Property Planning Australia

10/06/2026

𝗪𝗵𝗮𝘁 𝗶𝗳 𝘁𝗵𝗲 𝗯𝗶𝗴𝗴𝗲𝘀𝘁 𝗕𝘂𝗱𝗴𝗲𝘁 𝗰𝗵𝗮𝗻𝗴𝗲 𝗶𝘀𝗻’𝘁 𝘁𝗵𝗲 𝘁𝗮𝘅 𝗿𝘂𝗹𝗲 𝗶𝘁𝘀𝗲𝗹𝗳, 𝗯𝘂𝘁 𝘁𝗵𝗲 $𝟯𝟬 𝘁𝗿𝗶𝗹𝗹𝗶𝗼𝗻 𝘄𝗲𝗮𝗹𝘁𝗵 𝗴𝗮𝗽 𝗶𝘁 𝗰𝗼𝘂𝗹𝗱 𝗰𝗿𝗲𝗮𝘁𝗲?

Labor’s 2026 Budget has proposed major changes to negative gearing and CGT, and the impact could be much bigger than the headlines suggest.

On paper, Treasury says property price growth may only reduce by around 2% per annum.

But over 30 years, that 2% difference means an $800,000 property grows to around $2.6 million instead of $4.6 million.

Scaled across Australia’s residential property market, that could represent a $30 trillion wealth gap.

That is a very different future for homeowners, investors, renters and retirees.

In our latest blog, we break down:

✅ What is changing with negative gearing

✅ What happens to established investment properties

✅ Why new builds may not automatically be the better option

✅ How renters could be affected

✅ Why strategy matters more than ever

𝗧𝗵𝗲 𝗵𝗲𝗮𝗱𝗹𝗶𝗻𝗲𝘀 𝗮𝗿𝗲 𝘀𝗶𝗺𝗽𝗹𝗲. 𝗧𝗵𝗲 𝗿𝗲𝗮𝗹 𝗶𝗺𝗽𝗮𝗰𝘁 𝗶𝘀 𝗻𝗼𝘁.

Before you make your next property move, understand what these changes could mean for your long-term wealth strategy.

🔗 𝗟𝗶𝗻𝗸 𝘁𝗼 𝘁𝗵𝗲 𝗯𝗹𝗼𝗴 𝗶𝗻 𝘁𝗵𝗲 𝗳𝗶𝗿𝘀𝘁 𝗰𝗼𝗺𝗺𝗲𝗻𝘁 𝗯𝗲𝗹𝗼𝘄

The 2026 Federal Budget proposes the biggest changes to property taxation in a generation. Some of the proposed reforms are significant, while others have been overstated. But the strategic implications differ depending on whether you're buying your first home, growing an investment portfolio, or re...

09/06/2026

𝗬𝗼𝘂𝗿 𝗯𝗮𝗻𝗸 𝗽𝗿𝗼𝗯𝗮𝗯𝗹𝘆 𝗶𝘀𝗻’𝘁 𝗴𝗼𝗶𝗻𝗴 𝘁𝗼 𝗰𝗮𝗹𝗹 𝘆𝗼𝘂 𝗮𝗻𝗱 𝘀𝗮𝘆, “𝗚𝗼𝗼𝗱 𝗻𝗲𝘄𝘀, 𝘄𝗲’𝗱 𝗹𝗶𝗸𝗲 𝘁𝗼 𝗺𝗮𝗸𝗲 𝗹𝗲𝘀𝘀 𝗺𝗼𝗻𝗲𝘆 𝗳𝗿𝗼𝗺 𝘆𝗼𝘂.” 📞😮

That’s why reviewing your home loan matters.

In this episode of The Property Trio podcast, we unpack how borrowers can save money on their home loan, especially after recent rate rises and tighter household cash flow.

Since February, rates have increased by 0.75%.

For the average $740,000 loan, that’s roughly $462 more per month in interest.

For a $1 million loan, it’s about $625 more per month. 💸

That’s real money coming out of household cash flow.

In this episode, we cover:

✅ Why your current lender may not be giving you their best rate
✅ How to negotiate with your bank’s retention team
✅ Why the cheapest advertised rate is not always the best option
✅ When refinancing may make sense
✅ How to make your offset accounts work harder, so you’re not leaving money on the table
✅ Why loan structure matters just as much as rate

The big takeaway? 👇

Don’t just chase the lowest rate on a screen.

𝗬𝗼𝘂𝗿 𝗺𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝘀𝘁𝗿𝗮𝘁𝗲𝗴𝘆 𝘀𝗵𝗼𝘂𝗹𝗱 𝗰𝗼𝗻𝘀𝗶𝗱𝗲𝗿 𝘆𝗼𝘂𝗿 𝗰𝗮𝘀𝗵 𝗳𝗹𝗼𝘄, 𝘁𝗮𝘅 𝗽𝗼𝘀𝗶𝘁𝗶𝗼𝗻, 𝗼𝗳𝗳𝘀𝗲𝘁 𝘀𝘁𝗿𝘂𝗰𝘁𝘂𝗿𝗲, 𝗴𝗼𝗮𝗹𝘀 𝗮𝗻𝗱 𝗹𝗼𝗻𝗴-𝘁𝗲𝗿𝗺 𝗽𝗿𝗼𝗽𝗲𝗿𝘁𝘆 𝗽𝗹𝗮𝗻𝘀.

