Ur Wealth Advisory

Ur Wealth Advisory Our mission: To help everyday Australians get ahead in life, control their finances, and grow their wealth through transparent and independent advice.

Our vision: To bring a brighter financial future to all Australians.

🚨 BREAKING NEWS 🚨The Senate has passed the proposed changes to Negative Gearing and Capital Gains Tax (CGT), bringing th...
26/06/2026

🚨 BREAKING NEWS 🚨

The Senate has passed the proposed changes to Negative Gearing and Capital Gains Tax (CGT), bringing these housing tax reforms one step closer to becoming law.

For many Australians, this raises some important questions...

🏠 Will these changes make housing more affordable?
💰 Will they discourage everyday Australians from investing?
📉 Could there be unintended consequences for renters, homeowners and future generations?

Supporters argue the reforms could improve housing affordability, while critics believe they may reduce investment in housing and affect supply.

What's your view? 👇

Do you think these reforms will help Australia, or could they make it harder for everyday Aussies to build wealth through property?

💬 Comment below—we'd love to hear your thoughts.

23/06/2026

🚨🏡 BAN ON LRBAs FOR SMSF INVESTORS? 🏡🚨

The government says banning LRBAs for residential property inside SMSFs is about reducing risk and stopping investors from taking advantage of tax concessions.

But let's look at the facts... 👇

📊 Residential property held inside SMSFs represents less than 1% of Australia's housing stock.

💰 The tax concessions haven't changed. Super funds still enjoy concessional tax treatment whether they invest in shares, managed funds, commercial property or residential property.

❓ So why target residential property specifically?

For many everyday Australians, leverage is the only realistic way to build meaningful wealth for retirement.

Remove LRBAs and you've effectively locked thousands of Australians out of direct property investment inside super. 🚫🏠

And the "risk" argument? 🤔

LRBA stands for:

✅ LIMITED
✅ RECOURSE
✅ BORROWING
✅ ARRANGEMENT

In a properly structured LRBA, if the property investment fails, the lender's recourse is generally limited to that specific asset.

They can't simply force the SMSF to liquidate unrelated shares and investments to cover the shortfall. 📉

💡 This isn't about stopping the wealthy.

The wealthy will always have alternative structures, advisers and investment vehicles available to them.

It's everyday Australians trying to build financial independence who are most likely to be affected.

Every year we're told Australians need to take more responsibility for their retirement...

Yet policies like this make it harder for ordinary Australians to build wealth in a tax-effective environment.

⚠️ Do you think banning LRBAs protects Australians?

Or is it another step towards limiting pathways to financial independence?

👇 Let me know your thoughts in the comments.

Ever wondered how money really moves between banks and government?Here’s the loop they don’t often talk about 👇Banks pro...
14/10/2025

Ever wondered how money really moves between banks and government?

Here’s the loop they don’t often talk about 👇

Banks provide liquidity to the Government by buying its bonds.
These bonds fund budget deficits — the government’s version of borrowing.

The Government provides liquidity to the Banks by issuing those same bonds, which count as High Quality Liquid Assets (HQLA) under APRA’s rules.
Banks must hold these bonds to meet regulatory liquidity ratios (APS 210).

So — government debt becomes the collateral backing the banking system’s liquidity,
and the banking system becomes the buyer that keeps the government’s borrowing flowing.

A closed circuit of credit and control.

All fine when GDP and wages rise —
but if growth stalls, the whole system leans on debt instead of productivity.

10/10/2025

💥 When your bank forgets to link your offset…

Imagine finding out your offset account wasn’t linked for 4 years 😬
That’s thousands in extra interest — all because of a simple admin error.

Even if the bank refunds the overcharged interest, here’s what most people don’t realise 👇

You’ve also lost the compounding benefit of having a lower principal over time.

You’ve fallen behind on your loan repayment progress (your balance should’ve been lower today).

And if it’s an investment loan, there may even be tax implications for the refunded interest.

So while a refund is good, it rarely makes you whole.
✅ Always check your offset is linked correctly.
✅ Keep an eye on your loan statements.
✅ And if you’re unsure — have your broker review your setup.

Because mistakes like this can quietly cost you tens of thousands.

10/10/2025

💡 Should you lower your LVR by paying down your home loan?

A lot of homeowners wonder if they should move their savings from the offset account into the loan to reduce their Loan-to-Value Ratio (LVR) and hopefully get a lower rate.

