Wise Guru - Aussie Expat Specialist

23/07/2026

Negative gearing is changing—and Australian property investors may need to rethink the numbers.

Under the new reforms, eligible new residential builds will continue to receive traditional negative-gearing treatment. However, investors purchasing established residential property after the relevant commencement date will generally no longer be able to offset rental losses against employment income.

Instead, those losses may be quarantined and used against future residential investment income or eligible capital gains.

Does this mean property is no longer a good investment? Not at all.

A sound property strategy should still consider location, rental demand, land value, cash flow, borrowing costs and long-term growth—not just tax deductions.

The key takeaway:
Tax benefits should support an investment strategy, not drive it.

Read the full article: 🔗https://thewiseguru.com/negative-gearing-has-changed-in-australia/

Negative Gearing Has Changed in Australia: Is Property Still the Best Investment? For decades, negative gearing has been one of the biggest tax incentives Proposed CGT discount changes could reshape Australia’s rental market. Here’s how it may affect investors, rental supply, and rent prices.

01/07/2026

New financial year, new rules — and a few of them could put more money in your pocket. Even from overseas. 🌏💼

Today, 1 July, kicks off the 2026–27 financial year, and some of the biggest super and tax changes in years take effect from this morning. Here's what actually matters if you're an Aussie living abroad:

💰 Bigger super contribution caps — you can now add up to $32,500 before tax and $130,000 after tax each year. More room to grow your retirement savings, even from Singapore, Hong Kong or Dubai.

📈 Transfer balance cap lifts to $2.1m — meaning more of your super can move into a tax-free retirement pension when the time comes.

⏱️ Payday super is here — employers must now pay your super within 7 days of each pay run. If you're still employed in Australia or have staff there, this affects you.

✂️ A tax cut — the 16% bracket drops to 15%, leaving a little extra in every pay.

(And if your super balance tops $3m, the new Division 296 tax now applies — yes, even while you're living overseas. Worth a chat.)

These changes are a great reason to check your Australian plan is still working as hard as you are — wherever you are in the world.

Want to know what they mean for you? Link in bio or DM us for a free, no-pressure consultation. 👋

09/06/2026

Big changes are happening across the Australian property and finance market.
In my latest video, I break down the key updates property owners, investors and buyers need to know — including the latest market data, interest rate pressure, NSW housing updates and Budget changes affecting property investors.
Whether you own property, are planning to buy, or are watching the market closely, these changes could shape the next phase of Australian real estate.
Watch the full video for the breakdown.. link in bio ☝️

06/06/2026

🏠 Australia doesn’t have a housing tax problem.

It has a housing supply problem.

While politicians argue about investors, negative gearing and capital gains tax, the real question is:

Why aren’t we talking about building more homes?

Australia needs hundreds of thousands of new homes each year, yet we’re falling well short of what’s needed. More demand and not enough supply means affordability remains under pressure for renters, first home buyers and families alike.

If we want housing to become more affordable, we need policies that:

✅ Increase housing supply
✅ Encourage new construction
✅ Reduce unnecessary costs on building new homes
✅ Make it easier to deliver more homes, faster

We’ve launched a Parliamentary Petition calling for practical solutions that focus on increasing housing supply rather than adding more taxes.

👉 Sign the petition via the link in our bio.

Every signature helps put housing supply back at the centre of the national conversation.

HousingSupply ConstructionIndustry PropertyInvestment Australia Petition

05/06/2026

Avoiding the wrong investment is just as important as choosing the right one.

Some property markets may look promising at first glance, but investors need to look deeper. Areas that rely heavily on a single industry or a short-term demand driver can carry greater risk if market conditions change.

Before purchasing your next investment property, make sure you understand the area’s demand drivers, employment base, supply pipeline, rental market, and long-term growth outlook.

Book a consultation today to discuss a tailored property investment strategy designed around your goals.

📩 Send us a message to get started.

04/06/2026

Negative gearing remains an important consideration for property investors, particularly as discussions around potential changes and exemptions continue.

Understanding how these rules may affect your investment position, tax outcomes, and long-term property strategy is essential before making your next move.

Book a consultation today to discuss a tailored approach to your property investment journey.

03/06/2026

🏡The rules for property investors in Australia have changed.

In today’s market, successful investing requires more than simply buying a property and waiting for capital growth.

With higher interest rates, tighter lending conditions, increased holding costs and changing rental market dynamics, investors now need to be far more strategic with every property decision.

Before purchasing, it is now essential to understand:

✅ Cash flow and serviceability
✅ Rental demand and vacancy rates
✅ Location fundamentals
✅ Holding costs and tax implications
✅ Long-term growth drivers

The opportunity is still there — but the approach needs to be sharper, more informed and backed by the right numbers.

📲 Click to watch the full review.

02/06/2026

🚨 Why your rent is about to skyrocket

It all comes down to one simple problem: too many renters, not enough homes.

Across Australia, rental vacancy rates are still sitting near crisis levels, meaning tenants are competing for a very limited number of available properties.

At the same time, population growth remains strong, construction is still struggling to keep up, and new housing supply is not entering the market fast enough.

The result?

More pressure on rents.
More competition at inspections.
More stress for tenants.
And stronger cash flow potential for well-positioned property investors.

This is why understanding supply, demand, vacancy rates and local market trends is so important before making your next property move.

The rental market isn’t just “getting expensive” — it’s being pushed higher by structural shortages.

02/06/2026

Are you a property owner, investor or buyer in NSW or Australia?

I’ve just posted a new video covering the latest property and finance update, including what’s happening with the Australian housing market, interest rates, borrowing conditions and the latest Budget changes affecting property owners.

In the video, I cover:
- Latest Australian property market data
- NSW property and housing updates
- Interest rate and mortgage pressure
- Budget changes affecting property investors
- Negative gearing and capital gains tax
- What it could mean for homeowners, investors and buyers

There is a lot changing in the market right now, so it’s important to stay informed and understand how these updates may affect your property plans.

🎥Watch the full video here.

Disclaimer: General information only. This is not financial, tax or investment advice. Always speak with a qualified professional before making decisions.

In this video, we break down the latest Australian property and finance data, including key updates affecting property owners, investors and buyers across NS...

26/02/2026

January CPI: Slightly Firmer, But Not Directional

The January CPI print came in marginally above expectations:

• Headline CPI: 3.8% (vs 3.7% expected)
• Trimmed Mean: 3.4%

The increase was primarily driven by electricity and garments & footwear, partially offset by declines in overseas holiday costs and a smaller-than-expected rise in health.

At this stage, most bank economists have not materially altered their quarterly inflation outlook. A May rate move remains roughly a 50/50 probability.

With the transition to monthly CPI, seasonal adjustments — particularly in January — will play a larger role in short-term interpretation.

For now, the key takeaway is stability in expectations rather than a meaningful shift in trajectory.