Join Cate Bakos Property, Mike Mortlock and David Johnston in Property Trio episode:

🎧 #𝟯𝟲𝟱: 𝗥𝗲𝘃𝗶𝗲𝘄𝗶𝗻𝗴 𝗬𝗼𝘂𝗿 𝗛𝗼𝗺𝗲 𝗟𝗼𝗮𝗻 - 𝗡𝗲𝗴𝗼𝘁𝗶𝗮𝘁𝗶𝗻𝗴 𝗜𝗻𝘁𝗲𝗿𝗲𝘀𝘁 𝗥𝗮𝘁𝗲𝘀 𝗟𝗶𝗸𝗲 𝗮 𝗣𝗿𝗼, 𝗢𝗳𝗳𝘀𝗲𝘁 𝗦𝘁𝗿𝗮𝘁𝗲𝗴𝘆 & 𝗥𝗲𝗳𝗶𝗻𝗮𝗻𝗰𝗶𝗻𝗴 𝗪𝗶𝘁𝗵𝗼𝘂𝘁 𝗥𝗲𝗴𝗿𝗲𝘁

🔗 Link to the episode in the first comment

05/06/2026

𝗪𝗵𝗮𝘁 𝗮 𝘄𝗲𝗲𝗸𝗲𝗻𝗱 𝗮𝘁 𝗧𝗲𝗺𝗽𝗹𝗲𝘀𝘁𝗼𝘄𝗲 𝗙𝗼𝗼𝘁𝗯𝗮𝗹𝗹 𝗖𝗹𝘂𝗯! 🟣🏉

Property Planning Australia is proud to be a 𝟮𝟬𝟮𝟲 𝗦𝗲𝗮𝘀𝗼𝗻 𝗦𝗽𝗼𝗻𝘀𝗼𝗿 of Templestowe Dockers Football Club

We were thrilled sponsor the 𝗣𝘂𝗿𝗽𝗹𝗲 𝗛𝗮𝘇𝗲 𝗖𝗼𝘁𝗲𝗿𝗶𝗲 𝗟𝘂𝗻𝗰𝗵𝗲𝗼𝗻, with 100 guests in attendance and our guest speaker, football legend 𝗧𝗲𝗿𝗿𝘆 𝗪𝗮𝗹𝗹𝗮𝗰𝗲.

Terry’s stories of his Hawthorn Premiership days and coaching the Bulldogs, Tigers and almost the Swans were outstanding.

We were also pleased to have 𝗖𝗼𝘂𝗻𝗰𝗶𝗹𝗹𝗼𝗿 𝗝𝗶𝗺 𝗚𝗿𝗶𝘃𝗮𝘀, 𝗠𝗮𝘆𝗼𝗿 𝗼𝗳 𝗠𝗮𝗻𝗻𝗶𝗻𝗴𝗵𝗮𝗺, in attendance on the day.

A special thanks to 𝗣𝗿𝗲𝘀𝗶𝗱𝗲𝗻𝘁 𝗚𝗿𝗲𝗴 𝗧𝗿𝗲𝗺𝗲𝘄𝗲𝗻 and 𝗩𝗶𝗰𝗲 𝗣𝗿𝗲𝘀𝗶𝗱𝗲𝗻𝘁 Ryan Bain, who is also part of our team at Propertyplanning.com.au.

And of course, thank you to our good friends and clients who joined us 𝗠𝗮𝘁𝘁 𝗠𝗰𝗖𝗿𝗼𝗵𝗮𝗻, 𝗠𝗮𝘁𝘁 𝗣𝘂𝗿𝗰𝗲𝗹𝗹 𝗮𝗻𝗱 𝗕𝗿𝗶𝗮𝗻 𝗕𝗮𝗶𝗻.

We’re proud to support a club with such strong community spirit and look forward to more great events ahead.

𝗚𝗼 𝗧𝗲𝗺𝗽𝗹𝗲𝘀𝘁𝗼𝘄𝗲! 🟣🏉

28/05/2026

🔥 𝗔𝗿𝗲 𝗳𝗶𝗿𝘀𝘁 𝗵𝗼𝗺𝗲 𝗯𝘂𝘆𝗲𝗿 𝗶𝗻𝗰𝗲𝗻𝘁𝗶𝘃𝗲𝘀 𝗮𝗰𝘁𝘂𝗮𝗹𝗹𝘆 𝗵𝗲𝗹𝗽𝗶𝗻𝗴 𝗯𝘂𝘆𝗲𝗿𝘀 𝗼𝗿 𝗷𝘂𝘀𝘁 𝗺𝗮𝗸𝗶𝗻𝗴 𝗽𝗿𝗼𝗽𝗲𝗿𝘁𝘆 𝗺𝗼𝗿𝗲 𝗲𝘅𝗽𝗲𝗻𝘀𝗶𝘃𝗲?

First home buyer incentives can look like a leg-up.

Lower deposit hurdles.

More support.

A faster path into the market.

But when more buyers are given the ability to compete for the same limited number of homes, prices can move quickly, especially as has been happening in the lower price brackets.

That means the very policies designed to improve affordability have been heating up the market instead.

𝗦𝘆𝗱𝗻𝗲𝘆’𝘀 𝗹𝗼𝘄𝗲𝗿 𝗾𝘂𝗮𝗿𝘁𝗶𝗹𝗲 𝗶𝘀 𝘀𝘁𝗶𝗹𝗹 𝗴𝗿𝗼𝘄𝗶𝗻𝗴 𝗮𝘁 𝟭.𝟱% 𝗽𝗲𝗿 𝗾𝘂𝗮𝗿𝘁𝗲𝗿, 𝘄𝗵𝗶𝗹𝗲 𝘁𝗵𝗲 𝘂𝗽𝗽𝗲𝗿 𝗾𝘂𝗮𝗿𝘁𝗶𝗹𝗲 𝗶𝘀 𝗿𝗲𝘁𝗿𝗮𝗰𝘁𝗶𝗻𝗴 𝗮𝘁 –𝟮.𝟳%

It also helps explain why Sydney and Melbourne can have flat median price growth while still seeing strength in the lower price brackets where most people are competing.

