Under all the headlines, this is really about one thing: your lifestyle, your living expenses and whether you’re getting ahead or falling behind.
If any of that sounds familiar, let’s find a time in your busy schedule for a chat. https://calendly.com/kelvin-buyinvestlive/15min
My view is simple: instead of trying to guess what Canberra will do next, focus on a plan that makes sense for you – review the one you have now, plus a likely version as things change.
For current property owners
If you already own property – as an owner‑occupier or investor – the most powerful thing you can do right now is getting your cash flow and debts working for your lifestyle and future self.
Cost‑of‑living pressures are still squeezing many households, with essentials, insurance and utilities all higher than a few years ago.
For a lot of people, the biggest step forward is simplifying and lowering repayments.
Don’t assume you can’t refinance. A <u>simple refinance</u> can allow you to move residential, commercial or even SMSF loans to lower rates and repayments – we just need to show benefit – standard credit policy applies.
For home buyers
The first question is your timeframe. Are you aiming to buy as soon as possible, or is your goal more in the next 6–12 months? Either way, don’t assume you need a full 5% deposit saved before you can get started.
The Government’s 5% Deposit Scheme and related home ownership supports can let eligible first‑home buyers get in with as little as 5% and avoid lenders mortgage insurance, and some shared‑equity style options can go even lower for specific groups.
Start with only $1,000 saved and we can put a plan in place together, so it’s often better to ask the question now than quietly count yourself out.
For investors
The budget has clearly targeted investors, with major changes to negative gearing and capital gains tax that hit new purchases hardest while largely grandfathering many existing arrangements. In short, tax perks on established properties are being wound back for future buyers, and there is a stronger tilt towards new builds and housing supply.
The big risk for investors is letting tax policy drive every decision. Yes, you need to understand how the new rules affect your after‑tax returns, but the deals that will age best are still the ones with solid fundamentals: decent yield, realistic assumptions, and buffers if rates, rents or tax settings move against you.
My role in all of this
My job isn’t to predict elections or second‑guess Canberra. It’s to cut through the noise and help you make policy‑proof, lifestyle‑proof decisions.
If any of this resonates, let’s find a time in your busy day for a quick chat.
Lets Chat
