Unlock Wealth Property

Unlock Wealth Property We provide buyers advocate services to Australian home buyers & property investors. Unlock your wealth. Build your future.

โญ Unlock Wealth Property

We help everyday Australians ๐’ƒ๐’–๐’š ๐’”๐’Ž๐’‚๐’“๐’•๐’†๐’“, ๐’Š๐’๐’—๐’†๐’”๐’• ๐’”๐’•๐’“๐’‚๐’•๐’†๐’ˆ๐’Š๐’„๐’‚๐’๐’๐’š, ๐’‚๐’๐’… ๐’ƒ๐’–๐’Š๐’๐’… ๐’๐’๐’๐’ˆ-๐’•๐’†๐’“๐’Ž ๐’˜๐’†๐’‚๐’๐’•๐’‰ ๐’•๐’‰๐’“๐’๐’–๐’ˆ๐’‰ ๐’‘๐’“๐’๐’‘๐’†๐’“๐’•๐’š. Led by Sam Chandrarathne, a ๐’๐’Š๐’„๐’†๐’๐’”๐’†๐’… Buyers Advocate and ๐’†๐’™๐’‘๐’†๐’“๐’Š๐’†๐’๐’„๐’†๐’… property investor, we specialise in finding ๐’‰๐’Š๐’ˆ๐’‰-๐’‘๐’†๐’“๐’‡๐’๐’“๐’Ž๐’Š๐’๐’ˆ ๐’‘๐’“๐’๐’‘๐’†๐’“๐’•๐’Š๐’†๐’” that align with your short, medium, and long-term financial goals.

๐Ÿก What We Do

โœ” ๐ƒ๐š๐ญ๐š-๐ƒ๐ซ๐ข๐ฏ๐ž๐ง ๐ƒ๐ž๐œ๐ข๐ฌ๐ข๐จ๐ง๐ฌ โ€“ Suburb research f

or your brief, cash-flow analysis, and growth modelling.

โœ” ๐๐ฎ๐ฒ๐ž๐ซ๐ฌ ๐€๐๐ฏ๐จ๐œ๐š๐œ๐ฒ โ€“ We search, analyse, negotiate, and secure the right property for you.

โœ” ๐๐ซ๐จ๐ฉ๐ž๐ซ๐ญ๐ฒ ๐’๐ญ๐ซ๐š๐ญ๐ž๐ ๐ฒ โ€“ Clear, personalised plans to help you grow your portfolio with confidence.

โœ” ๐…๐ฎ๐ฅ๐ฅ ๐’๐ฎ๐ฉ๐ฉ๐จ๐ซ๐ญ โ€“ From initial consultation to settlement, we guide you every step of the way.

โœ” ๐Ž๐Ÿ๐Ÿ-๐Œ๐š๐ซ๐ค๐ž๐ญ ๐Ž๐ฉ๐ฉ๐จ๐ซ๐ญ๐ฎ๐ง๐ข๐ญ๐ข๐ž๐ฌ โ€“ Access deals you wonโ€™t find online. Unlock Wealth Property โ€“ Your trusted Buyers Advocates.

๐Ÿšจ HOME BUYERS โ€” ๐‘ซ๐’๐’โ€™๐’• ๐‘ถ๐’—๐’†๐’“๐’‘๐’‚๐’š Like This ๐ŸšจA real story from Craigieburn VIC ๐Ÿ‘‡A family (new to Australia ๐Ÿ‡ฆ๐Ÿ‡บ) set a budget ...
16/05/2026

๐Ÿšจ HOME BUYERS โ€” ๐‘ซ๐’๐’โ€™๐’• ๐‘ถ๐’—๐’†๐’“๐’‘๐’‚๐’š Like This ๐Ÿšจ

A real story from Craigieburn VIC ๐Ÿ‘‡

A family (new to Australia ๐Ÿ‡ฆ๐Ÿ‡บ) set a budget of $850,000 to buy their first home.

๐Ÿ‘‰ They found a property they loved
๐Ÿ‘‰ ๐‘จ๐’–๐’„๐’•๐’Š๐’๐’ ๐’‘๐’‚๐’”๐’”๐’†๐’… ๐’Š๐’ ๐’‚๐’• $๐Ÿด๐Ÿฌ๐Ÿฌ,๐Ÿฌ๐Ÿฌ๐Ÿฌ
๐Ÿ‘‰ Later listed at $850,000

*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ

Sounds like a fair deal? โŒ Not quiteโ€ฆ

*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ

๐Ÿ“Š ๐‘พ๐’‰๐’‚๐’• ๐’•๐’‰๐’† ๐‘ซ๐‘จ๐‘ป๐‘จ ๐’”๐’‰๐’๐’˜๐’†๐’…:
๐Ÿก Estimated value: Up to $842,000
๐Ÿฆ ANZ valuation: $743K โ€“ $821K
โฑ๏ธ Days on Market: ~30โ€“39 days (balanced market)
๐Ÿ“ฆ Supply: ~250 homes listed monthly

๐Ÿ‘‰ Buyers had PLENTY of options
๐Ÿ‘‰ There was ๐‘ต๐‘ถ ๐’๐’†๐’†๐’… ๐’•๐’ ๐’๐’—๐’†๐’“๐’‘๐’‚๐’š

*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ

โ— What actually happened

๐Ÿ’ฅ They bought it for $885,000

๐Ÿ‘‰ ๐‘ป๐’‰๐’‚๐’•โ€™๐’” $๐Ÿฐ๐Ÿฌ๐—žโ€“$๐Ÿฑ๐Ÿฌ๐—ž ๐‘ถ๐‘ฝ๐‘ฌ๐‘น ๐’Ž๐’‚๐’“๐’Œ๐’†๐’• ๐’—๐’‚๐’๐’–๐’†

*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ

๐Ÿ˜Ÿ Why this happens

โŒ No market research (CMA)
โŒ No understanding of local conditions
โŒ No negotiation strategy
โŒ Emotional buying
โŒ Trusted the agent blindly
โŒ Did NOT do a Building & Pest inspection โ€“ they have no idea what issues may exist inside the home, whether minor or major, and missed a key opportunity to negotiate the price down

๐™๐™๐™š๐™ฎ ๐™™๐™ž๐™™ ๐™ฃ๐™ค๐™ฉ ๐™ช๐™จ๐™š ๐™– ๐™—๐™ช๐™ฎ๐™š๐™ง'๐™จ ๐™–๐™™๐™ซ๐™ค๐™˜๐™–๐™ฉ๐™š

*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ

๐Ÿ’ธ ๐‘ป๐’‰๐’† ๐‘น๐‘ฌ๐‘จ๐‘ณ ๐‘ช๐‘ถ๐‘บ๐‘ป

That extra $40Kโ€“$50Kโ€ฆ
๐Ÿ‘‰ Gets paid over 30 years mortgage - ๐—˜๐˜…๐˜๐—ฟ๐—ฎ ๐—ฝ๐—ฎ๐˜†๐—บ๐—ฒ๐—ป๐˜ ๐—ผ๐—ณ $๐Ÿด๐Ÿฑ,๐Ÿฌ๐Ÿฌ๐Ÿฌ - $๐Ÿญ๐Ÿฌ๐Ÿฑ,๐Ÿฌ๐Ÿฌ๐Ÿฌ ๐—ฎ๐˜ ๐Ÿฒ% ๐—ถ๐—ป๐˜๐—ฒ๐—ฟ๐—ฒ๐˜€๐˜ ๐—ฟ๐—ฎ๐˜๐—ฒ
๐Ÿ‘‰ Impacts your financial future

*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ

๐Ÿง  Reality of ๐’•๐’๐’…๐’‚๐’šโ€™๐’” ๐’Ž๐’‚๐’“๐’Œ๐’†๐’• in Craigieburn:

โœ”๏ธ High supply = Buyer power
โœ”๏ธ Balanced market = Time to negotiate
โœ”๏ธ Less competition above $800K

*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ

๐Ÿ‘‰ Smart buyers negotiate DOWN
๐Ÿ‘‰ Not stretch UP

*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ

โš ๏ธ ๐‘ซ๐’๐’โ€™๐’• ๐’Ž๐’‚๐’Œ๐’† ๐’•๐’‰๐’Š๐’” ๐’Ž๐’Š๐’”๐’•๐’‚๐’Œ๐’†

*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ

This buyer was actually a ๐’‘๐’“๐’๐’‘๐’†๐’“๐’•๐’š ๐’๐’‚๐’˜๐’š๐’†๐’“ โ€” but new to the Melbourne market.

๐Ÿ‘‰ Even ๐’”๐’Ž๐’‚๐’“๐’• ๐’‘๐’“๐’๐’‡๐’†๐’”๐’”๐’Š๐’๐’๐’‚๐’๐’” ๐’ˆ๐’†๐’• ๐’„๐’‚๐’–๐’ˆ๐’‰๐’•
๐Ÿ‘‰ Without the RIGHT guidance

*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ

โœ… ๐‘ฏ๐’๐’˜ ๐’˜๐’† ๐’‰๐’†๐’๐’‘ ๐’š๐’๐’– ๐’˜๐’Š๐’

At Unlock Wealth Property:

โœ”๏ธ ๐˜ฟ๐™–๐™ฉ๐™–-๐™™๐™ง๐™ž๐™ซ๐™š๐™ฃ buying decisions
โœ”๏ธ ๐™‹๐™ง๐™ค๐™›๐™š๐™จ๐™จ๐™ž๐™ค๐™ฃ๐™–๐™ก ๐™ฃ๐™š๐™œ๐™ค๐™ฉ๐™ž๐™–๐™ฉ๐™ž๐™ค๐™ฃ (save $10Ks)
โœ”๏ธ ๐™๐™ช๐™ก๐™ก ๐™™๐™ช๐™š ๐™™๐™ž๐™ก๐™ž๐™œ๐™š๐™ฃ๐™˜๐™š, including Building & Pest inspections
โœ”๏ธ Protect you from ๐™–๐™œ๐™š๐™ฃ๐™ฉ ๐™ฉ๐™–๐™˜๐™ฉ๐™ž๐™˜๐™จ

*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ*ฬฒ

๐Ÿ’ฌ ๐™’๐™–๐™ฃ๐™ฉ ๐™ฉ๐™ค ๐™–๐™ซ๐™ค๐™ž๐™™ ๐™ค๐™ซ๐™š๐™ง๐™ฅ๐™–๐™ฎ๐™ž๐™ฃ๐™œ?

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๐™‡๐™š๐™ฉโ€™๐™จ ๐™ข๐™–๐™ ๐™š ๐™จ๐™ช๐™ง๐™š ๐™ฎ๐™ค๐™ช๐™ง ๐™›๐™ž๐™ง๐™จ๐™ฉ ๐™ฅ๐™ง๐™ค๐™ฅ๐™š๐™ง๐™ฉ๐™ฎ ๐™ž๐™จ ๐™– ๐™จ๐™ข๐™–๐™ง๐™ฉ ๐™™๐™š๐™˜๐™ž๐™จ๐™ž๐™ค๐™ฃ โ€” ๐™ฃ๐™ค๐™ฉ ๐™–๐™ฃ ๐™š๐™ข๐™ค๐™ฉ๐™ž๐™ค๐™ฃ๐™–๐™ก ๐™ข๐™ž๐™จ๐™ฉ๐™–๐™ ๐™š.