These cities have a much higher proportion of properties priced well beyond most first home buyers.

This also reflects why we are seeing faster price growth in the mid-tier cities who have less properties in the upper echelon, so their ‘median’ value is moving faster.

𝗧𝗵𝗲 𝗔𝘂𝘀𝘁𝗿𝗮𝗹𝗶𝗮𝗻 𝗚𝗼𝘃𝗲𝗿𝗻𝗺𝗲𝗻𝘁 𝟱% 𝗗𝗲𝗽𝗼𝘀𝗶𝘁 𝗦𝗰𝗵𝗲𝗺𝗲 𝗶𝘀 𝗮 𝗽𝗲𝗿𝗳𝗲𝗰𝘁 𝗲𝘅𝗮𝗺𝗽𝗹𝗲 𝗼𝗳 𝗮 𝘀𝘁𝗶𝗺𝘂𝗹𝘂𝘀 𝘁𝗼 𝗽𝗿𝗼𝗽𝗲𝗿𝘁𝘆 𝗽𝗿𝗶𝗰𝗲𝘀 𝗱𝗿𝗶𝘃𝗶𝗻𝗴 𝘁𝗵𝗶𝘀 𝗴𝗿𝗼𝘄𝘁𝗵 𝗶𝗻 𝘁𝗵𝗲 𝗹𝗼𝘄𝗲𝗿 𝗾𝘂𝗮𝗿𝘁𝗶𝗹𝗲.

This scheme helps buyers get into the market with a smaller deposit, but it also gives more buyers the firepower to compete for the same stock alongside investors.

In a supply-constrained market, that does not magically create affordability - it creates more competition.

Since the Howard years, governments have tried to “fix” housing affordability by throwing grants, schemes and incentives at buyers, rather than solving 𝘁𝗵𝗲 𝗿𝗲𝗮𝗹 𝗶𝘀𝘀𝘂𝗲: 𝗻𝗼𝘁 𝗲𝗻𝗼𝘂𝗴𝗵 𝘀𝘂𝗽𝗽𝗹𝘆 𝘄𝗵𝗲𝗿𝗲 𝗽𝗲𝗼𝗽𝗹𝗲 𝘄𝗮𝗻𝘁 𝘁𝗼 𝗹𝗶𝘃𝗲.

𝗡𝗼𝘄, 𝗮𝗳𝘁𝗲𝗿 𝘆𝗲𝗮𝗿𝘀 𝗼𝗳 𝗱𝗲𝗺𝗮𝗻𝗱-𝘀𝗶𝗱𝗲 𝘀𝘁𝗶𝗺𝘂𝗹𝘂𝘀 𝗵𝗲𝗹𝗽𝗶𝗻𝗴 𝗽𝘂𝘀𝗵 𝗽𝗿𝗶𝗰𝗲𝘀 𝗵𝗶𝗴𝗵𝗲𝗿, 𝗶𝗻𝘃𝗲𝘀𝘁𝗼𝗿𝘀 𝗮𝗻𝗱 𝘁𝗵𝗼𝘀𝗲 𝘄𝗶𝘁𝗵 𝗮𝘀𝗽𝗶𝗿𝗮𝘁𝗶𝗼𝗻 𝗮𝗿𝗲 𝗯𝗲𝗶𝗻𝗴 𝗯𝗹𝗮𝗺𝗲𝗱 𝗮𝗻𝗱 𝘁𝗮𝘅𝗲𝗱 𝗳𝗼𝗿 𝗮 𝗽𝗿𝗼𝗯𝗹𝗲𝗺 𝗴𝗼𝘃𝗲𝗿𝗻𝗺𝗲𝗻𝘁 𝗽𝗼𝗹𝗶𝗰𝘆 𝗵𝗲𝗹𝗽𝗲𝗱 𝗰𝗿𝗲𝗮𝘁𝗲.

Join Cate Bakos, Mike Mortlock and David Johnston in Property Trio episode:

🎧 #𝟯𝟲𝟭: 𝗔𝗿𝗲 𝗚𝗼𝘃𝗲𝗿𝗻𝗺𝗲𝗻𝘁 𝗣𝗿𝗼𝗽𝗲𝗿𝘁𝘆 𝗜𝗻𝗰𝗲𝗻𝘁𝗶𝘃𝗲𝘀 𝗛𝗲𝗹𝗽𝗶𝗻𝗴 𝗕𝘂𝘆𝗲𝗿𝘀 𝗼𝗿 𝗛𝗲𝗮𝘁𝗶𝗻𝗴 𝘁𝗵𝗲 𝗠𝗮𝗿𝗸𝗲𝘁?

🔗 Link to the episode in the first comment

27/05/2026

“𝗧𝗵𝗲 𝗯𝗶𝗴𝗴𝗲𝘀𝘁 𝗶𝗻𝘃𝗲𝘀𝘁𝗺𝗲𝗻𝘁 𝘁𝗵𝗮𝘁 𝘁𝗵𝗲 𝗺𝗮𝗷𝗼𝗿𝗶𝘁𝘆 𝗼𝗳 𝗔𝘂𝘀𝘁𝗿𝗮𝗹𝗶𝗮𝗻𝘀 𝗲𝘃𝗲𝗿 𝗺𝗮𝗸𝗲 𝗮𝗻𝗱 𝘁𝗵𝗲 𝗯𝗶𝗴𝗴𝗲𝘀𝘁 𝗵𝗼𝗽𝗲 𝘁𝗵𝗲𝘆 𝗲𝘃𝗲𝗿 𝗵𝗮𝘃𝗲, 𝗶𝘀 𝘁𝗼 𝘄𝗼𝗿𝗸 𝗵𝗮𝗿𝗱 𝗮𝗻𝗱 𝗯𝘂𝘆 𝗮 𝗵𝗼𝗺𝗲 𝗼𝗳 𝘁𝗵𝗲𝗶𝗿 𝗼𝘄𝗻.”

