Going Up: Buying High Rise Strata Just Got Better, or Did It?

The Opal Tower failure in Homebush Bay has heightened fears about high rise residential building defects.  Only last year the combustible cladding drama resulted in new laws and from 22 February 2019 all residential apartment owners must have checked for external combustible cladding and if affected, registered with the NSW Government Now, post-Opal, the big […]

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Hybrid Securities

Hybrid securities may be issued by well-known companies, banks and insurers, but they are very different from other fixed interest investments.  Hybrid securities can expose you to ‘equity-like’ risks but only give you ‘bond-like’ returns. Some allow the issuer to exit the deal or suspend interest payments when they choose. Others may convert into ordinary […]

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Bonds

A Bonding Investment When you invest in bonds, you are effectively lending money to a government or company at an agreed interest rate for a set period of time. In return, the borrower promises to pay you interest at regular intervals and repay your loan at the end of the term. Bonds should be considered […]

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Three Positive Signs for Global Growth in 2019

The Australian property market has remained weak coming into 2019. Many investors in 2018, particularly at the end of the year, were worried the global economy was slowing and that it might slide into recession. The concerns contributed to the weakness in share markets at the end of the year, along with a bit of […]

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APRA to Remove Interest-Only Benchmark for Residential Mortgage Lending

The Australian Prudential Regulation Authority (APRA) has announced that it will remove its supervisory benchmark on interest-only residential mortgage lending by authorised deposit-taking institutions (ADIs). The benchmark was put in place as a temporary measure in March 2017, as part of a range of actions over recent years to reinforce sound lending practices. The introduction […]

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Beware of Short Term Rentals, Lettings and Property Investors

Short Term Lettings and Property Investors Short term lettings have been for some investors an absolute bonanza, returning well above average returns. However, short term rentals have been in a legal limbo since a NSW court decided that short term lettings were not lawful under local planning laws.   Do you remember the story (only […]

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ATO Switchboard Numbers Spoofed by Scammers

The ATO announces further phone scams targeting the public by sophisticated scammers which pressure tax payers into payment for falsified tax debt.  Their announcement was: Similar to previous alerts we have issued in September and March this year, we are seeing an increased number of reports of scammers contacting members of the public pretending to be from the ATO […]

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A Cladding Tinderbox: Will your High Rise Insulate or Immolate?

No-one wants to get caught in a high rise fire.  A spate of external cladding fires around the world has prompted new precautions.  Anyone that owns or lives in a residential high rise should read on. Inflammable aluminium composite panels were banned in NSW from 15 August 2018 due to fire safety risks.  An existing […]

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Market Correction or Market Downturn

It’s understandable that the recent sharp sell-off on financial markets has left investors feeling particularly nervous. The main concern has been the US Federal Reserve’s shift in monetary policy from low rates and printing money to rising rates and the withdrawal of that printing policy. But there’s also a lengthy worry list of issues that […]

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Investment Property Depreciation

On 15 November 2017, the Treasury Laws Amendment (Housing Tax Integrity) Bill 2017 was passed by both Houses of Federal Parliament, with the Bill now legislation. This amendment implements the changes to depreciation legislation announced in the May 2017 Federal Budget. Overview The Australian Taxation Office (ATO) defines two types of depreciation allowances available for […]

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