The Hype Around Private Credit
The investment story of 2025 may already belong to private credit. You’ve probably heard about it – from your adviser, stockbroker, neighbour, or simply from its domination of AFR headlines. There’s a long history of irrational exuberance for particular asset classes, and it rarely ends well. Bitcoin notwithstanding. Of course, there’s more nuance to the […]
Guide to the First Home Super Saver Scheme (FHSSS)
An often-misunderstood strategy, the First Home Super Saver Scheme (FHSSS) allows a first home buyer to utilise some of the tax benefits of superannuation to help with their property purchase. In reality, the FHSSS is mostly a tax strategy. It’s up to the individual whether it’s useful for their property plans or not. It can […]
SMSF Strategy: Buying Your Own Commercial Property
Self-Managed Super Funds (SMSFs) are a popular choice for investing in property, thanks to their lower tax rate of 15%. This tax advantage is particularly appealing for commercial properties, which often deliver higher yields than residential properties. However, these higher yields reflect the increased risks associated with commercial property, such as elevated vacancy rates and […]
Redraw Facility vs Offset Account
While both options reduce the interest on your loan, the similarities stop there. Offset accounts and redraw facilities operate very differently from one another and using the wrong one can have serious consequences. Many in the finance space will use these terms interchangeably and suggest that there is little difference between using one instead of […]
Buying Property to Save Tax: Depreciation
Depreciation schedules are a key marketing tool for property developers, often highlighted to attract buyers seeking significant tax deductions. The appeal is clear: compared to established properties, new properties often offer thousands of dollars in additional tax benefits each year, thanks to higher depreciation rates. For investors, this can seem like an opportunity to reduce […]
The Investment Property Trap
It’s rare for a first home to become your forever home, especially in today’s property market. Most buyers treat their first home as a stepping stone toward their dream home—whether it’s a small apartment in the city or a place in a less than ideal suburb. For many first-time homebuyers, this approach makes sense and […]