Anthony Albanese made this statement on 23 May 2026 to 1,000 Victorian Labor Party members, while defending Labor’s proposed negative gearing, CGT and trust tax changes.

The room responded with applause.

I sat with that for a moment.

Our Prime Minister, who has owned multiple investment properties and benefited from negative gearing and reduced CGT, 𝗽𝘂𝗯𝗹𝗶𝗰𝗹𝘆 𝗱𝗲𝗰𝗹𝗮𝗿𝗲𝗱 𝗵𝗲 𝗸𝗻𝗼𝘄𝘀 𝘁𝗵𝗲 𝗰𝗲𝗶𝗹𝗶𝗻𝗴 𝗼𝗳 𝗮𝗺𝗯𝗶𝘁𝗶𝗼𝗻 𝗮𝗻𝗱 𝗵𝗼𝗽𝗲 𝗳𝗼𝗿 ‘𝘁𝗵𝗲 𝗺𝗮𝗷𝗼𝗿𝗶𝘁𝘆 𝗼𝗳 𝗔𝘂𝘀𝘁𝗿𝗮𝗹𝗶𝗮𝗻𝘀’.

That's the summit he's mapped out for ‘the majority’ of Australians.

Nothing more.

No wonder Australia’s productivity is stagnant, the single biggest factor increasing a country's standard of living.

My son's teacher told him recently “𝘢𝘪𝘮 𝘧𝘰𝘳 𝘵𝘩𝘦 𝘴𝘵𝘢𝘳𝘴, 𝘪𝘧 𝘺𝘰𝘶 𝘧𝘢𝘭𝘭 𝘴𝘩𝘰𝘳𝘵, 𝘺𝘰𝘶’𝘭𝘭 𝘴𝘵𝘪𝘭𝘭 𝘦𝘯𝘥 𝘶𝘱 𝘧𝘢𝘳 𝘧𝘶𝘳𝘵𝘩𝘦𝘳 𝘢𝘩𝘦𝘢𝘥 𝘵𝘩𝘢𝘯 𝘪𝘧 𝘺𝘰𝘶’𝘥 𝘯𝘦𝘷𝘦𝘳 𝘴𝘦𝘵 𝘴𝘶𝘤𝘩 𝘢𝘯 𝘢𝘮𝘣𝘪𝘵𝘪𝘰𝘶𝘴 𝘨𝘰𝘢𝘭 𝘪𝘯 𝘵𝘩𝘦 𝘧𝘪𝘳𝘴𝘵 𝘱𝘭𝘢𝘤𝘦.”

That's what good leaders do.

They raise the ceiling, even if something doesn't seem possible or realistic.

Inspiring people to push beyond what they once believed was possible.

They don’t place a ceiling on someone’s ambition or potential.

There's a word for assuming you know the limits of what millions of people can achieve, and it's not leadership.

That word could be ‘cynicism’, or ‘elitism’, believing a select group should determine what others can achieve.

Did he mean to say it, or more importantly, did he truly believe and mean what he said?

I don’t know.

But the room clapped anyway at this statement.

Which tells you something, too.

𝗜𝘀 𝘀𝗲𝘁𝘁𝗶𝗻𝗴 𝗮 𝗰𝗲𝗶𝗹𝗶𝗻𝗴 𝗳𝗼𝗿 𝗽𝗲𝗼𝗽𝗹𝗲'𝘀 𝗮𝗺𝗯𝗶𝘁𝗶𝗼𝗻𝘀 𝗶𝗻𝘀𝗽𝗶𝗿𝗶𝗻𝗴 𝗹𝗲𝗮𝗱𝗲𝗿𝘀𝗵𝗶𝗽 𝗳𝗼𝗿 𝗮 𝗴𝗿𝗲𝗮𝘁 𝗰𝗼𝘂𝗻𝘁𝗿𝘆 𝗹𝗶𝗸𝗲 𝗼𝘂𝗿𝘀?

26/05/2026

𝗪𝗶𝘁𝗵 𝘁𝗵𝗲 𝗴𝗼𝘃𝗲𝗿𝗻𝗺𝗲𝗻𝘁'𝘀 𝗕𝘂𝗱𝗴𝗲𝘁 𝗺𝗶𝗸𝗲-𝗱𝗿𝗼𝗽, 𝘁𝗵𝗲 𝗯𝗶𝗴𝗴𝗲𝘀𝘁 𝗾𝘂𝗲𝘀𝘁𝗶𝗼𝗻 𝗶𝘀 𝘄𝗵𝗮𝘁 𝗵𝗮𝗽𝗽𝗲𝗻𝘀 𝗻𝗲𝘅𝘁?

Rents are still rising, listings are falling, investors are reassessing and the proposed tax changes are already showing signs of pushing many buyers into pause mode while they wait for the dust to settle.

In this month’s Property Trio podcast market update we take a look at:

⚖️ The two-speed market, where lower price points have been flying, fuelled by investor demand and first home buyer stimulus, while the upper end remains flat.

🏘️ Why investor-led growth markets could become more uneven in the short term if demand shifts away from lower-priced established homes while buyers digest the changes.

💸 The rental squeeze, with national rents up 5.7% annually, and that’s before more investors drop out of the market due to the proposed tax changes.

