An SMSF — Self-Managed Super Fund — is a private superannuation fund that gives members direct control over how their retirement savings are invested. SMSFs are regulated by the Australian Taxation Office and must comply with superannuation law. Can an SMSF invest in property? Yes. An SMSF can invest in residential or commercial investment property, …
Property depreciation is a non-cash tax deduction that allows investment property owners to claim the decline in value of the building structure and its fixtures and fittings against their taxable income. It is one of the most underutilised tax benefits available to Australian property investors. Two types of depreciation: Division 43 — Capital Works. The …
Rental yield measures the annual rental income generated by an investment property as a percentage of its value. It is one of the most important metrics for comparing investment property performance across different markets and property types. Gross rental yield = (Annual Rent ÷ Property Value) × 100 Example: A property worth $600,000 generating $580 …
A property investment strategy is a structured plan that aligns your property acquisitions with specific financial goals — income generation, wealth accumulation, tax minimisation, or retirement funding. Without a strategy, property purchases tend to be reactive, influenced by market commentary, and disconnected from the investor’s actual financial position. Step 1: Assess your financial position. Document …
Capital gains tax (CGT) applies when an investment property is sold for more than its cost base. In Australia, the gain is included in the investor’s assessable income and taxed at their marginal rate — but individuals and trusts who hold the property for more than 12 months qualify for a 50% CGT discount. Calculating …
Negative gearing in Australia occurs when the costs of owning an investment property exceed the rental income it generates. The resulting loss — the difference between income and expenses — can be deducted from the investor’s other assessable income, reducing their overall tax liability. Eligible costs. Tax-deductible costs on a negatively geared investment property include …
Managing referral partner relationships in financial services requires a CRM that can track contact status, pipeline stage, communication history, and conversion metrics across multiple partner types simultaneously. Key features to look for: Pipeline management. The ability to create custom stages (e.g. Prospect → Contacted → Meeting Booked → Accredited → Active Partner → First Referral …
In Australian financial services, the terms referral fee and commission describe different types of payments with different regulatory implications. Referral fee. A referral fee is paid to a professional for introducing a client to a service provider — without providing any advice or service to the client beyond the introduction. The referring professional does not …
Insurance brokers frequently work with clients who are property owners — landlords, investors, and homeowners who also have lending needs. A referral arrangement with a licensed mortgage broker creates a natural, low-effort additional income stream from the existing client base. Property investor clients. Clients who own investment properties require landlord insurance — a core product …
ASIC’s regulatory guidance on referral fees in financial services distinguishes between referrals for credit products (mortgages) and referrals for financial products (investments, superannuation, insurance advice). Credit referrals (mortgages). Under the National Consumer Credit Protection Act, making a referral to a licensed broker is not itself a credit activity and does not require an Australian Credit …
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The Australian investment property market has long relied on the favourable tax implications of negative gearing. In light of the highly publicised 2026 Federal Budget announcement, it appears that this investment property strategy requires investors to reconsider their approach to new investments. Far from bringing an end to property investment, we think it is a …
An investment property buyers agent is a licensed professional who sources, analyses, and negotiates property purchases on behalf of the buyer, working exclusively for you rather than the vendor. Here is what that actually means day to day: If you have been wondering whether an investment buyers agent is worth the fee, what follows covers …
Property investment calculators give you the numbers behind the decisions before you make them, but not every calculator is relevant to every investor at every stage. Here is what actually matters: The right calculator used at the wrong stage gives you numbers that feel useful but are not. What follows explains which property investment calculators …
Capital gains is the profit you make when you sell an investment property for more than you paid for it, and in Australia it is added to your taxable income for the year of sale and taxed at your marginal rate. Here is what the process involves: Understanding how to calculate capital gains on investment …
