Alexander Heifetz - Loan Market

05/06/2026

While we fully support doing absolutely nothing productive this weekend, can we suggest one small exception? With EOFY just weeks away, now is a great time to check whether your loan structure is still working for you.

The right setup can make a real difference at tax time and it doesn't take long with us in your corner. Talk to us this week.

Please do not hesitate to contact me for more information or for any help with your finance needs including purchase of first home, new owner-occupied or investment property, refinance, construction and renovation, personal, business, commercial or car loans.

I work in all Australian states and with clients located overseas (expats, foreigners with Australian Permanent or Temporary Resident Visa).

Talk to me: https://broker.loanmarket.com.au/alexander-heifetz/

04/06/2026

👉 Labor’s proposed changes appear to target the use of family trusts and bucket companies, which have long been used by business owners, investors and families for tax planning, asset protection and estate planning.

👉 The changes could make distributions from discretionary trusts to corporate beneficiaries far less tax effective from 1 July 2028.

👉 In some cases, the effective tax rate on trust income distributed to a bucket company could reportedly rise to 51 per cent before personal tax, and potentially around 63 per cent once the money is later paid out to individuals.

👉 While the government is framing the measure as a fairness issue, many ordinary business owners, professionals, farmers, property investors and family enterprises could be caught in the net.

👉 Family trusts are often about much more than tax - they can help with asset protection, succession planning, intergenerational wealth transfer and protecting vulnerable beneficiaries.

👉 The real risk is that changing long-established rules could damage confidence, discourage investment and force families into more complex and costly structures.

👉 Anyone with a family trust, bucket company or estate plan built around trust distributions should review their structure with their accountant, lawyer and financial adviser well before the proposed changes take effect.

Please do not hesitate to contact me for more information or for any help with your finance needs including purchase of first home, new owner-occupied or investment property, refinance, construction and renovation, personal, business, commercial or car loans.

I work in all Australian states and with clients located overseas (expats, foreigners with Australian Permanent or Temporary Resident Visa).

Talk to me: https://broker.loanmarket.com.au/alexander-heifetz/

Read the article below.

There’s an old saying that the easiest tax to sell is one that only applies to “wealthy people.” Most Australians won’t complain too loudly if Canberra...

04/06/2026

How much more can renters take?: Grim predictions renters can no longer afford hikes. As debate rages over landlord tax changes, one expert predicts renters could be forced back into share houses or even home with Mum and Dad due to looming rent rises... There’s a limit to how many more increases landlords can inflict...

Please do not hesitate to contact me for more information or for any help with your finance needs including purchase of first home, new owner-occupied or investment property, refinance, construction and renovation, personal, business, commercial or car loans.

I work in all Australian states and with clients located overseas (expats, foreigners with Australian Permanent or Temporary Resident Visa).

Talk to me: https://broker.loanmarket.com.au/alexander-heifetz/

Renters could be forced back into share houses or even home with Mum and Dad due to looming rent rises, with one expert predicting there’s a limit to how many more increases landlords can inflict.

04/06/2026

Australia remains one of the most prosperous nations in the world.
We enjoy a stable political system, abundant natural resources, a relatively strong labour market and living standards many countries would envy. Yet beneath the surface, something important is shifting...

👉 Financial stress is becoming more widespread in Australia, with one in four households now experiencing cashflow problems despite strong employment levels.

👉 Australians are feeling less optimistic about life, with overall life satisfaction steadily declining over the past decade.

👉 Trust in institutions and other people has fallen sharply, weakening the social cohesion that underpins a strong economy and stable society.

👉 Face-to-face social connection has dropped significantly since the pandemic, leaving many Australians feeling more isolated despite constant digital connectivity.

👉 Australia remains resilient, but long-term prosperity will depend on rebuilding trust, strengthening communities and improving financial security for households.

Please do not hesitate to contact me for more information or for any help with your finance needs including purchase of first home, new owner-occupied or investment property, refinance, construction and renovation, personal, business, commercial or car loans.

I work in all Australian states and with clients located overseas (expats, foreigners with Australian Permanent or Temporary Resident Visa).

Talk to me: https://broker.loanmarket.com.au/alexander-heifetz/

Australia remains one of the most prosperous nations in the world. We enjoy a stable political system, abundant natural resources, a relatively strong...

04/06/2026

🏠 Australia’s housing shortage remains the biggest driver of property values, with population growth and changing household patterns continuing to outpace new housing supply.

🏠 Property markets are becoming increasingly fragmented, meaning broad city-level predictions matter less than choosing the right suburb, property type, and location.

🏠 Tax changes and higher interest rates may slow growth, but they are unlikely to derail quality investment-grade properties in established suburbs.

🏠 The strongest long-term opportunities are still in scarce, well-located assets with strong owner-occupier appeal rather than new developments driven mainly by tax incentives.

🏠 Successful investors in 2026 will be those who stay strategic, manage risk carefully, and focus on long-term compounding rather than reacting emotionally to headlines or market noise.

Please do not hesitate to contact me for more information or for any help with your finance needs including purchase of first home, new owner-occupied or investment property, refinance, construction and renovation, personal, business, commercial or car loans.

I work in all Australian states and with clients located overseas (expats, foreigners with Australian Permanent or Temporary Resident Visa).

Talk to me: https://broker.loanmarket.com.au/alexander-heifetz/

There is more conflicting information about property right now than at almost any point I can remember. Turn on the news and you will find someone warning...

03/06/2026

Look, we're not going to pretend the property market has been a walk in the park lately. It hasn't. Prices are up, deposits take longer to save, and 'affordable suburb' has become a bit of an oxymoron. But Australia's homeownership rate has held steady at 62.7% for over a decade. The dream is alive, it just looks a bit different now.

