Your Right Hand Man

27/05/2026

The Federal Government's Budget announced on 12 May 2026 proposed changes to negative gearing. While these changes have been announced, they are still to be passed into law. Negative gearing for residential properties purchased after 12 May 2026 will be limited to 'new builds'.
Can you gain loan approvals from Lenders with negative gearing included in the serviceability assessment of your application? Yes, you can!

Contact David Lee on 0488 788 571 or message Your Right Hand Man for a free assessment of your eligibility.

ANZ have advised the following:
* Properties where the fully executed contract of sale was entered into on or before 12 May 2026 remain eligible to use negative gearing in our serviceability assessment
* Properties where the fully executed contract of sale was entered into after 12 May 2026 and where the loan application is not approved unconditionally by close of business Thursday 28 May 2026 will only be eligible to use negative gearing in our serviceability assessment where they meet the definition of ‘new build’ as assessed by ANZ.

What is a 'new build'.

19/05/2026

Are you close to retirement? Would you like to discuss how you can prepare, with passive income, to ensure you can enjoy it?

The Budget release should prompt a serious reassessment for all close to retirement.

* Are you making full use of the tax-effective retirement system already built for you?
* Are you making full use of concessional contribution caps?

These are questions for your Financial Planner or Accountant. However, YRHM can assist by reviewing your current situation and proposing a consult with either (we can refer these professionals to you). As your advocate, we can assist and support you in asking the hard questions and ensure your understanding of the information that is provided. As a team, we can help to outline a retirement structure that allows for investment options to provide passive income, along with the most suitable finance lending structure if required.

Call David Lee on 0488 788 571 or message Your Right Hand Man. Let's see what is possible.

19/05/2026

For investors, one of the significant advantages of purchasing a house and land package is the depreciation benefits and capital growth potential. As new builds, these properties provide significant tax-saving opportunities.

One of the most significant advantages of Melbourne house and land packages is their affordability. Below is a comparison of the typical costs involved when buying a house and land package versus purchasing an established home in Melbourne’s outer suburbs:

Location
Tarneit H&L $650k Est $800k
Clyde North H&L $590k Est $740k
Wyndham Vale H&L $620k Est $770k

In these examples, the house and land packages are on average $150k cheaper than purchasing established homes in the same areas. The affordability gap is significant, especially considering the space you get with a brand-new home.

Stamp duty savings can make H&L packages more cost effective.
Stamp duty is one of the most significant costs when purchasing a home. With house and land packages, YOU ONLY PAY STAMP DUTY ON THE LAND, not the total property value. This can save thousands compared to buying an established home!

Here’s an example of how much you could save in stamp duty when purchasing a house and land package:

Total Property Value: $600k (land + house)
Stamp Duty on Land Only: $250k
Stamp Duty Savings: Approx. $8k (as the savings come from only paying on the land component)
This stamp duty saving could be substantial, particularly for first-home buyers.

Modern home - modern features. Here are some features you might find in a modern house and land package that you most likely won't find in an established build.

Solar Panels: Save on electricity bills while reducing your carbon footprint.
Smart-Home Technology: Control lighting, temperature, and security from your phone.
Energy-Efficient Appliances: New homes are built with energy-saving features like LED lighting, energy-efficient heating and cooling systems, and modern insulation.
Lower Maintenance Costs And Builder Warranty Benefits

If you would like more info on what might be possible for you, please call David Lee on 0488 788 571 or send Your Right Hand Man a message.

Call now to connect with business.

12/05/2026

Do you need access to some funds quickly? We can assist with a personal loan from Pepper Money.

Contact David Lee on 0488 788 571 or message Your Right Hand Man. Quick and easy with competitive interest rate. Suitable for home reno/repair (no invoice required), debt consolidation, travel, legal fees etc... Approval in 2 hours and funds available the next day.

Loan limit up to $50k unsecured, up to $100k secured, no fees. Variable loan purposes accepted. Suitable for newly employed or on probation (skilled workers). 2nd job income - no shading (full income considered). Self employed acceptable, casually employed - min 3 months. Workcover applicants can also be considered.

11/05/2026

YRHM offers national investment property options, including Melbourne! Contact David on 0488 788 571 or message Your Right Hand Man to discuss what might be possible for you. We can provide great metrics for suitable options, providing reliable information and assurance for perfect options that fit your financial profile.