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๐”๐ง๐ฅ๐จ๐œ๐ค ๐–๐ž๐š๐ฅ๐ญ๐ก ๐๐ซ๐จ๐ฉ๐ž๐ซ๐ญ๐ฒ - ๐˜๐จ๐ฎ๐ซ ๐“๐ซ๐ฎ๐ฌ๐ญ๐ž๐ ๐๐ฎ๐ฒ๐ž๐ซ๐ฌ ๐€๐๐ฏ๐จ๐œ๐š๐ญ๐ž

๐Ÿšจ ๐‘ญ๐‘ฌ๐‘ซ๐‘ฌ๐‘น๐‘จ๐‘ณ ๐‘ฉ๐‘ผ๐‘ซ๐‘ฎ๐‘ฌ๐‘ป 2026 โ€” ๐‘พ๐‘ฏ๐‘จ๐‘ป ๐‘ฐ๐‘ป ๐‘ด๐‘ฌ๐‘จ๐‘ต๐‘บ ๐‘ญ๐‘ถ๐‘น ๐‘ท๐‘น๐‘ถ๐‘ท๐‘ฌ๐‘น๐‘ป๐’€ ๐‘ฉ๐‘ผ๐’€๐‘ฌ๐‘น๐‘บ & ๐‘ฐ๐‘ต๐‘ฝ๐‘ฌ๐‘บ๐‘ป๐‘ถ๐‘น๐‘บ ๐Ÿก๐Ÿ“ˆFederal Budget announced some MAJOR proposed cha...
13/05/2026

๐Ÿšจ ๐‘ญ๐‘ฌ๐‘ซ๐‘ฌ๐‘น๐‘จ๐‘ณ ๐‘ฉ๐‘ผ๐‘ซ๐‘ฎ๐‘ฌ๐‘ป 2026 โ€” ๐‘พ๐‘ฏ๐‘จ๐‘ป ๐‘ฐ๐‘ป ๐‘ด๐‘ฌ๐‘จ๐‘ต๐‘บ ๐‘ญ๐‘ถ๐‘น ๐‘ท๐‘น๐‘ถ๐‘ท๐‘ฌ๐‘น๐‘ป๐’€ ๐‘ฉ๐‘ผ๐’€๐‘ฌ๐‘น๐‘บ & ๐‘ฐ๐‘ต๐‘ฝ๐‘ฌ๐‘บ๐‘ป๐‘ถ๐‘น๐‘บ ๐Ÿก๐Ÿ“ˆ

Federal Budget announced some MAJOR proposed changes to:
โœ… Negative Gearing
โœ… Capital Gains Tax (CGT)
โœ… Discretionary Trusts
โœ… Housing Infrastructure & Supply

These changes could reshape the Australian property market over the next decade.

Here are the KEY takeaways explained simply ๐Ÿ‘‡

โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”
๐Ÿ  1. ๐‘ต๐‘ฌ๐‘ฎ๐‘จ๐‘ป๐‘ฐ๐‘ฝ๐‘ฌ ๐‘ฎ๐‘ฌ๐‘จ๐‘น๐‘ฐ๐‘ต๐‘ฎ ๐‘ช๐‘ฏ๐‘จ๐‘ต๐‘ฎ๐‘ฌ๐‘บ
โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”

๐Ÿ“Œ Proposed from ๐Ÿญ ๐—๐˜‚๐—น๐˜† ๐Ÿฎ๐Ÿฌ๐Ÿฎ๐Ÿณ

Negative gearing tax benefits may only apply to newly built properties.

โŒ Investors purchasing EXISTING established properties after the changes may only offset losses against rental income โ€” NOT wages.

๐Ÿ“Œ Losses would carry forward instead.

โœ… Existing property owners before the changes are expected to keep current benefits under ๐™‚๐™๐˜ผ๐™‰๐˜ฟ๐™๐˜ผ๐™๐™ƒ๐™€๐™๐™„๐™‰๐™‚ rules.

๐Ÿ’ก ๐‘บ๐‘ฐ๐‘ด๐‘ท๐‘ณ๐‘ฌ ๐‘ฌ๐‘ฟ๐‘จ๐‘ด๐‘ท๐‘ณ๐‘ฌ:

Current system:
โ€ข Investor salary = $120K
โ€ข Property loss = $15K/year
โ€ข Taxable income reduces to $105K
โ€ข Approximate tax benefit = $5Kโ€“$6K

Under ๐’‘๐’“๐’๐’‘๐’๐’”๐’†๐’… ๐’„๐’‰๐’‚๐’๐’ˆ๐’†๐’”:
โŒ The $15,000 loss CANNOT be offset against wages.
โœ… It gets ๐’„๐’‚๐’“๐’“๐’Š๐’†๐’… ๐’‡๐’๐’“๐’˜๐’‚๐’“๐’… and can only reduce future rental income or be used when selling.

๐Ÿ“Œ Tax impact at 37% marginal tax rate:
โžก๏ธ Around $5,550 LESS in annual tax savings every year until the property becomes positively geared or sold.

โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”
๐Ÿ“ˆ 2. ๐‘ช๐‘จ๐‘ท๐‘ฐ๐‘ป๐‘จ๐‘ณ ๐‘ฎ๐‘จ๐‘ฐ๐‘ต๐‘บ ๐‘ป๐‘จ๐‘ฟ (๐‘ช๐‘ฎ๐‘ป) ๐‘ช๐‘ฏ๐‘จ๐‘ต๐‘ฎ๐‘ฌ๐‘บ
โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”

๐Ÿ“Œ The Government plans to replace the current 50% CGT discount with a ๐’๐’†๐’˜ ๐’Š๐’๐’‡๐’๐’‚๐’•๐’Š๐’๐’-๐’Š๐’๐’…๐’†๐’™๐’†๐’… system.

๐Ÿ“Œ A minimum ๐Ÿฏ๐Ÿฌ% ๐˜๐—ฎ๐˜… on gains is proposed from ๐Ÿญ ๐—๐˜‚๐—น๐˜† ๐Ÿฎ๐Ÿฌ๐Ÿฎ๐Ÿณ.

What this means ๐Ÿ‘‡

โœ… Gains ๐‘ฉ๐‘ฌ๐‘ญ๐‘ถ๐‘น๐‘ฌ 1 July 2027:
๐™‚๐™๐˜ผ๐™‰๐˜ฟ๐™๐˜ผ๐™๐™ƒ๐™€๐™๐™„๐™‰๐™‚ - Still receive the current ๐Ÿฑ๐Ÿฌ% ๐—ฑ๐—ถ๐˜€๐—ฐ๐—ผ๐˜‚๐—ป๐˜.

โŒ Gains ๐‘จ๐‘ญ๐‘ป๐‘ฌ๐‘น 1 July 2027:
Would move to an ๐’Š๐’๐’‡๐’๐’‚๐’•๐’Š๐’๐’-๐’Š๐’๐’…๐’†๐’™๐’†๐’… ๐’”๐’š๐’”๐’•๐’†๐’Ž instead of the flat 50% discount.

โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”
๐Ÿ“Œ ๐‘ช๐‘ฎ๐‘ป ๐‘ฌ๐‘ฟ๐‘จ๐‘ด๐‘ท๐‘ณ๐‘ฌ โ€” ESTABLISHED PROPERTY
โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”

Investor buys property in 2023 for $800,000
Sells in 2030 for $1,200,000

๐Ÿ“ˆ Total gain = $400,000

Split between:
โ€ข Gains before July 2027
โ€ข Gains after July 2027

โœ… Pre-2027 gains:
~$228,000 gain
โžก๏ธ 50% discount applies
โžก๏ธ Taxable gain = $114,000

โŒ Post-2027 gains:
~$172,000 gain
โžก๏ธ Inflation indexing applies
โžก๏ธ Taxable gain = ~$147,000

๐Ÿ“Œ Under old rules:
Taxable gain โ‰ˆ $200,000

๐Ÿ“Œ Under proposed rules:
Taxable gain โ‰ˆ $261,000

โš ๏ธ At a 45% tax rate, that could mean:
โžก๏ธ Around $27,000 MORE tax on this single sale.

โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”
๐Ÿฆ 3. ๐‘ซ๐‘ฐ๐‘บ๐‘ช๐‘น๐‘ฌ๐‘ป๐‘ฐ๐‘ถ๐‘ต๐‘จ๐‘น๐’€ ๐‘ป๐‘น๐‘ผ๐‘บ๐‘ป ๐‘ช๐‘ฏ๐‘จ๐‘ต๐‘ฎ๐‘ฌ๐‘บ
โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”

๐Ÿ“Œ From ๐Ÿญ ๐—๐˜‚๐—น๐˜† ๐Ÿฎ๐Ÿฌ๐Ÿฎ๐Ÿด:
Government plans to introduce a ๐— ๐—œ๐—ก๐—œ๐— ๐—จ๐—  ๐Ÿฏ๐Ÿฌ% ๐˜๐—ฎ๐˜… on discretionary trusts.

This could heavily impact family trust structures used by property investors.

๐Ÿ’ก ๐‘ป๐‘น๐‘ผ๐‘บ๐‘ป ๐‘ฌ๐‘ฟ๐‘จ๐‘ด๐‘ท๐‘ณ๐‘ฌ:

Property held in family trust
Net rental profit = $60,000

CURRENT SYSTEM:
โ€ข $30K distributed to spouse โ†’ low tax
โ€ข $30K distributed to adult child โ†’ low tax

โœ… Total tax โ‰ˆ $11,400

UNDER PROPOSED RULES:
โŒ Minimum 30% tax applies

โžก๏ธ Minimum tax = $18,000
โžก๏ธ Extra cost โ‰ˆ $6,600 PER YEAR

โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”
๐Ÿ—๏ธ 4. ๐‘ฉ๐‘ฐ๐‘ณ๐‘ณ๐‘ฐ๐‘ถ๐‘ต๐‘บ ๐‘ป๐‘ถ๐‘พ๐‘จ๐‘น๐‘ซ๐‘บ ๐‘ฏ๐‘ถ๐‘ผ๐‘บ๐‘ฐ๐‘ต๐‘ฎ & ๐‘ฐ๐‘ต๐‘ญ๐‘น๐‘จ๐‘บ๐‘ป๐‘น๐‘ผ๐‘ช๐‘ป๐‘ผ๐‘น๐‘ฌ
โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”

Government announced major funding towards:

โœ… Roads
โœ… Water & sewer infrastructure
โœ… Utilities
โœ… Housing developments
โœ… Faster land releases & planning

๐Ÿ“Œ More than $8 BILLION expected to be raised from investor & trust tax changes over 5 years.

๐Ÿ“Œ Around $2 BILLION allocated towards infrastructure to support construction of approximately ๐Ÿฒ๐Ÿฑ,๐Ÿฌ๐Ÿฌ๐Ÿฌ homes over the ๐’๐’†๐’™๐’• ๐’…๐’†๐’„๐’‚๐’…๐’†.

