CH Secure

CH Secure Backed by Cohen Handler, secure your financial future in less than 10 years with Australian property.

21/05/2026

Post-Budget, everyone's been drawn to yield.

With the 50% CGT discount being replaced by indexation, negative gearing winding back on established stock from July 2027, and banks already trimming borrowing capacity, the cushion that subsidised growth-led investing just got a lot thinner.

So everyone's racing to the next big yield number they can find.

Broken Hill — 8.5%+ gross. Charters Towers — just under 9%. Mount Morgan — around 9.3%.

The yields are real. But the thing nobody's stacking up next to them is:
– Limited economic diversity
– Low population growth
– Virtually no major infrastructure investment

Great cash flow today. Capital growth in 5–10 years? Not so much.

Yield wins the week. Compounding growth wins the decade.

The new rules from 2027 don't change that, if anything they make it more important. Without negative gearing softening the cash flow drag, the assets you buy need to actually grow.

A portfolio built for both is the only one that holds up under the new rules.

Want one structured that way? DM SECURE and we'll show you how we do it for our clients.

CH Secure is a buyer's agency. We do not provide financial, tax or structuring advice. Always speak to a qualified accountant before deciding on strategy.

We just helped a young Sydney family cross $3.75M in property. They've never claimed a dollar of negative gearing.Worth ...
18/05/2026

We just helped a young Sydney family cross $3.75M in property. They've never claimed a dollar of negative gearing.

Worth thinking about as the rules change in 2027.

Every conversation right now is about what removing negative gearing on established stock will do to property investors. Most of it assumes the strategy doesn't work without it.

We've spent the last 15 months quietly disproving that.

Step 1 — the structure (their accountant's call). On their accountant's advice, the portfolio was set up inside a company structure. Company-held property can't be negatively geared against personal income, so by design, the property strategy had to stand on its own from day one. No tax-time miracle. Just yield, growth, supply, and demand. That's where the CH Secure team came in.

Step 2 — the build. We sourced and negotiated three residential properties through 2024 and early 2025, two outer-metro and one regional. Same playbook every time: tight supply, owner-occupier appeal, infrastructure tailwinds we could point to on a map, and a price point that matched the rent. Combined purchase: $2.26M.

Step 3 — the pivot. Three properties in, the cash flow position was sitting slightly negative. So we turned the strategy. We added a higher-yielding asset to balance it, a multi-unit residential property, four dwellings on one title, $95,440 a year in rent, 9.6% gross yield. That income offset the negative cash flow position on the residential side and kept the portfolio serviceable.

Today: $3.75M against a $3.24M total purchase price. $504K of capital growth inside 15 months. No negative gearing claimed. No personal tax loss against their income.

The strategy worked because the assets stacked up before any tax break was applied.

That's how we build every portfolio at CH Secure. Negative gearing was always a feature of the system, never the strategy.

The same principles will work under the new rules from July 2027.

If you'd like to talk about whether something similar fits your situation, get in touch.
CH Secure is a buyer's agency. We do not provide financial, tax or structuring advice, always engage a qualified accountant and financial adviser before deciding on ownership structure.

15/05/2026

10 bananas cost $5 ten years ago. Today the same 10 bananas cost $9. Under the new 2026 CGT rules, the tax office only taxes part of that gain. Here's how it works.

Inflation explains some of the rise. CPI (the official measure of inflation) says prices have gone up about 3% a year on average. So just from normal inflation, those bananas should cost about $7 today. Two of the dollars in the new price are just inflation. You didn't actually get richer. Everything got more expensive at the same rate.

But the real shop price is $9, not $7. There's a banana shortage. Demand has spiked. So actual market prices have outrun inflation by $2. That $2 is REAL value growth above what inflation alone would have done.

Under the new rules, the tax office splits these two effects apart. They take your original $5 cost and bump it up to $7 in today's money (the inflation portion). They don't tax that bit. Only the $2 above inflation gets taxed at your marginal rate.

Same exact rule applies to property, shares, and any investment asset under the 2026 CGT regime from 1 July 2027.

If your property doubled in dollar terms over 10 years, ask yourself how much of that doubling was inflation and how much was real. Only the real growth gets taxed under the new rules. The inflation portion doesn't.

General information only. Not financial advice. Consult a licensed financial adviser, accountant and conveyancer about your specific situation.

13/05/2026

The new property tax rules in dollar terms. Three real properties, same $150K income, same loan, same 10-year hold.

City of Sydney LGA: $1M apartment.
City of Greater Geelong LGA: $800K house.
The Hills Shire LGA: $800K new build, active land release.

