MoneyQuest - Geelong

19/06/2026

It’s called depreciation. When you buy a new build investment property, the ATO lets you claim:
• The building
• Fixtures
• Fittings
As a tax deduction.

Even though:
→ You don't pay for them every year
→ And they’re not costing you cash weekly

“So I get a deduction… without spending more?” Exactly!

If you’re on a high income, this matters.
💬 DM me “Plan” or you can book online here: https://sarahmaslenmoneyquest.as.me/schedule/7f5a0161
📍 Geelong, Victoria

17/06/2026

Your borrowing capacity is like a window and it doesn’t stay open forever!

It’s based on:
✅ Your income
✅ Your expenses
✅ Your existing debt

Over time:
→ Expenses go up
→ Kids cost more
→ Lifestyle expands

So even if your income grows… your borrowing power doesn’t always follow. That’s why timing matters. Want to know what you could borrow now? DM me “Plan”.

Or you can book online here: https://sarahmaslenmoneyquest.as.me/schedule/7f5a0161

10/06/2026

Here’s something investors are starting to pay attention to...

The changes to negative gearing and capital gains tax don’t impact commercial properties the same way. Which means commercial property may become a far more attractive option moving forward.

And switched-on investors? They’re already starting to look at where the opportunities shift next.

Because investing isn’t just about buying property anymore. It’s about buying the right asset under the right structure in the current market.

If you’re thinking about investing, commercial property is worth understanding properly before everyone else catches on.

DM me if you want to talk through whether commercial property could make sense for you.

Think of it more like a coffee catch-up than a finance appointment. I’ll answer your questions, talk through your options, and there’s absolutely no hard sell.

Or you can book online here: https://sarahmaslenmoneyquest.as.me/schedule/7f5a0161

08/06/2026

If you’ve been following these posts and wondering how this all applies to your situation… it might be time we had a chat!

DM me to book your free discovery call.I’m super easy to talk to and genuinely love helping people work through this stuff. No pressure, no awkward sales pitch, just a friendly conversation to see what’s possible!

Or you can book online here: https://sarahmaslenmoneyquest.as.me/schedule/7f5a0161

05/06/2026

I've never met a couple who regretted buying their investment property. I've met hundreds who regretted waiting. If you keep saying 'this year' and life keeps resuming... this one's for you!

After 10 years and hundreds of client conversations, I know exactly how this goes. You earn well. You're responsible. You've thought about it — more than once. But every time you get close, something comes up. The renovation. The school fees. The holiday you needed. And another year passes.

That's not laziness. That's not stupidity. That's what happens when you have no structure around the decision.

Here's what I've learned sitting across from couples just like you. The ones who purchased an investment property, they weren't more financially savvy. They weren't earning more. They just had someone sit beside them, draw the map, and show them it actually fit inside their life.

Holidays still happened. School fees still got paid. The lifestyle didn't change.

What changed was that something started working in the background. Good debt, attached to an asset that grows and produces income.

Not a sacrifice.
A strategy.

Five years from now you'll either be looking back at the year you finally bought an investment property. Or you'll still be saying.... this year.

The couples who acted? They're not stressed about retirement anymore. They're just having coffee on a Sunday, knowing something is working.

DM me to book your free discovery call. Think of it more like a coffee catch-up than a finance appointment. I’ll answer your questions, talk through your options, and there’s absolutely no hard sell.

Or you can book online here: https://sarahmaslenmoneyquest.as.me/schedule/7f5a0161

03/06/2026

Here's what I would do if I was you...

I'd be looking at investing in:
✅ New builds
✅ Commercial property

Why? Because proposed changes to negative gearing and capital gains tax don’t impact those properties the same way.

Here’s what I would NOT do:
❌ Sit on the sidelines for 12 months waiting to “see what happens.”

That could be the most expensive mistake investors make.

Because people will always invest.
✅ They want a better future.
✅ More options.
✅ More freedom for their family.

That doesn’t change.

And experienced investors? They’re already pivoting.

I know because I’m having these conversations every day. Which means demand is likely to move heavily toward:
🏠 New builds
🏠 Commercial property

And when demand rises? Prices usually follow.

Construction costs are already up 20–30% since COVID and they haven’t come back down.

So waiting could mean:
Higher build costs
Longer delays
More competition
Paying more later

DM me if you want help understanding what opportunities still make sense in this market!

I’m super easy to talk to and genuinely love helping people work through this stuff. No pressure, no awkward sales pitch — just a friendly conversation to see what’s possible.

BOOK HERE: https://sarahmaslenmoneyquest.as.me/.../calendar/12785183
S

01/06/2026

It’s not entirely true that negative gearing is “gone.” 👀

Here’s what many investors are missing!

Under the proposed changes, losses on established investment properties may no longer be claimed against your income each year. But the losses don’t disappear. They’re deferred.

So if your property runs at a $10,000 loss each year, over 5 years that’s a $50,000 loss carried forward.

And when you eventually sell the property, those losses may still be used to reduce your capital gains tax. Meaning the tax benefit is delayed, not necessarily lost.

And that changes how smart investors think about strategy.

Because switched-on investors don’t just ask, “What happens this year?” They ask, “What puts me in the strongest position long term?”

DM me if you want help understanding how these changes could impact your next move I’m friendly, down-to-earth, and love a good chat. No hard sell — just honest advice and a clear conversation about your options.

Or book a 15 minute discovery call with me here: https://sarahmaslenmoneyquest.as.me/

28/05/2026

With the changes to negative gearing and capital gains tax… broker circles are already talking about how investors will pivot.

One strategy?

Turning homes into multi-tenant properties.
Think:
4 bedrooms.
4 bathrooms.
Different tenants renting each room separately.

And on paper?
It can look smart.
Higher rent.
Better cash flow.
Helps offset the mortgage.

But here’s the problem nobody on social media is talking about.

Banks often HATE these setups.

Why?

Because many lenders classify them as boarding houses.

Which means:
❌ They may decline the property altogether
❌ Reduce the rental income they’ll accept
❌ Or decline the loan because borrowing no longer works without the higher rent.

How do I know?

Because I’ve had clients with these exact properties…
and they struggled to get finance.

And THIS is the difference an experienced broker makes.

Not just someone who can get you a rate…
but someone who’s actually seen how these situations play out in real life.

Because experience?
You don’t get that from a 30-second TikTok.
You get it from years on the ground.

Send me a DM if you want help understanding what banks will, and won’t, actually finance.

I’m super easy to talk to and genuinely love helping people work through this stuff. No pressure, no awkward sales pitch — just a friendly conversation to see what’s possible.

BOOK HERE: https://sarahmaslenmoneyquest.as.me/schedule/7f5a0161/appointment/83742704/calendar/12785183
S

26/05/2026

25/05/2026

Not all properties grow the same. Not even close.

Growth comes down to a few key things:
People → more people moving in than out
Jobs → stable employment nearby
Supply → not too many similar properties
Infrastructure → real money being spent in the area

It’s not:
“It looks nice”
“It’s cheap”
“My friend bought there”

Growth is predictable… if you know what to look for.

If you want help spotting the right area, DM me “Plan”.