Willow & Reed Private Wealth

05/10/2026

New CGT changes explained: cost base indexation and the 30% minimum tax rate from 1 July 2027

The 50% CGT discount is being replaced from 1 July 2027. Here's a plain-English guide to cost base indexation, the new 30% minimum rate, and what it means for assets you already hold.

Read the full article below 👇

From 1 July 2027, the 50% CGT discount is replaced with indexation and a 30% minimum rate. Here's exactly what changes and what's protected.

28/09/2026

New negative gearing rules explained: what changes from 1 July 2027, and what's protected

Negative gearing is changing from 1 July 2027, but if you bought before budget night, you're protected. Here's what's changing, what isn't, and who it really affects.

Read the full article below 👇

From 1 July 2027, negative gearing changes for established property. Here's exactly what's changing, what's grandfathered, and what to do now.

27/09/2026

21/08/2026

There are moments in this business that remind me why I do what I do.

I recently received this beautiful handwritten card from a client I had the privilege of helping — and honestly, it meant more to me than they probably realise.

They came to me after running into roadblocks through other avenues, with just one week until settlement.

It wasn't straightforward, but we found a solution, secured the funding they needed and, most importantly, settled on time.

I thoroughly enjoyed working with them, but receiving this card afterwards was something pretty special.

Because beyond the commissions, the trails and the numbers, there's something far more rewarding about helping someone navigate what can be a pretty stressful time and getting them to the other side.

That's the part that makes my heart smile.

To my client — thank you for your kind words, your trust and your appreciation. It was an absolute pleasure helping you.

And to anyone currently hitting a roadblock with their lending: sometimes you just need to approach the problem from a different angle.

If you're stuck, let's have a conversation.

HomeLoans HomeLoanAustralia MortgageAdvice LendingSpecialist PropertyFinance HomeBuyers Refinancing MortgageSolutions MelbourneProperty VictorianProperty PropertyMelbourne FirstHomeBuyer InvestmentProperty AustralianProperty StrategicLendingWithHeart

23/05/2024

With access to this many lenders you know we'll deliver the right loan and the right product for you.

Unlike the banks, who will only recommend you their product, we will conduct extensive research to ensure we find the best lender for your needs.

Give us a call, drop us an email, give us the opportunity to work for you or refer someone you know that could use our help.

09/04/2024

Don't have enough of a deposit?
Don't want to pay Lenders Mortgage Insurance (LMI)?
Want to get into the property market now?

Then a guarantor loan might be the answer.

Guarantors are not co-applicants but they do need to be fully assessed like all applicants on the loan.

The purpose of a guarantor is to avoid having to pay LMI. Basically, a guarantor let's the lender know, despite you not having the full 20% deposit (plus stamp duty, where applicable), you are still 'good' for the loan, and if all fails, the guarantor will step in to cover your repayments if you fail to do so.

When the equity in your home goes above 20% or you've paid down your loan either 20% or more, you can apply to have the guarantor removed.

Talk to me today about this strategy and whether it is the right one for you. I'd love to help.

28/03/2024

I love these tips. 👏
So simple but often overlooked.🤦

Who would've thought, paying MORE OFTEN would mean paying down your loan sooner. Interest is accrued daily and charged weekly, fortnightly or monthly (depending on your frequency). Each repayment you make, pays down some of your principal as well as covers the interest for that period. If you made repayments every week then you are paying down your principal sooner with each payment which means the interest accruing is more often on a lower amount each week as opposed to waiting a whole month to reduce your principal and subsequent interest calculation. Talk to us today to see if your current set up is the right one for you.

Off the back of that, pay more towards your loan, either by increasing your repayment amount above the minimum or putting money in a redraw or offset account. Every dollar counts. Whatever saved cash you have, if your interest rate on your home loan is higher than your high interest savings account then your money is working more for you sitting in your redraw or offset account (and bonus, you don't have to pay tax on it, but please speak to your accountant to confirm this for your individual situation). Less loan amount to calculate interest means more towards your principal.

Talk to us today.
We can do a mortgage makeover. Check that the mortgage is the right one for you not just the lowest rate.

Remember, nothing is free and if it's too good to be true then it probably is. Don't shop on rates only, shop on features combined that will help you pay down your home loan sooner.

27/03/2024

The key to finding a home and the right home loan is all about adopting the K.I.S.S strategy - Keep It Simple and Straightforward (I don't like the other word 😉).

1. Tidy up your finances leading up to your application. Get rid of credit cards you don't use or reduce the limit if you don't need it. Cut down on your spending, or implement a strick budget. The simple you make things the easier it is to get approved.

2. Plan ahead. Know what you want to spend on a home, how much of a deposit you need, whether you need to cover stamp duty, or LMI, etc. I can help you plan this out.

3. Find the right home loan. This is where I step in. I do the leg work for you. Make the journey simpler and more straightforward. Talk to me today.

4. Speak to a real estate agent. Don't have one or need some real estate advice? I can put you in contact with an amazing real estate agent and even a buyer's agent who, together, will do all of the heavy lifting in finding you your perfect home. Talk to me today.

5. Always inspect before you buy. This is such an important step. You don't want any surprises when you take ownership which might cost you thousands to fix. I encourage all my clients to put offers in with "subject to finance" and "subject to building and pest inspection".

Hopefully these tips are helpful.
If you want to discuss further, reach out, I'd be happy to help.