They said they wouldn’t touch negative gearing.

Now they are.

And somehow… it’s being sold as helping first-home buyers.

Let’s be real:

– First-home buyers already buy new builds
– Investors are now being pushed into that same space
→ More competition, not less

– Investors are only ~30% of the market
→ This doesn’t fix housing

– Supply doesn’t magically increase because of a tax change
→ Prices in new builds likely go up

– Existing investors stay
→ Rental supply doesn improve
→ Rents likely rise over time

And the biggest myth?

Property investors aren’t yacht-owning millionaires.

They’re middle-class Australians trying to build a future.

Work hard.
Invest smart.
Get ahead.

That used to be the Australian dream.

Now it feels like the rules keep changing mid-game.

This isn’t a housing solution.

It’s political theatre.

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Having trouble understanding or managing an offset account. Here is a simple explanation of how the calculations behind an offset account work. If you have any questions, feel free to leave a comment.

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‘I’ll wait for the market to cool.’
Sounds smart… until you run the numbers.
If a property grows at just 5% per year:
An $800K property becomes ~$882K in 2 years.
That’s an $82K increase.
Most people might save $20–30K in that time.
So the gap actually gets bigger.
Now — markets don’t always move like this.
But over time, growth tends to outpace savings.
Which is why waiting can quietly cost more than acting.”

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People say Sydney is unaffordable.
But what does that actually mean?
Let’s break it down.
On a $1M property:
You’re looking at roughly $5,600/month in repayments.
Banks typically want that to be around 30% of your income.
Which means you’d need to earn roughly $220K/year.
That’s the real barrier for most people.
Not the property itself…
but the income required to service the loan.
Once you understand this,
you stop guessing — and start planning.

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Are you worried about how the new CGT proposals will affect your taxable amount on your property investment? Well, here’s EXACTLY how the calculations will change because of this new proposal.

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Most people misunderstand this mortgage “hack”…
Switching to fortnightly repayments doesn’t automatically save you money.
But if you structure it properly — by paying half your monthly repayment every 2 weeks — you effectively make an extra repayment each year.
Over time, that can reduce your loan faster and save significant interest.
Same loan.
Different structure.
Different outcome.

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Same loan. Same repayment.
But a completely different outcome.
When you use an offset account, you’re not just saving interest…
You’re changing how your repayments work.
Because interest is calculated on a lower amount,
 more of your repayment goes towards paying down the loan.
In this example, that’s roughly a $6,000 difference in just 12 months.
Same effort. Better structure.
Most people focus on rates…
but structure is where the real leverage is.

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All these promises, all these lies…when will it end?

Albanese swears up and down that there will be no changes to negative gearing under his leadership, however, here we are. You would think after he’d been asked it over and over, he’d remember to keep his promises.

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You may not know what gearing is, but it’s actually an essential tool to determine the value of your property. It compares rent and mortgage in a very simple calculation to determine whether the property is negatively or positively geared.

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