Year one out of pocket under the NEW rules: $33K, $18K, $12K. The new build keeps negative gearing. Established stock loses it.

Net position after 10 years: $32K, $493K, $279K.

Each of these strategies makes sense for someone. The prestige metro play stores capital in a premium location with low vacancy. The outer-established play prioritises yield, owner-occupier demand and long-term growth. The new build play optimises for ongoing tax efficiency and depreciation.

The right strategy depends entirely on what you're optimising for. Income now, equity later, prestige, tax position, hold length, risk tolerance. The math gives you the numbers. Your goals tell you which number matters.

All data: HTAG Analytics.

General information only. Not financial advice. Figures are illustrative and do not consider your personal circumstances. Speak with a licensed financial adviser, accountant and conveyancer before acting on any of this.

Swipe through for the plain language read on what the 2026 Federal Budget actually did, what it didn't, and what it mean...
12/05/2026

Swipe through for the plain language read on what the 2026 Federal Budget actually did, what it didn't, and what it means if you own property or are thinking of buying.

The short version. Existing investors are grandfathered. The main residence exemption is untouched. The new rules bite hardest at the top of the market where the negative position is largest. CBD apartments & houses yielding 2 to 3 percent take far more pain than regional and outer-metro stock yielding 4.5 to 5 percent. Capital reallocates to where the math works.

CH Secure has never relied on negative gearing in our acquisition analysis. The properties we source need to work on rent and capital growth alone. Tonights budget validated the approach we've taken from day one.

Save this. Send it to anyone in your network who needs the plain-language read. DM us if you want a 15 minute conversation on what this means for your portfolio specifically.

12/05/2026

Negative gearing rules have been unchanged for 39 years. The CGT discount has been unchanged for 27. Both are expected to change tonight.

If you own an investment property or you're planning to buy one, a few things worth keeping in mind before you react.

1. Headlines tonight will tell you what changed. They won't tell you what it means for your specific situation. The detail sits in the budget papers and it takes time to work through properly. Give it a day before making any decisions.

2. The investment case for property has never depended on tax structure. Good properties create wealth through capital growth and rental yield. If your investment was built on the fundamentals, the change in rules is uncomfortable but not damaging.

3. The fundamentals of how to assess a property haven't changed either. Yield, growth potential, serviceability, location. These have always been the right things to focus on, and they still are.

Tonight changes the rules. It doesn't change the fundamentals.

05/05/2026

Honestly? What this client went through is the most common story we hear right now. First home buyers wanting metro city, running the numbers, realising it's not on the cards, and not knowing what comes next.

So they wait. Save longer. Watch the market run away. Years go by.

You're not alone in that. Tens of thousands of Australians are sitting in the exact same spot.

There's more than one way through it.

Comment SECURE to learn more.

$480,000 to $768,000 in 26 months.SMSF acquisition for our client, $288,000 in capital growth on a single off-market dea...
02/05/2026

$480,000 to $768,000 in 26 months.

SMSF acquisition for our client, $288,000 in capital growth on a single off-market deal in the Mackay region.

The brief was clear. Low risk. Low maintenance. High yield. The kind of asset that does the work without creating a headache inside the fund.

Newer build. Strong tenant demand. Yield well above what the SMSF needed to keep ticking over. Genuine set and forget.

Sometimes you don't need to wait. You need a better plan.

DM "secure".

01/05/2026

$6 billion in infrastructure. Almost nobody's talking about it.

Burnie, Tasmania. The $3.5 billion Marinus Link, a $137 million port expansion, and a $1.4 billion hospital upgrade are all underway. 1,400 jobs incoming.

Vacancy is tight, yields are pushing 6%, and entry prices are still soft.

The best entries happen before the headlines do.

DM "secure" if you want to see what we're tracking right now.

First home buyer. Sydney based. Locked out of her own market.She came to us with a $2M equity goal over 10 years and one...
29/04/2026

First home buyer. Sydney based. Locked out of her own market.

She came to us with a $2M equity goal over 10 years and one constraint: keep holding costs low through high-yielding assets.

So we built her a portfolio. Outside Sydney, where the numbers actually worked.
Four properties. QLD, WA, Victoria. 25 months in.

$1,522,500 invested. $2,079,177 in current value. $556,677 in capital growth and a 6.2% average gross yield while Sydney sits around 2.5%.

She's already 28% of the way to her 10-year goal. In 25 months.

Locked out of your own market? You're not stuck.

DM "secure" and let's talk.

Address

HQ Suite 1, 53 Cross Street
Double Bay, NSW
2028

Website

Alerts

Be the first to know and let us send you an email when CH Secure posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Shortcuts

Share

Category