Jobin Mani - Mortgage Broker/Property Developer

28/05/2026

In early 2019, Gabi and I started Dashdot with a grand ambition to "help 10 people make better property investing decisions".

28/05/2026

25/05/2026

Is investor activity set to fall? | Cotality

24/05/2026

https://www.facebook.com/share/v/1Guq3zXfXg/?mibextid=wwXIfr

24/05/2026

Investors buying established properties could soon see borrowing capacity drop by 10–20%.

Under the new negative gearing changes, banks may no longer include future tax benefits when assessing investor loans for established homes.

Example:A borrower earning $100,000 with no existing debt could see borrowing power fall from around $750K to $600K despite no change in income or expenses.

This is a major shift for investors targeting established properties.

What this could mean:
▪️ Lower investor demand for existing homes
▪️ Less competition against first home buyers
▪️ Investors shifting towards new builds
▪️ More focus on positive cash flow properties
▪️ Potential slowdown in price growth across some established markets

The investment landscape is changing quickly and serviceability may now become a bigger challenge.

14/05/2026

The real question with the proposed CGT and negative gearing changes is not whether current investors lose benefits immediately.

The bigger question is:👉 How will the market react over time?

When investors decide to sell, will buyers still prefer established homes if new builds continue offering better tax benefits, depreciation, or incentives?

A few important questions:

How will this affect regional investors who rely on yield and affordability?

How will investors compete in growth corridors where buyers can simply buy land and build new?

Changing tax policy could change buyer behaviour, resale demand, and rental pressure for years to come.

12/05/2026

Budget 2026 – CGT Changes in a Nutshell

What Is Changing?

From 1 July 2027, the current:• 50% Capital Gains Tax (CGT) discount

will largely be replaced with:• An inflation-indexed CGT calculation system• A minimum 30% tax rate on capital gains

How It Affects Existing Investment Properties

If you already own an investment property before 1 July 2027:

• You are largely protected under transitional arrangements• The current 50% CGT discount still applies to gains accumulated up to 1 July 2027• After that date, future capital growth moves under the new indexed CGT system

In Simple Terms

Your property effectively gets a “reset” valuation at 1 July 2027.

Example:• Property value on 1 July 2027 = $1 million• Sold later for $1.3 million

The gain:• Up to $1 million → old CGT rules apply• Growth after $1 million → new indexed CGT rules apply

Important Exception

New residential builds are expected to retain access to the 50% CGT discount even after 1 July 2027.

12/05/2026

Budget 2026 – Negative Gearing Changes in a Nutshell

What Is Changing?

From 1 July 2027, negative gearing for residential property will largely be restricted to new builds only.

Existing Investment Properties

If you already own an investment property at the announcement date:• You can continue negative gearing under the current rules until the property is sold• This also includes contracts already exchanged but not yet settled• Existing investors are protected through grandfathering arrangements

Properties Purchased Before 1 July 2027

• Established residential properties purchased between the announcement date and 30 June 2027 may still be negatively geared during that period• However, from 1 July 2027 onward, those properties will no longer qualify for future negative gearing benefits unless covered under grandfathering provisions

Properties Purchased From 1 July 2027

• Established residential properties purchased from 1 July 2027 will not be eligible for negative gearing

Important Exception – New Housing Supply

New builds can continue to be negatively geared both before and after 1 July 2027.

This may include:• New homes• Townhouses• Duplexes• Apartments• Developments adding additional housing stock

The policy direction is clearly aimed at encouraging investment into creating new housing supply rather than existing properties.

10/05/2026

Landlords who currently negatively gear properties in Australia will be exempted from the changes to be unveiled on budget night sparing millions of property investors. News.com.au has confirmed that an estimated one million landlords that currently negatively gear properties will be spared losing t...

07/05/2026