Yellow Brick Road Dulwich Hill

The investor tax changes have people making rushed decisions. Some are selling good assets. Some are chasing high yields in markets they have never set foot in. Some are buying in a hurry before the rules shift again.

In most cases, the panic is more expensive than the tax change itself.

Here is what we want you to understand before you touch anything in your portfolio. Negative gearing has not been abolished. CGT changes are not retrospective. And the loan structure sitting underneath your portfolio is often where the biggest efficiencies, and the biggest mistakes, actually live.

Learn more here: https://ybr.com.au/articles/investor-tax-changes-what-to-do/

"Should I wait for rates to drop before I do anything?"

Honestly, it's the most common thing we're hearing right now.

Here's our honest answer: the gap between what you're paying today and what's available to you today is a real number. The gap between what you might be paying if two more cuts land in twelve months is a guess.

One of those is worth acting on.

If you've got a fixed rate rolling off soon, or you just haven't had your loan looked at in a while, swipe through this and then reach out. We can pull your rate against what's on the market right now and give you a straight answer on whether it's worth moving.

No obligation. Just clarity.

With so many properties to inspect, it’s easy to lose track of what matters most.

Jason Pellegrino explores why open homes alone could be costing buyers the home they actually want, and how preparation can help you make smarter property decisions.

Read the full article:
https://ybr.com.au/articles/why-open-homes-alone-are-costing-you-the-house-you-actually-want/

Higher oil prices go beyond just more expensive petrol. Luci Ellis, former chief economist at the RBA, says the flow-through into building materials, plastics and construction costs is already happening, and faster than most people realise.

Worth a conversation if you are building or buying. Get in touch.

Haven’t looked at your home loan in a while? It's time to get serious about your finances. As Mark Bouris says, if you’re not proactively looking for the best deal, you could be missing out.

Whether you’re refinancing, buying, or just curious, be proactive, seek out expert support, and compare your options. Call or visit our branch today to learn more.

It's our job to know where your interest rate is heading.

That's why former Reserve Bank Chief Economist Luci Ellis' insight into what goes on behind closed doors when the RBA decide whether to cut or raise the cash rate is so vital.

We're on top of the economy - and your home loan - so you don't have to be. Want a conversation about your current interest rate or borrowing power? Get in touch with us today.

You can watch the full episode of Property Insights with Mark Bouris here https://yhomeloans.com.au/videos/why-westpac-now-expects-more-rate-hikes-mark-bouris-luci-ellis/

Swipe through and you will see why buying still feels tough even with prices easing in the big cities.

The short version from the latest Cotality figures: rates have risen, so the income you need to service a loan has gone up, even where prices have come down. Helping people in our community make sense of this is what we do, what it means for your borrowing power and your next move, with no complexity and no pressure.

If these numbers have you wondering where you stand, reach out and we will take a look together.

What actually makes an apartment easy to live in, and easy to sell later?

On Property Insights this week, ALAND Founder and CEO Andrew Hrsto told Mark Bouris that buyers now want everything within walking distance, the shops, the cafes, the restaurants, ideally right downstairs. Location and lifestyle are doing more of the heavy lifting than ever.

Full episode is out now: https://yhomeloans.com.au/videos/is-single-home-ownership-ending-mark-bouris-andrew-hrsto/

It's a question a lot of buyers are asking right now. Tim Lawless from Cotality Australia has a clear answer in this episode of Property Insights with Mark Bouris: "I actually don't think there's a rule of thumb anymore".

Full episode here: https://yhomeloans.com.au/videos/the-gap-has-never-been-this-wide-mark-bouris-tim-lawless/