Horizon Home Loans & Finance Pty Ltd

10/06/2026

“First Home Buyers — Your Time Could Be Now”

With the current changes around negative gearing and Capital Gains Tax, the property market may be entering a new phase — and this could open a stronger pathway for first home buyers.

From 1 July 2027, negative gearing is set to be limited to new builds, with the aim of encouraging new housing supply. Existing arrangements remain for properties held before the Budget announcement, while new builds continue to receive support under the proposed rules.

What does this mean for first home buyers?

🏠 Less investor competition may create more breathing space
🔑 New homes may become more attractive in the market
💰 Government grants and concessions may support eligible buyers
📈 Starting early could help you secure your future sooner
🌅 Your first home journey may be closer than you think

At Horizon Home Loans and Finance Pty Ltd, we help you understand your borrowing power, explore your loan options, and take confident steps toward owning your first home.

🌟 Don’t just watch the market change — step into your property journey with confidence.

13/05/2026

🚨🏡 FEDERAL BUDGET 2026
Negative Gearing & CGT Changes Explained

The Government has announced proposed property tax changes aimed at:
✔️ Improving housing affordability
✔️ Helping first home buyers
✔️ Encouraging more NEW homes to be built

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📌 NEGATIVE GEARING

🟢 NEW BUILDS
✅ Continue receiving negative gearing tax benefits

🔴 EXISTING PROPERTIES
❌ Future investors may no longer claim rental losses against salary/wages from 1 July 2027

🏠 Existing investment property owners are expected to continue under current rules until sold.

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📌 CGT (Capital Gains Tax)

Current system:
✔️ 50% CGT discount after holding property 12+ months

Proposed from 1 July 2027:
📈 Inflation-based tax calculation
📊 Minimum 30% tax on capital gains

🏗️ New build investors may have option to choose between current or new system.

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👨‍👩‍👧 FIRST HOME BUYERS

✅ Less competition from investors on established homes
✅ More focus on building new housing
✅ Government hopes affordability improves over time

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💼 PROPERTY INVESTORS

✅ New builds become more attractive
✅ Existing owners expected to receive transitional protections
⚠️ Established investment properties may become less tax effective

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🎯 PURPOSE OF THE CHANGES

🏗️ Increase housing supply
🏡 Improve affordability
👨‍👩‍👧 Help more Australians buy homes

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Have questions about how this may affect you?
📞 Horizon Home Loans & Finance is happy to help with a friendly, no-obligation chat.

🔗 Federal Budget information:

Australian Federal Budget, 2026-27

09/05/2026

Mortgage Broker खोज्दै हुनुहुन्छ?

02/05/2026

Congratulations to our clients on successfully settling their investment property using 100% equity from their existing home — with zero savings contribution required! 🎉🏡

This is a great example of how the equity in your current property may help you take the next step in your investment journey.

Thinking about investing or wanting to check your equity options?

Horizon Home Loans & Finance is only one call away-0403429538✨

30/04/2026

27/04/2026

Thank you so much for your kind words and trust in Horizon Home Loans🙏

We are grateful to support our clients through their home loan journey and make the process as smooth and stress-free as possible.

Looking for help with your home loan, refinance, or investment loan?
We’re here to guide you every step of the way.

25/04/2026

Proud sponsors of Next Gen Academy team⚽💙

Supporting young talent, big dreams, and future champions.
Let’s go team! 🙌

13/04/2026

नयाँ वर्ष २०८३ को हार्दिक शुभकामना 🙏
तपाईंको सपनाको घरको यात्रामा सधैं साथमा — Horizon Home Loans & Finance Pty Ltd🏡

07/04/2026

घर किन्ने सोचमा हुनुहुन्छ? आफ्नो पहिलो घरको तयारी आजैदेखि सुरु गर्नुहोस्। 🏡

पहिलो घर किन्नुअघि यी कुरामा ध्यान दिनुहोस्:
• आफ्नो बजेट स्पष्ट बनाउनुहोस्
• बचत र डिपोजिट तयार गर्नुहोस्
• आम्दानी र खर्चको हिसाब मिलाउनुहोस्
• क्रेडिट हिस्ट्री राम्रो राख्नुहोस्
• होम लोनको प्रि-अप्रुभल बुझ्नुहोस्
• सही सल्लाह लिएर अगाडि बढ्नुहोस्

सही तयारी भएमा आफ्नो घरको सपना धेरै टाढा हुँदैन।
आजको सानो योजना, भोलिको आफ्नै घर। ✨

यदि तपाईं पहिलो घर किन्न तयार हुँदै हुनुहुन्छ भने, म तपाईंलाई प्रक्रिया बुझ्न र सही विकल्प छान्न सहयोग गर्न सक्छु।

&Finance

30/03/2026

अब loan review गर्ने सही समय !