.

Whether this is worth acting on comes down to how your loan is structured now, not later, because you could be losing future tax deductions and benefits every day if you don’t have the right structure in place!

𝗦𝗼, 𝗶𝘀 𝘁𝗵𝗲𝗿𝗲 𝗮𝗻𝘆 𝗰𝗵𝗮𝗻𝗰𝗲 𝘁𝗵𝗮𝘁 𝘆𝗼𝘂𝗿 𝗰𝘂𝗿𝗿𝗲𝗻𝘁 𝗵𝗼𝗺𝗲 𝗺𝗮𝘆 𝗯𝗲𝗰𝗼𝗺𝗲 𝗮𝗻 𝗶𝗻𝘃𝗲𝘀𝘁𝗺𝗲𝗻𝘁 𝗱𝗼𝘄𝗻 𝘁𝗵𝗲 𝘁𝗿𝗮𝗰𝗸?

We break down what it means and what to consider before making any changes to your repayments.

👉 Read the full article here - https://www.propertyplanning.com.au/post/the-negative-gearing-loophole

24/07/2026

We're thrilled to share that our teammate 𝗡𝗶𝗿𝗮𝗸𝗮𝗿 𝗝𝗵𝗮 has been named a finalist for the Finance Brokers Association of Australia's 𝗩𝗶𝗰𝘁𝗼𝗿𝗶𝗮'𝘀 𝗦𝗺𝗮𝗿𝘁𝗲𝘀𝘁 𝗕𝗿𝗼𝗸𝗲𝗿 𝗔𝘄𝗮𝗿𝗱! 🏆

This recognition is well deserved.

Nirakar brings a rare mix of sharp thinking, genuine care for his clients and an ability to make even the most complex finance scenarios feel simple.

It's this dedication that makes him such a valued member of our team.

The winner will be announced on Friday 7th August and we couldn't be prouder to see Nirakar representing Property Planning Australia as a finalist.

𝗖𝗼𝗻𝗴𝗿𝗮𝘁𝘂𝗹𝗮𝘁𝗶𝗼𝗻𝘀 𝗡𝗶𝗿𝗮𝗸𝗮𝗿, 𝘁𝗵𝗶𝘀 𝗼𝗻𝗲 𝗶𝘀 𝘄𝗲𝗹𝗹 𝗲𝗮𝗿𝗻𝗲𝗱! 🎉

Strategic mortgage brokers & property planners in Hawthorn, Kew & surrounds. Build wealth through optimised loan structures & maximise tax deductions.

22/07/2026

𝗦𝗰𝗼𝘁𝘁 𝗮𝗻𝗱 𝗵𝗶𝘀 𝘄𝗶𝗳𝗲 𝗮𝗿𝗲 𝗮𝗹𝗺𝗼𝘀𝘁 𝟱𝟴, 𝗿𝗲𝘁𝗶𝗿𝗶𝗻𝗴 𝗶𝗻 𝘁𝘄𝗼 𝘆𝗲𝗮𝗿𝘀 𝗮𝗻𝗱 𝗵𝗮𝘃𝗲 𝗯𝘂𝗶𝗹𝘁 𝗮𝗻 𝗲𝘅𝗰𝗲𝗽𝘁𝗶𝗼𝗻𝗮𝗹 𝗽𝗿𝗼𝗽𝗲𝗿𝘁𝘆 𝗽𝗼𝗿𝘁𝗳𝗼𝗹𝗶𝗼.

Five investment properties worth $3.2 million, an LVR of just 35% and $20,000 in positive cash flow every year.

Despite this, Scott asked the Property Trio when he wrote in:

“𝗔𝗿𝗲 𝘄𝗲 𝗺𝗮𝗱?”

𝗧𝗵𝗲𝘆'𝘃𝗲 𝗴𝗼𝘁 𝘁𝗵𝗲𝗶𝗿 𝗲𝘆𝗲 𝗼𝗻 𝗮 𝗠𝗲𝗹𝗯𝗼𝘂𝗿𝗻𝗲 𝘂𝗻𝗶𝘁 𝗮𝗻𝗱 𝘁𝗵𝗲𝘆 𝘄𝗮𝗻𝘁 𝘁𝗼 𝗸𝗻𝗼𝘄 𝗶𝗳 𝘁𝗵𝗲𝘆 𝘀𝗵𝗼𝘂𝗹𝗱 𝗴𝗼 𝗳𝗼𝗿 𝗶𝘁.

