Chipkie, Sydney (2026)

23/08/2026

🏠 Superannuation was traditionally viewed as the key to retirement, while the family home was expected to be the inheritance. However, times are changing, and many are reconsidering these assumptions. Questions arise: Can funds be withdrawn early to support buying property? Can a Self-Managed Super Fund (SMSF) hold the family’s next investment property? What impact do these choices have on home loan applications?

The reality is that superannuation is one of the most tightly regulated financial resources, designed primarily for retirement, not for assisting adult children with property deposits unless a specific condition of release is met. Helping family alone does not qualify.

Understanding these rules is essential for effective financial planning and ensuring the best outcomes. For more insights, visit: https://www.thechipkie.com.au/

🤔 What strategies are being considered for adapting family property planning in today's financial landscape? Share thoughts below!

How super changes family property plans in 2026: early release limits, SMSF property rules and what lenders accept as a deposit. See what you need to know.

15/08/2026

Every few months, rumors swirl about changes to SMSF property rules that supposedly allow parents to help kids buy a first home through their self managed super fund. Despite the buzz at dinner tables, Facebook groups, and mortgage offices, these claims are often inaccurate and can lead to costly mistakes. The truth? The core rules on SMSF investments in residential property haven't relaxed, and the Australian Taxation Office is actually increasing compliance scrutiny. Understanding this can save significant costs beyond just a missed deposit. Stay informed and avoid misinformation! Learn more from the experts at The Chipkie Team. For full details, visit https://www.thechipkie.com.au/blog/smsf-property-rules

Every few months a new wave of talk about SMSF property rule changes sweeps through dinner tables, Facebook groups and mortgage broker offices — usually

15/08/2026

Asking family to invest in a business is tough but common. Success often hinges less on the pitch and more on setting clear, agreed-upon terms upfront. 🤝 Families don’t usually disagree about lending money—they clash over vague expectations and delayed profits. With bank loans harder to access, family funding can be a smart first step if handled carefully. Remember, a well-structured agreement means cheap, patient money—not family feuds. Ready to navigate this important conversation? Learn more here: https://www.thechipkie.com/blog/asking-parents-for-business-funding

Pitch with confidence: How to Ask Your Parents for Business Funding, structure the money as a gift or loan, and protect the relationship. Find out how.

09/08/2026

Think an SMSF can buy property just like buying personally? Think again! The rules around borrowing within Self Managed Super Funds (SMSF) in Australia are super strict and closely monitored by the ATO. Get it wrong, and penalties can be severe—from fines to losing your fund’s compliance status. This guide breaks down how borrowing really works through a Limited Recourse Borrowing Arrangement (LRBA), the common pitfalls, and what to watch for before signing on the dotted line. Ready to avoid costly mistakes and learn more? Dive in here: https://www.chipkie.com.au/blog/smsf-property-borrowing-rules 🚀💡

If you have been told that your self managed super fund can simply buy an investment property the same way you would personally, you have been told wrong. The

05/08/2026

🏠 Feeling stuck on how to ask parents for a down payment on your first home? You're not alone! Nearly 23% of first-time buyers get help from family, turning parents into some of the biggest informal lenders around. But let’s be honest, that chat can be super awkward. Here’s a tip: prepping a clear, written financial summary before talking can massively boost chances of a yes and keep everything clear legally. 👌 Ready to make that conversation easier and protect the relationship? Dive into the full guide here: https://www.thechipkie.com. What’s your biggest worry about asking for help? Share your thoughts below! 👇

Discover practical tips on how to ask parents for deposit money for your first home, plus scripts and strategies for 2026. See what you need to know.

01/08/2026

Ever received a big family gift to jumpstart your business? That instant cash influx might seem like a dream, but it can turn into a tricky puzzle down the road. Imagine the $150,000 from a beloved relative arrives with no formal agreement—no terms, no lawyer, just goodwill. Fast forward 18 months and that warm hug might become a legal headache when real investors want transparency. 🧐 In 2026, seed rounds are slower, so many founders bridge funding with family. But undocumented family money rarely stays simple—it could be called a gift by the IRS, or an unresolved equity claim by future investors. Even a sibling might think they own part of the company! Get the full story and protect your startup’s future at The Chipkie Team. Ready to navigate family capital smartly? Dive deeper here: https://www.thechipkie.com/personal-finance/family-capital-expensive-money-2026

Structure a family loan for startup funding without losing equity or control. AFR rates, convertible note traps, and SEC rules for 2026. See what you need to know.

25/07/2026

💡 Money and family ties can get complicated fast—especially when financial help turns into stress or resentment. The cost-of-living crisis in 2026 has made it tougher for many households. Setting clear money boundaries with family may be challenging, but it protects relationships and your financial health. Discover 7 practical rules that work according to ASIC's MoneySmart to manage those money moments without guilt or conflict. Ready to take control and keep peace at home? Dive in here: https://www.chipkie.com.au/blog/setting-financial-boundaries-with-family 💬 What’s your top tip for balancing money and family? Share below!

Protect your relationships and your wallet with these 7 proven financial boundaries family rules that stop resentment before it starts. Find out how.

19/07/2026

When asked to co-sign a lease, guarantee a loan, or back credit for family, it's tough to say no. But did you know that 3 out of 4 co-signers end up repaying some or all of the debt? 😲 With consumer debt at all-time highs and lending tightening, these family financial guarantees have become common—and risky. Understand what signing really means, the legal and money pitfalls often overlooked, and how to safeguard your finances and relationships. Dive into the full guide by The Chipkie Team here: https://www.thechipkie.com. Stay informed, stay protected! 💡💪

Discover the financial dangers before you co-sign for a loved one. Explore family personal guarantee risks and protect your finances. See what you need to know.

18/07/2026

By The Chipkie Team, Personal Finance Editorial Team · Last updated 17 July 2026

When an aging parent or grandparent needs assisted living, memory care, or a skilled nursing facility, the costs can be staggering — and the timeline is rarely forgiving. According to the Consumer Financial Protection Bureau (CFPB), the median annual cost of a private room in a nursing home exceeded $108,000 in recent years, and those numbers continue to climb. Families facing these expenses often turn to a family loan for aged care as a bridge between what insurance or savings covers and what the facility actually charges.

Whether you're lending parents money for aged care or pooling resources among siblings, the financial and legal stakes are high. Getting this right means protecting everyone involved — the parent who needs care, the family member writing the check, and the relationships that hold everything together.

Explore how a family loan for aged care can bridge the gap between savings and rising assisted living costs in 2026. See your options now.

13/07/2026

🏠 Thinking about getting on the UK property ladder but worried about saving that hefty deposit? Many wonder if it’s possible to use pension savings for this, especially with house prices outpacing wages again in 2026. The idea seems logical—your pension might be the biggest pot of savings you have. But watch out: the UK rules can be tricky, and a misstep could cost tens of thousands in unnecessary tax! 😱

This guide breaks down exactly what’s allowed when it comes to using your pension for a house deposit, who might actually benefit, and smarter alternatives you might not have seen before. Intrigued? Dive in and make the best move for your future home and finances.

Discover more here: https://www.thechipkie.com/pension-house-deposit-guide

💬 Ever thought about using your pension or found a smarter way to save for your first home? Share your experience or questions below!

Discover whether you can use your pension for house deposit in 2026, including tax implications and smarter alternatives. Find out what you need to know.

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