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Amending trust deed by 31 December 2020 may avoid land tax surcharge
Amending deed may avoid land tax surcharge A recent revenue ruling in New South Wales has clarified the position of discretionary trusts and foreign ownership of land. Legislation is in affect that applies a surcharge of stamp duty and land tax if the owner of the...
COVID-19 (NSW): stamp duty reduced for first home buyers
COVID-19 (NSW): stamp duty reduced for first home buyers The NSW Government will reduce stamp duties on newly built homes and vacant land for eligible first home buyers from 1 August 2020. The threshold above which stamp duty will be charged on new homes for eligible...
Government announces HomeBuilder grant $25,000.00
The government has announced that it will introduce a $25,000 grant for eligible owner-occupiers to build a new home or substantially renovate an existing home. The HomeBuilder grant will be available to individuals under the $125,000 income cap ($200,000 for couples)...
New CGT rule
Non-tax residents may not able to access the main residence CGT exemption, unless a specific life event such as death, a terminal medical condition or divorce occurs. No. Residency status when selling home Full/partial main residence exemption still available? 1...
Refinancing traps to avoid
Refinancing traps to avoid Whether you’re after lower repayments or want to tap into the equity sitting in your home, refinancing can offer a world of benefits. Here are some things to be aware of so that you don’t find yourself hooked into a bad deal....
Exit costs when refinancing
Exit costs when refinancing Refinancing can be a great way to save money if you believe you are paying too much for your loan, but there is more to it than just finding a loan with a lower interest rate and making the change. Before making the switch,...
Am I a foreign property investor & liable for stamp duty surcharge?
Stamp Duty Surcharge: Do you know you may be classified as a foreign person & liable for the stamp duty surcharge on property investment, even if you are a permanent resident & Citizen of Australia? Each State sets own rules, see the below. New South Wales...
What Are The Extra Costs Of Buying A Property?
There are extra costs that you’ll need to consider when you are taking out a loan to purchase a property. Home loan application fees Most lenders charge a home loan application fee. This can range from loan to loan, and covers: Legal contracts Property title checks...
Which loan is right for me? Fixed, variable or split…
That depends on who ‘you’ are. When you take out a mortgage or home loan, you can choose to have an interest rate this is fixed, variable, or split (a combination of the two). There is no right or wrong option – it all depends on your circumstances. Fixed rate home...
3 ways to avoid paying lender’s mortgage insurance
Lender’s mortgage insurance (LMI) is required in many instances when a loan is worth more than 80 per cent of a property’s purchase price, as well as in some other circumstances. In very basic terms, when a lender considers a loan to carry a high risk, LMI is likely...
5 Things First Home Buyers Need To Know
Before you decide to purchase your first property there are a number of things to consider, including your current personal circumstances and financial status. 1. Think about why you want to buy a home Do you want to live in it or will it be an investment property?...
Type of loan products
Fixed-rate mortgages With a fixed-rate loan, you know exactly how much you’ll pay per fortnight or month for the fixed period of the loan (usually one to five years). Variable rate mortgages Repayments can change during the life of a variable-rate loan, so you may pay...
Property owners need to know these new tax changes
From 1 July 2017, travel expenses related to inspecting, maintaining or collecting rent for a residential rental property will be disallowed. From 1 July 2017, travel expenses related to inspecting, maintaining or collecting rent for a residential rental property are...
Tips for saving your deposit
Saving for that all important deposit can be tough, but here are three winning tips to help set you on your way to home ownership. PUT YOUR GOALS IN WRITING Setting a financial goal will make it much easier to plan and save successfully. Make a conscious effort to...
5 tips to manage your mortgage effectively
SET A BUDGET Work out your expenses (fortnightly or monthly) and factor in your mortgage repayments. You might need to cut back on spending in certain areas to make sure your mortgage is a priority. Keep a diary of your spending and stick to your budget. CUT YOUR DEBT...
