At an average variable rate of around 6.6%, an investment loan costs far more than most Sydney rents bring in. Here is the break-even yield, a worked $1 million example and what each further rate rise adds.
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Rate Rises and Negative Gearing: What Four Increases Cost an Investor With a $750,000 Loan
Four RBA rises this year add about $625 a month to an interest-only investment loan of $750,000. Here is what that costs after the tax deduction at different marginal rates, and what to check before buying.
Rentvesting: Buying an Investment Property While Renting Where You Live
Rentvesting means buying an investment property somewhere you can afford, while renting in the suburb you actually want to live in. Here’s how the tax, deposit and eligibility rules actually work before you commit to it.
SMSF Property Investment After the LRBA Ban: What’s Still Possible in 2026
The SMSF residential borrowing ban started 10 August 2026. Here’s what’s grandfathered, what’s still allowed, and what investors are getting wrong.
Capital Gains Tax on Investment Property: The 50% Discount Explained
The 50% CGT discount can be worth tens of thousands of dollars, but only if you hold for over 12 months and track your cost base properly. Here is how it actually works.
Property Depreciation in 2026: What Investors Can Actually Claim
Division 40 vs Division 43 depreciation, and why the 2017 rule change means established properties yield far less than new builds. What you can genuinely claim, with real figures.
Negative Gearing in 2026: How It Actually Works (and What the Budget Just Changed)
Negative gearing softens an investment property loss, it doesn’t erase it. Here’s the real mechanics, plus the 2026 Federal Budget reforms that could change the rules for established properties from July 2027.
Trusts vs Personal Names for Property Investment: What Actually Changed in 2026
Negative gearing and CGT changes hit personal names too. Here’s how trusts and personal ownership actually compare for property investors now.
Cross-Collateralisation: Why Lenders Push It and Why It’s Usually a Bad Idea for Investors
Why banks push cross-collateralised loans on property investors, how it actually costs you at sale and refinance, and how to structure around it.
NSW Land Tax for Investors: Thresholds, the Foreign Owner Surcharge, and What Actually Catches People Out
NSW land tax thresholds, the foreign owner surcharge now at 5%, and where investors actually get caught out.
Interest-Only vs Principal and Interest on Investment Loans: What It Actually Costs You
With the cash rate holding at 4.35%, what interest-only versus principal and interest actually costs you on an investment loan.
Rental Yield vs Capital Growth: How to Actually Choose Your Strategy
Sydney yields sit at 3.1% against Perth’s 24-26% growth. How to actually choose a strategy instead of chasing both.
How Negative Gearing Actually Works, Not Just the Headline
Investors booked a collective $2.7 billion net rental loss last financial year. How negative gearing actually works, beyond the headline.
Gross Rental Yields Just Climbed to 3.50% – Here’s Whether That Actually Beats the Cost of Debt.
Yields are up to 3.50% against a 4.35% cash rate. Whether that actually beats the cost of debt, worked through.












