Get a clear roadmap to build wealth, pay off your home fast, and save thousands in tax, Book your discovery call → https://accwealth.com.au/booking/

In this episode, Dory and Ben break down the major shifts hitting property investors, from changes to capital gains tax to the new treatment of negative gearing. They explore why holding costs now sit at the centre of every investment decision and how these policy moves are reshaping what everyday investors can actually afford.

You'll hear:

◼️ Why holding costs now outweigh capital gains

◼️ How CGT changes shift investor decisions

◼️ Why new property is becoming the only affordable long‑term option

Timestamps:

00:00:00 - Introduction

00:00:15 - Importance of Holding Property

00:00:24 - Government Changes to Negative Gearing and Capital Gains Tax

00:00:47 - Historical Capital Gains Tax Concession

00:01:09 - Indexation Model for Capital Gains Tax

00:01:19 - Negative Gearing Overview

00:02:05 - Deducting Expenses Over Rental Income

00:02:36 - Changes in Negative Gearing Benefits

00:03:04 - Real-Life Example of Property Costs

00:03:24 - Out-of-Pocket Expenses for Investors

00:03:45 - Impact on Average Income Investors

00:04:16 - Cash Flow Importance in Property Investment

00:04:44 - Tax Refunds and Negative Gearing

00:05:30 - Government's Stance on New Properties

00:06:02 - Economic and Housing Supply Impact

00:06:40 - Benefits of Investing in New Properties

00:07:02 - Depreciation Benefits for New Properties

00:08:04 - Affordability and Long-Term Holding

00:08:48 - Market Shift Towards New Properties

00:09:17 - Tenant Preferences for New Properties

00:09:49 - Passive Investment Strategy with New Properties

00:10:09 - Supply and Demand Challenges

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Get a clear roadmap to build wealth, pay off your home fast, and save thousands in tax, Book your discovery call → https://accwealth.com.au/booking/

Thinking about buying your first investment property in Australia but not sure where to begin? This episode breaks down the basics of property investing, giving beginners a clear and simple roadmap before making their first move.

In this first episode of Access Wealth, Dory and Ben unpack the real foundations of smart investing, your why, your borrowing capacity, your finance structure, and the research that separates confident investors from emotional decision makers.

You will learn:

◼️ Why defining your why matters

◼️ How to prepare your finances and borrowing capacity

◼️ The role of equity, valuations and loan structuring

◼️ Why location research beats buying close to home

◼️ How to avoid emotional decisions and invest with confidence

◼️ What professional due diligence includes

Timestamps:

00:00:00 - Introduction

00:00:02 Why Long-Term Success Matters

00:00:12 Basics of Property Investing in Australia

00:00:23 Common Questions for New Investors

00:00:33 Asset Types Overview

00:00:36 Understanding Your Why

00:00:45 Tax, Mortgage and Retirement Pressures

00:01:15 Seeing Your Long-Term Mortgage Outlook

00:01:53 Tax Impact Over Time

00:02:20 Mortgage Interest Reality

00:02:31 Moving Beyond the Why

00:02:44 Borrowing Capacity and Finance Structure

00:03:06 Consequences of Poor Structuring

00:03:14 Importance of Valuations and Equity

00:03:29 How Valuations Can Vary

00:03:49 Cranbourne Valuation Example

00:04:31 Finance Structure and Due Diligence

00:04:41 Knowing Your Borrowing Capacity and Equity

00:05:01 Where Most People Invest Incorrectly

00:05:14 Limited Suburb Research

00:05:23 Why Most Australians Choose the Wrong Suburbs

00:05:36 Cutting Out 99 Percent of the Market

00:05:49 Emotional Buying and Auctions

00:06:09 Importance of Proper Advice

00:06:18 Researching 15,000 Suburbs

00:06:35 Outdated Property Beliefs

00:06:56 Emotional vs Strategic Decisions

00:07:10 Overwhelm and Investment Options

00:07:23 Mapping Out the Investment Steps

00:07:44 Importance of Data and Research

00:07:56 Due Diligence and Reporting

00:08:27 Financial Inputs and Ongoing Costs

Follow Access Wealth:

https://www.facebook.com/accwealth/

https://www.instagram.com/access_wealth

https://x.com/Access_WealthAU

https://www.linkedin.com/company/access-wealth-australia/