By most measures, they've absolutely nailed it.

𝗜𝗻 𝘁𝗵𝗶𝘀 𝗲𝗽𝗶𝘀𝗼𝗱𝗲, 𝘁𝗵𝗲 𝗧𝗿𝗶𝗼 𝘄𝗼𝗿𝗸 𝘁𝗵𝗿𝗼𝘂𝗴𝗵 𝘁𝗵𝗲 𝗰𝗼𝗻𝘀𝗶𝗱𝗲𝗿𝗮𝘁𝗶𝗼𝗻𝘀 𝗳𝗿𝗼𝗺 𝗲𝘃𝗲𝗿𝘆 𝗮𝗻𝗴𝗹𝗲:

🎯 How do you know when your portfolio is already doing its job well?

⏱️ How close is too close to retirement to be taking on additional risk?

🎲 How do you know if your next property purchase is a smart move or a gamble you can't afford to lose?

📋 Why your Property Plan and related modelling against your goals should make the final call on any new purchase.

💰 Why the assumptions baked into the plan need to be stress tested.

🏡 Why the type of property you should be buying looks very different depending on where you are in life and how close you are to retirement.

🔮 Is Melbourne's unit market on the verge of its moment or is buying on that hope a strategy built on sand?

𝗜𝗳 𝘆𝗼𝘂 𝘄𝗮𝗻𝘁 𝘁𝗼 𝗯𝘂𝗶𝗹𝗱 𝗮 𝗽𝗿𝗼𝗽𝗲𝗿𝘁𝘆 𝗽𝗼𝗿𝘁𝗳𝗼𝗹𝗶𝗼 𝘁𝗵𝗮𝘁 𝘀𝗲𝘁𝘀 𝘆𝗼𝘂 𝘂𝗽 𝗳𝗼𝗿 𝗮 𝗰𝗼𝗺𝗳𝗼𝗿𝘁𝗮𝗯𝗹𝗲 𝗿𝗲𝘁𝗶𝗿𝗲𝗺𝗲𝗻𝘁, 𝘁𝗵𝗶𝘀 𝗲𝗽𝗶𝘀𝗼𝗱𝗲 𝗶𝘀 𝗮 𝗺𝘂𝘀𝘁 𝗹𝗶𝘀𝘁𝗲𝗻.

Join Cate Bakos Property and David Johnston in Property Trio episode:

🎧 #𝟯𝟳𝟭: 𝗧𝗵𝗲 𝗥𝗲𝘁𝗶𝗿𝗲𝗺𝗲𝗻𝘁 𝗖𝗼𝘂𝗻𝘁𝗱𝗼𝘄𝗻 - 𝗜𝘀 𝗔𝗱𝗱𝗶𝗻𝗴 𝗢𝗻𝗲 𝗠𝗼𝗿𝗲 𝗣𝗿𝗼𝗽𝗲𝗿𝘁𝘆 𝘁𝗼 𝗬𝗼𝘂𝗿 𝗣𝗼𝗿𝘁𝗳𝗼𝗹𝗶𝗼 𝗖𝗹𝗼𝘀𝗲 𝘁𝗼 𝗥𝗲𝘁𝗶𝗿𝗲𝗺𝗲𝗻𝘁 𝗮 𝗦𝗺𝗮𝗿𝘁 𝗠𝗼𝘃𝗲 𝗼𝗿 𝗮 𝗦𝘁𝗲𝗽 𝗧𝗼𝗼 𝗙𝗮𝗿?

🔗 Link to the episode in the first comment

21/07/2026

𝗦𝘆𝗱𝗻𝗲𝘆 𝗮𝗻𝗱 𝗠𝗲𝗹𝗯𝗼𝘂𝗿𝗻𝗲 𝗽𝗿𝗼𝗽𝗲𝗿𝘁𝘆 𝘃𝗮𝗹𝘂𝗲𝘀 𝗷𝘂𝘀𝘁 𝗴𝗼𝘁 𝗵𝗮𝗺𝗺𝗲𝗿𝗲𝗱, 𝘄𝗵𝗶𝗹𝗲 𝗿𝗲𝗻𝘁𝗮𝗹 𝘆𝗶𝗲𝗹𝗱𝘀 𝗰𝗹𝗶𝗺𝗯 𝘁𝗼 𝗹𝗲𝘃𝗲𝗹𝘀 𝗻𝗼𝘁 𝘀𝗲𝗲𝗻 𝗶𝗻 𝘆𝗲𝗮𝗿𝘀.