We've broken down what that actually means for buyers in 2026 👇

https://broker.loanmarket.com.au/alexander-heifetz/blog/the-australian-dream-is-changing-but-still-within-reach/

Please do not hesitate to contact me for more information or for any help with your finance needs including purchase of first home, new owner-occupied or investment property, refinance, construction and renovation, personal, business, commercial or car loans.

I work in all Australian states and with clients located overseas (expats, foreigners with Australian Permanent or Temporary Resident Visa).

Talk to me: https://broker.loanmarket.com.au/alexander-heifetz/

02/06/2026

For 27 years, Australian investors have enjoyed one of the most generous capital gains tax concessions in the developed world.
Buy an asset, hold it for more than twelve months, and the government only taxes half your gain.

That concession, introduced by the Howard government in 1999, shaped how Australians invest in ASX shares, property, and managed funds.

From 1 July 2027, it is gone.
The 2026 federal budget replaced the 50% CGT discount with a system of inflation indexation and introduced a 30% minimum tax on capital gains.

For ASX investors, the implications are significant and deserve careful attention...

Please do not hesitate to contact me for more information or for any help with your finance needs including purchase of first home, new owner-occupied or investment property, refinance, construction and renovation, personal, business, commercial or car loans.

I work in all Australian states and with clients located overseas (expats, foreigners with Australian Permanent or Temporary Resident Visa).

Talk to me: https://broker.loanmarket.com.au/alexander-heifetz/

The 50% capital gains tax discount is gone from July 2027. Here is what this means for how you build wealth through ASX shares.

02/06/2026

Western Australia property prices continue to rise despite east coast slowdown... As compounding stressors weigh on markets across Australia, one capital city is blasting ahead with house prices continuing to surge. Perth’s housing market is continuing to defy expectations deep into 2026, with property values surging even as compounding external stressors weigh on markets...

Please do not hesitate to contact me for more information or for any help with your finance needs including purchase of first home, new owner-occupied or investment property, refinance, construction and renovation, personal, business, commercial or car loans.

I work in all Australian states and with clients located overseas (expats, foreigners with Australian Permanent or Temporary Resident Visa).

Talk to me: https://broker.loanmarket.com.au/alexander-heifetz/

Perth’s housing market is continuing to defy expectations deep into 2026, with property values surging even as compounding external stressors weigh on markets.

02/06/2026

Next month’s interest rate decision is shaping up as one of the easiest calls the RBA has had in years, yet the policymakers sit frozen as the economy weakens around them. The warning signs are already here, and the cracks in the economy are becoming impossible to ignore.

Unemployment has climbed to 4.5%, the highest level since 2021, while employment growth has slowed. The labour market is clearly weakening, particularly as government spending slows and sectors tied to programs like the NDIS face tightening budgets and hiring pressure...

Meanwhile, higher interest rates have already crushed borrowing power, consumer confidence is fading, businesses are slowing hiring, and households are cutting spending. Proposed changes to negative gearing and capital gains tax are also weighing on investor confidence at the exact moment Australia is already struggling to build enough homes.

The RBA risks solving yesterday’s inflation problem while creating tomorrow’s recession. That’s the real danger now. Interest rates work with a lag. The damage from previous hikes is only just starting to hit the economy and by the time the slowdown becomes obvious in the data, unemployment may already be out of control.

At some point, the focus must shift from fighting inflation to protecting growth because if unemployment keeps rising while productivity keeps falling, the economy won’t need another rate hike, it will need a rescue package...

Please do not hesitate to contact me for more information or for any help with your finance needs including purchase of first home, new owner-occupied or investment property, refinance, construction and renovation, personal, business, commercial or car loans.

I work in all Australian states and with clients located overseas (expats, foreigners with Australian Permanent or Temporary Resident Visa).

Talk to me: https://broker.loanmarket.com.au/alexander-heifetz/

Next month’s interest rate decision is shaping up as one of the easiest calls the RBA has had in years, yet the policymakers sit frozen as the economy...

02/06/2026

Australia has never had a death tax. We've long prided ourselves on that, and many Australians have structured their estates carefully, knowing their wealth could pass to the next generation without the government taking a cut simply because they died.

But buried in Treasurer Jim Chalmers' 2026-27 Budget are changes that estate planning lawyers and financial advisers are now calling exactly that - a death tax in disguise.

It wasn't announced with fanfare. There was no press conference explaining what it means for ordinary families who've spent decades building wealth through property and shares. But the implications are significant, and if you have a will, a family trust, or any intention of passing wealth to your children or grandchildren, you need to understand what's changed.

👉 The 2026-27 Budget introduces a 30% minimum tax on discretionary trust income from 1 July 2028, including many new testamentary trusts created after Budget night.

👉 Testamentary trusts have traditionally helped families protect inherited assets and distribute income tax-effectively among beneficiaries, including children.

👉 Existing testamentary trusts already “in existence” before 12 May 2026 are exempt, but most future trusts created through wills may lose these tax advantages.

👉 Estate planning lawyers and advisers are alarmed because the changes were introduced without consultation and could act like a “death tax in disguise.”

👉 Families reviewing or updating their wills should seek specialist estate planning advice now, as the final legislation and long-term tax implications are still uncertain

Please do not hesitate to contact me for more information or for any help with your finance needs including purchase of first home, new owner-occupied or investment property, refinance, construction and renovation, personal, business, commercial or car loans.

I work in all Australian states and with clients located overseas (expats, foreigners with Australian Permanent or Temporary Resident Visa).

Talk to me: https://broker.loanmarket.com.au/alexander-heifetz/

Australia has never had a death tax. We've long prided ourselves on that, and many Australians have structured their estates carefully, knowing their...