Finance This, Property That
Finance This, Property That is your go-to podcast for expert insights and advice on building wealth through property investment.
Hosted by, Dion Fernandes, a seasoned finance professional with over 13 years of experience, each episode delves into the intricacies of property purchasing, offering valuable tips and strategies for those looking to create wealth through real estate.
From basic questions to advanced technicalities, Dion brings on trusted advisors and specialists in their fields to provide listeners with practical knowledge and actionable steps.
Whether you're a first-time buyer, a seasoned investor or simply looking to expand your property portfolio, Finance This, Property That is here to empower and educate you every step of the way.
Finance This, Property That
Episode 101 - Negative Gearing, CGT & Trust Changes: What Property Investors Need to Know
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Episode Overview
In this episode of Finance This, Property That, Dion Fernandes is joined by a panel of experts to unpack the proposed changes affecting property investors, business owners and everyday Australians.
Joining Dion are:
- Morgan – Accountant
- Troy – Financial Planner
- Chris – Buyer’s Agent
- Dion Fernandes – Finance Strategist and Mortgage Broker
Together, they examine how potential changes to negative gearing, capital gains tax and trust distributions could affect property structures, borrowing capacity, retirement planning and future investment decisions.
Suggested Episode Structure
00:00 – Welcome to the New Stratega Finance Era
Dion introduces the newly launched Stratega Finance brand and explains why this conversation will be divided into two parts.
02:00 – Don’t Make Decisions Based on Headlines
The panel discusses why investors should avoid restructuring assets or changing strategies before legislation is officially passed.
05:00 – Proposed Trust Distribution Changes
Morgan explains the potential introduction of a 30% minimum tax on trust distributions and why the impact could extend well beyond property investors.
09:00 – How Small Business Owners Could Be Affected
The discussion turns to family trusts, operating companies, bucket companies and the structures commonly used by Australian small businesses.
13:00 – The Risk of Double Taxation
The panel explores how distributions between trusts and companies could potentially result in tax being applied multiple times.
16:00 – Capital Gains Tax and Retirement Planning
How proposed CGT changes could affect business owners and mum-and-dad investors who plan to sell assets and contribute the proceeds to superannuation.
20:00 – Has the Property Market Actually Changed?
Chris challenges the idea that it is business as usual, explaining how higher interest rates, reduced investor demand and changing sentiment have shifted the market.
24:00 – Where Property Opportunities May Still Exist
The panel discusses existing properties with long leases, motivated vendors and situations where reduced competition may create opportunities for prepared buyers.
28:00 – Lender Policy Changes Are Already Happening
Dion explains how some lenders have already changed the way they assess negative gearing and rental income, even though the proposed legislation has not yet passed.
31:00 – Borrowing Capacity Has Dropped for Some Investors
Removing negative gearing benefits from servicing calculations could reduce borrowing capacity by hundreds of thousands of dollars for certain borrowers.
34:00 – Getting Approved Doesn’t Mean You Should Borrow It
The panel discusses responsible lending, sustainable portfolio growth and why choosing the lender offering the highest capacity may damage the investor’s long-term strategy.
36:00 – Why Property Investors Need the Right Team
Finance, tax, financial planning and property strategy must work together. A strong result depends on advisors communicating and understanding the complete plan.
39:00 – What Happens Next?
Dion previews Part Two, where the panel will move beyond diagnosing the problems and discuss how investors may be able to adapt their strategies.