Mortgage and Property Topics

Blog

Plain-English guides for buyers and investors who want to understand grants, stamp duty, deposit schemes, tax policy, and the real cash flow before making an offer.

Tax Policy

Negative Gearing Changes: What Property Investors Need to Know

A practical cash flow guide to the proposed 2026 Budget negative gearing changes, including new builds, grandfathered established homes, and post-reform established purchases.

May 20266 min read

Stamp Duty

NSW Stamp Duty for First Home Buyers: What You May Not Need to Pay

A practical guide to NSW first home buyer transfer duty concessions, including the $800,000 exemption threshold and the phase-out up to $1 million.

May 20265 min read

5% Deposit

Buying with a 5% Deposit: How the Australian Government Scheme Works

The 5% Deposit Scheme can help eligible first home buyers purchase sooner without Lenders Mortgage Insurance, but it is not free money or a shortcut around borrowing capacity.

May 20266 min read

Buying Costs

First Home Buyer Cash-to-Complete: The Costs Beyond Your Deposit

Your deposit is only one part of the money needed to buy. Here is how to think about stamp duty, legal fees, inspections, loan costs, and moving buffer.

May 20265 min read