Yet first home buyers are sitting on the sidelines and investors remain cautious, even as rising listings and strengthening yields create some of the best buying conditions we've seen in a long time.

In the June Market Update, the Property Trio break down the first full months data since the budget tax changes hit.

Here's what they cover:

📈 Why rents refuse to slow down, even as prices fall

💰 The yield shift that's got investors looking twice at property they'd normally overlook

📉 Why the "national downturn" headlines are only telling half the story

🏠 The investor exodus that's quietly building for spring, and what it could mean for supply

⚠️ Negative equity: the term set to dominate headlines for first home buyers who used government incentives in record numbers over the last 12 months, only to have the proverbial rug pulled out from underneath them thanks to the tax changes.

𝗪𝗵𝗲𝘁𝗵𝗲𝗿 𝘆𝗼𝘂'𝗿𝗲 𝗯𝘂𝘆𝗶𝗻𝗴, 𝘀𝗲𝗹𝗹𝗶𝗻𝗴 𝗼𝗿 𝗷𝘂𝘀𝘁 𝘁𝗿𝘆𝗶𝗻𝗴 𝘁𝗼 𝗺𝗮𝗸𝗲 𝘀𝗲𝗻𝘀𝗲 𝗼𝗳 𝘄𝗵𝗲𝗿𝗲 𝘁𝗵𝗶𝘀 𝗺𝗮𝗿𝗸𝗲𝘁 𝗶𝘀 𝗵𝗲𝗮𝗱𝗶𝗻𝗴, 𝘁𝗵𝗶𝘀 𝗲𝗽𝗶𝘀𝗼𝗱𝗲 𝗴𝗶𝘃𝗲𝘀 𝘆𝗼𝘂 𝘁𝗵𝗲 𝗱𝗮𝘁𝗮 𝗯𝗲𝗵𝗶𝗻𝗱 𝘁𝗵𝗲 𝗵𝗲𝗮𝗱𝗹𝗶𝗻𝗲𝘀.

Join Cate Bakos Property, Mike Mortlock and David Johnston in Property Trio episode:

🎧 #𝟯𝟳𝟬: 𝗠𝗮𝗿𝗸𝗲𝘁 𝗨𝗽𝗱𝗮𝘁𝗲 𝗝𝘂𝗻𝗲 𝟮𝟬𝟮𝟲 – 𝗦𝘆𝗱𝗻𝗲𝘆 𝗮𝗻𝗱 𝗠𝗲𝗹𝗯𝗼𝘂𝗿𝗻𝗲 𝗟𝗲𝗮𝗱 𝗡𝗮𝘁𝗶𝗼𝗻𝗮𝗹 𝗦𝗹𝗶𝗱𝗲, 𝗥𝗲𝗻𝘁𝘀 𝗞𝗲𝗲𝗽 𝗖𝗹𝗶𝗺𝗯𝗶𝗻𝗴, 𝗟𝗶𝘀𝘁𝗶𝗻𝗴𝘀 𝗥𝗶𝘀𝗲 & 𝗬𝗶𝗲𝗹𝗱𝘀 𝗛𝗶𝘁 𝗮 𝗠𝘂𝗹𝘁𝗶-𝗬𝗲𝗮𝗿 𝗛𝗶𝗴𝗵

🔗 Link to the episode in the first comment

13/07/2026

𝗧𝗵𝗲𝗿𝗲'𝘀 𝗮 𝗻𝗲𝗴𝗮𝘁𝗶𝘃𝗲 𝗴𝗲𝗮𝗿𝗶𝗻𝗴 𝗹𝗼𝗼𝗽𝗵𝗼𝗹𝗲 𝗵𝗶𝗱𝗶𝗻𝗴 𝗶𝗻 𝗽𝗹𝗮𝗶𝗻 𝘀𝗶𝗴𝗵𝘁 𝗶𝗻 𝘁𝗵𝗲 𝗻𝗲𝘄 𝘁𝗮𝘅 𝗹𝗲𝗴𝗶𝘀𝗹𝗮𝘁𝗶𝗼𝗻.

