Trak Loans and Mortgages Australia

04/06/2026

Ready to own your home 🏠 but not sure where to start? contact us 0468318453 From first-home buyers to complex refinancing,Business loan, Car finance

16/05/2026

First home buyers ! Ready to own your home 🏠 but not sure where to start?From first-home buyers to complex refinancing,Business loan, Car finance contract us 0468318453

12/05/2026

Australia Budget 2026-2027 highlights

12/05/2026

Budget 2026: The New Winners and Losers
• 💀 Negative Gearing: Effective immediately, tax benefits are limited strictly to newly built properties.
• 💀 CGT Discount: The long-standing 50% discount is scrapped; gains will now face a 30% floor tax.
• 💀 Family Trusts: A new 30% minimum tax rate kicks in starting July 2028.
• 💀 EV Perks: The FBT exemption is being withdrawn for electric vehicles priced above $75,000.
• 🏆 Instant Deduction: Claim up to $1,000 for work expenses without keeping receipts.
• 🏆 Tax Offset: A $250 permanent boost, marking the most significant threshold shift since 2012.
• 🏆 Small Biz Write-off: The $20,000 instant asset write-off is now a permanent fixture for business owners.

11/05/2026

10/05/2026

Federal Budget 2026–27: What Property Investors Need to Know
The upcoming Federal Budget is generating plenty of buzz, particularly around potential shifts in housing policy. If you own investment property or are planning to buy, two key terms are likely to dominate the headlines: Negative Gearing and Capital Gains Tax (CGT).

What’s on the Radar?
The government is facing significant pressure to tackle housing affordability. While nothing is set in stone, discussions are heating up around:

• Negative Gearing: Currently, investors can use property losses to reduce their taxable income. Any tweaks here could change your annual cash flow.

• CGT Discounts: Right now, long-term investors benefit from tax reductions when they sell. A change could impact your final "walk-away" profit.

Why This Matters to You
Even if these changes are only being "discussed," the mere talk of reform can ripple through the market. Investors should keep an eye on how this might affect:
1. Borrowing Power: Lenders may adjust how they view investment income.
2. Market Sentiment: Shifts in policy can influence buyer demand and property prices.
3. Long-term Strategy: Your "exit plan" or portfolio growth might need a quick health check.
Stay Ahead of the Curve

At TRAK LOANS AND MORTGAGES, we cut through the jargon to give you the facts. Whether you’re looking to secure your first home, grow a portfolio, or refinance for a better rate, we help you navigate the changing landscape with ease.

Contact Avtar Sidhu (Mortgage Broker) 0468318453 today to discuss how these potential shifts might impact your specific financial goals.

08/05/2026

Your Path to Home ownership
Avtar Sidhu -Mortgage Broker
• Specializing in:
• * Home Guarantee Scheme
• * Family Home Guarantee (Single Parent Scheme)
• First Home Buyers
• © Refinance & Equity Release
•E Self-Employed Solutions
Let's look at your options together and get you into your own home sooner.

05/05/2026

RB Australia another rate increase

04/05/2026

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02/05/2026

https://www.trakloansandmortgages.com.au/post/fixed-or-variable-home-loan

Typically, when obtaining a home loan, you have two options: a fixed interest rate or a variable interest rate.A fixed interest rate home loan is one where the interest rate is set (i.e., fixed) for a specific duration, usually ranging from one to ten years. During this fixed period, both your inter...