Insights
Considered, practical writing on property, finance, financial planning and pharmacy — from a firm that does all four, for clients in Melbourne and across Victoria.
New this month: the 2026 rule changes.
Negative gearing, capital gains, super and first home buyers all changed this year. These explain what it means in practice.
Negative gearing changes from 1 July 2027: what Victorian investors need to know
Negative gearing is now limited to new builds for property bought after 12 May 2026. Who is grandfathered, what changes on 1 July 2027 and what investors should do now.
Read the article →Rentvesting in Melbourne: does it still work under the new rules?
Rent where you want to live, buy where you can afford. How rentvesting works, what the 2027 negative gearing and CGT changes mean, and what you give up as a first home buyer.
Read the article →Buying investment property: personal names, a trust or a company?
How to choose the ownership structure for an investment property in Victoria: tax, land tax, asset protection, negative gearing, CGT and the 2026 tax reforms compared.
Read the article →Buying at auction in Melbourne: an auctioneer’s guide for buyers
How Victorian auctions work and how to bid well: statements of information, underquoting rules, cooling-off, pre-approval, deposits, bidding tactics and setting your limit.
Read the article →Home loans for the self-employed: how lenders really assess business owners
How banks assess self-employed and business-owner income for a home loan: tax returns, add-backs, trust and company income, low-doc options and how to prepare.
Read the article →Offset account vs redraw: why the difference matters at tax time
Offset accounts and redraw facilities both save interest, but they are treated very differently for tax. When to use each, and the redraw mistake that costs investors deductions.
Read the article →Four areas. One firm that works across all of them.
Property
Negative gearing, rentvesting, ownership structures, auctions and the rules Victorian landlords now live with — written by a firm that sells, manages and finances property.
- Negative gearing changes from 1 July 2027: what Victorian investors need to know
- Rentvesting in Melbourne: does it still work under the new rules?
- Buying investment property: personal names, a trust or a company?
Finance
How lenders actually assess you, which loan features matter for tax, when refinancing is worth it, and how first home buyers can get in with 5%.
- Home loans for the self-employed: how lenders really assess business owners
- Offset account vs redraw: why the difference matters at tax time
- Refinancing your home loan: when switching lenders is worth it
Financial planning
Super contributions, the new tax on large balances, protecting your income and what the 2027 capital gains changes mean for the next decade of investing.
- Super contribution caps for 2026–27: a guide for business owners
- Division 296 explained: the extra tax on super balances over $3 million
- Income protection for business owners and the self-employed
Pharmacy & business
Buying, structuring, financing and eventually selling a pharmacy or owner-operated business — our deepest specialty.
- Buying a pharmacy in Victoria: the 12-month runway
- Preparing a business for sale: the three-year runway
- The four structures pharmacy buyers choose — and what each one costs at exit
Every article and guide
Negative gearing changes from 1 July 2027: what Victorian investors need to know
Negative gearing is now limited to new builds for property bought after 12 May 2026. Who is grandfathered, what changes on 1 July 2027 and what investors should do now.
Read the article →Rentvesting in Melbourne: does it still work under the new rules?
Rent where you want to live, buy where you can afford. How rentvesting works, what the 2027 negative gearing and CGT changes mean, and what you give up as a first home buyer.
Read the article →Buying investment property: personal names, a trust or a company?
How to choose the ownership structure for an investment property in Victoria: tax, land tax, asset protection, negative gearing, CGT and the 2026 tax reforms compared.
Read the article →Buying at auction in Melbourne: an auctioneer’s guide for buyers
How Victorian auctions work and how to bid well: statements of information, underquoting rules, cooling-off, pre-approval, deposits, bidding tactics and setting your limit.
Read the article →Home loans for the self-employed: how lenders really assess business owners
How banks assess self-employed and business-owner income for a home loan: tax returns, add-backs, trust and company income, low-doc options and how to prepare.
Read the article →Offset account vs redraw: why the difference matters at tax time
Offset accounts and redraw facilities both save interest, but they are treated very differently for tax. When to use each, and the redraw mistake that costs investors deductions.
Read the article →Refinancing your home loan: when switching lenders is worth it
When refinancing your home or investment loan is worth it: rate gaps, break costs, LMI, discharge fees, cashback offers and asking your current lender to reprice first.
Read the article →The 5% Deposit Scheme in Melbourne: who qualifies and how it works
How the 5% Deposit Scheme works for Melbourne and Victorian first home buyers in 2026: no income caps, the $950,000 Melbourne price cap, no LMI, and how it combines with stamp duty relief.
Read the article →Super contribution caps for 2026–27: a guide for business owners
The 2026-27 super contribution caps: $32,500 concessional, $130,000 non-concessional, carry-forward contributions and how business owners can use them for tax and retirement.
Read the article →Division 296 explained: the extra tax on super balances over $3 million
Division 296 started on 1 July 2026: extra 15% tax on earnings above $3 million and 25% above $10 million, realised earnings only. Who is affected and what to do.
Read the article →Income protection for business owners and the self-employed
How income protection works for business owners: insured income for the self-employed, waiting and benefit periods, business expenses cover, tax deductibility and holding cover inside super.
Read the article →Capital gains tax changes from 1 July 2027: indexation and the 30% minimum tax
From 1 July 2027 the 50% CGT discount is replaced by indexation with a 30% minimum tax on capital gains. What changes, what is grandfathered and what investors and business owners should do.
Read the article →Buying a pharmacy in Victoria: the 12-month runway
Ownership rules, equity readiness, due diligence, structure and finance — in the order they need to happen.
Read the guide →Preparing a business for sale: the three-year runway
Normalised earnings, documented add-backs, the lease and the small business CGT concessions.
Read the guide →Owning a rental in Victoria: what has changed and what is coming
Minimum standards, the energy efficiency rules from 2027, and the hold-or-sell decision.
Read the guide →The four structures pharmacy buyers choose — and what each one costs at exit
Trust, company, partnership or a hybrid. The right answer depends on who you expect to sell to.
Read the article →What lenders actually look at in a pharmacy goodwill submission
Script volumes and GP percentage are the headline. Applications stall further down the page.
Read the article →Should you buy the building you trade from?
Owning the site changes your debt profile, your tax position and your sale price.
Read the article →Calculators
Illustrative estimates for the questions we are asked most.
Loan repayments
Repayments, total interest and extra repayments.
Open →CalculatorVictorian stamp duty
General, home and first home buyer rates.
Open →CalculatorRental yield & cashflow
Gross and net yield and weekly cashflow.
Open →CalculatorAcquisition funding
Equity needed to buy a pharmacy or practice.
Open →Prefer to just ask?
Twenty minutes with a partner is often faster than reading. No charge, no documents required.