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Plain-English takes on what's actually happening in Australian property, SMSF, cash flow, equity release, NDIS, market structure. Written by people who do this work daily, not by content marketers.
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Business real property LRBAs survive the ban, commercial is the only SMSF property you can still borrow to buy
From 10 August 2026, SMSFs can no longer borrow to buy residential property. But commercial property, if it qualifies as business real property, is a different story.
Read article →New builds fully exempt from the negative gearing overhaul, keep loss offsets and the 50% CGT discount
The 2026 Budget changed the rules for established property investors, but new builds sit completely outside those changes. Here is what the exemption actually covers.
Read article →SMSF residential borrowing ban now in force, new LRBAs on residential property banned from 10 August 2026
The law changed. From 10 August 2026, SMSFs can no longer take out a new LRBA to buy residential property. Here is what the rules now look like and what paths remain open.
Read article →Existing SMSF residential loans grandfathered, refinancing still permitted, no forced sales
The ban on new SMSF residential LRBAs is now law, but if your fund already holds a residential property loan, the rules as they currently stand protect your arrangement in full.
Read article →Brokers tip a decisive shift of SMSF lending into commercial as residential lending closes
The residential LRBA door closed on 10 August 2026. Here is what that means for SMSF trustees and why commercial property is now drawing serious attention.
Read article →First home buyers stop juggling rent and a mortgage at the same time through the build
Paying rent while your new home is being built is one of the biggest financial pinch points for first home buyers. Here is how the numbers actually stack up, and what the current government schemes let you do about it.
Read article →What a 5% Deposit Actually Buys in 2026: The Numbers Behind the Price Caps
The 5% deposit scheme has no place limits and no income test, and the Sydney cap sits at $1.5 million. Here is what buying at that cap actually costs each month.
Read article →Cash, Unit Trust or Commercial: Three Ways an SMSF Can Still Hold Property
The residential borrowing ban closed one door, not the building. Here are the three routes trustees are actually using now, and the trade offs attached to each.
Read article →Division 296 Starts 1 July 2026: Four Checks for a Property-Heavy SMSF
The $3 million super tax applies from 1 July 2026 and first bites on 2026-27 earnings. Funds whose main asset is a house have four specific things to check.
Read article →Indexation vs the 50% Discount: Worked Numbers on a Post-2027 Sale
Whether the new capital gains rules cost you money depends almost entirely on inflation. Here are the same two properties run under both systems, with the numbers shown.
Read article →What Actually Counts as a New Build Under the 2027 Rules
The entire reform turns on the phrase new residential dwelling, and that phrase is still being defined by legislative instrument. Here is what is expected to qualify and what will not.
Read article →Quarantined Losses: What Happens to Rental Deductions on Anything Bought After 12 May 2026
The reform did not abolish negative gearing. It quarantined it. From 1 July 2027, losses on established property bought after 12 May 2026 can no longer offset your salary.
Read article →The 2026-27 Stamp Duty Map: Where First Home Buyers Now Pay Nothing
The ACT has removed stamp duty for eligible first home buyers entirely, Tasmania has closed its established home exemption, and every state grant is now new builds only. Here is the current map.
Read article →Help to Buy or the 5% Deposit Guarantee: Which One Leaves You Better Off
One scheme cuts your repayment by giving the government a slice of your home. The other keeps every dollar of growth and costs more each month. Here is the trade off in numbers.
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