Property Investing

4 editor-reviewed guides in this category.

• Pros & cons of investing in property

  An honest look at the benefits, leverage, capital growth, rental yield, tax, alongside the costs that don't get the same airtime.

  6 min read

• Principal & interest vs interest only

  P&I pays down the loan; IO doesn't and costs more long-term. APRA's debt-to-income cap now also shapes how much IO investor lending a bank can write.

  5 min read

• Capital gains tax 101

  When CGT applies, how the 50% discount works, the main residence exemption, and the 6-year rule that lets you keep the exemption while renting.

  5 min read

• What is negative gearing?

  When deductible expenses on an investment property exceed rental income, the loss can offset other taxable income. The mechanics and where it pays off.

  5 min read