It's available to anyone who already owned a home prior to the budget.

Yet, nobody's talking about it.

So the Trio dissected it in this episode pulled it apart piece by piece.

Here's what's on the table:

🔑 The grandfathering clause that allows you to negatively gear property into the future buried in the fine print that most homeowners have completely missed.

🏠 The way your current mortgage repayment approach could be closing this door without you even knowing it.

📋 Why your mortgage strategy matters more now than ever if you want to be able to negatively gear an existing home into the future.

💡 A "backwards" reverse engineering of a classic property ‘rent-vesting’ strategy that could open the door for you to have negatively geared property.

💰 Who can actually use this loophole.

𝗦𝗽𝗼𝗶𝗹𝗲𝗿: 𝗜𝗳 𝘆𝗼𝘂 𝗼𝘄𝗻 𝗮 𝗵𝗼𝗺𝗲 𝗶𝗻 𝗔𝘂𝘀𝘁𝗿𝗮𝗹𝗶𝗮, 𝘁𝗵𝗶𝘀 𝗲𝗽𝗶𝘀𝗼𝗱𝗲 𝗶𝘀 𝗲𝘀𝘀𝗲𝗻𝘁𝗶𝗮𝗹 𝗹𝗶𝘀𝘁𝗲𝗻𝗶𝗻𝗴

Join Cate Bakos Property, Mike Mortlock and David Johnston in Property Trio episode:

🎧 #𝟯𝟲𝟵: 𝗧𝗵𝗲 𝗡𝗲𝗴𝗮𝘁𝗶𝘃𝗲 𝗚𝗲𝗮𝗿𝗶𝗻𝗴 𝗟𝗼𝗼𝗽𝗵𝗼𝗹𝗲 𝗔𝘃𝗮𝗶𝗹𝗮𝗯𝗹𝗲 𝗳𝗼𝗿 𝗘𝘀𝘁𝗮𝗯𝗹𝗶𝘀𝗵𝗲𝗱 𝗣𝗿𝗼𝗽𝗲𝗿𝘁𝗶𝗲𝘀 𝘁𝗵𝗮𝘁 𝗡𝗼 𝗢𝗻𝗲’𝘀 𝗧𝗮𝗹𝗸𝗶𝗻𝗴 𝗔𝗯𝗼𝘂𝘁

🔗 Link to the episode in the first comment

07/07/2026

𝗣𝗼𝗹𝗶𝘁𝗶𝗰𝗶𝗮𝗻𝘀 𝗸𝗲𝗲𝗽 𝘁𝗮𝗹𝗸𝗶𝗻𝗴 𝗮𝗯𝗼𝘂𝘁 𝘁𝗵𝗲 𝗴𝗿𝗲𝗲𝗱𝘆 𝗹𝗮𝗻𝗱𝗹𝗼𝗿𝗱 𝘄𝗶𝘁𝗵 𝗹𝗼𝘁𝘀 𝗼𝗳 𝗶𝗻𝘃𝗲𝘀𝘁𝗺𝗲𝗻𝘁 𝗽𝗿𝗼𝗽𝗲𝗿𝘁𝗶𝗲𝘀.

The RBA just looked at the actual data and the real picture is very different.

Turns out, 70% of Australian property investors own just one investment property.

And if you own three or more? You're in the top 10% of all investors.

The RBA has just published some of its most detailed research on who actually owns Australia's investment properties and it cuts through a lot of the noise.

𝗜𝗻 𝘁𝗵𝗶𝘀 𝗲𝗽𝗶𝘀𝗼𝗱𝗲, 𝘁𝗵𝗲 𝗣𝗿𝗼𝗽𝗲𝗿𝘁𝘆 𝗧𝗿𝗶𝗼 𝗲𝘅𝗽𝗹𝗼𝗿𝗲 𝘄𝗵𝗮𝘁 𝘁𝗵𝗲 𝗱𝗮𝘁𝗮 𝗿𝗲𝗮𝗹𝗹𝘆 𝘁𝗲𝗹𝗹𝘀 𝘂𝘀:

📊 Just how many Australians actually own an investment property?

🤔 Investment properties make up just 20% of all dwellings yet renters account for 30% of households - how does that happen?

