Wise Guru - Aussie Expat Specialist

05/10/2026

Chasing a rate 0.05% cheaper can cost you a 3% discount.

People fixate on the headline number and lose far more on the terms. Look at the whole loan.

Watch the full September review: https://youtu.be/CQax50POw2s

General information only, not personal financial advice.

01/10/2026

A 10% fall doesn’t mean the same thing everywhere.

In Brisbane it wipes out a few months. In Melbourne it takes you back to 2021. Same percentage, very different outcome.

Watch the full September review: https://youtu.be/CQax50POw2s

General information only, not personal financial advice.

29/09/2026

The RBA has raised the cash rate 25 basis points to 4.60% — the fourth hike this year and the highest since 2011. Here’s why I think government spending is keeping the economy hot and forcing the RBA’s hand.

From Andrew’s Sept 2026 Quarterly Property Review. Full video: [FULL VIDEO LINK]
Got a question for the next quarterly? [QUESTION FORM LINK]

General information only, not personal financial advice. Speak to a licensed adviser about your situation.

28/09/2026

Rates are on hold. Inflation isn’t behaving.

Andrew’s call on what the RBA does next, and why it matters before you lock anything in.

Full September review on YouTube — link in bio.

General information only, not personal financial advice.

28/09/2026

A 10% fall doesn't mean the same thing everywhere.
In Brisbane it wipes out a few months. In Melbourne it takes you back to 2021. Same percentage, very different
outcome.

Full September review on YouTube — link in bio.

General information only, not personal financial advice.

25/09/2026

📊 Our September 2026 Quarterly Property Review is now live — “Navigating the Strategic Pivot.”

Four months on from the May budget, the market is moving in two very different directions. Sydney and Melbourne are leading the price falls (their top-end homes are down more than 10%), while Brisbane, Perth and Adelaide have stayed resilient. Add rents at multi-year highs, the RBA holding at 4.35%, and the negative-gearing changes reshaping the game — and it’s one of the more interesting quarters we’ve reviewed.

Dr Andrew Unterweger walks through the Cotality data, a full state-by-state breakdown, the negative gearing flowchart, and why South East Queensland and the 2032 Olympics build-out remain the standout opportunity.

🎥 Watch the full review: https://youtu.be/CQax50POw2s

General information only, not personal advice.

Will the RBA hike again, and how far could property prices actually...

25/09/2026

The September Quarterly Review is out. 🎥

Andrew's take on what's happened to Australian property in the four months since the May budget:

• Why he expects another rate rise, and what that means before you fix
• Rental yields at their highest since 2019
• 40 years of downturns, and how long they usually last
• Why Southeast Queensland keeps coming up in our research

Full review on YouTube — link in bio.

General information only, not personal financial advice.

23/07/2026

Negative gearing is changing—and Australian property investors may need to rethink the numbers.

Under the new reforms, eligible new residential builds will continue to receive traditional negative-gearing treatment. However, investors purchasing established residential property after the relevant commencement date will generally no longer be able to offset rental losses against employment income.

Instead, those losses may be quarantined and used against future residential investment income or eligible capital gains.

Does this mean property is no longer a good investment? Not at all.

A sound property strategy should still consider location, rental demand, land value, cash flow, borrowing costs and long-term growth—not just tax deductions.

The key takeaway:
Tax benefits should support an investment strategy, not drive it.

Read the full article: 🔗https://thewiseguru.com/negative-gearing-has-changed-in-australia/

Negative Gearing Has Changed in Australia: Is Property Still the Best Investment? For decades, negative gearing has been one of the biggest tax incentives Proposed CGT discount changes could reshape Australia’s rental market. Here’s how it may affect investors, rental supply, and rent prices.

01/07/2026

New financial year, new rules — and a few of them could put more money in your pocket. Even from overseas. 🌏💼

Today, 1 July, kicks off the 2026–27 financial year, and some of the biggest super and tax changes in years take effect from this morning. Here's what actually matters if you're an Aussie living abroad:

💰 Bigger super contribution caps — you can now add up to $32,500 before tax and $130,000 after tax each year. More room to grow your retirement savings, even from Singapore, Hong Kong or Dubai.

📈 Transfer balance cap lifts to $2.1m — meaning more of your super can move into a tax-free retirement pension when the time comes.

⏱️ Payday super is here — employers must now pay your super within 7 days of each pay run. If you're still employed in Australia or have staff there, this affects you.

✂️ A tax cut — the 16% bracket drops to 15%, leaving a little extra in every pay.

(And if your super balance tops $3m, the new Division 296 tax now applies — yes, even while you're living overseas. Worth a chat.)

These changes are a great reason to check your Australian plan is still working as hard as you are — wherever you are in the world.

Want to know what they mean for you? Link in bio or DM us for a free, no-pressure consultation. 👋

09/06/2026

Big changes are happening across the Australian property and finance market.
In my latest video, I break down the key updates property owners, investors and buyers need to know — including the latest market data, interest rate pressure, NSW housing updates and Budget changes affecting property investors.
Whether you own property, are planning to buy, or are watching the market closely, these changes could shape the next phase of Australian real estate.
Watch the full video for the breakdown.. link in bio ☝️