inSynergy Property Wealth Advisory

25/10/2026

Let's face it, the realities of being a property investor has changed in 2026.
⤷ Interest rates have jumped.
⤷ Negative gearing and capital gains tax discounts are restricted to just new properties.
⤷ Using SMSF is also restricted to just business-real property.

This is adding more pressure to property investors.

But these changes don't paint a full picture.

For instance, did you know back in 2003-2009, interest rates rose from 4% to 8%?

The results?
Sydney plateaued.
But every other market grew from 37% to 128% in that same period.

The lesson?
Expensive cities like Sydney will always face more pressure.
But other markets and mid-sized cities are waiting to boom.

Upswing periods of growth are always larger and longer than small downturn periods.

And I know you're about to write in the comments, "but what about the government changes?"

Let me stop you for a second.

If an investor looks at location fundamentals and invests into building a new property.

That new property will:
⤷ receive negative gearing and capital gains tax benefits.
⤷ boom over the next 5-10 years in market value.
⤷ be supported by a low vacancy rate, combined with high migration for stronger yields.

The rules have changed and your strategy needs to evolve.
Don't wait on the sidelines.

The opportunity cost is growing.

Talk to us. We'll help you better understand your options for property investment

23/10/2026

Can you replace your income in 7-10 years and retire earlier?
Shorter answer: Yes.
Longer answer: Yes, with a crafted, individual strategy that's tailored to your circumstances and goals.

The property market has undergone massive changes from the Government in regard to negative gearing, capital gains tax discounts and using SMSF for residential property.

But.

The fundamentals of property investment are still the same.
⤷ Investing in a high growth area.
⤷ Low vacancy rate = better yields.
⤷ Understanding when to sell.
⤷ Continuous portfolio review.

We assist you to unlock and implement these property fundamentals with our in-house team of property wealth planners, property acquisition experts and award-winning brokers.

Plus, our Chief Economist with a PhD in Economics oversees every investment decision from a market analysis point of view.

Our clients build property portfolios to replace their income, retire earlier and spend more time with family and pursuing their passion projects.

Ask yourself.
What's stopping you from taking the first step to saying yes to financial freedom?

22/10/2026

Some investors think taking no action in the current market is the safest option.
But this isn't always the best method.

Waiting on the sidelines could be the biggest opportunity cost for property growth.
And this number will grow exponentially.

So, what should investors do?

The smartest investors are continuously assessing their options to account for concerns with rising interest rates, borrowing capacity, cash flow and the biggest changes to property investment taxation we've seen in decades.

While you may have put your next property purchase on hold, have you incidentally also put your entire investment strategy on hold?
You don't need to buy to make progress.

Are you waiting on the sidelines because you've made a careful analysis of your financial circumstances?

or are you waiting because you're uncertain of what to do next?

If you're wondering whether you should be buying, holding or reconsidering your property investment plans, it's time for a conversation.

15/10/2026

Darwin continues to outperform every capital city in 2026, so what are the fundamentals that keep Australia's unhurried, tropical capital at the top of the leaderboard for residential property growth?

Chief Economist Dr Kevin Hoang joins Rob Palmer on the inSynergy Property Wealth podcast to discuss what factors are leading this upswing growth and why other capital cities need to take notice.

13/10/2026

This week, Richard Sheppard and the inSynergy team are attending site inspections in the beautiful Darwin area and this morning they put the pedal to the metal (outside of the office for a change) by taking a scenic route on our bikes!

Darwin is an area primed for property investment due to its infrastructure expansion, low vacancy rate and great fundamentals.

09/10/2026

Will the recent changes to residential property investment by the Labor Government be reversed?

There's a strong case that these unpopular changes could be reversed in the lead up to the 2028 election cycle. Why? Because the Labor government did in fact abolish negative gearing previously in 1985 only to reverse this decision two years later in 1987.

Or will we see another political party promise to remove restrictions to negative gearing, SMSF LRBA's and CGT changes to win votes?

Catch up with Rob Palmer, Richard Sheppard and Dr Kevin Hoang in Episode 1 of the inSynergy Property Wealth podcast as they discuss this and how property investment has changed in 2026.

08/10/2026

Today, we are attending the CONNECT With HubSpot event in Sydney to learn more about AI, AEO, digital marketing and how to better serve customers and clients. If you see us, feel free to say hello!

07/10/2026

Despite the doom and gloom from commentators and opinion pieces, Australia’s fragmented housing market continues to show pocket areas of continued growth amidst the overall downturn. There’s no denying most cities and areas have seen small price drops for the previous few months however a wider lens is needed to examine property performance in the context of the full property cycle.

Historical property cycles show that the average downturn period lasted approximately 0.7 years and resulted in a 2.9% decline in values compared to a larger upswing of 2.8 years and 32.3% growth on average. Given that national dwelling values have already fallen 5.2% since March 2026, coupled with the recent moderation in the rate of decline, the Sydney and Melbourne markets may be approaching the bottom of the current cycle.

Sydney and Melbourne for instance were among the first capital cities to enter the downturn and have recorded the largest declines in values, with cumulative falls of 8.4% in Sydney and 6.8% in Melbourne for the past 12 months. Noticeably, the pace of decline in housing values across both cities has begun to moderate: . In his September 2026 Property Market Update. Dr. Kevin Hoang outlines how each of Australia’s capitals performed over the past 12 months with surprising statistics about mid-sized cities.

29/09/2026

📉 The RBA has officially hiked the interest rate from 4.35% to 4.6% in their September meeting, as widely expected by the market.

Today’s decision has marked the fourth time the rate has increased this year and the highest level since November 2011:
- 3.6% to 3.85% in February,
- 3.85% to 4.1% in March;
- 4.1% to 4.35% in May; and
- 4.35% to 4.6% in September this year.

The RBA has decided that it is time to prioritise tackling persistent inflation, which has remained high despite the interest rate hikes implemented earlier this year.

Read more in our article where Chief Economist of inSynergy Dr Kevin Hoang analyses the reasons why for this current interest rate hike and which market segments will be impacted.
https://bit.ly/4iO899U

18/09/2026