Property Investing

4 editor-reviewed guides in this category.

• Pros & cons of investing in property

  An honest look at the benefits — leverage, capital growth, rental yield, tax — alongside the costs that don't get the same airtime.

  6 min read

• Principal & interest vs interest only

  P&I pays down the loan; IO doesn't. Interest-only is cheaper short-term but costs more across the loan life — and APRA regulates how much IO is in the market.

  5 min read

• Capital gains tax 101

  When CGT applies, how the 50% discount works, the main residence exemption, and the 6-year rule that lets you keep the exemption while renting.

  5 min read

• What is negative gearing?

  When deductible expenses on an investment property exceed rental income, the loss can offset other taxable income. The mechanics, the maths, and where it actually pays off.

  5 min read