😬 Why consumer sentiment has taken a hit, with “time to buy a dwelling” down 16.1% for the month and 20% annually.

🔥 And why established property, tight supply and investor behaviour could shape the next phase of the market.

𝗜𝗳 𝘆𝗼𝘂’𝗿𝗲 𝗯𝘂𝘆𝗶𝗻𝗴, 𝗶𝗻𝘃𝗲𝘀𝘁𝗶𝗻𝗴 𝗼𝗿 𝘁𝗿𝘆𝗶𝗻𝗴 𝘁𝗼 𝗺𝗮𝗸𝗲 𝘀𝗲𝗻𝘀𝗲 𝗼𝗳 𝘆𝗼𝘂𝗿 𝗻𝗲𝘅𝘁 𝗽𝗿𝗼𝗽𝗲𝗿𝘁𝘆 𝗺𝗼𝘃𝗲, 𝘁𝗵𝗶𝘀 𝗲𝗽𝗶𝘀𝗼𝗱𝗲 𝗶𝘀 𝗳𝗼𝗿 𝘆𝗼𝘂.

Join Cate Bakos Property, Mike Mortlock and David Johnston in Property Trio episode:

🎧 #𝟯𝟲𝟯: 𝗠𝗮𝗿𝗸𝗲𝘁 𝗨𝗽𝗱𝗮𝘁𝗲 𝗔𝗽𝗿𝗶𝗹 𝟮𝟬𝟮𝟲 - 𝗖𝗮𝗽𝗶𝘁𝗮𝗹 𝗖𝗶𝘁𝘆 𝗗𝗶𝘃𝗲𝗿𝗴𝗲𝗻𝗰𝗲 𝗪𝗶𝗱𝗲𝗻𝘀, 𝗜𝗻𝘃𝗲𝘀𝘁𝗼𝗿 𝗗𝗲𝗺𝗮𝗻𝗱 𝗪𝗼𝗯𝗯𝗹𝗲𝘀, 𝗥𝗲𝗻𝘁𝘀 𝗔𝗰𝗰𝗲𝗹𝗲𝗿𝗮𝘁𝗲 & 𝗕𝘂𝗱𝗴𝗲𝘁 𝗙𝗮𝗹𝗹𝗼𝘂𝘁 𝗕𝗲𝗴𝗶𝗻𝘀

🔗 Link to the episode in the first comment

22/05/2026

𝗜𝗿𝗼𝗻𝗶𝗰𝗮𝗹𝗹𝘆, 𝘁𝗵𝗲 𝗰𝗼𝗺𝗶𝗻𝗴 𝗺𝗼𝗻𝘁𝗵𝘀 𝗮𝗿𝗲 𝗹𝗶𝗸𝗲𝗹𝘆 𝘁𝗼 𝗽𝗿𝗼𝘃𝗲 𝘁𝗼 𝗯𝗲 𝘁𝗵𝗲 𝗯𝗲𝘀𝘁 𝘁𝗶𝗺𝗲 𝘁𝗼 𝗽𝘂𝗿𝗰𝗵𝗮𝘀𝗲 𝗲𝘀𝘁𝗮𝗯𝗹𝗶𝘀𝗵𝗲𝗱 𝗽𝗿𝗼𝗽𝗲𝗿𝘁𝘆.

It reminds us of when the COVID lockdowns began.

Most of us were very worried, but one client said “I want to buy 2 or 3 properties now. This is the opportunity I’ve been waiting for.”

In the first month after the lockdown panic, while many buyers froze and some investors rushed for the exits, he was negotiating purchases 𝟭𝟬% 𝘁𝗼 𝟭𝟱% 𝗯𝗲𝗹𝗼𝘄 𝗽𝗿𝗲𝘃𝗶𝗼𝘂𝘀 𝗺𝗮𝗿𝗸𝗲𝘁 𝘃𝗮𝗹𝘂𝗲𝘀.

Within 1 to 2 years, those properties were worth 30% to 50% more than the purchase price.

The proposed policy changes will create a similar dynamic.

Despite the proposed rules creating an incentive for both:

• existing investors with grandfathered negatively geared properties to hold onto them, and
• future buyers of established property to hold so they can utilise carried-forward losses

𝗦𝗼𝗺𝗲 𝗿𝗲𝘁𝗶𝗿𝗲𝗲𝘀 𝗮𝗻𝗱 𝗶𝗻𝘃𝗲𝘀𝘁𝗼𝗿𝘀 𝘄𝗶𝗹𝗹 𝘀𝗲𝗹𝗹 𝗯𝗲𝗳𝗼𝗿𝗲 𝘁𝗵𝗲 𝗽𝗿𝗼𝗽𝗼𝘀𝗲𝗱 𝗺𝗶𝗻𝗶𝗺𝘂𝗺 𝟯𝟬% 𝗖𝗚𝗧 𝗰𝗵𝗮𝗻𝗴𝗲𝘀 𝗰𝗼𝗺𝗲 𝗶𝗻𝘁𝗼 𝗲𝗳𝗳𝗲𝗰𝘁 𝗳𝗿𝗼𝗺 𝟭 𝗝𝘂𝗹𝘆 𝟮𝟬𝟮𝟳.

In other words, some people may sell quality assets when they absolutely shouldn’t.