๐Ÿ—๏ธ Supports infrastructure (roads, water, power, sewerage), ๐‘ต๐‘ถ๐‘ป ๐’…๐’Š๐’“๐’†๐’„๐’• ๐’„๐’๐’๐’”๐’•๐’“๐’–๐’„๐’•๐’Š๐’๐’
โš ๏ธ ๐‘ต๐’ ๐’“๐’†๐’‚๐’ ๐’”๐’–๐’‘๐’‘๐’๐’š ๐’‡๐’Š๐’™ + ๐Ÿ“‰ higher taxes may deter investors

Howeverโ€ฆ

โš ๏ธ Treasury modelling also suggests:
โ€ข ๐‘ฏ๐’๐’–๐’”๐’† ๐’‘๐’“๐’Š๐’„๐’† growth may ๐’”๐’๐’๐’˜
โ€ข ๐‘น๐’†๐’๐’•๐’‚๐’ ๐’”๐’–๐’‘๐’‘๐’๐’š could ๐’•๐’Š๐’ˆ๐’‰๐’•๐’†๐’
โ€ข ๐‘น๐’†๐’๐’•๐’” ๐’Š๐’๐’„๐’“๐’†๐’‚๐’”๐’† further

โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”
๐Ÿ‘จโ€๐Ÿ‘ฉโ€๐Ÿ‘ง ๐‘ฏ๐‘ถ๐‘พ ๐‘ป๐‘ฏ๐‘ฐ๐‘บ ๐‘ด๐‘จ๐’€ ๐‘จ๐‘ญ๐‘ญ๐‘ฌ๐‘ช๐‘ป ๐‘ญ๐‘ฐ๐‘น๐‘บ๐‘ป ๐‘ฏ๐‘ถ๐‘ด๐‘ฌ ๐‘ฉ๐‘ผ๐’€๐‘ฌ๐‘น๐‘บ
โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”

Potential positives:
โœ… Less investor competition for some homes
โœ… More opportunities to enter the market
โœ… Slower growth in some areas
โœ… Increased supply over time

BUTโ€ฆ

โš ๏ธ ๐‘ธ๐’–๐’‚๐’๐’Š๐’•๐’š ๐’†๐’”๐’•๐’‚๐’ƒ๐’๐’Š๐’”๐’‰๐’†๐’… ๐’‰๐’๐’–๐’”๐’†๐’” ๐’Š๐’ ๐’•๐’Š๐’ˆ๐’‰๐’•๐’๐’š ๐’‰๐’†๐’๐’… ๐’”๐’–๐’ƒ๐’–๐’“๐’ƒ๐’” ๐’Ž๐’‚๐’š ๐‘บ๐‘ป๐‘ฐ๐‘ณ๐‘ณ ๐’“๐’†๐’Ž๐’‚๐’Š๐’ ๐’‰๐’Š๐’ˆ๐’‰๐’๐’š ๐’„๐’๐’Ž๐’‘๐’†๐’•๐’Š๐’•๐’Š๐’—๐’† because:
๐Ÿ“ Land is limited
๐Ÿ“ Supply is low
๐Ÿ“ Owner occupier demand remains strong

โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”
๐Ÿ“Š ๐‘ฏ๐‘ถ๐‘พ ๐‘ป๐‘ฏ๐‘ฐ๐‘บ ๐‘ด๐‘จ๐’€ ๐‘จ๐‘ญ๐‘ญ๐‘ฌ๐‘ช๐‘ป ๐‘ฐ๐‘ต๐‘ฝ๐‘ฌ๐‘บ๐‘ป๐‘ถ๐‘น๐‘บ
โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”

These changes may shift investor behaviour significantly.

We may see:
โŒ Less tax-driven investing
โŒ Lower demand for poor-quality investment stock
โŒ More focus on fundamentals
โŒ Greater importance on land value & scarcity

But one thing remains true ๐Ÿ‘‡

๐Ÿ’ก ๐‘ช๐‘จ๐‘ท๐‘ฐ๐‘ป๐‘จ๐‘ณ ๐‘ฎ๐‘จ๐‘ฐ๐‘ต๐‘บ ๐’ƒ๐’–๐’Š๐’๐’… ๐’˜๐’†๐’‚๐’๐’•๐’‰ โ€” ๐‘ต๐‘ถ๐‘ป ๐’•๐’‚๐’™ ๐’ƒ๐’†๐’๐’†๐’‡๐’Š๐’•๐’” ๐’‚๐’๐’๐’๐’†.

A quality property growing:
๐Ÿ“ˆ $150Kโ€“$300K+ over time

โ€ฆwill almost always ๐’๐’–๐’•๐’‘๐’†๐’“๐’‡๐’๐’“๐’Ž chasing short-term tax deductions.

โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”
๐Ÿง  ๐‘ป๐‘ฏ๐‘ฐ๐‘บ ๐‘ช๐‘น๐‘ฌ๐‘จ๐‘ป๐‘ฌ๐‘บ ๐‘ด๐‘ถ๐‘น๐‘ฌ ๐‘ถ๐‘ท๐‘ท๐‘ถ๐‘น๐‘ป๐‘ผ๐‘ต๐‘ฐ๐‘ป๐‘ฐ๐‘ฌ๐‘บ ๐‘ญ๐‘ถ๐‘น ๐‘บ๐‘ด๐‘จ๐‘น๐‘ป, ๐‘บ๐‘ป๐‘น๐‘จ๐‘ป๐‘ฌ๐‘ฎ๐‘ฐ๐‘ช ๐‘ฉ๐‘ผ๐’€๐‘ฌ๐‘น๐‘บ
โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”

This market may favour buyers who focus on:

โœ… Long-term capital growth
โœ… Scarcity & land value
โœ… Strong owner occupier appeal
โœ… Better quality suburbs
โœ… Limited supply locations
โœ… Investment fundamentals over tax benefits

Historically, many of ๐‘จ๐’–๐’”๐’•๐’“๐’‚๐’๐’Š๐’‚โ€™๐’” ๐‘ฉ๐‘ฌ๐‘บ๐‘ป ๐’‘๐’†๐’“๐’‡๐’๐’“๐’Ž๐’Š๐’๐’ˆ ๐’‘๐’“๐’๐’‘๐’†๐’“๐’•๐’Š๐’†๐’” were:

๐Ÿก Established houses
๐Ÿ“ In tightly held suburbs
๐Ÿ“ˆ With strong owner occupier demand
๐Ÿ“‰ Limited supply & scarcity

โ€”not simply properties purchased for tax deductions.

โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”
โš ๏ธ ๐‘ฐ๐‘ด๐‘ท๐‘ถ๐‘น๐‘ป๐‘จ๐‘ต๐‘ป ๐‘ป๐‘จ๐‘ฒ๐‘ฌ๐‘จ๐‘พ๐‘จ๐’€
โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”

The โ€œbuy anything for negative gearingโ€ mindset may become less effective moving forward.

๐™๐™๐™š ๐™ฃ๐™š๐™ญ๐™ฉ ๐™™๐™š๐™˜๐™–๐™™๐™š ๐™ฌ๐™ž๐™ก๐™ก ๐™ง๐™š๐™ฌ๐™–๐™ง๐™™:
โœ”๏ธ ๐™Ž๐™ฉ๐™ง๐™–๐™ฉ๐™š๐™œ๐™ž๐™˜ ๐™—๐™ช๐™ฎ๐™ž๐™ฃ๐™œ
โœ”๏ธ ๐˜ฝ๐™š๐™ฉ๐™ฉ๐™š๐™ง ๐™ก๐™ค๐™˜๐™–๐™ฉ๐™ž๐™ค๐™ฃ๐™จ
โœ”๏ธ ๐™Ž๐™˜๐™–๐™ง๐™˜๐™ž๐™ฉ๐™ฎ
โœ”๏ธ ๐™‡๐™ค๐™ฃ๐™œ-๐™ฉ๐™š๐™ง๐™ข ๐™ฉ๐™๐™ž๐™ฃ๐™ ๐™ž๐™ฃ๐™œ
โœ”๏ธ ๐™Ž๐™ฉ๐™ง๐™ค๐™ฃ๐™œ ๐™›๐™ช๐™ฃ๐™™๐™–๐™ข๐™š๐™ฃ๐™ฉ๐™–๐™ก๐™จ

For many buyers and investors, this could actually create MORE opportunities to secure quality assets while others focus too heavily on short-term tax outcomes.

โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”โ”
๐Ÿ“ž Need help understanding how these changes may impact YOUR strategy?

Whether you are:
๐Ÿก First home buyer
๐Ÿ“ˆ Investor
๐Ÿ˜๏ธ Upgrader

We help clients secure quality properties with strong long-term fundamentals and capital growth potential.

Unlock Wealth Property
Your Trusted Buyerโ€™s Advocates

๐ŸŒ www.unlockwealthproperty.com.au
๐Ÿ“ž 0432 297 200

โš ๏ธ Disclaimer:
This is general information only and does not constitute financial, legal or tax advice. Please seek independent professional advice relevant to your circumstances.

10/05/2026

๐Ÿก๐Ÿ”‘ ๐˜ผ๐™‰๐™Š๐™๐™ƒ๐™€๐™ ๐™Ž๐™ˆ๐˜ผ๐™๐™ ๐™‹๐™๐™Š๐™‹๐™€๐™๐™๐™” ๐™‹๐™๐™๐˜พ๐™ƒ๐˜ผ๐™Ž๐™€ ๐™Ž๐™๐˜พ๐˜พ๐™€๐™Ž๐™Ž๐™๐™๐™‡๐™‡๐™” ๐™Ž๐™€๐™๐™๐™‡๐™€๐˜ฟ!๐Ÿ”‘๐Ÿก

โœ… Purchased for: $625,000
๐Ÿ“ˆ Comparable sales: Above $650,000
๐Ÿ  Typical price for a 3-bedroom house in the area: $738,000
๐Ÿ“Š Median price: $660,000

This is exactly why ๐™จ๐™ฉ๐™ง๐™–๐™ฉ๐™š๐™œ๐™ฎ ๐™ข๐™–๐™ฉ๐™ฉ๐™š๐™ง๐™จ in property investing. ๐Ÿ’ก

This property is located in a highly competitive and affordable Metro Melbourne suburb with strong buyer demand and long-term growth fundamentals. ๐Ÿ“๐Ÿ”ฅ

โœ”๏ธ Close to all essential amenities
โœ”๏ธ Near some of the state's best public schools & universities ๐ŸŽ“
โœ”๏ธ Strong owner-occupier appeal ๐Ÿก
โœ”๏ธ Growth-focused location for medium to long-term capital gains ๐Ÿ“ˆ
โœ”๏ธ Fully renovated with brand-new appliances โœจ
โœ”๏ธ Tax depreciation benefits available ๐Ÿ’ฐ
โœ”๏ธ Potential to subdivide & build a second dwelling ๐Ÿ—๏ธ
โœ”๏ธ Ability to add a granny flat for stronger cash flow returns ๐Ÿ ๐Ÿ’ต

Our investor client was focused on long-term capital growth while also creating future upside opportunities โ€” and thatโ€™s exactly what we secured. ๐Ÿ‘Œ

๐Ÿ”ฅ THATโ€™S THE POWER OF BUYING ๐™Ž๐™ˆ๐˜ผ๐™๐™ with the ๐™ง๐™ž๐™œ๐™๐™ฉ ๐™จ๐™ฉ๐™ง๐™–๐™ฉ๐™š๐™œ๐™ฎ, ๐™ง๐™š๐™จ๐™š๐™–๐™ง๐™˜๐™ & ๐™ฃ๐™š๐™œ๐™ค๐™ฉ๐™ž๐™–๐™ฉ๐™ž๐™ค๐™ฃ.

