What’s the Best Way to Get a Pre-Approval: And Why It Matters If you’re planning to buy a property—whether it’s your first home or an investment—pre-approval is one of the most important early steps. It gives you a clear idea of your borrowing power and helps you move quickly and confidently when the right opportunity comes along. But not all pre-approvals are created equal. If you approach it the wrong way, you could risk delays, missed opportunities, or even loan rejection

Do You Pay Capital Gains Tax When Selling Your Home? When selling a property, one of the biggest questions homeowners ask is whether they’ll be required to pay Capital Gains Tax (CGT). Fortunately, many Australian homeowners are fully exempt—thanks to the main residence exemption. However, this isn’t always the case. Whether you’ve lived in the property the whole time or rented it out for a short period, it’s important to understand how CGT works, when it applies, and how to

For many Australians and foreign investors living or investing in Australia, a home loan is more than just debt. It’s the financial backbone of their lifestyle, wealth-building, and even retirement strategy. Yet despite its importance, most borrowers set their mortgage on autopilot, rarely questioning whether their loan still serves them.  That’s where refinancing comes in. Done strategically, refinancing can reduce costs, improve flexibility, and even accelerate property por

The Role of Mortgage Brokers and Conveyancers in Property Investment Navigating a property investment journey involves more than just choosing the right property. From finance approval to legal settlement, there are several moving parts—and having the right professionals in your corner can make all the difference. Two of the most important experts in the process are mortgage brokers and conveyancers . While they serve different functions, both play essential roles in ensurin

If you own investment property, the weeks leading up to June 30 are more than just admin time. This is your opportunity to tidy things up, make a few smart moves — and potentially save thousands. For many investors, a few overlooked actions each year can mean missing out on deductions, paying more tax than necessary, or failing to plan the next step well.

How to Avoid a Cash Flow Crunch as Your Property Portfolio Grows Growing your property portfolio can be one of the most effective ways to build long-term wealth. But as the number of properties increases, so does your financial responsibility—and if cash flow isn’t managed well, even high-growth assets can become liabilities. Loan repayments, vacancies, maintenance, insurance, and management costs can all chip away at profitability. Without a clear strategy, investors risk fa

What is Depreciation and How Can It Benefit Property Investors? Depreciation is one of the most valuable yet often overlooked tools available to property investors. It allows you to claim a tax deduction for the gradual wear and tear of your property and its fittings—reducing your taxable income and boosting your cash flow. While depreciation benefits vary depending on the age and condition of the property, understanding how it works can help you structure your investments mo

Fixed vs Variable Loans: How Your Interest Rate Choice Affects Property Investment When building a property portfolio, the structure of your loan can be just as important as the property itself. One of the key decisions investors face is whether to choose a fixed or variable interest rate—or a mix of both. While your mortgage broker will ultimately guide the lending process, understanding how interest rate types impact cash flow, borrowing flexibility, and long-term growth is

Equity vs. Savings: What’s the Smartest Way to Fund Your Next Investment Property? When it comes to growing your property portfolio, how you fund your next purchase is just as important as what you buy. Many investors face a key decision: should you use your personal savings, or unlock equity from an existing property? Both options can work—but the right choice depends on your financial position, investment goals, and risk tolerance. While savings involve building capital ove

Principal & Interest vs Interest-Only Loans: What’s Better for Property Investors? When structuring a property loan, one of the most important choices an investor faces is deciding between a Principal & Interest (P&I) loan or an Interest-Only (IO) loan. Each option affects cash flow, tax benefits, borrowing power, and long-term portfolio growth. Neither is inherently better—it all comes down to your investment strategy and financial position. Here’s how both loan types wor