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15/06/2026

June 30 has a way of sneaking up on us.

Most people spend EOFY thinking about their tax return. But if you've got a mortgage or an investment property, there's another conversation that deserves some attention before the financial year closes.

When did you last look at your loan structure? Is your interest rate still competitive? Are you making the most of your offset account? If you've got multiple properties, is your lending set up in a way that works for your overall financial position?

These aren't urgent questions - until suddenly they are.

EOFY is a natural moment to pause and review, to make sure what you've got in place is still doing what it should be.

A quick conversation with your broker costs you nothing. What you learn might surprise you 🦁

11/06/2026

The budget's been handed down and the group chats are running hot. So let's slow down for a second.

Yes, the changes to negative gearing and capital gains tax are real. From 1 July 2027, negative gearing on established residential properties will be limited to new builds for anyone who purchased after 12 May 2026.

But here's what that actually means before you make any decisions :

🦁 If you already own an investment property, or were under contract before Budget night, you're grandfathered under the existing rules. Nothing changes for you right now.

🦁 If you're looking at new builds, negative gearing and the CGT discount still apply.

The changes don't take effect until 1 July 2027. That's time to get proper advice, understand your specific situation, and make considered decisions, rather than reactive ones.

The worst thing you can do right now is act on a headline. Talk to your accountant, your financial planner, and your broker before you do anything 🦁

08/06/2026

Small business owners - June 30 is nearly here.

If you've been putting off a purchase for your business, this is worth knowing before the financial year closes.

The $20,000 instant asset write-off has been extended through to 30 June this year. That means if your business turns over less than $10 million, you can immediately deduct the full cost of eligible assets under $20,000 - rather than depreciating them slowly over time.

It applies per asset, so if you need multiple pieces of equipment, each one under the threshold can be written off individually.

Assets $20,000 or over can still go into your small business pool and be depreciated from there.

As always, talk to your accountant about whether a purchase makes sense for your situation before the end of financial year - buying something just for a write-off isn't always the smart move 🦁

Source: ATO.gov.au

04/06/2026

Everyone's got an opinion on negative gearing right now. Here are the facts.

From 1 July 2027, negative gearing on established residential properties will no longer be available for properties purchased after 12 May 2026. Rental losses can still be offset against residential property income or future capital gains - they just can't be claimed against your salary or other income.

New builds remain fully exempt. If you're investing in new construction, negative gearing and the 50% CGT discount still apply.

On capital gains tax, the 50% discount is being replaced with cost base indexation and a 30% minimum tax rate on capital gains - but only on gains accruing after 1 July 2027.

Already own an investment property? You're grandfathered. Nothing changes for existing holdings.

The changes are real and they're coming - but they're not here yet, and your situation will determine how much they actually affect you.

This is exactly the kind of thing worth sitting down with your broker, accountant, and financial planner to work through properly - before the noise makes the decision for you 🦁

01/06/2026

Obert was heading into one of the biggest milestones of his life. Naveed made sure it felt that way.

From the first step of the loan application to the last, Obert felt supported, confident, and never once overwhelmed. Every question answered, every detail handled, the whole process made manageable.

Buying a property can be a lot. With the right broker, it doesn't have to feel that way 🦁

28/05/2026

Cast your mind back to COVID. The market was uncertain, the news was grim, and most people decided to wait and see. The ones who bought during that period? They watched their properties skyrocket in value not long after.

We're not saying the same thing will happen again. No one has a crystal ball. But the pattern is worth paying attention to - because uncertainty has always been part of property, and waiting for it to disappear means waiting forever.

There's also something worth remembering when the noise gets loud : you haven't lost money until you sell. Property values move in cycles - they go up, they ease, they go up again. That's not spin, that's just history.

The question isn't whether the timing is perfect. It never is. The question is whether you're in a position to act, and whether waiting is actually serving you 🦁

25/05/2026

Most people don't realise that your personal borrowing limit and your SMSF borrowing capacity are two completely different things.

If you've maxed out in your own name, an SMSF (Self Managed Super Fund) can be another vehicle to keep building your portfolio - whether that's residential or commercial property. The bank assesses it separately, so what you can or can't borrow personally doesn't come into play.

We're seeing more and more investors go down this path lately, and you can even set one up with someone else, so it doesn't have to be a solo move.

It's not the right fit for everyone, but if you're at that stage where you're wondering what's next, it might be worth a conversation sooner than you think.

Get in touch and we can look at whether it makes sense for you 🦁

21/05/2026

If you've been trying to get into the property market but keep feeling like the goalposts are moving, you're not imagining it. Saving a deposit while prices climb and cost of living does the same is genuinely hard, and a lot of people are stuck in a holding pattern wondering when the right time will be.

Rentvesting is one option that's worth understanding - because it flips the script a little.

It's when you buy an investment property first - while continuing to rent or live at home - rather than waiting until you can afford to buy somewhere you actually want to live.

The idea is straightforward: you get a foothold in the property market, your investment property generates rental income, and you keep the flexibility to live where suits you right now.

There are a few things worth understanding before you go down this path - like how lenders assess your borrowing capacity as a rentvestor, and what it means for things like the first home owner grant. But for a lot of people, it's a smarter first move than waiting on the sidelines for the "perfect" scenario.

If you've been wondering whether rentvesting could work for your situation, reach out and let's have a chat 🦁

18/05/2026

Some decisions are just harder than others 🤪

14/05/2026

Fred didn't usually write reviews. But he did for Naveed.

That says something.

From the first conversation to settlement, Fred knew exactly where he stood. No stress, no runaround. Just clear communication, a smooth process, and a loan structured to actually fit his situation.

That's the job done right 🦁

Address

Brisbane, QLD
4000

Telephone

+61411356003

Website

https://www.manefinancial.com.au/

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