At Unlock Wealth Property, we help buyers secure:
โœ… The right ๐™ฅ๐™ง๐™ค๐™ฅ๐™š๐™ง๐™ฉ๐™ฎ
โœ… In the right ๐™ก๐™ค๐™˜๐™–๐™ฉ๐™ž๐™ค๐™ฃ
โœ… At the right ๐™ฅ๐™ง๐™ž๐™˜๐™š
โœ… At the right ๐™จ๐™ฉ๐™–๐™œ๐™š ๐™ค๐™› ๐™ฉ๐™๐™š ๐™ข๐™–๐™ง๐™ ๐™š๐™ฉ ๐™˜๐™ฎ๐™˜๐™ก๐™š

We donโ€™t chase overpriced properties that may have already peaked in value. โŒ

We follow a ๐™ฅ๐™ง๐™ค๐™ซ๐™š๐™ฃ ๐™ฅ๐™ง๐™ค๐™˜๐™š๐™จ๐™จ and ๐™™๐™–๐™ฉ๐™–-๐™™๐™ง๐™ž๐™ซ๐™š๐™ฃ methodology designed to help our clients ๐™ค๐™ช๐™ฉ๐™ฅ๐™š๐™ง๐™›๐™ค๐™ง๐™ข average investors who struggle to achieve strong returns. ๐Ÿ“Š๐Ÿ“ˆ

Whether you're a:

๐Ÿ  ๐™๐™ž๐™ง๐™จ๐™ฉ ๐™ƒ๐™ค๐™ข๐™š ๐˜ฝ๐™ช๐™ฎ๐™š๐™ง
๐Ÿ’ผ ๐™„๐™ฃ๐™ซ๐™š๐™จ๐™ฉ๐™ค๐™ง
๐Ÿ“ˆ ๐™Ž๐™ˆ๐™Ž๐™ ๐˜ฝ๐™ช๐™ฎ๐™š๐™ง
๐Ÿ”‘ ๐™Š๐™ฌ๐™ฃ๐™š๐™ง ๐™Š๐™˜๐™˜๐™ช๐™ฅ๐™ž๐™š๐™ง

โ€”we help you ๐™—๐™ช๐™ฎ ๐™ฌ๐™ž๐™ฉ๐™ ๐™˜๐™ค๐™ฃ๐™›๐™ž๐™™๐™š๐™ฃ๐™˜๐™š ๐™–๐™ฃ๐™™ ๐™˜๐™ก๐™–๐™ง๐™ž๐™ฉ๐™ฎ.

๐Ÿ“ฉ DM us today to discuss your property goals and discover how we can help you build long-term wealth through property.

๐Ÿ“ž 0432 297 200
๐Ÿ“ง [email protected]
๐ŸŒ www.unlockwealthproperty.com.au

10/05/2026

๐Ÿก๐Ÿ”‘ ๐˜ผ๐™‰๐™Š๐™๐™ƒ๐™€๐™ ๐™Ž๐™ˆ๐˜ผ๐™๐™ ๐™‹๐™๐™Š๐™‹๐™€๐™๐™๐™” ๐™‹๐™๐™๐˜พ๐™ƒ๐˜ผ๐™Ž๐™€ ๐™Ž๐™๐˜พ๐˜พ๐™€๐™Ž๐™Ž๐™๐™๐™‡๐™‡๐™” ๐™Ž๐™€๐™๐™๐™‡๐™€๐˜ฟ!๐Ÿ”‘๐Ÿก

โœ… Purchased for: $625,000
๐Ÿ“ˆ Comparable sales: Above $650,000
๐Ÿ  Typical price for a 3-bedroom house in the area: $738,000
๐Ÿ“Š Median price: $660,000

This is exactly why ๐™จ๐™ฉ๐™ง๐™–๐™ฉ๐™š๐™œ๐™ฎ ๐™ข๐™–๐™ฉ๐™ฉ๐™š๐™ง๐™จ in property investing. ๐Ÿ’ก

This property is located in a highly competitive and affordable Metro Melbourne suburb with strong buyer demand and long-term growth fundamentals. ๐Ÿ“๐Ÿ”ฅ

โœ”๏ธ Close to all essential amenities
โœ”๏ธ Near some of the state's best public schools & universities ๐ŸŽ“
โœ”๏ธ Strong owner-occupier appeal ๐Ÿก
โœ”๏ธ Growth-focused location for medium to long-term capital gains ๐Ÿ“ˆ
โœ”๏ธ Fully renovated with brand-new appliances โœจ
โœ”๏ธ Tax depreciation benefits available ๐Ÿ’ฐ
โœ”๏ธ Potential to subdivide & build a second dwelling ๐Ÿ—๏ธ
โœ”๏ธ Ability to add a granny flat for stronger cash flow returns ๐Ÿ ๐Ÿ’ต

Our investor client was focused on long-term capital growth while also creating future upside opportunities โ€” and thatโ€™s exactly what we secured. ๐Ÿ‘Œ

๐Ÿ”ฅ THATโ€™S THE POWER OF BUYING ๐™Ž๐™ˆ๐˜ผ๐™๐™ with the ๐™ง๐™ž๐™œ๐™๐™ฉ ๐™จ๐™ฉ๐™ง๐™–๐™ฉ๐™š๐™œ๐™ฎ, ๐™ง๐™š๐™จ๐™š๐™–๐™ง๐™˜๐™ & ๐™ฃ๐™š๐™œ๐™ค๐™ฉ๐™ž๐™–๐™ฉ๐™ž๐™ค๐™ฃ.

At Unlock Wealth Property, we help buyers secure:
โœ… The right ๐™ฅ๐™ง๐™ค๐™ฅ๐™š๐™ง๐™ฉ๐™ฎ
โœ… In the right ๐™ก๐™ค๐™˜๐™–๐™ฉ๐™ž๐™ค๐™ฃ
โœ… At the right ๐™ฅ๐™ง๐™ž๐™˜๐™š
โœ… At the right ๐™จ๐™ฉ๐™–๐™œ๐™š ๐™ค๐™› ๐™ฉ๐™๐™š ๐™ข๐™–๐™ง๐™ ๐™š๐™ฉ ๐™˜๐™ฎ๐™˜๐™ก๐™š

We donโ€™t chase overpriced properties that may have already peaked in value. โŒ

We follow a ๐™ฅ๐™ง๐™ค๐™ซ๐™š๐™ฃ ๐™ฅ๐™ง๐™ค๐™˜๐™š๐™จ๐™จ and ๐™™๐™–๐™ฉ๐™–-๐™™๐™ง๐™ž๐™ซ๐™š๐™ฃ methodology designed to help our clients ๐™ค๐™ช๐™ฉ๐™ฅ๐™š๐™ง๐™›๐™ค๐™ง๐™ข average investors who struggle to achieve strong returns. ๐Ÿ“Š๐Ÿ“ˆ

Whether you're a:
๐Ÿ  First Home Buyer
๐Ÿ’ผ Investor
๐Ÿ“ˆ SMSF Buyer
๐Ÿ”‘ Owner Occupier

โ€”we help you ๐™—๐™ช๐™ฎ ๐™ฌ๐™ž๐™ฉ๐™ ๐™˜๐™ค๐™ฃ๐™›๐™ž๐™™๐™š๐™ฃ๐™˜๐™š ๐™–๐™ฃ๐™™ ๐™˜๐™ก๐™–๐™ง๐™ž๐™ฉ๐™ฎ.

๐Ÿ“ฉ DM us today to discuss your property goals and discover how we can help you build long-term wealth through property.

๐Ÿ“ž 0432 297 200
๐Ÿ“ง [email protected]
๐ŸŒ Unlock Wealth Property

๐Ÿฆ ๐™๐˜ฝ๐˜ผ ๐™๐˜ผ๐™๐™€ ๐™๐™‹๐˜ฟ๐˜ผ๐™๐™€ โ€” ๐™’๐™๐™–๐™ฉ ๐™ž๐™ฉ ๐™ข๐™š๐™–๐™ฃ๐™จ ๐™›๐™ค๐™ง ๐™”๐™Š๐™ ๐ŸฆThe Reserve Bank has just raised the ๐™˜๐™–๐™จ๐™ ๐™ง๐™–๐™ฉ๐™š ๐™ฉ๐™ค ๐Ÿ’.๐Ÿ‘๐Ÿ“%๐Ÿ“ˆ ๐™๐™–๐™ฉ๐™š๐™จ ๐™–๐™ง๐™š ๐™œ๐™ค๐™ž๐™ฃ๐™œ ๐™๐™‹ (...
05/05/2026

๐Ÿฆ ๐™๐˜ฝ๐˜ผ ๐™๐˜ผ๐™๐™€ ๐™๐™‹๐˜ฟ๐˜ผ๐™๐™€ โ€” ๐™’๐™๐™–๐™ฉ ๐™ž๐™ฉ ๐™ข๐™š๐™–๐™ฃ๐™จ ๐™›๐™ค๐™ง ๐™”๐™Š๐™ ๐Ÿฆ

The Reserve Bank has just raised the ๐™˜๐™–๐™จ๐™ ๐™ง๐™–๐™ฉ๐™š ๐™ฉ๐™ค ๐Ÿ’.๐Ÿ‘๐Ÿ“%

๐Ÿ“ˆ ๐™๐™–๐™ฉ๐™š๐™จ ๐™–๐™ง๐™š ๐™œ๐™ค๐™ž๐™ฃ๐™œ ๐™๐™‹ (๐™–๐™œ๐™–๐™ž๐™ฃ)

This is the third rate rise in a row this year. Remember those three rate cuts we got last year? They've now been completely wiped out. We're back to 2024 conditions.

๐Ÿ’ธ Your mortgage repayments are increasing
Banks are expected to pass this rise on to borrowers โ€” meaning your minimum monthly repayments are going up. If you're on a variable rate, brace yourself.

โ›ฝ ๐˜พ๐™ค๐™จ๐™ฉ ๐™ค๐™› ๐™ก๐™ž๐™ซ๐™ž๐™ฃ๐™œ ๐™ž๐™จ๐™ฃ'๐™ฉ ๐™œ๐™š๐™ฉ๐™ฉ๐™ž๐™ฃ๐™œ ๐™š๐™–๐™จ๐™ž๐™š๐™ง ๐™–๐™ฃ๐™ฎ๐™ฉ๐™ž๐™ข๐™š ๐™จ๐™ค๐™ค๐™ฃ

The conflict in the Middle East is pushing up fuel and commodity prices, which is flowing through to everyday goods and services. Expect prices at the shops and bowser to stay elevated heading into winter.

๐Ÿ“Š ๐™’๐™๐™ฎ ๐™™๐™ž๐™™ ๐™ฉ๐™๐™š ๐™๐˜ฝ๐˜ผ ๐™™๐™ค ๐™ฉ๐™๐™ž๐™จ?

Inflation spiked sharply in the second half of 2025 and has continued rising into 2026. The RBA's job is to bring inflation back under control and higher interest rates are their main tool to do it. By making borrowing more expensive, they aim to slow spending and reduce price pressures over time.

๐Ÿ”ฎ ๐™’๐™๐™–๐™ฉ ๐™๐™–๐™ฅ๐™ฅ๐™š๐™ฃ๐™จ ๐™ฃ๐™š๐™ญ๐™ฉ?

The RBA's best-case forecast assumes the Middle East conflict resolves soon and fuel prices ease. If that happens, inflation should peak and then gradually fall. But if the conflict drags on โ€” things could get harder before they get better.

๐Ÿ’ฐ What does this mean for a $๐Ÿ”๐Ÿ“๐ŸŽ,๐ŸŽ๐ŸŽ๐ŸŽ ๐ฆ๐จ๐ซ๐ญ๐ ๐š๐ ๐ž?

A 0.25% rate rise on a $650,000 loan works out to roughly:

Amount
๐Ÿ’ต ๐„๐ฑ๐ญ๐ซ๐š ๐ฉ๐ž๐ซ ๐ฒ๐ž๐š๐ซ
~$๐Ÿ,๐Ÿ”๐Ÿ๐Ÿ“

๐Ÿ“… ๐„๐ฑ๐ญ๐ซ๐š ๐ฉ๐ž๐ซ ๐ฆ๐จ๐ง๐ญ๐ก
~$๐Ÿ๐Ÿ‘๐Ÿ“

๐Ÿ“† ๐„๐ฑ๐ญ๐ซ๐š ๐ฉ๐ž๐ซ ๐ฐ๐ž๐ž๐ค
~$๐Ÿ‘๐Ÿ

Based on a 0.25% increase applied to a $650,000 outstanding balance. Actual repayment increase will vary depending on your loan term, remaining balance, and lender.

And remember, this is the third rise in a row.

