Ershad Ullah's Posts
Recently, a prospective client called our office to enquire about pricing for her tax work. She is a general practitioner, and before we even discussed fees, her first question was, “Do you help clients with debt recycling for tax purposes?” When I asked her what she understood about debt recycling, she explained that many of […]
Short-term rental properties such as Airbnb, Stayz, and Booking.com can be highly profitable, but they also create more tax complexity than traditional long-term rentals. At Investax, we regularly see short-stay property owners make honest mistakes at tax time — under-reporting income, over-claiming expenses, or failing to properly apportion private use. With increased ATO data matching […]
House prices and interest rates are both expected to rise in 2026 — a combination that feels uncomfortable for many buyers and investors. Traditionally, higher interest rates cool property prices. But the Australian property market has rarely followed textbook rules. According to market forecasts by Domain, Sydney house prices are expected to grow by around […]
From February 2026, major changes are coming to the lending landscape in Australia. The Australian Prudential Regulation Authority (APRA) has announced a new limit on high debt-to-income lending, a measure designed to curb riskier home loans and maintain stability in the financial system. While this rule applies to banks and lenders, its effects will be […]
Salary packaging—often called salary sacrifice—is a powerful tax strategy that allows employees to receive part of their income in benefits rather than cash. When used properly, it can help both employees reduce taxable income, and employers attract and retain talent more effectively. However, the key to maximising its value lies in understanding how fringe benefits are treated for tax purposes. This […]
Many homeowners and property investors come to us with a common question: “I already own a home and I’m about to buy my first investment property — how do I make sure it’s structured properly?” At Investax, we always encourage our clients to reach out before signing any contract of sale for their investment property. Getting the structure right […]
Building a property portfolio often begins with one smart move — using the equity in your first property to fast-track your next investment. Many Australians find it challenging to buy their first home due to the large deposit required. However, once you’ve overcome that hurdle and built some equity in your first property, you’re already […]
Why Year-End Is the Perfect Time to House Hunt As the year draws to a close, many Australians turn their attention from tax planning to house hunting. December is traditionally a quieter time in the property market, which can work to your advantage. Sellers are often motivated to close deals before the new year, and […]
There’s been a lot of confusion about the Division 296 tax — especially among clients with larger super balances who keep a close eye on superannuation changes. Many have asked: What happened to the old version? Is it really taxing unrealised gains? And what will the new system look like from 2026 onward? This article breaks down the recent government […]