Presidio Finance Consulting

Presidio Finance Consulting Presidio Finance Consulting is is part of the Presidio Group of financial services. Experts in Prop

Presidio Finance Consulting is part of the Presidio Group specialising in:
Financial Advice
Property Advice
Credit/ Finance Advice

30 June is almost here. If you own an investment property, now is a good time to make sure everything is in order before...
03/06/2026

30 June is almost here. If you own an investment property, now is a good time to make sure everything is in order before the financial year closes.

This year, there's an added reason to take stock. The Federal Budget introduced changes to negative gearing and capital gains tax treatment that will take effect from 1 July 2027. Existing properties are grandfathered, but if you're planning your next move, the details matter.

Beyond the budget changes, the key areas worth reviewing before 30 June include your rental income, property expenses, which deductions apply to you, whether you have a depreciation schedule in place, and how your loan is structured, given the cash rate now sits at 4.35%.

A bit of preparation now can make a real difference at tax time.

Read our full checklist here: https://presidiogroup.com.au/get-eofy-ready-as-a-property-investor/

Budget 2026 - Self-employed and SMEThe Federal Budget has just been announced and, for self-employed Australians and sma...
02/06/2026

Budget 2026 - Self-employed and SME

The Federal Budget has just been announced and, for self-employed Australians and small business owners, there are some meaningful changes worth knowing about.

Here are a few key points to consider:

• Buy equipment or assets now – and claim the full cost this year: The $20,000 instant asset write-off is now permanent for businesses with turnover up to $10 million. Eligible businesses can immediately deduct the cost of new or second-hand assets instead of depreciating them over time.

• Less paperwork at tax time: A new $1,000 instant tax deduction lets individuals and sole traders claim work-related expenses without the receipt hassle. There’s also a new $250 Working Australians Tax Offset (WATO) delivering tax relief from 1 July 2027. Together, they’re designed to cut paperwork and simplify tax time.

• More support if your business has had a tough year: From 1 July 2026, companies with annual global turnover of up to $1 billion will be able to apply tax losses for the previous two years. Startups and early-stage businesses will also get a new loss refundability measure from 1 July 2028, offering them extra support.

If you’re looking to invest in your business, whether it’s through new equipment, making the most of your business expenses or simply putting more time into helping clients, we can help you access Australia’s leading lenders and support your ambitions.

Please contact us to explore how we can help your business grow even further.

May has been a big month for Australian property. The RBA raised the cash rate to 4.35%, its third consecutive increase ...
27/05/2026

May has been a big month for Australian property. The RBA raised the cash rate to 4.35%, its third consecutive increase this year, and the Federal Budget landed with some significant changes for investors and buyers.

For investors, negative gearing on established properties will no longer be deductible against regular income from 1 July 2027, and CGT treatment is moving to an inflation-adjusted model with a 30% minimum rate. Properties held before 12 May 2026 are exempt from the negative gearing changes.

For first home buyers, the 5% deposit Home Guarantee Scheme continues and $2 billion has been committed to housing infrastructure. The income tax cuts and new $1,000 standard deduction are also worth knowing about.

On the market itself, national home values grew just 0.3% in April, the slowest pace in over a year. Queensland and Western Australia continue to lead, while Sydney and Melbourne saw values ease.

Read our recent article here: https://presidiogroup.com.au/may-2026-property-update-federal-budget-rate-rises/

Found your next home but haven't sold it yet? That timing gap is one of the most common challenges in property.A bridgin...
26/05/2026

Found your next home but haven't sold it yet? That timing gap is one of the most common challenges in property.

A bridging loan is designed to cover exactly that situation. It lets you buy your next property before your existing one sells, using the equity in your current home to support the purchase. Once your property sells, the proceeds reduce the loan, leaving you with a standard mortgage on the new place.

It's not the right fit for everyone, but for buyers with sufficient equity and a clear plan to sell, it can offer real flexibility in a fast-moving market.

Our recent article explains how bridging loans work, what lenders assess, and the key considerations before going down that path.

Read it here: https://presidiogroup.com.au/buying-before-you-sell-bridging-loans-explained/

The Federal Budget introduced some important changes for property investors, but the impact will differ depending on whe...
26/05/2026

The Federal Budget introduced some important changes for property investors, but the impact will differ depending on when you bought or plan to buy.