If you add up all three hikes combined (0.75% total), that same $650k mortgage is now costing you roughly ~$๐Ÿฐ๐Ÿฌ๐Ÿฑ ๐™ข๐™ค๐™ง๐™š ๐™ฅ๐™š๐™ง ๐™ข๐™ค๐™ฃ๐™ฉ๐™ ๐™ฉ๐™๐™–๐™ฃ ๐™ž๐™ฉ ๐™ฌ๐™–๐™จ ๐™–๐™ฉ ๐™ฉ๐™๐™š ๐™จ๐™ฉ๐™–๐™ง๐™ฉ ๐™ค๐™› ๐™ฉ๐™๐™š ๐™ฎ๐™š๐™–๐™ง.

๐Ÿงญ ๐˜พ๐™ค๐™ฃ๐™›๐™ช๐™จ๐™š๐™™ ๐˜ผ๐™—๐™ค๐™ช๐™ฉ ๐™’๐™๐™š๐™ง๐™š ๐™ฉ๐™ค ๐˜ฝ๐™ช๐™ฎ ๐™”๐™ค๐™ช๐™ง ๐™„๐™ฃ๐™ซ๐™š๐™จ๐™ฉ๐™ข๐™š๐™ฃ๐™ฉ ๐™‹๐™ง๐™ค๐™ฅ๐™š๐™ง๐™ฉ๐™ฎ? ๐™Ž๐™ฉ๐™–๐™ง๐™ฉ ๐™ƒ๐™š๐™ง๐™š๐Ÿšจ Australia doesnโ€™t have a property price problemโ€ฆ it ...
03/05/2026

๐Ÿงญ ๐˜พ๐™ค๐™ฃ๐™›๐™ช๐™จ๐™š๐™™ ๐˜ผ๐™—๐™ค๐™ช๐™ฉ ๐™’๐™๐™š๐™ง๐™š ๐™ฉ๐™ค ๐˜ฝ๐™ช๐™ฎ ๐™”๐™ค๐™ช๐™ง ๐™„๐™ฃ๐™ซ๐™š๐™จ๐™ฉ๐™ข๐™š๐™ฃ๐™ฉ ๐™‹๐™ง๐™ค๐™ฅ๐™š๐™ง๐™ฉ๐™ฎ? ๐™Ž๐™ฉ๐™–๐™ง๐™ฉ ๐™ƒ๐™š๐™ง๐™š

๐Ÿšจ Australia doesnโ€™t have a property price problemโ€ฆ it has a ๐’‰๐’๐’–๐’”๐’Š๐’๐’ˆ ๐’”๐’‰๐’๐’“๐’•๐’‚๐’ˆ๐’† ๐’‘๐’“๐’๐’ƒ๐’๐’†๐’Ž.

-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ

Letโ€™s look at the ๐‘น๐‘ฌ๐‘จ๐‘ณ numbers ๐Ÿ‘‡

๐Ÿ“Š AUSTRALIA ๐‘ฏ๐‘ถ๐‘ผ๐‘บ๐‘ฐ๐‘ต๐‘ฎ ๐‘บ๐‘ผ๐‘ท๐‘ท๐‘ณ๐’€ ๐’—๐’” ๐‘ซ๐‘ฌ๐‘ด๐‘จ๐‘ต๐‘ซ

๐Ÿ”ด ๐‘ป๐‘ถ๐‘ซ๐‘จ๐’€ (2024โ€“2026)
๐Ÿ—๏ธ Supply: ~๐Ÿญ๐Ÿณ๐Ÿณ,๐Ÿฌ๐Ÿฌ๐Ÿฌ homes/year
๐Ÿ‘จโ€๐Ÿ‘ฉโ€๐Ÿ‘งโ€๐Ÿ‘ฆ Demand: ~๐Ÿฎ๐Ÿฎ๐Ÿฏ,๐Ÿฌ๐Ÿฌ๐Ÿฌ homes/year
โŒ ๐—ฆ๐—ต๐—ผ๐—ฟ๐˜๐—ณ๐—ฎ๐—น๐—น: ~๐Ÿฐ๐Ÿฒ,๐Ÿฌ๐Ÿฌ๐Ÿฌ homes ๐—˜๐—ฉ๐—˜๐—ฅ๐—ฌ ๐˜†๐—ฒ๐—ฎ๐—ฟ

๐Ÿ‘‰ ๐‘ฐ๐’ ๐’‹๐’–๐’”๐’• ๐Ÿฑ ๐’š๐’†๐’‚๐’“๐’”:

๐Ÿ˜๏ธ Needed: ๐Ÿญ.๐Ÿฎ ๐—บ๐—ถ๐—น๐—น๐—ถ๐—ผ๐—ป homes
๐Ÿ“ฆ Expected: ~๐Ÿต๐Ÿฏ๐Ÿด,๐Ÿฌ๐Ÿฌ๐Ÿฌ
๐Ÿšซ ๐—š๐—ฎ๐—ฝ: ~๐Ÿฎ๐Ÿฒ๐Ÿฎ,๐Ÿฌ๐Ÿฌ๐Ÿฌ ๐—ต๐—ผ๐—บ๐—ฒ๐˜€

โณ ๐‘น๐’Š๐’ˆ๐’‰๐’• ๐’๐’๐’˜:
Already ๐Ÿณ๐Ÿณ,๐Ÿฑ๐Ÿฌ๐Ÿฌ ๐—ต๐—ผ๐—บ๐—ฒ๐˜€ ๐—ฏ๐—ฒ๐—ต๐—ถ๐—ป๐—ฑ ๐˜๐—ฎ๐—ฟ๐—ด๐—ฒ๐˜ early in the Housing Accord ๐—ท๐˜‚๐˜€๐˜ ๐Ÿญ๐Ÿด ๐—บ๐—ผ๐—ป๐˜๐—ต๐˜€ into the fiveโ€‘year plan.

-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ

๐ŸŸก ๐Ÿญ๐Ÿฌ ๐’€๐‘ฌ๐‘จ๐‘น๐‘บ ๐‘จ๐‘ฎ๐‘ถ (2014โ€“2016)
โš–๏ธ Market was balanced

๐Ÿ“Š Example:
โž• +164,000 surplus (2001โ€“2017)

๐Ÿ‘‰ Translation:
โœ… We were building enough homes
โœ… No real shortage

-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ

๐Ÿ“Š ๐‘พ๐‘ฏ๐‘จ๐‘ปโ€™๐‘บ ๐‘ช๐‘ฏ๐‘จ๐‘ต๐‘ฎ๐‘ฌ๐‘ซ?

๐Ÿ”Ÿ Years ago:
โœ… Supply โ‰ˆ Demand

๐Ÿ“ ๐‘ป๐’๐’…๐’‚๐’š:
โŒ Demand >> Supply
๐Ÿšจ Structural shortage

-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ

๐Ÿ“‰ ๐‘พ๐‘ฏ๐’€ ๐‘ป๐‘ฏ๐‘ฌ ๐‘ฎ๐‘จ๐‘ท ๐‘ฐ๐‘บ ๐‘พ๐‘ฐ๐‘ซ๐‘ฌ๐‘ต๐‘ฐ๐‘ต๐‘ฎ

1๏ธโƒฃ Demand is ๐—ฆ๐—จ๐—ฅ๐—š๐—œ๐—ก๐—š ๐Ÿ“ˆ
๐Ÿ‘ฅ ๐—ฃ๐—ผ๐—ฝ๐˜‚๐—น๐—ฎ๐˜๐—ถ๐—ผ๐—ป growth
โœˆ๏ธ ๐— ๐—ถ๐—ด๐—ฟ๐—ฎ๐˜๐—ถ๐—ผ๐—ป boom
๐Ÿก ๐Ÿญ.๐Ÿฎ ๐—บ๐—ถ๐—น๐—น๐—ถ๐—ผ๐—ป new households expected (Housing Accord)

2๏ธโƒฃ Supply is ๐—ฆ๐—ง๐—ฅ๐—จ๐—š๐—š๐—Ÿ๐—œ๐—ก๐—š ๐Ÿ—๏ธ
๐Ÿ’ธ Construction ๐—ฐ๐—ผ๐˜€๐˜๐˜€ โ†‘
๐Ÿ‘ท ๐—•๐˜‚๐—ถ๐—น๐—ฑ๐—ฒ๐—ฟ capacity โ†“
๐Ÿ“„ Approvals โ‰  completions

๐Ÿ‘‰ ๐—ฅ๐—˜๐—”๐—Ÿ๐—œ๐—ง๐—ฌ:
Homes approved โ‰  homes built

3๏ธโƒฃ System is ๐—•๐—ฅ๐—ข๐—ž๐—˜๐—ก โš ๏ธ
๐Ÿ—๏ธ Need: ~๐Ÿฎ๐Ÿฎ๐Ÿฌ,๐Ÿฌ๐Ÿฌ๐Ÿฌ - ๐Ÿฎ๐Ÿฐ๐Ÿฌ,๐Ÿฌ๐Ÿฌ๐Ÿฌ homes/year
๐Ÿ“‰ Actual: ~๐Ÿญ๐Ÿณ๐Ÿฌ,๐Ÿฌ๐Ÿฌ๐Ÿฌโ€“๐Ÿญ๐Ÿด๐Ÿฌ,๐Ÿฌ๐Ÿฌ๐Ÿฌ

-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ

๐Ÿ‘‰ ๐™๐™๐™–๐™ฉ ๐™จ๐™๐™ค๐™ง๐™ฉ๐™–๐™œ๐™š ๐™˜๐™ค๐™ข๐™ฅ๐™ค๐™ช๐™ฃ๐™™๐™จ ๐™€๐™‘๐™€๐™๐™” ๐™ฎ๐™š๐™–๐™ง

-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ

๐Ÿšจ ๐‘ป๐‘ฏ๐‘ฌ ๐‘ฒ๐‘ฌ๐’€ ๐‘ด๐‘ฌ๐‘บ๐‘บ๐‘จ๐‘ฎ๐‘ฌ
๐Ÿ‘‰ 10 years ago โ€” we had enough homes.
๐Ÿ‘‰ Today โ€” weโ€™re short ~40,000โ€“50,000 homes EVERY year.
๐Ÿ‘‰ ๐—ก๐—ฒ๐˜…๐˜ ๐Ÿฑ ๐˜†๐—ฒ๐—ฎ๐—ฟ๐˜€ โ€” heading toward a ๐Ÿฎ๐Ÿฑ๐Ÿฌ,๐Ÿฌ๐Ÿฌ๐Ÿฌ+ ๐—ต๐—ผ๐—บ๐—ฒ ๐—ฆ๐—›๐—ข๐—ฅ๐—ง๐—”๐—š๐—˜.