𝗬𝗲𝘁 𝗲𝘀𝘁𝗮𝗯𝗹𝗶𝘀𝗵𝗲𝗱 𝗽𝗿𝗼𝗽𝗲𝗿𝘁𝘆 𝗵𝗮𝘀 𝗵𝗶𝘀𝘁𝗼𝗿𝗶𝗰𝗮𝗹𝗹𝘆 𝗯𝗲𝗲𝗻 𝘁𝗵𝗲 𝘀𝘁𝗿𝗼𝗻𝗴𝗲𝘀𝘁 𝗹𝗼𝗻𝗴-𝘁𝗲𝗿𝗺 𝗮𝘀𝘀𝗲𝘁 𝗰𝗹𝗮𝘀𝘀 𝗶𝗻 𝗽𝗿𝗼𝗽𝗲𝗿𝘁𝘆 𝗯𝗲𝗰𝗮𝘂𝘀𝗲:

• Established properties often have a higher land-to-asset ratio than new builds, and it’s typically the appreciates in value.
• The best locations in Australia have existing homes on them, and have for decades.
• Roughly two-thirds of buyers are owner-occupiers, not investors, and they mostly prefer established homes, and that deeper buyer pool matters.

There is already trepidation due to rate rises and the Iranian conflict.

Many investors are pressing pause and taking a “wait and see” approach.

𝗧𝗵𝗮𝘁 𝗺𝗲𝗮𝗻𝘀 𝗶𝗻𝘃𝗲𝘀𝘁𝗼𝗿𝘀 𝗮𝗻𝗱 𝗵𝗼𝗺𝗲 𝗯𝘂𝘆𝗲𝗿𝘀 𝘄𝗶𝗹𝗹𝗶𝗻𝗴 𝘁𝗼 𝗮𝗰𝘁 𝗻𝗼𝘄 𝘄𝗶𝗹𝗹 𝗵𝗮𝘃𝗲:

• 𝗟𝗲𝘀𝘀 𝗰𝗼𝗺𝗽𝗲𝘁𝗶𝘁𝗶𝗼𝗻
• 𝗠𝗼𝗿𝗲 𝗻𝗲𝗴𝗼𝘁𝗶𝗮𝘁𝗶𝗻𝗴 𝗽𝗼𝘄𝗲𝗿

We also expect rents to rise faster than the current national pace of almost 6%, which will push rental yields even higher.

Higher rental yields will be part of the shake out of this change via a combination of flattening all lower prices and rising rents.

The great paradox of property, and all investment markets, is this:

𝗧𝗵𝗲 𝗯𝗲𝘀𝘁 𝗯𝘂𝘆𝗶𝗻𝗴 𝗼𝗽𝗽𝗼𝗿𝘁𝘂𝗻𝗶𝘁𝗶𝗲𝘀 𝗼𝗳𝘁𝗲𝗻 𝗮𝗽𝗽𝗲𝗮𝗿 𝘄𝗵𝗲𝗻 𝗰𝗼𝗻𝗳𝗶𝗱𝗲𝗻𝗰𝗲 𝗶𝘀 𝗮𝘁 𝘁𝗵𝗲 𝗹𝗼𝘄𝗲𝘀𝘁.

Dips usually don’t last as long as growth cycles, which is why the best opportunities often go to those with the courage to take action and ‘Buy the dip’!

21/05/2026

𝗔 𝗹𝗼𝘁 𝗼𝗳 𝗽𝗲𝗼𝗽𝗹𝗲 𝘁𝗵𝗶𝗻𝗸 𝘁𝗵𝗮𝘁, 𝗶𝗳 𝘁𝗵𝗲 𝗽𝗿𝗼𝗽𝗼𝘀𝗲𝗱 𝗰𝗵𝗮𝗻𝗴𝗲𝘀 𝗰𝗼𝗺𝗲 𝗶𝗻 𝗳𝗿𝗼𝗺 𝟭 𝗝𝘂𝗹𝘆 𝟮𝟬𝟮𝟳, 𝘁𝗵𝗲 𝗮𝗯𝗶𝗹𝗶𝘁𝘆 𝘁𝗼 𝗰𝗹𝗮𝗶𝗺 𝗹𝗼𝘀𝘀𝗲𝘀 𝗼𝗻 𝗲𝘀𝘁𝗮𝗯𝗹𝗶𝘀𝗵𝗲𝗱 𝗿𝗲𝘀𝗶𝗱𝗲𝗻𝘁𝗶𝗮𝗹 𝗽𝗿𝗼𝗽𝗲𝗿𝘁𝘆 𝗶𝘀 𝘀𝗶𝗺𝗽𝗹𝘆 𝗴𝗼𝗻𝗲 𝗳𝗼𝗿 𝗴𝗼𝗼𝗱.

But that’s not quite right.

It doesn’t necessarily mean your losses are lost in the wind. 💨

With an established investment property, those losses may still be useful later.

They can potentially be:

✅ 𝗖𝗮𝗿𝗿𝗶𝗲𝗱 𝗳𝗼𝗿𝘄𝗮𝗿𝗱 𝗮𝗻𝗱 𝗼𝗳𝗳𝘀𝗲𝘁 𝗮𝗴𝗮𝗶𝗻𝘀𝘁 𝗳𝘂𝘁𝘂𝗿𝗲 𝗽𝗼𝘀𝗶𝘁𝗶𝘃𝗲 𝗿𝗲𝗻𝘁𝗮𝗹 𝗶𝗻𝗰𝗼𝗺𝗲, 𝗺𝗲𝗮𝗻𝗶𝗻𝗴 𝘆𝗼𝘂 𝗺𝗮𝘆 𝗽𝗮𝘆 𝗻𝗼 𝘁𝗮𝘅 𝗼𝗻 𝘁𝗵𝗮𝘁 𝗿𝗲𝗻𝘁𝗮𝗹 𝗶𝗻𝗰𝗼𝗺𝗲 𝗳𝗼𝗿 𝗮 𝗽𝗲𝗿𝗶𝗼𝗱 𝗼𝗳 𝘁𝗶𝗺𝗲 𝗱𝗼𝘄𝗻 𝘁𝗵𝗲 𝘁𝗿𝗮𝗰𝗸.