• Melbourne house and land package pricing remains competitive compared to other states, continuing to attract interstate investor enquiry.
• Titled and near-titled land remains available across a number of key estates, allowing quicker site starts and delivery timeframes.
• We continue to see strong enquiry across investment-focused products, including but not limited to Dual Key homes, co-living and Class 1B rooming houses.

Call now to connect with business.

04/05/2026

Contact David on 0488 788 571 or message Your Right Hand Man for an obligation and cost free consultation. Great options also available in Brisbane, Adelaide and Melbourne, in high demand areas which are certainly worth considering.

https://www.facebook.com/share/v/1EMHTSeJ87/?mibextid=wwXIfr

29/04/2026

YRHM offers Mortgage Broking Services.

Call David on 0488 788 571 or message Your Right Hand Man for an obligation and cost free chat to find out what might be possible.

Have you refinanced your home loan recently? Why should you?

$$$ Access cash from your home equity for a holiday, reno or an investment property.

Call now to connect with business.

20/04/2026

Another EOFY is approaching. Are you able to reduce your taxable income so you pay less tax? Are you considering an investment property but not sure where to invest?

Call David on 0488 788 571 or send YRHM a message. Let's see what is possible, for you!

YRHM has proudly provided advice to clients for great property investments for this purpose. Not only are they receiving tax credits and paying less tax, but they are watching the capital growth increase with their properties being purchased in the BEST locations.

YRHM can provide reliable and accurate info on property options nationally around Australia. The WA market continues to provide great options, but demand for land is very high. Other feasible locations are:

City of Wyndham in Victoria
- one of the fastest growing housing markets in Australia.
- very affordable for first time investors.
- $60b for infrastructure projects planned and underway.

City of Hume in Victoria
- local economy has exploded 8.8% in the last 12 months.
- Australia's most connected city with 5 major road networks.

Ipswich Queensland
- designed to be the perfect place to live.
- population growth 150%, higher than Australia's average.
- Brisbane's 2nd CBD.

Townsville Queensland
- tourism, mining, defence industries.
- low 3.4% unemployment rate.
- high rental yields.
- prosperous and diverse economy.
- $19b makeover of CBD. $251m port expansion, $530m hospital
upgrade and $1.2b allocated for further infrastructure projects.

Call now to connect with business.

16/01/2026

Happy 2026! YRHM hopes the year has started well for all.
Below is a recent update on the Perth housing market.
If you are interested in considering an investment property in WA, feel free to contact us by sending a message to Your Right Hand Man, or call David Lee on 0488 788 571.

Perth housing market growing at ‘unsustainable’ $5000 per week.

House price growth in WA is outstripping the rest of the nation – rising at an “unsustainable” rate of $5000 per week according to new data.

Perth home values rose 2.4 per cent in November to $955,832, beating out all other capital cities according to Cotality.

Nationally prices rose 1 per cent on average, and there are tentative signs the Sydney and Melbourne housing markets are starting to cool.

Research Director Tim Lawless said Perth was experiencing extraordinary rates of growth in comparison. “In dollar terms, it means Perth’s housing market is rising in value at about $5000 a week,” he said.

“So I think pretty quickly we’re going to be starting to see some more substantial affordability constraints and serviceability constraints getting in the way of such an unsustainably high rate of growth.”

He said that housing values were climbing by about four times the pace of wage growth nationally!

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20/11/2025

Perth suburbs and surrounding areas continue to experience high growth and strong performances. Some suburbs are as high as 42.9%! Buyer and rental demand continues to remain high.

Mandurah is also continuing to show strong performance, particularly in house price growth and investment opportunities. The Mandurah area has seen the highest median house price growth in the past 12 months at +31%.

Suburbs that are great for first home buyers and investors, are Wellard, Yanchep, Eglinton, Byford, Baldivis, Anketell, and Ellenbrook.

Kingsway Is listed as one of the best suburbs for investment in 2025.
Piara Waters also appears on the list of best suburbs for investment in 2025.
Madora Bay has a median house price growth of 29.2%.
Eglinton has seen a growth of 23.3%.
Clarkson has a growth rate of 26.8%.

These suburbs often feature a combination of factors like strong population growth, improving infrastructure, and being more affordable entry points into the market.

Please call David on 0488 788 571 or message Your Right Hand Man If you are interested in discussing the tax benefits of an investment property, along with potential capital growth for future investments.

Call now to connect with business.