-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ

๐Ÿ’ก ๐‘ฐ๐‘ต๐‘ฝ๐‘ฌ๐‘บ๐‘ป๐‘ถ๐‘น ๐‘ฐ๐‘ต๐‘บ๐‘ฐ๐‘ฎ๐‘ฏ๐‘ป

This is ๐—ก๐—ข๐—ง ๐˜€๐—ต๐—ผ๐—ฟ๐˜-๐˜๐—ฒ๐—ฟ๐—บ โŒ
This is ๐—ฆ๐—ง๐—ฅ๐—จ๐—–๐—ง๐—จ๐—ฅ๐—”๐—Ÿ ๐Ÿ”

-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ

๐™Ž๐™๐™๐˜ผ๐™๐™€๐™‚๐™„๐˜พ ๐™„๐™‰๐™‘๐™€๐™Ž๐™๐™Š๐™๐™Ž ๐™„๐˜ฟ๐™€๐™‰๐™๐™„๐™๐™” ๐™๐™ƒ๐™„๐™Ž ๐˜ผ๐™Ž ๐˜ผ ๐™ƒ๐™„๐™‚๐™ƒ-๐™‚๐™๐™Š๐™’๐™๐™ƒ ๐™Š๐™‹๐™‹๐™Š๐™๐™๐™๐™‰๐™„๐™๐™”.
๐Ÿ“ˆ ๐—ฃ๐—ฟ๐—ถ๐—ฐ๐—ฒ๐˜€ โ†‘ (๐—น๐—ผ๐—ป๐—ด ๐˜๐—ฒ๐—ฟ๐—บ)
๐Ÿ’ฐ ๐—ฅ๐—ฒ๐—ป๐˜๐˜€ โ†‘ (๐—ฎ๐—น๐—ฟ๐—ฒ๐—ฎ๐—ฑ๐˜† ๐—ต๐—ฎ๐—ฝ๐—ฝ๐—ฒ๐—ป๐—ถ๐—ป๐—ด)
๐Ÿš๏ธ ๐—ฉ๐—ฎ๐—ฐ๐—ฎ๐—ป๐—ฐ๐˜† โ†“

๐Ÿ‘‰ Supply is ๐—ก๐—ข๐—ง catching up anytime soon

-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ

๐Ÿ”ฅ ๐‘พ๐’‰๐’‚๐’• ๐’”๐’Ž๐’‚๐’“๐’• ๐’ƒ๐’–๐’š๐’†๐’“๐’” ๐’‚๐’“๐’† ๐’…๐’๐’Š๐’๐’ˆ ๐‘น๐‘ฐ๐‘ฎ๐‘ฏ๐‘ป ๐‘ต๐‘ถ๐‘พ

โŒ ๐™‰๐™ค๐™ฉ ๐™œ๐™ช๐™š๐™จ๐™จ๐™ž๐™ฃ๐™œ the market
โœ… Targeting suburbs at the ๐˜ฝ๐™Š๐™๐™๐™Š๐™ˆ ๐™Š๐™ ๐™๐™ƒ๐™€ ๐˜พ๐™”๐˜พ๐™‡๐™€
๐Ÿš€ Positioning ๐˜ฝ๐™€๐™๐™Š๐™๐™€ the next growth phase

-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ

๐Ÿ“ฉ ๐‘ต๐’†๐’†๐’… ๐’‰๐’†๐’๐’‘ ๐’ƒ๐’–๐’š๐’Š๐’๐’ˆ ๐’•๐’‰๐’† ๐’“๐’Š๐’ˆ๐’‰๐’• ๐’‘๐’“๐’๐’‘๐’†๐’“๐’•๐’š?

๐Ÿ“ Find the right suburb
๐Ÿ“Š Buy with strategy
๐Ÿงญ Navigate the process with confidence

๐Ÿ‘‰ Unlock Wealth Property
๐Ÿ“ž 0432 297 200

๐Ÿ’ฌ We help you ๐™—๐™ช๐™ฎ ๐™ฌ๐™ž๐™ฉ๐™ ๐™จ๐™ฉ๐™ง๐™–๐™ฉ๐™š๐™œ๐™ฎ โ€” ๐™ฃ๐™ค๐™ฉ ๐™š๐™ข๐™ค๐™ฉ๐™ž๐™ค๐™ฃ.

-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ-ฬฒ

๐Ÿšจ ๐‘พ๐’๐’“๐’“๐’Š๐’†๐’… ๐’‚๐’ƒ๐’๐’–๐’• ๐’•๐’‰๐’† ๐’‘๐’“๐’๐’‘๐’๐’”๐’†๐’… ๐‘ช๐‘ฎ๐‘ป ๐’„๐’‰๐’‚๐’๐’ˆ๐’†๐’” and thinking of delaying your investment?Weโ€™ve had MANY buyers asking:โ“What if ...
25/04/2026

๐Ÿšจ ๐‘พ๐’๐’“๐’“๐’Š๐’†๐’… ๐’‚๐’ƒ๐’๐’–๐’• ๐’•๐’‰๐’† ๐’‘๐’“๐’๐’‘๐’๐’”๐’†๐’… ๐‘ช๐‘ฎ๐‘ป ๐’„๐’‰๐’‚๐’๐’ˆ๐’†๐’” and thinking of delaying your investment?

Weโ€™ve had MANY buyers asking:

โ“What if the ๐Ÿฑ๐Ÿฌ% ๐—–๐—š๐—ง ๐—ฑ๐—ถ๐˜€๐—ฐ๐—ผ๐˜‚๐—ป๐˜ ๐—ถ๐˜€ ๐—ฟ๐—ฒ๐—ฑ๐˜‚๐—ฐ๐—ฒ๐—ฑ?
โ“What if it drops to ๐Ÿฏ๐Ÿฏ%?
โ“What if the discount is abolished?
โ“Will owning multiple properties mean I pay more tax?
โ“What is โ€œ๐™œ๐™ง๐™–๐™ฃ๐™™๐™›๐™–๐™ฉ๐™๐™š๐™ง๐™ž๐™ฃ๐™œโ€ and could it protect existing investors?

Firstโ€ฆ

โš ๏ธ ๐‘ฐ๐‘ด๐‘ท๐‘ถ๐‘น๐‘ป๐‘จ๐‘ต๐‘ป:
๐‘ต๐’๐’•๐’‰๐’Š๐’๐’ˆ ๐’‰๐’‚๐’” ๐’ƒ๐’†๐’†๐’ ๐’„๐’๐’๐’‡๐’Š๐’“๐’Ž๐’†๐’… ๐’๐’“ ๐’๐’†๐’ˆ๐’Š๐’”๐’๐’‚๐’•๐’†๐’….

These are ๐—ฝ๐—ฟ๐—ผ๐—ฝ๐—ผ๐˜€๐—ฎ๐—น๐˜€ ๐—ฏ๐—ฒ๐—ถ๐—ป๐—ด ๐—ฑ๐—ถ๐˜€๐—ฐ๐˜‚๐˜€๐˜€๐—ฒ๐—ฑ โ€” ๐—ป๐—ผ๐˜ ๐—น๐—ฎ๐˜„.

Letโ€™s break it down simply ๐Ÿ‘‡

๐Ÿก ๐™ƒ๐™Š๐™’ ๐˜พ๐™‚๐™ ๐™’๐™Š๐™๐™†๐™Ž ๐™‰๐™Š๐™’

If you hold an investment property ๐—น๐—ผ๐—ป๐—ด๐—ฒ๐—ฟ ๐˜๐—ต๐—ฎ๐—ป ๐Ÿญ๐Ÿฎ ๐—บ๐—ผ๐—ป๐˜๐—ต๐˜€:

โœ… You currently receive a ๐Ÿฑ๐Ÿฌ% ๐—–๐—š๐—ง ๐—ฑ๐—ถ๐˜€๐—ฐ๐—ผ๐˜‚๐—ป๐˜

That means only HALF your capital gain is taxable.

๐Ÿ’ก ๐™€๐™ญ๐™–๐™ข๐™ฅ๐™ก๐™š:

You make a $๐Ÿฎ๐Ÿฌ๐Ÿฌ,๐Ÿฌ๐Ÿฌ๐Ÿฌ ๐—ฐ๐—ฎ๐—ฝ๐—ถ๐˜๐—ฎ๐—น ๐—ด๐—ฎ๐—ถ๐—ป when selling.

Current rules:

โ€ข Gain = $๐Ÿฎ๐Ÿฌ๐Ÿฌ,๐Ÿฌ๐Ÿฌ๐Ÿฌ
โ€ข 50% discount = $๐Ÿญ๐Ÿฌ๐Ÿฌ,๐Ÿฌ๐Ÿฌ๐Ÿฌ ๐˜๐—ฎ๐˜…๐—ฎ๐—ฏ๐—น๐—ฒ

๐Ÿ“Œ That $100K is added to your income and taxed at your marginal tax rate.
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๐Ÿ“‰ ๐™’๐™ƒ๐˜ผ๐™ ๐™„๐™ ๐™๐™ƒ๐™€ ๐˜ฟ๐™„๐™Ž๐˜พ๐™Š๐™๐™‰๐™ ๐˜ฟ๐™๐™Š๐™‹๐™Ž ๐™๐™Š ๐Ÿฏ๐Ÿฏ%?

Example:

Capital gain = $๐Ÿฎ๐Ÿฌ๐Ÿฌ,๐Ÿฌ๐Ÿฌ๐Ÿฌ

๐—–๐˜‚๐—ฟ๐—ฟ๐—ฒ๐—ป๐˜ ๐Ÿฑ๐Ÿฌ% ๐—ฑ๐—ถ๐˜€๐—ฐ๐—ผ๐˜‚๐—ป๐˜
Taxable gain = $๐Ÿญ๐Ÿฌ๐Ÿฌ,๐Ÿฌ๐Ÿฌ๐Ÿฌ

๐—œ๐—ณ ๐—ฟ๐—ฒ๐—ฑ๐˜‚๐—ฐ๐—ฒ๐—ฑ ๐˜๐—ผ ๐Ÿฏ๐Ÿฏ%
Taxable gain = $๐Ÿญ๐Ÿฏ๐Ÿฐ,๐Ÿฌ๐Ÿฌ๐Ÿฌ

๐ƒ๐ข๐Ÿ๐Ÿ๐ž๐ซ๐ž๐ง๐œ๐ž:

โš ๏ธ $๐Ÿ‘๐Ÿ’,๐ŸŽ๐ŸŽ๐ŸŽ ๐ž๐ฑ๐ญ๐ซ๐š ๐›๐ž๐œ๐จ๐ฆ๐ž๐ฌ ๐ญ๐š๐ฑ๐š๐›๐ฅ๐ž ๐ข๐ง๐œ๐จ๐ฆ๐ž

Important:

๐Ÿšซ That does ๐๐Ž๐“ mean $34K extra tax.

It means an ๐ž๐ฑ๐ญ๐ซ๐š $๐Ÿ‘๐Ÿ’๐Š ๐ข๐ฌ ๐ฌ๐ฎ๐›๐ฃ๐ž๐œ๐ญ ๐ญ๐จ ๐ญ๐š๐ฑ at your tax rate.

Big difference.
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โ“๐‘พ๐‘ฏ๐‘จ๐‘ป ๐‘ฐ๐‘ญ ๐‘ช๐‘ฎ๐‘ป ๐‘ซ๐‘ฐ๐‘บ๐‘ช๐‘ถ๐‘ผ๐‘ต๐‘ป ๐‘พ๐‘จ๐‘บ ๐‘จ๐‘ฉ๐‘ถ๐‘ณ๐‘ฐ๐‘บ๐‘ฏ๐‘ฌ๐‘ซ?

(Hypothetical example only)

If there were ๐๐Ž ๐๐ข๐ฌ๐œ๐จ๐ฎ๐ง๐ญ:

$200,000 gain
Taxable gain = full $๐Ÿ๐ŸŽ๐ŸŽ,๐ŸŽ๐ŸŽ๐ŸŽ

Compared with today:

โš ๏ธ ๐“๐ก๐š๐ญโ€™๐ฌ $๐Ÿ๐ŸŽ๐ŸŽ,๐ŸŽ๐ŸŽ๐ŸŽ ๐ฆ๐จ๐ซ๐ž ๐ญ๐š๐ฑ๐š๐›๐ฅ๐ž ๐ข๐ง๐œ๐จ๐ฆ๐ž
.........................................................................................................................

๐Ÿง  ๐‘พ๐‘ฏ๐‘จ๐‘ป ๐‘ฐ๐‘บ โ€œ๐‘ฎ๐‘น๐‘จ๐‘ต๐‘ซ๐‘ญ๐‘จ๐‘ป๐‘ฏ๐‘ฌ๐‘น๐‘ฐ๐‘ต๐‘ฎโ€? (๐‘ฝ๐’†๐’“๐’š ๐‘ฐ๐’Ž๐’‘๐’๐’“๐’•๐’‚๐’๐’•)

This is something many people donโ€™t understand.