✅ 𝗢𝗳𝗳𝘀𝗲𝘁 𝗮𝗴𝗮𝗶𝗻𝘀𝘁 𝗳𝘂𝘁𝘂𝗿𝗲 𝗰𝗮𝗽𝗶𝘁𝗮𝗹 𝗴𝗮𝗶𝗻𝘀 𝘁𝗮𝘅 𝘄𝗵𝗲𝗻 𝘁𝗵𝗲 𝗽𝗿𝗼𝗽𝗲𝗿𝘁𝘆 𝗶𝘀 𝗲𝘃𝗲𝗻𝘁𝘂𝗮𝗹𝗹𝘆 𝘀𝗼𝗹𝗱. 💰

So, the key point is this:

The benefit may be delayed, but it’s not completely lost.

However, it does mean you need to be really clear on the cash flow outcomes, thankfully we have software to help you with that, as well as your risk management strategy and borrowing structure.

These need to be strong enough to help you absorb losses while the property expenses are greater than the rental income you receive, because the tax benefit will not arrive until later.

Which means a couple of things are EVEN MORE important...

🏠 𝗬𝗼𝘂 𝗠𝗨𝗦𝗧 𝗽𝘂𝗿𝗰𝗵𝗮𝘀𝗲 𝗮 𝗤𝗨𝗔𝗟𝗜𝗧𝗬 𝗔𝗦𝗦𝗘𝗧

𝗬𝗼𝘂 𝗺𝘂𝘀𝘁 𝗛𝗢𝗟𝗗 𝗶𝘁 𝗳𝗼𝗿 𝗮𝗻 𝗲𝘅𝘁𝗲𝗻𝗱𝗲𝗱 𝗽𝗲𝗿𝗶𝗼𝗱 𝘁𝗼 𝘂𝘁𝗶𝗹𝗶𝘀𝗲 𝘁𝗵𝗲 𝗰𝗮𝗿𝗿𝗶𝗲𝗱 𝗳𝗼𝗿𝘄𝗮𝗿𝗱 𝗹𝗼𝘀𝘀𝗲𝘀

If you’re wondering what the proposed changes mean for you in relation to your existing assets and future investment property plans, reach out to us at propertyplanning.com.au - https://www.propertyplanning.com.au/contact

We can help you understand what the changes may mean for your cash flow, borrowing capacity and long-term investment strategy supported by our purpose-built software.

Now, more than ever it’s important take stock, assess your current and future plans to ensure your Mortgage Strategy supports your broader Property Plan.

Get independent property planning advice today and speak to our strategic mortgage brokers about your next real estate investment

19/05/2026

Think the proposed negative gearing changes will make established property easier to buy? Think again.

The policy is designed to push investors toward new builds, but the unintended consequence is that established properties become harder to purchase, not easier.

𝗘𝘅𝗶𝘀𝘁𝗶𝗻𝗴 𝗶𝗻𝘃𝗲𝘀𝘁𝗼𝗿𝘀 𝘄𝗼𝗻'𝘁 𝘀𝗲𝗹𝗹.

Selling means surrendering grandfathered negative gearing benefits.

That's a compelling reason to hold indefinitely.

𝗙𝘂𝘁𝘂𝗿𝗲 𝗶𝗻𝘃𝗲𝘀𝘁𝗼𝗿𝘀 𝘄𝗶𝗹𝗹 𝗵𝗼𝗹𝗱 𝗲𝘃𝗲𝗻 𝗹𝗼𝗻𝗴𝗲𝗿.

Buying established property under the new rules means carrying forward losses that can only be offset against future positive cash flow.

A process that could take 10 to 20 years.

No rational investor cuts that process short by selling early.

"𝘛𝘩𝘰𝘴𝘦 𝘸𝘪𝘵𝘩 𝘢 𝘤𝘭𝘦𝘢𝘳 𝘗𝘳𝘰𝘱𝘦𝘳𝘵𝘺 𝘗𝘭𝘢𝘯 𝘴𝘶𝘱𝘱𝘰𝘳𝘵𝘦𝘥 𝘣𝘺 𝘵𝘩𝘦 𝘳𝘪𝘨𝘩𝘵 𝘮𝘰𝘳𝘵𝘨𝘢𝘨𝘦 𝘴𝘵𝘳𝘢𝘵𝘦𝘨𝘺 𝘸𝘪𝘭𝘭 𝘰𝘱𝘵𝘪𝘮𝘪𝘴𝘦 𝘢𝘯𝘥 𝘱𝘳𝘦𝘴𝘦𝘳𝘷𝘦 𝘵𝘢𝘹 𝘥𝘦𝘥𝘶𝘤𝘵𝘪𝘰𝘯𝘴."

The only other exit that makes sense is selling into a capital gain, but if you own a quality asset, why would you?

𝗦𝘁𝗮𝗺𝗽 𝗱𝘂𝘁𝘆 𝗶𝘀 𝗮𝗹𝗿𝗲𝗮𝗱𝘆 𝗿𝗲𝗱𝘂𝗰𝗶𝗻𝗴 𝘀𝘂𝗽𝗽𝗹𝘆 𝗱𝘂𝗲 𝘁𝗼 𝗮 𝗹𝗮𝗰𝗸 𝗼𝗳 𝘁𝘂𝗿𝗻𝗼𝘃𝗲𝗿 𝗼𝗳 𝗲𝘅𝗶𝘀𝘁𝗶𝗻𝗴 𝗽𝗿𝗼𝗽𝗲𝗿𝘁𝘆.

