Johnathon Ross - Finance Broker

21/05/2026

Could building an investment property soon become the smarter play? 👀

Following recent Federal Budget announcements, there’s growing discussion around potential tax and CGT changes from 2027 that may significantly favour new build investment properties over established homes.

Some of the proposed changes being discussed include:

✔ Changes to negative gearing on established investment properties
✔ Different CGT treatment for established homes
✔ New builds potentially retaining stronger tax concessions
✔ Better depreciation benefits on brand new properties
✔ Lower stamp duty outcomes in some cases

Some industry analysis suggests the difference over a 10-year period could be substantial for investors, with potential outcomes in the vicinity of $250k+ depending on circumstances.

If these changes proceed, we may see stronger investor demand shift toward new builds.

The takeaway? If investing is on your radar, it may be worth understanding your options early.

**As always, everyone’s situation is different and tax advice should be sought.

19/05/2026

🙌🏾🙌🏾🙌🏾

08/05/2026

07/05/2026

🚨 Big news for WA First Home Buyers 🚨

The WA Government has announced major increases to Stamp Duty concessions and the First Home Owners Grant thresholds 👏

Here’s what’s changing:

🏡 No stamp duty on homes up to $600,000
🏡 Concessions available up to $800,000
🏗️ Vacant land exemption increased to $450,000
💰 FHOG property cap increased from $750,000 to $800,000

These changes could save eligible first home buyers up to $22,515 when purchasing a home, or up to $25,390 when building 🔥

Massive win for first home buyers trying to get into the market 🙌

If you want to understand how these changes could affect your borrowing power or buying options, feel free to reach out 📩

16/04/2026

BIG news for WA home buyers 👇

Recent updates mean you may now be able to purchase up to $860,000 with as little as a 2% deposit… and no LMI.

On top of that, income limits have increased, meaning more people could now be eligible.

For a lot of buyers, this could be the difference between waiting… or getting into the market sooner.

If you’ve been sitting on the sidelines, now might be the time to revisit your options and see if you qualify.

02/04/2026

👌🏾👌🏾👌🏾

31/03/2026

The deposit isn’t the hard part…

It’s everything else people don’t tell you about.

Stamp duty.
LMI.
Fees.
Inspections.

These can add tens of thousands on top of your deposit 🤯

The good news?
There may be ways to reduce or avoid some of these costs.

If you’re thinking about buying, it’s worth knowing your options first

18/03/2026

Good to have Michelle from come out this morning to provide an update on their new products and policies.

Some good changes regarding self employed, overseas and income. New product/policy which will assist the Modular building clients. HECS and Medico policies updated!

With the announcing the new rate rises today if you need your home loan reviewed please reach out!





firsthome

12/03/2026

Interest rates going up doesn’t just affect repayments.

With inflation still sitting above the RBA’s target, more rate rises could be on the horizon.

When rates rise:
⬆️ Repayments increase
⬇️Borrowing power decreases

Meanwhile property prices don’t always wait.
That combination can make buying later harder than buying sooner.

If you'd like to understand your current borrowing capacity, I’m happy to help 📩

09/03/2026

👏🏾👏🏾👏🏾