Grandfathering usually means:

๐Ÿ‘‰ ๐„๐ฑ๐ข๐ฌ๐ญ๐ข๐ง๐  ๐ข๐ง๐ฏ๐ž๐ฌ๐ญ๐ฆ๐ž๐ง๐ญ๐ฌ may keep the ๐จ๐ฅ๐ ๐ซ๐ฎ๐ฅ๐ž๐ฌ

๐Ÿ‘‰ ๐๐ž๐ฐ ๐ข๐ง๐ฏ๐ž๐ฌ๐ญ๐ฆ๐ž๐ง๐ญ๐ฌ after a cut-off date may fall under ๐ง๐ž๐ฐ ๐ซ๐ฎ๐ฅ๐ž๐ฌ

๐’๐ข๐ฆ๐ฉ๐ฅ๐ž ๐ž๐ฑ๐š๐ฆ๐ฉ๐ฅ๐ž:

You buy an investment property ๐›๐ž๐Ÿ๐จ๐ซ๐ž any rule change.

If grandfathering applies:

โœ… You may keep todayโ€™s ๐Ÿ“๐ŸŽ% ๐‚๐†๐“ ๐๐ข๐ฌ๐œ๐จ๐ฎ๐ง๐ญ

Someone buying ๐š๐Ÿ๐ญ๐ž๐ซ the change may get:

โš ๏ธ Lower discount (for example ๐Ÿฏ๐Ÿฏ%)

Same market.
Same asset class.
Different tax treatment.

Based on ๐ฉ๐ฎ๐ซ๐œ๐ก๐š๐ฌ๐ž ๐ญ๐ข๐ฆ๐ข๐ง๐ .

Thatโ€™s grandfathering.

And thatโ€™s why many investors are paying attention ๐Ÿ‘€
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๐Ÿ˜ โ€œ๐‘ฐ ๐‘ฏ๐‘จ๐‘ฝ๐‘ฌ ๐‘ด๐‘ผ๐‘ณ๐‘ป๐‘ฐ๐‘ท๐‘ณ๐‘ฌ ๐‘ท๐‘น๐‘ถ๐‘ท๐‘ฌ๐‘น๐‘ป๐‘ฐ๐‘ฌ๐‘บโ€ฆ ๐‘ซ๐‘ถ ๐‘ฐ ๐‘ท๐‘จ๐’€ ๐‘ด๐‘ถ๐‘น๐‘ฌ ๐‘ช๐‘ฎ๐‘ป?โ€

Simple answer:

โŒ ๐๐จ๐ญ ๐›๐ž๐œ๐š๐ฎ๐ฌ๐ž ๐ฒ๐จ๐ฎ ๐จ๐ฐ๐ง ๐ฆ๐จ๐ซ๐ž ๐ฉ๐ซ๐จ๐ฉ๐ž๐ซ๐ญ๐ข๐ž๐ฌ.

CGT is calculated ๐ฉ๐ž๐ซ ๐ฉ๐ซ๐จ๐ฉ๐ž๐ซ๐ญ๐ฒ ๐ฐ๐ก๐ž๐ง ๐ฌ๐จ๐ฅ๐.

Example:

๐Ÿ  Property A (bought ๐›๐ž๐Ÿ๐จ๐ซ๐ž changes)
๐Ÿ  Property B (bought ๐›๐ž๐Ÿ๐จ๐ซ๐ž changes)
๐Ÿ  Property C (bought ๐š๐Ÿ๐ญ๐ž๐ซ changes)

Possible scenario if grandfathering applies:

โœ… Property A & B
May keep ๐Ÿ“๐ŸŽ% ๐๐ข๐ฌ๐œ๐จ๐ฎ๐ง๐ญ

โš ๏ธ Property C
May fall under ๐ง๐ž๐ฐ ๐ซ๐ฎ๐ฅ๐ž๐ฌ

Same investor.
Same portfolio.

Different outcomes depending on ๐–๐‡๐„๐ you bought.
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๐Ÿ’ก ๐‘พ๐‘ฏ๐’€ ๐‘ป๐‘ฏ๐‘ฐ๐‘บ ๐‘ด๐‘จ๐‘ป๐‘ป๐‘ฌ๐‘น๐‘บ

Some people hear โ€œpossible CGT changesโ€ and think:

๐Ÿ˜Ÿ โ€œI should wait.โ€

But some investors are asking a different question:

๐Ÿค” If grandfathering appliesโ€ฆ
Could buying before changes potentially protect todayโ€™s tax settings?

Thatโ€™s a ๐ฌ๐ญ๐ซ๐š๐ญ๐ž๐ ๐ฒ ๐ช๐ฎ๐ž๐ฌ๐ญ๐ข๐จ๐ง.
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๐Ÿ“Œ๐‘ฒ๐‘ฌ๐’€ ๐‘ป๐‘จ๐‘ฒ๐‘ฌ๐‘จ๐‘พ๐‘จ๐’€

Itโ€™s not about:

โŒ โ€œHow many properties do I own?โ€

Itโ€™s about:

โœ”๏ธ ๐–๐ก๐ž๐ง you buy
โœ”๏ธ What rules apply
โœ”๏ธ Whether grandfathering protects existing holdings
โœ”๏ธ How you structure your next purchase

๐Ÿ‘‰ ๐“๐ก๐š๐ญโ€™๐ฌ ๐ฐ๐ก๐ฒ ๐ฌ๐ญ๐ซ๐š๐ญ๐ž๐ ๐ฒ ๐ฆ๐š๐ญ๐ญ๐ž๐ซ๐ฌ.
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โš ๏ธ ๐ˆ๐ฆ๐ฉ๐จ๐ซ๐ญ๐š๐ง๐ญ ๐๐ข๐ฌ๐œ๐ฅ๐š๐ข๐ฆ๐ž๐ซ

๐†๐ซ๐š๐ง๐๐Ÿ๐š๐ญ๐ก๐ž๐ซ๐ข๐ง๐  ๐ข๐ฌ ๐ฐ๐ข๐๐ž๐ฅ๐ฒ ๐๐ข๐ฌ๐œ๐ฎ๐ฌ๐ฌ๐ž๐ ๐š๐ฌ ๐š ๐ฅ๐ข๐ค๐ž๐ฅ๐ฒ ๐š๐ฉ๐ฉ๐ซ๐จ๐š๐œ๐ก, ๐›๐ฎ๐ญ ๐ง๐จ ๐Ÿ๐ข๐ง๐š๐ฅ ๐ฉ๐จ๐ฅ๐ข๐œ๐ฒ ๐ก๐š๐ฌ ๐›๐ž๐ž๐ง ๐š๐ง๐ง๐จ๐ฎ๐ง๐œ๐ž๐.

Weโ€™ll have to see what any legislation actually says.
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๐Ÿก Great investing isnโ€™t about reacting to headlines.

Itโ€™s about making informed decisions with the right strategy.

If youโ€™re unsure how these proposals may affect your plans,

๐Ÿ“ฉ DM us โ€œ๐๐‘๐Ž๐๐„๐‘๐“๐˜โ€ or Contact us on 0432 297 200 and weโ€™ll help you think it through.

Happy Sri Lankan New Year 2026!เทƒเท”เถท เถ…เถฝเท”เถญเทŠ เถ…เท€เท”เถปเท”เถฏเทŠเถฏเถšเทŠ เท€เทšเท€เท! ๐ŸŒž๐ŸŽ‰ เฎ‡เฎฉเฎฟเฎฏ เฎชเฏเฎคเฏเฎคเฎพเฎฃเฏเฎŸเฏ เฎจเฎฒเฏเฎตเฎพเฎดเฏเฎคเฏเฎคเฏเฎ•เฏเฎ•เฎณเฏ! ๐ŸŒบโœจAs we celebrate the Sin...
14/04/2026

Happy Sri Lankan New Year 2026!
เทƒเท”เถท เถ…เถฝเท”เถญเทŠ เถ…เท€เท”เถปเท”เถฏเทŠเถฏเถšเทŠ เท€เทšเท€เท! ๐ŸŒž๐ŸŽ‰
เฎ‡เฎฉเฎฟเฎฏ เฎชเฏเฎคเฏเฎคเฎพเฎฃเฏเฎŸเฏ เฎจเฎฒเฏเฎตเฎพเฎดเฏเฎคเฏเฎคเฏเฎ•เฏเฎ•เฎณเฏ! ๐ŸŒบโœจ

As we celebrate the Sinhala & Tamil New Year ๐Ÿ‡ฑ๐Ÿ‡ฐ๐Ÿ‡ฆ๐Ÿ‡บ, may this special time bring you and your family peace ๐Ÿ•Š๏ธ, happiness ๐Ÿ˜Š, and prosperity ๐Ÿ’ฐ๐Ÿ“ˆ.

May new beginnings ๐ŸŒฑ open doors ๐Ÿšช to greater opportunities, stronger connections ๐Ÿค, and continued success ๐Ÿ† in every aspect of your life.

We wish you a joyful and prosperous New Year filled with growth ๐Ÿ“Š, abundance ๐ŸŒพ, and new achievements ๐Ÿš€.

โœจ Hereโ€™s to building a brighter future together! โœจ

- From Unlock Wealth Property ๐Ÿก -

๐Ÿšจ ๐—ง๐—ต๐—ฒ ๐—ฏ๐—ถ๐—ด๐—ด๐—ฒ๐˜€๐˜ ๐—ฟ๐—ถ๐˜€๐—ธ ๐—ฟ๐—ถ๐—ด๐—ต๐˜ ๐—ป๐—ผ๐˜„ ๐—ถ๐˜€๐—ปโ€™๐˜ ๐—ฏ๐˜‚๐˜†๐—ถ๐—ป๐—ด โ€” ๐—ถ๐˜โ€™๐˜€ ๐˜„๐—ฎ๐—ถ๐˜๐—ถ๐—ป๐—ด.Let me break it down ๐Ÿ‘‡๐Ÿ‘‰ 1. ๐Œ๐จ๐ซ๐ž ๐ฉ๐ž๐จ๐ฉ๐ฅ๐ž = ๐ฆ๐จ๐ซ๐ž ๐๐ž๐ฆ๐š๐ง๐Immigration...
03/04/2026

๐Ÿšจ ๐—ง๐—ต๐—ฒ ๐—ฏ๐—ถ๐—ด๐—ด๐—ฒ๐˜€๐˜ ๐—ฟ๐—ถ๐˜€๐—ธ ๐—ฟ๐—ถ๐—ด๐—ต๐˜ ๐—ป๐—ผ๐˜„ ๐—ถ๐˜€๐—ปโ€™๐˜ ๐—ฏ๐˜‚๐˜†๐—ถ๐—ป๐—ด โ€” ๐—ถ๐˜โ€™๐˜€ ๐˜„๐—ฎ๐—ถ๐˜๐—ถ๐—ป๐—ด.

Let me break it down ๐Ÿ‘‡

๐Ÿ‘‰ 1. ๐Œ๐จ๐ซ๐ž ๐ฉ๐ž๐จ๐ฉ๐ฅ๐ž = ๐ฆ๐จ๐ซ๐ž ๐๐ž๐ฆ๐š๐ง๐

Immigration -
๐Ÿ‘‰ Over 560,000 people moved to Australia in 2024 - 2025

That means:
๐Ÿ  More renters now
๐Ÿก More buyers very soon

โžก๏ธ More people competing for the SAME homes.