It's locking owners in place and blowing out hold periods.

Average hold times have increased by 2.6 years over the past decade.

𝗧𝗵𝗲 𝗿𝗲𝘀𝘂𝗹𝘁: 𝗘𝘃𝗲𝗻 𝗹𝗲𝘀𝘀 𝗾𝘂𝗮𝗹𝗶𝘁𝘆 𝗲𝘀𝘁𝗮𝗯𝗹𝗶𝘀𝗵𝗲𝗱 𝗽𝗿𝗼𝗽𝗲𝗿𝘁𝗶𝗲𝘀 𝗰𝗼𝗺𝗶𝗻𝗴 𝘁𝗼 𝗺𝗮𝗿𝗸𝗲𝘁.

The best assets become rarer, more tightly held and harder to secure and by definition, continue to deliver the strongest returns.

The cruel irony?

Only wealthy investors will have the cash flow to acquire and hold these assets over the long term.

𝗙𝗶𝗿𝘀𝘁 𝗵𝗼𝗺𝗲 𝗯𝘂𝘆𝗲𝗿𝘀 𝗰𝗵𝗮𝘀𝗶𝗻𝗴 𝗲𝘀𝘁𝗮𝗯𝗹𝗶𝘀𝗵𝗲𝗱 𝗽𝗿𝗼𝗽𝗲𝗿𝘁𝘆 𝗶𝗻 𝗾𝘂𝗮𝗹𝗶𝘁𝘆 𝗹𝗼𝗰𝗮𝘁𝗶𝗼𝗻𝘀 𝗴𝗲𝘁 𝗹𝗲𝗳𝘁 𝗳𝘂𝗿𝘁𝗵𝗲𝗿 𝗯𝗲𝗵𝗶𝗻𝗱. 👴👵

15/05/2026

𝗦𝗼, 𝗳𝗿𝗼𝗺 𝟭 𝗝𝘂𝗹𝘆 𝟮𝟬𝟮𝟳, 𝗲𝘀𝘁𝗮𝗯𝗹𝗶𝘀𝗵𝗲𝗱 𝗿𝗲𝘀𝗶𝗱𝗲𝗻𝘁𝗶𝗮𝗹 𝗽𝗿𝗼𝗽𝗲𝗿𝘁𝘆 𝗺𝗮𝘆 𝗻𝗼 𝗹𝗼𝗻𝗴𝗲𝗿 𝗯𝗲 𝗻𝗲𝗴𝗮𝘁𝗶𝘃𝗲𝗹𝘆 𝗴𝗲𝗮𝗿𝗲𝗱. 🏠

What does that ACTUALLY mean?

If you purchase an Established property and it earns: $𝟯𝟬,𝟬𝟬𝟬 𝗿𝗲𝗻𝘁 💰

…but costs: $𝟰𝟬,𝟬𝟬𝟬 in interest, rates, repairs and holding costs 📉

Under the proposed changes, that $𝟭𝟬,𝟬𝟬𝟬 𝗹𝗼𝘀𝘀 will need to be paid from your 𝘀𝗮𝘃𝗶𝗻𝗴𝘀 𝗼𝗿 𝗔𝗙𝗧𝗘𝗥-𝘁𝗮𝘅 𝗰𝗮𝘀𝗵.

For example, if you earned $100,000, that $10,000 loss could 𝗿𝗲𝗱𝘂𝗰𝗲 𝘆𝗼𝘂𝗿 𝘁𝗮𝘅 𝗯𝘆 𝗿𝗼𝘂𝗴𝗵𝗹𝘆 $𝟯,𝟬𝟬𝟬–$𝟯,𝟮𝟬𝟬 𝗽𝗲𝗿 𝘆𝗲𝗮𝗿 including the Medicare levy. ✅

𝗗𝗶𝗱 𝘆𝗼𝘂 𝗸𝗻𝗼𝘄 𝘁𝗵𝗮𝘁 𝘆𝗼𝘂 𝗰𝗮𝗻 𝗰𝗮𝗿𝗿𝘆 𝗳𝗼𝗿𝘄𝗮𝗿𝗱 𝘁𝗵𝗲 𝗹𝗼𝘀𝘀𝗲𝘀 𝘀𝘁𝗶𝗹𝗹 𝗮𝗻𝗱 𝗰𝗹𝗮𝗶𝗺 𝘁𝗵𝗲𝗺 𝗹𝗮𝘁𝗲𝗿 𝗼𝗻?

You just don’t get the benefit until the property is running at a profit.

This means, when the property is cash flow positive and spitting out cash for you,

𝗔𝗻𝗱 𝘁𝗵𝗲𝗻 𝘆𝗼𝘂 𝗽𝗮𝘆 𝗡𝗢 𝗧𝗔𝗫 𝗢𝗡 𝗧𝗛𝗘 𝗜𝗡𝗖𝗢𝗠𝗘 𝘂𝗻𝘁𝗶𝗹 𝗮𝗹𝗹 𝘁𝗵𝗲 𝗹𝗼𝘀𝘀𝗲𝘀 𝗮𝗿𝗲 𝘀𝗼𝗮𝗸𝗲𝗱 𝘂𝗽.

Those losses may have accumulated over 5, 10 or 15 years so it could be quite a sum of cash that you don’t pay tax on.

𝗟𝗲𝘁’𝘀 𝗰𝗮𝗹𝗹 𝗶𝘁 𝗱𝗲𝗹𝗮𝘆𝗲𝗱 𝗴𝗿𝗮𝘁𝗶𝗳𝗶𝗰𝗮𝘁𝗶𝗼𝗻! 😉