03/09/2026
There’s a lot of debating at the moment around property, tax changes, negative gearing and whether the system is actually helping younger Australians get into the market.
And the more I look at it, the more it feels like they’ve just pulled the ladder up.
That’s the best way I can describe it.
For years, people used the same systems, the same tax settings, the same investment tools, to build wealth through property.
Now young buyers and new investors are being told, “Not for you, mate.”
And look, I’m not saying every tax benefit around property is perfect. I’ve never said that.
But if you’re going to change the system, change it fairly.
Don’t let one generation keep the benefits and then tell the next generation they’re the problem.
That’s the part that doesn’t pass the pub test.
For anyone trying to buy their first home, first investment property, or even just work out whether they should refinance and reposition, the big takeaway is this:
You need to understand the rules before you make the move.
Because the goalposts are moving, and they’re moving fast.
If you’d like advice tailored to your situation, feel free to send a DM, and we can schedule an obligation-free consultation.
I’m Kristian Karamatic, the Principal Mortgage Broker at LOVA Finance, helping first home buyers, refinancers and property investors make bright-liner lending decisions with direct guidance from enquiry through to settlement.
Attentive service, without handing off to juniors, is paramount for me.
*This post contains general information only, not intended to be financial advice.