๐Ÿ‘‰ 2. ๐๐ฎ๐ฒ๐ข๐ง๐  ๐ฃ๐ฎ๐ฌ๐ญ ๐ ๐จ๐ญ ๐ž๐š๐ฌ๐ข๐ž๐ซ (for more home buyers)
From October:
โœ”๏ธ Only 5% deposit needed
โœ”๏ธ No income limits
โœ”๏ธ Homes up to $1M included (Vic & NSW)
โœ”๏ธ No LMI for home buyers (saves you thousands)

Sounds great, right?

But ๐™๐™š๐™ง๐™šโ€™๐™จ ๐™ฌ๐™๐™–๐™ฉ ๐™ข๐™ค๐™จ๐™ฉ ๐™ฅ๐™š๐™ค๐™ฅ๐™ก๐™š ๐™ข๐™ž๐™จ๐™จโ€ฆ

โ— This doesnโ€™t create new houses ๐Ÿ˜๏ธ

It just brings MORE buyers into the market.

๐Ÿ’ฅ ๐‘บ๐’ ๐’˜๐’‰๐’‚๐’• ๐’…๐’๐’†๐’” ๐’•๐’‰๐’Š๐’” ๐’‚๐’„๐’•๐’–๐’‚๐’๐’๐’š ๐’Ž๐’†๐’‚๐’?
๐Ÿ‘‰ More buyers
๐Ÿ‘‰ Not enough homes
๐Ÿ‘‰ Prices get pushed up
๐Ÿ‘‰ Rents stay high

โš ๏ธ Hereโ€™s the reality:
If youโ€™re โ€œwaiting for the market to calm downโ€โ€ฆ
You might be waiting while prices keep moving ahead of you.

๐Ÿ’ก ๐™Ž๐™ข๐™–๐™ง๐™ฉ ๐™—๐™ช๐™ฎ๐™š๐™ง๐™จ ๐™™๐™ค๐™ฃโ€™๐™ฉ ๐™ฌ๐™–๐™ž๐™ฉ โ€” ๐™ฉ๐™๐™š๐™ฎ ๐™ฅ๐™ค๐™จ๐™ž๐™ฉ๐™ž๐™ค๐™ฃ ๐™š๐™–๐™ง๐™ก๐™ฎ.

๐Ÿ’ก This is exactly why our clients donโ€™t wait blindly โ€”

They ๐™—๐™ช๐™ฎ ๐™ฌ๐™ž๐™ฉ๐™ ๐™– ๐™˜๐™ก๐™š๐™–๐™ง ๐™จ๐™ฉ๐™ง๐™–๐™ฉ๐™š๐™œ๐™ฎ, ๐™™๐™–๐™ฉ๐™–, ๐™–๐™ฃ๐™™ ๐™ฉ๐™ž๐™ข๐™ž๐™ฃ๐™œ on their side.

โœ”๏ธ ๐‘พ๐’† ๐’‰๐’†๐’๐’‘ ๐’•๐’‰๐’†๐’Ž ๐’‚๐’—๐’๐’Š๐’… ๐’๐’—๐’†๐’“๐’‘๐’‚๐’š๐’Š๐’๐’ˆ
โœ”๏ธ ๐‘ฐ๐’…๐’†๐’๐’•๐’Š๐’‡๐’š ๐’‰๐’Š๐’ˆ๐’‰-๐’ˆ๐’“๐’๐’˜๐’•๐’‰ ๐’๐’๐’„๐’‚๐’•๐’Š๐’๐’๐’” ๐’†๐’‚๐’“๐’๐’š
โœ”๏ธ ๐‘บ๐’†๐’„๐’–๐’“๐’† ๐’•๐’‰๐’† ๐’“๐’Š๐’ˆ๐’‰๐’• ๐’‚๐’”๐’”๐’†๐’• โ€” ๐’๐’๐’• ๐’‹๐’–๐’”๐’• ๐’‚๐’๐’š ๐’‘๐’“๐’๐’‘๐’†๐’“๐’•๐’š

๐Ÿ“ฉ ๐ˆ๐Ÿ ๐ฒ๐จ๐ฎ ๐ฐ๐š๐ง๐ญ ๐ญ๐จ ๐ ๐ž๐ญ ๐š๐ก๐ž๐š๐ ๐จ๐Ÿ ๐ญ๐ก๐ข๐ฌ ๐ฌ๐ก๐ข๐Ÿ๐ญ (๐ง๐จ๐ญ ๐œ๐ก๐š๐ฌ๐ž ๐ข๐ญ ๐ฅ๐š๐ญ๐ž๐ซ)

๐ˆ๐Ÿ ๐ฒ๐จ๐ฎ ๐ฐ๐š๐ง๐ญ ๐ญ๐จ ๐›๐ฎ๐ฒ ๐ฌ๐ญ๐ซ๐š๐ญ๐ž๐ ๐ข๐œ๐š๐ฅ๐ฅ๐ฒ โ€” ๐ง๐จ๐ญ ๐ž๐ฆ๐จ๐ญ๐ข๐จ๐ง๐š๐ฅ๐ฅ๐ฒ

Send us a DM with โ€œ๐๐‹๐€๐โ€

or

โ˜Ž๏ธCall us on 0432 297 200 , we may be able to help you!!

We'll show you how we position our clients ahead of the market.โ€

Disclaimer: This is general information only and not financial, legal, or tax advice.

๐Ÿ˜Ÿ ๐™๐™š๐™š๐™ก๐™ž๐™ฃ๐™œ ๐™ช๐™ฃ๐™จ๐™ช๐™ง๐™š ๐™–๐™—๐™ค๐™ช๐™ฉ ๐™ฅ๐™ง๐™ค๐™ฅ๐™š๐™ง๐™ฉ๐™ฎ ๐™–๐™›๐™ฉ๐™š๐™ง ๐™ฉ๐™๐™š ๐™๐™š๐™—๐™ง๐™ช๐™–๐™ง๐™ฎ ๐™๐˜ฝ๐˜ผ ๐™ง๐™–๐™ฉ๐™š ๐™ง๐™ž๐™จ๐™š? ๐Ÿ“ˆYouโ€™re not alone ๐ŸคA lot of people are saying:๐Ÿ’ฌ โ€œMaybe...
08/02/2026

๐Ÿ˜Ÿ ๐™๐™š๐™š๐™ก๐™ž๐™ฃ๐™œ ๐™ช๐™ฃ๐™จ๐™ช๐™ง๐™š ๐™–๐™—๐™ค๐™ช๐™ฉ ๐™ฅ๐™ง๐™ค๐™ฅ๐™š๐™ง๐™ฉ๐™ฎ ๐™–๐™›๐™ฉ๐™š๐™ง ๐™ฉ๐™๐™š ๐™๐™š๐™—๐™ง๐™ช๐™–๐™ง๐™ฎ ๐™๐˜ฝ๐˜ผ ๐™ง๐™–๐™ฉ๐™š ๐™ง๐™ž๐™จ๐™š? ๐Ÿ“ˆ

Youโ€™re not alone ๐Ÿค

A lot of people are saying:
๐Ÿ’ฌ โ€œMaybe I should just wait until things settle.โ€

That fear is understandable ๐Ÿ˜ฌ

But hereโ€™s the reality ๐Ÿ‘‡

โณ ๐˜พ๐™š๐™ง๐™ฉ๐™–๐™ž๐™ฃ๐™ฉ๐™ฎ ๐™–๐™ก๐™ฌ๐™–๐™ฎ๐™จ ๐™˜๐™ค๐™ข๐™š๐™จ ๐™–๐™›๐™ฉ๐™š๐™ง ๐™ฉ๐™๐™š ๐™ค๐™ฅ๐™ฅ๐™ค๐™ง๐™ฉ๐™ช๐™ฃ๐™ž๐™ฉ๐™ฎ

๐Ÿšซ ๐™๐™–๐™ฉ๐™š ๐™ง๐™ž๐™จ๐™š๐™จ ๐™™๐™ค๐™ฃโ€™๐™ฉ ๐™ ๐™ž๐™ก๐™ก ๐™ฅ๐™ง๐™ค๐™ฅ๐™š๐™ง๐™ฉ๐™ฎ ๐™ข๐™–๐™ง๐™ ๐™š๐™ฉ๐™จ.

They:
โœ… reduce competition

๐Ÿšซ filter out emotional buyers

๐Ÿ“‰ create better buying conditions

โ€”for those who are prepared ๐ŸŽฏ

๐Ÿง  ๐™Ž๐™ข๐™–๐™ง๐™ฉ ๐™ž๐™ฃ๐™ซ๐™š๐™จ๐™ฉ๐™ค๐™ง๐™จ ๐™–๐™ง๐™š๐™ฃโ€™๐™ฉ ๐™›๐™ค๐™˜๐™ช๐™จ๐™š๐™™ ๐™ค๐™ฃ ๐™ฉ๐™๐™š ๐™ฃ๐™š๐™ญ๐™ฉ 3โ€“6 ๐™ข๐™ค๐™ฃ๐™ฉ๐™๐™จ.

Theyโ€™re looking at the next ๐Ÿฑโ€“๐Ÿญ๐Ÿฑ ๐˜†๐—ฒ๐—ฎ๐—ฟ๐˜€. โฐ

๐Ÿ“Š ๐‘จ๐’๐’… ๐’•๐’‰๐’† ๐’‡๐’–๐’๐’…๐’‚๐’Ž๐’†๐’๐’•๐’‚๐’๐’” ๐’”๐’•๐’Š๐’๐’ ๐’”๐’•๐’‚๐’„๐’Œ ๐’–๐’‘:

๐Ÿ˜๏ธ Severe housing shortage
๐Ÿ‘ฅ Strong population growth
๐Ÿ  Record-low rental vacancies
๐Ÿงฑ Rising construction costs
โš–๏ธ Demand still stronger than supply

โš ๏ธ The real risk isnโ€™t interest rates.

Itโ€™s buying the โŒ ๐’˜๐’“๐’๐’๐’ˆ ๐’‘๐’“๐’๐’‘๐’†๐’“๐’•๐’š,
๐Ÿ“ in the ๐’˜๐’“๐’๐’๐’ˆ ๐’๐’๐’„๐’‚๐’•๐’Š๐’๐’,
๐Ÿค” for the ๐’˜๐’“๐’๐’๐’ˆ ๐’“๐’†๐’‚๐’”๐’๐’๐’”.

Thatโ€™s where ๐—จ๐—ป๐—น๐—ผ๐—ฐ๐—ธ ๐—ช๐—ฒ๐—ฎ๐—น๐˜๐—ต ๐—ฃ๐—ฟ๐—ผ๐—ฝ๐—ฒ๐—ฟ๐˜๐˜† comes in ๐Ÿ”“

As your Buyerโ€™s Advocate,
we ๐ ๐ฎ๐ข๐๐ž ๐ฒ๐จ๐ฎ ๐ญ๐ก๐ซ๐จ๐ฎ๐ ๐ก ๐ฎ๐ง๐œ๐ž๐ซ๐ญ๐š๐ข๐ง ๐ฆ๐š๐ซ๐ค๐ž๐ญ๐ฌ with:
๐Ÿ“ˆ ๐‘ท๐’“๐’๐’‘๐’†๐’“๐’•๐’š ๐‘บ๐ญ๐ซ๐š๐ญ๐ž๐ ๐ฒ
๐Ÿ“Š ๐‘ซ๐š๐ญ๐š
๐Ÿ” ๐‘ช๐ฅ๐š๐ซ๐ข๐ญ๐ฒ

โ€” so you ๐’…๐’๐’โ€™๐’• ๐ŸŽฒ ๐’ˆ๐’‚๐’Ž๐’ƒ๐’๐’† with your future.

๐Ÿ“ž 0432 297 200

๐Ÿ“ง [email protected]

๐ŸŒ www.unlockwealthproperty.com.au

โ„น๏ธ General information only. Not financial, legal, or tax advice.

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