Key Insight Depreciation is a non-cash expense that significantly enhances the after-tax cash flow of investment properties by reducing taxable income. This generates tax savings that free up cash for future investments. Depreciation Analysis 1. Depreciation on the Building (Capital...

Introduction Australia’s financial sector operates under a strict regulatory framework, especially in lending. Credit exposure limits are a key tool banks use to manage risk, and they have a profound effect on real estate lending—a major component of the Australian...

How Lenders Assess Your Mortgage Repayments When you apply for a home loan—whether you’re buying, refinancing or investing—banks and lenders run a “serviceability” check to confirm you can manage the repayments. Here’s a fresh look at what goes into that...

Should You Move Back In to Preserve Your Six-Year CGT Exemption? For Australian property investors, the decision to return to a former home versus keeping it rented out can carry substantial financial and tax implications—especially around Capital Gains Tax (CGT)....

Should You Return to Your Rented Melbourne Townhouse to Lock In CGT Exemption? You’re about 40, earning roughly $109,000 a year, and juggling two properties: a Melbourne townhouse you own (leased out) and a rental you occupy at $550/week. With...

Maximise Your Property Depreciation Benefits in Australia For Australian property investors, depreciation offers a valuable tax saving, especially on newly built assets. You can claim deductions under two main categories: Capital Works (Division 43) and Plant & Equipment (Division 40)....