Capital Property Advisory

Capital Property Advisory National Advisory & Buyer's Agency | Portfolio Reviews & Strategic Planning | Property Management | Finance & Mortgage Broking

Independent Property Acquisition Specialists, Qualified Property Investment Advisers (QPIA®) and Subdivision & Development Consultants and Project Managers.

2025 P**A National Property Investment Adviser of the Year. Here's why that matters for you right now, more than ever.In...
18/06/2026

2025 P**A National Property Investment Adviser of the Year. Here's why that matters for you right now, more than ever.

In a market full of noise, experience and credentials matter. Working with a qualified, independent adviser - one who is accountable to a professional body - is more important than ever in a complex regulatory environment.

Tap the link in bio to book a finance and portfolio review and strategy session with one of Australia's most trusted advisers.

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I've been a buyer's agent for 12 years. I've seen every scare, every policy change, every "the market is dead" headline....
16/06/2026

I've been a buyer's agent for 12 years. I've seen every scare, every policy change, every "the market is dead" headline.

12 years. Many market cycles around the country observed and analysed. Every tax change. Every doomsday prediction by the sensationalist media.

The fundamentals always win.

Location. Supply and demand. Quality assets. Long-term thinking. That hasn't changed. It never will.

As a current P**A Board Director and QPIA member for over a decade, I've been in the room for a lot of conversations sin...
15/06/2026

As a current P**A Board Director and QPIA member for over a decade, I've been in the room for a lot of conversations since the Budget. Here's what the industry is actually saying.

The professionals are aligned: the fundamentals haven't changed. Established property is often still your best bet - if you have the capacity to cash-flow the negative gearing, knowing you are banking these losses for future benefit. Market timing and asset/suburb selection are more valuable than ever. And long-term thinking remains the foundation of a sound property investment strategy.

We have developed a range of new tools and strategies to assist investors who perhaps don't have the disposable income to support the holding costs on established property anymore. Contact us to learn more.

The noise will pass. The CPA team's approach to strategic planning and advice has become more onerous and far more complex, but we have adapted quickly and our proven investment philosophies will endure.

General information only. Not financial advice.

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The Budget was designed to help renters and first home buyers. It may do the opposite. Here's the uncomfortable truth.If...
12/06/2026

The Budget was designed to help renters and first home buyers. It may do the opposite. Here's the uncomfortable truth.

If investors exit the established property market, rental supply drops. Fewer rentals means higher rents. The people the Budget was supposed to help — renters and first home buyers — could end up worse off.

This is the unintended consequence nobody in Canberra seems to want to talk about.

General information only. Not financial advice.

Everyone is talking about what the Budget took away. Nobody is talking about what it kept. The carry-forward rule is a s...
11/06/2026

Everyone is talking about what the Budget took away. Nobody is talking about what it kept. The carry-forward rule is a significant silver lining.

Under the new rules, rental losses on established properties can't be offset against your salary. BUT they don't disappear.

They carry forward indefinitely - against future rental income or capital gains when you sell.

In practice: if you hold a property for 10 years and sell it, all those accumulated losses reduce your capital gain. The tax benefit is deferred, not lost.

Want to model it for your next move you are considering? We have all of the tools to compare different asset types and structures and run projections over 10 and 20 years to arm you with all you need to make the optimal decisions for your future. Over a decade or two, the wrong decision could cost you hundreds of thousands of dollars. DM us to request a meeting.

General information only. Not financial advice.

You asked. I answered. The top 5 questions from the last three weeks - answered.1. Am I grandfathered? If you owned or w...
10/06/2026

You asked. I answered. The top 5 questions from the last three weeks - answered.

1. Am I grandfathered? If you owned or were under contract before 7:30pm 12 May - yes.
2. Are new builds still worth it? This answer is entirely client dependent. For some investors, new builds may be the best option under the new rules. Full negative gearing and CGT discount are retained, plus depreciation benefits. However, finding and securing a new asset worth owning is key - many new builds exist in fringe areas where future supply risk is great. Don't be blinded by tax outcomes - focus always on the investment fundamentals first.
3. Should I sell before July 2027? Probably not. Transitional rules protect existing gains up until this date when the indexation method will be applied and used moving forward only from this date. If you have held an asset for 5 years and continue to hold for a year or two beyond this date, the impact on your CGT will be minimal when pro-rated.
4. What about my SMSF? SMSFs are exempt from the negative gearing or CGT changes and are a great vehicle to invest in from a tax perspective, despite a higher interest rate being applicable. Talk to your financial adviser and then CPA about this if you are considering this move.
5. What's the best market right now? Depends on your brief and budget; however, Melbourne and Geelong are hard targets for us at the moment and we feel they represent the best value proposition as a counter-cyclical play in the country. Especially with rental growth now placing Melbourne as the highest yielding major capital in the country.

Drop your question in the comments and I'll answer it.

General information only. Not financial advice.

Four weeks since the Budget. The dust is settling. The opportunity is becoming clearer."The best time to buy property wa...
09/06/2026

Four weeks since the Budget. The dust is settling. The opportunity is becoming clearer.

"The best time to buy property was 10 years ago. The second best time is now — if you understand the new rules and how they apply to you and your specific circumstances - expert cash flow modelling, strategic planning and asset selection have never been more complex, or critical to an investors future success."
— Matthew Hughes, Capital Property Advisory

What's your biggest question about investing in the new environment? Drop it below.

$3.6 billion. That's what the government expects to raise from these changes. Here's what that number actually tells us ...
08/06/2026

$3.6 billion. That's what the government expects to raise from these changes. Here's what that number actually tells us about the market.

Treasury estimates the negative gearing and CGT changes will raise $3.6 billion over the forward estimates. That's a relatively modest number. It tells us the government expects most investors to adapt — not exit.

The smart investors will adapt. They'll shift to new builds, restructure their portfolios, and continue to build wealth.

The question isn't whether to invest. It's how to invest in the new environment. We can help.

General information only. Not financial advice.

Melbourne inner north. 34.6% in 3 years. Grandfathered under the old rules.The Budget doesn't change this client's posit...
05/06/2026

Melbourne inner north. 34.6% in 3 years. Grandfathered under the old rules.

The Budget doesn't change this client's position one bit. Long-term fundamentals. Right suburb. Right asset.

General information only. Not financial advice. Past results are not indicative of future performance.

Cost base indexation. The most important new term in property investment. Here's what it actually means in plain English...
04/06/2026

Cost base indexation. The most important new term in property investment. Here's what it actually means in plain English.

The tax office strips out the inflation component first — using CPI — and only taxes the real gain above inflation. Then a 30% minimum tax applies to that real gain.

For long-term holders, this is often a better outcome than the old 50% discount.

General information only. Not financial advice.

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512 Hay Street
Subiaco, WA
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