Raj Kishore - Midas Finance

15/05/2026

**New Build Rules - Eligible for Negative Gearing & CGT 🏡**

Under the proposed changes, investors who buy a brand-new property may still get access to:

✅ Negative gearing
✅ Either the 50% CGT discount or indexation/minimum tax option when they sell

But there’s a catch — it must genuinely add new housing supply

That means it may include:

• Building on vacant land
• Demolishing one property and replacing it with more homes

But it won’t include:

• A simple knock-down rebuild with no extra dwelling
• Major renovations that don’t add more homes
• Buying the property later as a second purchaser

So basically, the government is saying: “We’ll give investors the tax perks… but only if they help add more homes, not just give an old kitchen a shiny new benchtop and call it nation-building.” 😄

My take:
This could make new builds more attractive for investors, but the details matter — especially around supply, eligibility, tax treatment and exit strategy.

Disclaimer:
This is general information only and does not take into account your personal circumstances, financial goals or tax position. Please seek advice from a qualified accountant and financial adviser before making any property or investment decisions.

13/05/2026

The budget isn't a barrier—it's a change in the rules of the game.
A lot of people are fearing the 2026 Budget changes. I think the reaction is bigger than the reality.

Policy matters — but fundamentals matter more.

✌️Quality still beats tax tricks.
✌️Scarcity still wins.
✌️Cash flow still matters.
✌️Strong borrowing power will be critical moving forward.

Property has handled policy changes for decades.
The people who do best are the ones who stay focused on the long game.

13/04/2026

Commercial.....

Ready to dive into commercial real estate? Look no further! As your trusted finance brokers, we're experts in commercial property loans.

From flexible financing options to personalised guidance, we're
committed to finding the perfect solution for your investment needs. Let's turn your property ambitions into achievements.

Contact one of the Midas Finance Consultant today!

19/01/2026

What's on your mind:

11/09/2025

Today is R U OK? Day 💛
It’s a powerful reminder to slow down and check in with the people around us. Life gets busy, but one genuine conversation could mean the world to someone.

So today, take a moment to ask a friend, a family member, or a colleague:

"R U OK?"

And be ready to truly listen.
You don’t need to have all the answers — just being there is enough.

25/08/2025

Great News for First Home Buyers....

With a wealth of Knowledge & Experience in the Mortgage Industry, Raj will endeavor to assist

13/08/2025

📉 RBA Drops Interest Rates – What It Means for You

The Reserve Bank of Australia has just reduced the cash rate, which means we’re likely to see lower home loan interest rates coming through from the banks in the coming weeks.

💡 What does this mean for homeowners?

Lower monthly repayments 💰

Potential savings on interest over the life of your loan

A great time to review your loan and possibly lock in a competitive rate

📈 What does this mean for the property market?

More buyers entering the market, potentially increasing demand

Investors may become more active again

Stronger competition for quality properties

If you already have a home loan, this could be the perfect time to review and ensure you’re getting the best deal possible.

✅ I’m here to help you navigate the changes and negotiate with the banks to maximise your savings.

📞 Send me a message and let’s see how much you could save!

04/08/2025

Food for thought...

08/07/2025

Rates, Rates, Rates… 📉📈

In a move that surprised many market watchers, the Reserve Bank of Australia (RBA) held the cash rate steady at 3.85% during its July monetary policy meeting.

This came despite expectations for a rate cut, especially after the Australian Bureau of Statistics reported that annual trimmed mean inflation—the RBA’s preferred inflation gauge—fell to 2.4% in May, now comfortably within the RBA’s 2–3% target range.

So, what does this mean for your home loan, savings, or investment plans?

📞 Now’s a good time to chat. If you’d like to discuss how this decision could affect your financial situation or explore your options, feel free to reach out.

26/06/2025

Tax Time!!!

28/04/2025

To Fix or not to Fix.......that is the question!

We understand there’s a lot of uncertainty around whether now is the right time to fix your home loan—or whether it’s better to wait. We want to reassure you: there’s no need to panic.

The Reserve Bank of Australia has recently signalled that while inflation remains a concern, interest rate hikes may be behind us for now. In fact, with signs of a slowing economy—such as cooling property markets, cautious consumer spending, and a softer jobs outlook—there’s growing speculation that rates could actually fall over the next 12–18 months.

Of course, no one can predict the future with total certainty, but we’re closely monitoring the economic indicators and RBA commentary to ensure we’re ready to provide you with the best advice and loan options as the situation evolves.

If you're unsure about fixing your rate right now, it may be worth waiting a little longer. However, if stability and peace of mind are more important to you right now, we can look at partial fixing or other tailored solutions. Every client's situation is different, and that’s why I’m here—to guide you through it all.

Feel free to reach out if you want to chat about your loan strategy—I’ll keep you informed every step of the way.

Raj
0405 546 574

Call now to connect with business.