If you’re thinking about buying an investment property –

From 1 July 2027, two key changes will apply to new residential property investments:

• Negative gearing on established properties will no longer be deductible against your regular income. New builds will remain exempt and will continue to attract the existing 50% capital gains tax discount.
• Capital gains tax (CGT) treatment will also move to an inflation-adjusted model with a 30% minimum tax rate.

If you already own an investment property –

The impact of these changes on existing investments will be limited:

• Properties held before the announcement (7:30pm AEST, 12 May 2026) will be exempt from the negative gearing changes.
• The CGT reforms will only apply to gains accruing after 1 July 2027.

If you’re considering a future purchase, it may be worth understanding how these changes could affect your strategy, borrowing capacity and the type of property you choose to buy.

Feel free to reach out – we’d be happy to talk through what this could mean for your next move.

With property price growth moderating in some markets, more investors are turning their attention to rental yield and ca...
21/05/2026

With property price growth moderating in some markets, more investors are turning their attention to rental yield and cash flow as a key part of their strategy.

Rental yield is essentially the annual rent a property generates as a percentage of its value. Average gross yields across Australia's capital cities sat at around 3% for houses and 4.3% for apartments as of March 2026, though some regional areas are posting significantly higher returns.

Understanding the difference between gross and net yield, and what factors drive each, is worth knowing before you make any investment decisions.

Our recent article breaks it all down clearly, including what to look for and why it matters in the current market.

Read it here: https://presidiogroup.com.au/why-investors-are-focusing-on-rental-income-in-2026/

The Government has announced its Federal Budget, delivering some of the biggest changes to Australia’s housing market in...
19/05/2026

The Government has announced its Federal Budget, delivering some of the biggest changes to Australia’s housing market in years. If you’re thinking about buying your first home, there’s a lot to be positive about.

You can still buy with just a 5% deposit

The Government’s Home Guarantee Scheme continues, meaning eligible first home buyers can enter the market with as little as a 5% deposit – without paying Lenders Mortgage Insurance (LMI).

More homes are expected to shift from investors to buyers like you

The Government has wound back negative gearing and capital gains tax (CGT) concessions for investors in existing properties. The Treasury forecasts this will help tens of thousands of Australians buy their first home over the coming decade – freeing up more established homes for owner-occupiers rather than investors.

To help ease demand pressures, the Government is also extending the restriction on non-Australian investors purchasing existing homes, with the intention of creating more opportunities for young Australians to enter the housing market.

If you’d like to understand exactly how this Budget affects your buying position, I’d love to help. Please reach out to discuss your goals and next steps.

If you have a home loan, you've probably come across the terms offset account and redraw facility. Both can help reduce ...
14/05/2026

If you have a home loan, you've probably come across the terms offset account and redraw facility. Both can help reduce the interest you pay, but they work quite differently and choosing the wrong one for your situation can cost you.

An offset account sits alongside your loan and reduces the balance interest is calculated on, while keeping your money fully accessible. A redraw facility lets you make extra repayments and pull them back out later, but access can be more restricted.

For property investors especially, the distinction matters from a tax perspective too.

With over 640,000 Australians refinancing last year, now is a good time to understand which structure is actually working in your favour.

Our article breaks both options down clearly, including the benefits, the drawbacks, and what to think about before making a decision.

Read our article here: https://presidiogroup.com.au/offset-account-vs-redraw-facility-what-to-consider-as-interest-rates-rise/

With EOFY around the corner, many borrowers start thinking about their next opportunity or reviewing their current setup...
12/05/2026

With EOFY around the corner, many borrowers start thinking about their next opportunity or reviewing their current setup.

Alongside home lending, we also offer a range of finance solutions, including:

• Asset finance (such as vehicles, equipment or personal loans)
• Commercial lending solutions

Depending on your situation, some of these options may be relevant for your personal or business needs.

If you’d like to learn more or have a chat about how it all works, feel free to reach out – we’re here to help.

The Australian property market is moving at very different speeds right now.Perth values jumped 7.3% in Q1 alone. Brisba...
07/05/2026

The Australian property market is moving at very different speeds right now.

Perth values jumped 7.3% in Q1 alone. Brisbane, Adelaide, and Hobart are holding strong. Sydney and Melbourne? Prices are softening as higher rates and rising stock levels give buyers more breathing room.

Meanwhile, with two consecutive rate hikes already this year and more potentially on the way, anyone with a home loan has good reason to review their position.

Our April 2026 property market update breaks down what's happening, state by state, and what it could mean for your next move.

Read our article here: https://presidiogroup.com.au/australian-property-market-update-april-2026/

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