12/05/2026
🚨 Federal Budget 2026 Update – What It Means for Property Investors & Home Loans 🏠
The latest Federal Budget has introduced some BIG changes that will impact investors and the mortgage market. Here’s a simple breakdown 👇
🔹 Negative Gearing ChangesFrom July 2027, negative gearing will only apply to new builds. Existing properties will no longer have the same tax benefits (current investments remain unchanged).
🔹 Capital Gains Tax (CGT) UpdateThe current 50% CGT discount is being replaced, meaning higher tax on investment property profits in the future.
🔹 Push for New HousingThe government is investing billions to boost new home construction, encouraging investors to buy or build new properties.
🔹 Foreign Buyer Restrictions ExtendedBan on foreign buyers purchasing existing homes extended to 2029.
💡 What this means for you:✔️ Investors may shift towards new builds✔️ There could be a short-term rush to buy before 2027✔️ First home buyers may find less competition✔️ Strategy is now more about cash flow & long-term growth
📊 From a mortgage perspective:
We expect more demand for construction loans and new property purchases, while lending for existing investment properties may slow down over time.
👉 If you’re thinking about buying, investing, or refinancing, now is the time to review your strategy.
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Feel free to reach out – happy to guide you through your options.