Ershad Ullah's Posts
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 […]
Lately, we’ve noticed that many property investors are becoming increasingly aware of how tax structures can impact their overall wealth. They’re actively exploring ways to minimise tax, acquire more properties, and protect their existing assets. Among the most discussed strategies are purchasing property through a trust or via a Self-Managed Super Fund (SMSF). Both structures can deliver excellent long-term benefits, but they also […]
Capital Gains Tax (CGT) remains one of the most popular topics among property investors, and for good reason. Many assume it’s simply the difference between buying and selling an asset, but the reality is far more complex. The calculation involves multiple factors such as acquisition costs, ownership structures, and timing. When subdivision enters the picture, […]
From our experience working with developers, we are seeing a clear trend—more and more experienced property investors are stepping into property development. These “small developers,” often working on projects ranging from $4 million to $20 million, quickly realise that the structure they choose can make or break their business outcomes. The risks are even greater […]