👴 The age profile of Australia's investors has shifted dramatically since 1999 and it has big implications for the market.

📍 Where do most investors actually buy?

💸 There's a particular type of investor the RBA has flagged as carrying serious risk, are you in this category?

𝗔𝗻𝗱 𝘁𝗵𝗲 𝗯𝗶𝗴 𝗾𝘂𝗲𝘀𝘁𝗶𝗼𝗻 𝘁𝗵𝗲𝘆 𝘁𝗮𝗰𝗸𝗹𝗲: 𝗜𝘀 𝗼𝗻𝗲 𝗶𝗻𝘃𝗲𝘀𝘁𝗺𝗲𝗻𝘁 𝗽𝗿𝗼𝗽𝗲𝗿𝘁𝘆 𝗮𝗰𝘁𝘂𝗮𝗹𝗹𝘆 𝗲𝗻𝗼𝘂𝗴𝗵 𝘁𝗼 𝗯𝘂𝗶𝗹𝗱 𝗿𝗲𝗮𝗹 𝘄𝗲𝗮𝗹𝘁𝗵 𝗶𝗻 𝟮𝟬𝟮𝟲?

Whether you're renting, buying your first home or building a portfolio, this episode cuts through the noise and gets straight to what matters.

Join Cate Bakos and Mike Mortlock in Property Trio episode:

🎧 #𝟯𝟲𝟴: 𝗧𝗵𝗲 𝗧𝗿𝘂𝘁𝗵 𝗔𝗯𝗼𝘂𝘁 𝗣𝗿𝗼𝗽𝗲𝗿𝘁𝘆 𝗜𝗻𝘃𝗲𝘀𝘁𝗼𝗿𝘀 - 𝗪𝗵𝗮𝘁 𝘁𝗵𝗲 𝗥𝗕𝗔 𝗗𝗮𝘁𝗮 𝗥𝗲𝘃𝗲𝗮𝗹𝘀 𝗔𝗯𝗼𝘂𝘁 𝗪𝗲𝗮𝗹𝘁𝗵, 𝗥𝗶𝘀𝗸 & 𝗔𝘂𝘀𝘁𝗿𝗮𝗹𝗶𝗮’𝘀 𝗥𝗲𝗻𝘁𝗮𝗹 𝗠𝗮𝗿𝗸𝗲𝘁

🔗 Link to the episode in the first comment

02/07/2026

🏠 𝗜𝗠𝗣𝗢𝗥𝗧𝗔𝗡𝗧 𝗨𝗣𝗗𝗔𝗧𝗘 𝗙𝗢𝗥 𝗦𝗠𝗦𝗙 𝗜𝗡𝗩𝗘𝗦𝗧𝗢𝗥𝗦 — 𝗧𝗛𝗘 𝗪𝗜𝗡𝗗𝗢𝗪 𝗜𝗦 𝗖𝗟𝗢𝗦𝗜𝗡𝗚

If you've been considering purchasing residential investment property through a Self-Managed Super Fund (SMSF), there is a significant change you need to know about and time is short.

The Federal Government has struck a deal with the Greens to ban SMSFs from borrowing to purchase residential property.

𝗧𝗵𝗲 𝗯𝗮𝗻 𝘄𝗶𝗹𝗹 𝘁𝗮𝗸𝗲 𝗲𝗳𝗳𝗲𝗰𝘁 𝗼𝗻 𝘁𝗵𝗲 𝟭𝟬𝘁𝗵 𝗼𝗳 𝗔𝘂𝗴𝘂𝘀𝘁 𝟮𝟬𝟮𝟲.

Here's what you need to know:

✅ Contracts signed BEFORE the commencement date are protected, even if settlement happens after.

✅ Existing SMSF property loans are fully grandfathered, nothing changes if you already hold one.

✅ Borrowing for commercial/business real property through an SMSF is NOT affected and remains available.

