property-investment-fundamentals

Stamp duty (also called transfer duty) is a state government tax levied on the purchase price of a property at the time of transfer. It is paid by the buyer

Borrowing capacity for an investment property is determined by a lender’s serviceability assessment — a calculation that tests whether the borrower’s income is sufficient to cover the proposed loan repayments

Land tax is a state and territory government tax levied annually on the total unimproved value of taxable land held by an individual, company, or trust above a threshold. It

An interest-only investment loan requires the borrower to pay only the interest component of the loan for a set period — typically 1 to 5 years — without reducing the

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

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

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

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,

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

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 —