Myloandeal

12/10/2026

UPGRADING YOUR HOME WITHOUT SELLING? THE CURRENT MARKET COULD PRESENT A UNIQUE OPPORTUNITY!

What if you could upgrade to your dream home at a better price while keeping your existing property as an investment?

Some homeowners are exploring exactly this strategy, taking advantage of changing market conditions and tax rules.

Here's why this approach is attracting attention:

🏠 Buy in a buyer-friendly market: In areas where buyers have stronger negotiating power, upgraders may secure their next home at a competitive price, potentially saving tens of thousands of dollars.

💰 Keep their existing home: Instead of selling, convert their current property into a rental investment and retain exposure to future capital growth.

📊 Benefit from grandfathering provisions: Homeowners who purchased before the relevant Budget-night cut-off may retain access to negative gearing deductions, subject to eligibility and applicable tax rules.

📈 Work towards two goals: Upgrade their family home while building a long-term property investment portfolio.

The real opportunity? Some families who previously thought upgrading was financially out of reach may now find a pathway to their next home, particularly where favourable purchase prices, available equity and rental income improve the numbers.

💡 Smart property decisions aren't just about timing the market — they're about recognising opportunities and making the numbers work!

Of course, every situation is different. Borrowing capacity, interest costs, rental income, tax implications and cash flow must be carefully assessed.

Thinking of upgrading but don't want to sell your current home?

📞 Connect with MyLoanDeal on 0490 899 530
📧 [email protected]

Let's explore financing options that could help you achieve your next property goal.



Disclaimer: This post provides general information only and does not constitute personal financial, investment, property, credit or tax advice. Property market conditions vary by location, and savings or capital growth are not guaranteed. Negative gearing eligibility depends on applicable legislation and individual circumstances. Retaining an existing property may increase debt and financial risk. Seek independent professional advice before making decisions.

07/10/2026

30/09/2026

Looking to purchase, refinance or invest in commercial property? The right loan structure and lender can make all the difference—speak with MyLoanDeal about your commercial finance options.
📞 0490 899 530
✉️ [email protected]

28/09/2026

With interest rates potentially on the rise, now is a great time to review your existing loans or explore options for your next home, investment or commercial loan.
📞 0490 899 530
✉️ [email protected]
🌐 myloandeal.com.au

19/09/2026

Whether you’re buying your first home, investing, refinancing or growing your business, MyLoanDeal makes finance simpler. From home loans to commercial finance and property lending across SMSFs, trusts and companies—we find solutions built around your goals.
📞 0490 899 530
✉️ [email protected]

18/09/2026

Does Buying an Existing Property for Investment Still Make Sense After the Budget Changes?

Recent Budget changes may make newly built investment properties more attractive from a tax perspective. But does that automatically mean buying new is the better investment?

Not necessarily.

Buying a house-and-land package, or purchasing land and constructing a property, can come with some practical challenges that investors should consider:

1️⃣ Construction cost increases
Building costs can rise during the project, potentially pushing the final cost above your original budget.

2️⃣ Construction delays
Council approvals, labour shortages, material availability and other delays can extend the completion timeframe and increase holding costs.

3️⃣ Builder risk
Financial difficulties or insolvency of a builder can create significant delays, additional costs and uncertainty.

4️⃣ Interest costs during construction
You may be paying interest while the property is being built but receiving no rental income. At higher interest rates, this can have a meaningful impact on cash flow.

5️⃣ More involvement and complexity
Depending on the project, managing construction, progress payments, variations and other issues can require considerably more time and attention.

6️⃣ Impact on future borrowing capacity
During construction, you have additional debt without the benefit of a completed property's rental income. This may affect borrowing capacity if you want to make another investment.

7️⃣ Negative gearing changes need to be understood carefully
Changes to the timing or availability of deductions can affect investment cash flow and after-tax returns as negative gearing change might mean deferment of tax benefit, and not removal.

8️⃣ Tax rules can change over a long investment horizon
Property is generally a long-term investment. Current concessions, including CGT treatment, should be considered as part of the overall strategy, but investors should avoid making a long-term investment decision based solely on today's tax settings.

💡 So, does an existing property still make sense?
Absolutely, it can.

An established property can offer greater certainty around the purchase price, location, property condition, rental potential and timing of rental income. You can see what you're buying and potentially start generating rent shortly after settlement.

It's buying the right property, in the right location, at the right price, with appropriate consideration of cash flow, borrowing capacity and long-term growth potential.

A good Buyer's Agent can help identify and assess properties against those objectives rather than choosing a property simply because it is new or comes with a particular tax benefit.

Get in touch if you'd like to discuss your property-buying options.

Disclaimer: General information only. This is not financial, investment, taxation, credit or legal advice. Consider your individual circumstances, conduct your own due diligence and obtain appropriate professional advice before making an investment decision.