10 bananas cost $5 ten years ago. Today they’re $9.
Under the new CGT rules, the tax office only taxes the real growth above inflation. The inflation portion ($5 to $7) isn’t taxed. Only the $2 above is.
Same applies to property. Save this one.
General information only. Not financial advice.
#CGT #Budget2026 #PropertyTax #BuyersAgent
The new property tax rules in dollar terms. Three real properties, same $150K income, same loan, same 10-year hold.
City of Sydney LGA: $1M apartment.
City of Greater Geelong LGA: $800K house.
The Hills Shire LGA: $800K new build, active land release.
Year one out of pocket under the NEW rules: $33K, $18K, $12K. The new build keeps negative gearing. Established stock loses it.
Net position after 10 years: $32K, $493K, $279K.
Each of these strategies makes sense for someone. The prestige metro play stores capital in a premium location with low vacancy. The outer-established play prioritises yield, owner-occupier demand and long-term growth. The new build play optimises for ongoing tax efficiency and depreciation.
The right strategy depends entirely on what you’re optimising for. Income now, equity later, prestige, tax position, hold length, risk tolerance. The math gives you the numbers. Your goals tell you which number matters.
General information only. Not financial advice. Figures are illustrative and do not consider your personal circumstances. Speak with a licensed financial adviser, accountant and conveyancer before acting on any of this.
Swipe through for the plain language read on what the 2026 Federal Budget actually did, what it didn't, and what it means if you own property or are thinking of buying.
The short version. Existing investors are grandfathered. The main residence exemption is untouched. The new rules bite hardest at the top of the market where the negative position is largest. CBD apartments & houses yielding 2 to 3 percent take far more pain than regional and outer-metro stock yielding 4.5 to 5 percent. Capital reallocates to where the math works.
CH Secure has never relied on negative gearing in our acquisition analysis. The properties we source need to work on rent and capital growth alone. Tonights budget validated the approach we've taken from day one.
Save this. Send it to anyone in your network who needs the plain-language read. DM us if you want a 15 minute conversation on what this means for your portfolio specifically.
#PropertyInvestment #AustralianProperty #BuyersAgent #NegativeGearing #CGTReform #Budget2026 #SydneyProperty #PropertyAdvice #InvestmentProperty #BuildingWealth
Negative gearing rules have been unchanged for 39 years. The CGT discount has been unchanged for 27. Both are expected to change tonight.
If you own an investment property or you’re planning to buy one, a few things worth keeping in mind before you react. 1. Headlines tonight will tell you what changed. They won’t tell you what it means for your specific situation. The detail sits in the budget papers and it takes time to work through properly. Give it a day before making any decisions. 2. The investment case for property has never depended on tax structure. Good properties create wealth through capital growth and rental yield. If your investment was built on the fundamentals, the change in rules is uncomfortable but not damaging. 3. The fundamentals of how to assess a property haven’t changed either. Yield, growth potential, serviceability, location. These have always been the right things to focus on, and they still are.
Tonight changes the rules. It doesn’t change the fundamentals.
#propertyinvestment #australianproperty #federalbudget #buyersagent #propertyinvestor
Honestly? What this client went through is the most common story we hear right now. First home buyers wanting metro city, running the numbers, realising it’s not on the cards, and not knowing what comes next.
So they wait. Save longer. Watch the market run away. Years go by.
You’re not alone in that. Tens of thousands of Australians are sitting in the exact same spot.
There’s more than one way through it.
Comment SECURE to learn more.
$480,000 to $768,000 in 26 months.
SMSF acquisition for our client, $288,000 in capital growth on a single off-market deal in the Mackay region.
The brief was clear. Low risk. Low maintenance. High yield. The kind of asset that does the work without creating a headache inside the fund.
Newer build. Strong tenant demand. Yield well above what the SMSF needed to keep ticking over. Genuine set and forget.
Sometimes you don't need to wait. You need a better plan.
DM "secure".
$6 billion in infrastructure. Almost nobody's talking about it.
Burnie, Tasmania. The $3.5 billion Marinus Link, a $137 million port expansion, and a $1.4 billion hospital upgrade are all underway. 1,400 jobs incoming.
Vacancy is tight, yields are pushing 6%, and entry prices are still soft.
The best entries happen before the headlines do.
DM "secure" if you want to see what we're tracking right now.
First home buyer. Sydney based. Locked out of her own market.
She came to us with a $2M equity goal over 10 years and one constraint: keep holding costs low through high-yielding assets.
So we built her a portfolio. Outside Sydney, where the numbers actually worked.
Four properties. QLD, WA, Victoria. 25 months in.
$1,522,500 invested. $2,079,177 in current value. $556,677 in capital growth and a 6.2% average gross yield while Sydney sits around 2.5%.
She's already 28% of the way to her 10-year goal. In 25 months.
Locked out of your own market? You're not stuck.
DM "secure" and let's talk.
$340,000 to $590,000 in 25 months.
Our client came to us self-employed, with limited borrowing capacity and a small retirement fund. Most agents would've told them to keep saving. We saw a smarter path.
- Step one, we connected them with one of our strategic investment brokers to get the finance structure right.
- Step two, we found them a sub-$400k property in Townsville with strong yields.
The market has shifted. Those entry points and yields are harder to find now. But the playbook hasn't changed, find a market where the numbers actually work, get the structure right, and let time do the rest.
Sometimes you don't need to wait. You need a better plan.
DM "secure" and let's see what's possible for you.
Regional Victoria took a hit. The recovery is already well underway.
Bendigo migration up 63% last quarter. Sales volumes up 45% year on year in some pockets. Vacancy under 1%. Yields are strong. Prices still well below metro.
By the time the headlines catch up, the entry point is gone.
DM "secure" to see where we're buying.
Purchased for our client: $340,000.
Valued today: $592,000.
25 months. No work done. No money added in. Just the right property in the right market at the right time.
DM “SECURE” for the next one.
$400 million. 1,000 new homes. 48,000 new residents.
Noarlunga is being transformed from a quiet southern pocket into a proper regional hub, with new retail, commercial space, and $1.2B flowing into the local economy.
More people, more jobs, more demand.
DM "Secure" to see where we're buying before the rest of the market catches on.
