Property and lending
Capital gains tax for property investors
How capital gains tax works when you sell an investment property, including the 50% discount, what goes into your cost base, how depreciation affects the gain, timing, losses, and selling a former home.
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Property and lending
Rental property repairs, maintenance or improvements: what you can claim
How to tell whether rental property work is a repair, maintenance, an improvement or an initial repair, with examples of each, and how each one is treated for tax.
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Property and lending
The main residence exemption from capital gains tax
When your home is exempt from capital gains tax, how the six-year absence rule works if you rent it out, what happens if you run a business from home, and the rules for foreign residents.
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Property and lending
Commercial vs residential property: which suits you?
How commercial and residential investment property compare on yield, leases, vacancy risk, lending, GST, tax and liquidity, and which might suit your situation.
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Property and lending
Selling property? Get a clearance certificate or lose 15% at settlement
How foreign resident capital gains withholding works when you sell property in Australia, why Australian residents need an ATO clearance certificate on every sale, and how to apply in time.
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Property and lending
Depreciation on investment property: new vs established
What depreciation you can claim on a new or an established investment property, how the 2017 changes to second-hand fixtures work, capital works deductions, and whether a depreciation schedule is worth it.
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Property and lending
First home buyers: how much deposit you need and how to get there
How much deposit a first home buyer in NSW needs, how to avoid lenders mortgage insurance, the government schemes and concessions available, and practical ways to save faster.
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Property and lending
Understanding different types of home loans
Variable, fixed and split loans, principal and interest versus interest-only, offset accounts, redraw and construction loans, explained in plain English so you can choose the right mortgage.
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Property and lending
Granny flats: the tax for family use and rentals
The tax treatment of a granny flat, whether it's for family or rented out, including rental income and deductions, the capital gains tax exemption for family granny flat arrangements, GST, depreciation and land tax.
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Property and lending
Buying your first investment property
A practical checklist for buying your first investment property, including whether you're ready, how much you can borrow, choosing the property, ownership structure, loan setup, the numbers and the tax.
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Property and lending
Negative gearing explained
How negative gearing works, a worked example using 2026–27 tax rates, what you can and can't claim on a rental property, and the risks to weigh before you rely on it.
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Property and lending
Paying down debt: a plan that works
How to get on top of personal debt, from credit cards and buy now pay later to car loans and the mortgage, including which debts to pay first, consolidation, offset accounts and where to get free help.
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