Here’s my take 👇
Keeping your funds in the offset gives you flexibility and control.
✅ You’re still saving interest — dollar-for-dollar
✅ You keep liquidity if an emergency or opportunity arises
✅ You avoid potential refinance costs or losing redraw access

In most cases, it’s smarter to retain control of your funds rather than locking them into the loan.

08/10/2025

When rates started climbing, Natalie panicked.
She fixed her loan for three years at what seemed like a good rate.

Six months later, she wanted to refinance and release equity for an investment property — but the break costs were $8,000.

That “peace of mind” suddenly came with a price tag.

💡 The lesson:
Fixed rates aren’t bad — but they trade flexibility for certainty.
If your plans might change, or you’re looking to grow your portfolio, locking in too soon can restrict your options.

👉 The right loan isn’t just about the rate — it’s about how it fits your long-term goals.

26/09/2025

🚦 The Wrong Broker Can Hold You Back

When it comes to property investing, the wrong finance partner can cost you more than just money it can cost you time.

Here’s how the wrong broker can slow your journey:
❌ Recommending the wrong loan structure leaving you stuck when it’s time to buy your next property.
❌ Missing lender policy details which can delay approvals or even cause declined applications.
❌ Focusing only on the cheapest rate instead of a long-term strategy that supports your growth.
❌ Lack of communication leaving you stressed and second-guessing the process.

💡 Property investing is a marathon, not a sprint. The right broker doesn’t just get you a loan they set you up with a strategy that lets you scale faster, with less stress and more confidence.

At Ur Wealth Advisory, we help everyday Australians build wealth through property with loan structures and strategies designed to support long-term growth.

📞 Ready for a broker to help you move forward instead of holding you back? Let’s chat today.

💡 Why Liquidity Drives Asset Prices (and Why It Matters for Housing)Ever noticed how house prices seem to move in lockst...
25/09/2025

💡 Why Liquidity Drives Asset Prices (and Why It Matters for Housing)

Ever noticed how house prices seem to move in lockstep with how easy (or hard) it is to get credit? That’s not a coincidence — it’s built into the system.

Here’s the cycle in simple terms:

1️⃣ More Liquidity → Higher Prices
When central banks cut rates or expand credit, there’s suddenly more money chasing the same number of assets. Prices reprice upwards to match.

2️⃣ Credit Dependence
As property values climb, buyers need bigger loans. Incomes don’t keep up, so the system becomes more and more dependent on credit growth to function.

3️⃣ Fear of Selling
Those who bought early are reluctant to sell. Why? Because if they sell, they’ll have to buy back in at even higher prices. This “lock-in” reduces supply on the market.

4️⃣ Supply Bottlenecks
Unless new housing stock is built quickly, limited supply + abundant credit = upward pressure on prices.

⚠️ The risk? The higher we climb, the more fragile the system becomes. If credit tightens or rates rise, demand slows and prices can correct sharply — and because banks are so tied to housing debt, the whole system feels it.

👉 In short: asset prices rise with liquidity, but they also become trapped by it.

What do you think — are we in a healthy cycle, or just setting ourselves up for bigger shocks down the track?

24/09/2025

Residential lending ⬆️ in the June 2025 qtr, as total new loans rose to $187.6 billion, up 16.2% year on year.
Residential loan books ended the quarter at $2.39 trillion, up 5.7% year on year👍

💡 Did you know banks don’t just “lend out” your deposits — they actually create NEW money when they issue loans?Sounds c...
24/09/2025

💡 Did you know banks don’t just “lend out” your deposits — they actually create NEW money when they issue loans?

Sounds crazy, right? But that’s how modern banking works. It’s a giant system of IOUs — backed not by gold or even oil anymore, but by our productivity, and the flow of global trade.

From the Reserve Bank here in Australia, to the US dollar’s role as the world’s reserve currency, to how debt fuels asset prices… this system impacts every single one of us.

👉 For investors, it’s critical:

Debt creates money.

Money inflates asset values.

Assets become collateral for more debt.

Repeat.

That cycle explains why leveraged investors often outperform savers — and why understanding the banking system is the key to building wealth in today’s world.

🌏 And on the global stage? The US dollar’s reserve status is tied to oil, trade, and Treasury bonds — a system now being challenged by new players.

🔥 I’m putting together a breakdown of how modern banking really works and why it matters to you as an investor.

❓Would you like me to share it? Drop a “YES” in the comments if you want to learn how this system shapes everything from your mortgage to the global economy.

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