⚠️ 𝗟𝗲𝗻𝗱𝗲𝗿𝘀 𝗺𝗮𝘆 𝗽𝘂𝗹𝗹 𝘁𝗵𝗲𝗶𝗿 𝗦𝗠𝗦𝗙 𝗹𝗼𝗮𝗻 𝗽𝗿𝗼𝗱𝘂𝗰𝘁𝘀 𝗲𝘃𝗲𝗻 𝘀𝗼𝗼𝗻𝗲𝗿 𝘁𝗵𝗮𝗻 𝘁𝗵𝗲 𝗹𝗲𝗴𝗮𝗹 𝗰𝘂𝘁𝗼𝗳𝗳 (𝘁𝗵𝗶𝘀 𝗶𝘀 𝗲𝘅𝗮𝗰𝘁𝗹𝘆 𝘄𝗵𝗮𝘁 𝗵𝗮𝗽𝗽𝗲𝗻𝗲𝗱 𝘄𝗵𝗲𝗻 𝗮 𝘀𝗶𝗺𝗶𝗹𝗮𝗿 𝗽𝗼𝗹𝗶𝗰𝘆 𝘄𝗮𝘀 𝗳𝗹𝗼𝗮𝘁𝗲𝗱 𝗶𝗻 𝟮𝟬𝟭𝟵).

The budget's tax reforms made SMSFs the standout vehicle for residential property investment, with super funds continuing to enjoy 15% tax on income and a preserved CGT discount.

The government now appears to be closing that door too.

As a result, there is likely to be a rush of buyers looking to complete SMSF property purchases before the deadline.

𝗜𝗳 𝘆𝗼𝘂'𝘃𝗲 𝗯𝗲𝗲𝗻 𝘁𝗵𝗶𝗻𝗸𝗶𝗻𝗴 𝗮𝗯𝗼𝘂𝘁 𝘁𝗵𝗶𝘀 𝘀𝘁𝗿𝗮𝘁𝗲𝗴𝘆, 𝘁𝗵𝗲 𝘁𝗶𝗺𝗲 𝘁𝗼 𝗮𝗰𝘁 𝗶𝘀 𝗡𝗢𝗪, 𝗻𝗼𝘁 𝗻𝗲𝘅𝘁 𝘄𝗲𝗲𝗸.

If you'd like to review your mortgage strategy and explore your options before the window closes, reach out to us today at

Get independent property planning advice today and speak to our strategic mortgage brokers about your next real estate investment

24/06/2026

𝗜𝘀 𝘁𝗵𝗲 𝗶𝗻𝘁𝗲𝗿𝗲𝘀𝘁 𝗿𝗮𝘁𝗲 𝗼𝗻 𝘆𝗼𝘂𝗿 𝗺𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝘄𝗼𝗿𝗸𝗶𝗻𝗴 𝗮𝘀 𝗵𝗮𝗿𝗱 𝗮𝘀 𝗶𝘁 𝗰𝗼𝘂𝗹𝗱 𝗯𝗲? 🏋️

Since February, the RBA has lifted rates three times.

𝗢𝗻 𝘁𝗵𝗲 𝗮𝘃𝗲𝗿𝗮𝗴𝗲 $𝟳𝟰𝟬𝗸 𝗹𝗼𝗮𝗻, 𝘁𝗵𝗮𝘁'𝘀 $𝟰𝟲𝟮 𝗺𝗼𝗿𝗲 𝗹𝗲𝗮𝘃𝗶𝗻𝗴 𝘆𝗼𝘂𝗿 𝗽𝗼𝗰𝗸𝗲𝘁 𝗲𝘃𝗲𝗿𝘆 𝗺𝗼𝗻𝘁𝗵. 💸

But here's what most borrowers don't realise: lenders compete hard for new customers, they don't usually volunteer a better deal to existing ones.

𝗜𝗳 𝗻𝗼 𝗼𝗻𝗲'𝘀 𝗽𝘂𝘀𝗵𝗲𝗱 𝗯𝗮𝗰𝗸 𝗼𝗻 𝘆𝗼𝘂𝗿 𝗯𝗲𝗵𝗮𝗹𝗳 𝗹𝗮𝘁𝗲𝗹𝘆, 𝘆𝗼𝘂𝗿 𝗿𝗮𝘁𝗲 𝗺𝗮𝘆 𝗵𝗮𝘃𝗲 𝗾𝘂𝗶𝗲𝘁𝗹𝘆 𝗯𝗲𝗰𝗼𝗺𝗲 𝗹𝗮𝘇𝘆.

We've put together a practical guide covering what to actually do about it, from negotiating with your current lender, to making your offset work properly, to knowing when refinancing is (and isn't) the right move.

https://www.propertyplanning.com.au/post/how-to-save-money-on-your-home-loan

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...