Excel Financial Solutions

12/05/2026

12/05/2026

Key Budget Announcements
1. Negative Gearing Changes

The biggest announcement is that negative gearing will largely be restricted to newly built properties only for investments purchased after Budget night.

What this means:
Existing investors keep current benefits (“grandfathered”).
Future investors buying established homes may lose negative gearing tax deductions from July 2027.
New builds remain eligible to encourage construction.
Impact:
For Property Owners / Investors
Existing investors are mostly protected.
Investors may shift toward:
new developments
house & land packages
off-the-plan properties
Established investment property demand may soften.
For First Home Buyers
Less investor competition for established homes.
Potentially slower property price growth.
Easier entry into the market over coming years.
2. Capital Gains Tax (CGT) Reform

The Government announced major CGT changes.

Current system:
Investors receive a 50% CGT discount after holding property for 12 months.
Proposed change:
The 50% discount will move to an inflation-adjusted indexation model.
A minimum 30% tax on gains is also proposed.
Impact:
Investors
Lower after-tax profits on future property sales.
Property becomes less attractive purely for speculative investing.
Long-term wealth strategy becomes more important.
First Home Buyers
Government hopes this reduces investor demand and price pressure.
3. More Housing Supply Funding

The Budget includes:

$2 billion Local Infrastructure Fund
Funding for roads, sewerage, utilities and housing infrastructure
Support for approximately 65,000 new homes nationally.
Impact:
More land supply
Faster housing developments
Strong opportunities in growth corridors and regional areas
4. Foreign Investor Restrictions Extended

The ban on foreign investors purchasing existing residential properties has been extended until 2029.

Impact:
Less competition in established housing markets
Supports local buyers
Winners & Losers
Winners
First home buyers
New home builders/developers
Construction sector
Buyers targeting house & land packages
Regional growth areas
Potential Losers
Future investors buying established properties
High-income investors relying on tax benefits
Short-term speculative investors

05/05/2026

📈 **RBA Rate Update – What It Means for You**

The Reserve Bank of Australia has increased the cash rate by **0.25%**, moving from **4.10% to 4.35%**.

💡 **What does this mean?**

* Higher mortgage repayments for homeowners
* Increased pressure on household budgets
* Potential impact on borrowing capacity
* Opportunities for smarter financial planning

At **Excel Financial Solutions**, we help you stay ahead of rate changes and make informed financial decisions.

✅ Review your home loan
✅ Reassess your financial strategy
✅ Explore better options tailored to you

📞 Get in touch today to understand how this rate rise affects you and what you can do next. call 1300 300 759

16/02/2026

Feel the power of saying — “I Am Protected with Excel Financial Solutions.”

Because with Excel, protection means something bigger.

It means your entire financial world is covered under one trusted partner:

I – Investment 🏡
Strategic real estate investment guidance to help you build long-term wealth and grow your property portfolio with confidence.

A – Accounting 📊
Accurate tax returns, BAS, business accounting, and financial reporting that keep you compliant and financially clear.

M – Mortgage 💰
Smart home and business lending solutions structured to support your goals and cash flow.

P – Protection 🛡️
Life Insurance, TPD, and Income Protection strategies designed to secure your income, family, and future.

This is not just financial support.
This is complete financial alignment.

From building wealth to protecting it — Excel Financial Solutions brings every piece together under one roof.

No confusion. No multiple advisors. No gaps in strategy.
Just clarity, structure, and confidence.

Ready to truly say, “I Am Protected”?

📞 Speak with Biren Joshi today on 0433 197 164
Let’s secure your investments, structure your finances, fund your goals, and protect your future.

Excel Financial Solutions — Your All-in-One Financial Partner.

26/01/2026

🇦🇺 Happy Australia Day 🇦🇺
A day to celebrate our nation, its people, and the shared values that bring us together.

At Excel Financial Solutions, we’re proud to support individuals, families, and businesses across Australia with trusted financial guidance, clarity, and confidence — today and every day.

📞 Looking to plan your financial future with confidence? Speak with Biren Joshi on 0433 197 164

13/01/2026

Trusted by Clients. Proven by Results. ⭐⭐⭐⭐⭐

Nothing speaks louder than the words of our clients. At Excel Financial Solutions, we’re proud to build long-term relationships based on trust, transparency, and real results.

From tax & accounting to SMSF, bookkeeping, mortgages, and protection, our clients choose Excel because they value clarity, confidence, and expert guidance at every step of their financial journey.

If you’re looking for a financial partner who truly understands your goals — you’re in the right place.
📞 Speak with Biren Joshi today on 0433 197 164

Let’s simplify your finances and help you move forward with confidence.

Call now to connect with business.

03/01/2026

🚨 Aussie Economy Alert! Is another RBA rate hike on the cards for February? 🚨
Inflation in Australia is proving to be a stubborn beast! After some rate cuts in 2025, inflation has creeped back up towards the end of the year:
⬆️ Headline Inflation: Hit 3.8% (October/November 2025)
⬆️ Core Inflation: Sitting at 3.3%
Rising rents, electricity costs, and insurance premiums are the main culprits pushing prices higher.
This means there's serious talk that the Reserve Bank of Australia (RBA) might RAISE interest rates at their next meeting on February 3, 2026! 😲
What are the chances?
Some major banks (CBA, NAB) are predicting a 0.25% hike, while others (Westpac, ANZ) see a "hold" but with a clear bias towards tightening. The market is pricing in about a 34-36% chance.
The BIG Decider: We're all waiting for the Q4 2025 CPI data release on January 28, 2026. If inflation remains hot, brace yourselves for a potential rate rise!
What do you think the RBA will do? Share your predictions below! 👇

01/01/2026

✨ Happy New Year from Excel Financial Solutions ✨

As we step into a new year, it’s the perfect time to gain clarity, strengthen your financial foundation, and move forward with confidence. Whether it’s smarter tax planning, accurate accounting, strategic SMSF advice, or end-to-end financial support — Excel Financial Solutions is here to help you start the year right and stay ahead all year long.

Thank you for trusting with your financial journey. We look forward to supporting your goals, growth, and long-term success in the year ahead.

📞 Start the new year with confidence.
Call Biren Joshi on 0433 197 164 today for personalised financial guidance and expert support tailored to your needs.

25/12/2025

🎄 Merry Christmas from Excel Financial Solutions 🎄

As the year comes to a close, we want to take a moment to thank our clients, partners, and community for placing their trust in Excel Financial Solutions. Your continued support inspires us to deliver clarity, confidence, and smarter financial outcomes every step of the way.

This festive season, we wish you and your loved ones a Christmas filled with peace, joy, and meaningful moments. May the year ahead bring fresh opportunities, financial growth, and well-planned success — both personally and professionally. ✨

If you’re looking to start the new year with confidence, our team is here to support you with accounting, tax, SMSF, bookkeeping, lending, and protection solutions tailored to your goals.

🎁 Merry Christmas & Happy Holidays!

📞 Planning for the new year? Call Biren Joshi today on 0433 197 164 and let’s talk finance.