Sindhu V Raj - Questar Finance

Sindhu V Raj - Questar Finance Turning home dreams into reality 🏡✨ Less stress, smarter loans, and finance that actually fits your life.

First home, investment, or refinance, let’s make it happen!

01/06/2026

Negative gearing is back in the spotlight.

Most people know the headline.

Far fewer people know what happened the last time Australia changed the rules.

The bigger question isn't what happens tomorrow.

It's what happens over the next few years as investment properties change hands and housing supply evolves.

Do you think these changes will improve affordability, reduce rental supply, or have very little impact at all?

👇 Let me know your thoughts.



General information only. Views expressed are my own and are based on publicly available information and historical market observations. This content is not financial, credit, tax, legal or investment advice. Future market outcomes are uncertain and may differ from historical trends.

25/05/2026

The kind of messages I’ll never get tired of 🏡💚

15/05/2026

A lot of investors are focusing on what they may lose through negative gearing changes…

But many haven’t realised what could happen at SALE time through CGT changes. That’s where the numbers can get very serious very quickly.

Curious to know what people think about this one.

General information only. Please speak with your accountant or tax adviser before making financial decisions.

mortgagebroker realestateaustralia

CGT changes Australia
Capital gains tax
Negative gearing
Property investors Australia
Investment property tax
Australian property market
Property tax changes
Investment property Australia

12/05/2026

Budget night property update 🚨

Here’s what property investors need to know from tonight’s Federal Budget.

• Existing investment properties expected to be grandfathered
• Negative gearing likely shifting mainly towards new builds from July 2027
• CGT changes proposed towards an indexation style model
• Investor strategy matters more than ever now

Biggest takeaway?
Don’t make emotional decisions based on headlines tonight.

The market will now reward smart structuring, long term thinking and understanding where policy is heading.

If you’re wondering how this could affect your borrowing power, future investment plans or next purchase, send me a DM saying “BUDGET”.

12/05/2026

Property value is influenced by a lot more than just the house itself.

Location, market trends, condition, upgrades and even the surrounding area can all impact what a property is worth. đź‘€

Thinking of buying, refinancing or checking your equity position? Let’s chat.

05/05/2026

Not a surprise… still not good news.

Cash rate now at 4.35%, highest in 18 months.
+25bps just announced minutes ago.

This is exactly why I structure loans for different rate scenarios, not just the best case.

General information only, not personal advice.
Sindhu V Raj | Authorised Credit Representative 549315 Under ACL 389087

29/04/2026

Everyone's asking me, Sindhu, rates are going up, the market's crashing, should I just give up on property?
Here's what I actually think. 👇

We did this in 2022. Thirteen rate hikes. Prices dipped, yes. But the people who waited for it to feel safe? They bought at the peak in 2025 when everyone rushed back in.

Right now fewer buyers are in the market. Less competition at auction. More room to negotiate. That's not a crisis, that's a window.

Melbourne has chronic undersupply, population growing faster than any other city, and rentals sitting at 1.5% vacancy. The fundamentals haven't moved.
So the question isn't if. It's whether you're finance ready when the window closes.

đź”— Link in bio.


đź“Ť Melbourne, VIC

31/12/2025

All I want in 2026

peace, clarity, good health & a calm mind 🤍

Choosing growth.
Choosing peace.





❤️

30/12/2025

This is a real property sale from Collins Street, Docklands.

The apartment sold in 2015 and again in 2025 — and the price went backwards.

This is why I always say:
✔️ Property investment is not guaranteed
✔️ Location alone isn’t enough
✔️ Apartment oversupply matters

If you’re buying in Melbourne or Australia, understanding what actually grows is more important than following trends.

Data beats hype. Always.



25/12/2025

Merry Christmas 🎄✨
Wishing you joy, warmth & abundance.

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Melbourne, VIC
3148

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