Posts
Novated lease vs cash purchase: the real math
EV novated leases can beat cash purchase by $10,000+ after FBT exemption. Petrol cars rarely do.
13 December 2025
Stamp duty in NSW: the $800k first-home threshold
Full exemption to $800k, partial concession to $1M. The duty savings and what it means for your suburb shortlist.
12 December 2025
Why your bank rejected you - and who will still say yes
Five common reasons your own bank declined, and which lender policies are more forgiving of each one.
11 December 2025
Working-from-home deductions: the 67c fixed-rate method
ATO's 67c per hour method now covers most home-office claims. What it includes and when actual-cost still wins.
10 December 2025
Subclass 491 Regional Skilled: who qualifies
Regional definition, pathway to PR via 191, and how the lower points threshold changes the value proposition.
7 December 2025
Big four vs mortgage broker: who actually gets better rates in 2026
A side-by-side look at big-bank branch pricing vs what a broker can negotiate on the same file in April 2026.
6 December 2025
Trust structures for property investors
Discretionary, unit, hybrid - the three flavours, their tax effects and the lender implications.
5 December 2025
Conditional vs Unconditional Offers: Australian Property Contracts 2026
Finance and building-inspection conditions are your out clauses. Waive them unconditionally and you're exposed.
4 December 2025
Private treaty vs auction: which gets sellers a better price
The data from NSW and Victoria over the past three years, plus the buyer's perspective on each format.
2 December 2025
SMSF property loans under an LRBA
Limited Recourse Borrowing Arrangements are the only legal way a self-managed super fund can borrow to buy property. The rules and the lenders.
1 December 2025