Ershad Ullah's Posts
Introduction: The “Two-Speed” Market of 2026 As we move through the second quarter of 2026, the Sydney property landscape is telling two very different stories. While the premium end of the market—those high-end $5M+ harbour-side retreats—is seeing a modest softening, the “lower-quartile” affordable hubs are in a state of rapid acceleration. Recent data from Q1 […]
Introduction: Why We Are Asking for More Information If you’ve noticed your accountant or solicitor asking for more detailed identification lately—including questions about where your investment funds originated—you aren’t alone. As of July 1, 2026, the Federal Government’s “Tranche 2” reforms have officially launched. These laws require professional service providers across Sydney to perform enhanced […]
Over the past few years, buying investment properties through a trust has become increasingly popular among Australian investors. The appeal is clear — better asset protection, potential tax planning benefits, and long-term flexibility. However, a quiet but significant shift is now happening in the lending space. Major lenders such as ANZ, Commonwealth Bank, and Macquarie Bank are tightening their […]
Many small business owners believe they are fully compliant with payroll obligations because they pay employee wages on time and lodge their super contributions each quarter. But from 1 July 2026, that familiar system will change completely. The Australian government is introducing a new regime called Payday Super, which will require employers to pay superannuation […]
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?” During our conversation, it was clear that she was familiar with the general concept 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 […]