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Salary sacrifice sounds technical, yet the idea is simple. You swap part of your before-tax pay for a benefit, and you may lower your tax. In Defence, the specifics depend on how you're paid. Defence pay works differently from standard employment income. Allowances, deployments and subsidised...
The latest Federal Budget announced significant proposed changes to property investment taxation in Australia. While some of the headlines have created uncertainty for property investors, the implications for Defence members may be more positive than they first appear. A lot of the change steers investor support...
If you serve in the Australian Defence Force, you may be paying more tax than necessary. When it comes to military tax in Australia, missed deductions, complex allowances, and a unique pay structure can all add up. It can be easier than you think to...
Some Australians struggle to build an investment property portfolio, yet ADF members start with structural advantages most civilians never access. Stable income, defined career pathways and government-backed support create a stronger platform for long term wealth accumulation. Proper structure turns those advantages into a disciplined...
Finding the right mortgage broker Defence members can trust is more important than people often realise. ADF lending often involves income structures and service conditions that differ from standard civilian employment, and those differences can influence how lenders assess income and servicing. Choosing a broker...
Where income production is prioritised over personal use of the property The ATO considers income from Airbnb rentals as assessable income that you must declare on your tax return. This applies whether you’re renting out a spare room or an entire property. You must report all income earned from...
For Australian Defence members, property decisions are rarely simple. Postings change, locations shift, and timelines rarely follow a neat path. What works for civilians often creates constraints for Defence families, which is why rentvesting for Australian Defence members has become a widely discussed strategy. Rentvesting is...
Many Defence members are familiar with HPAS and DHOAS, but HPSEA is often misunderstood as just a simple rebate. In reality, it’s a reimbursement for certain costs that arise when a posting forces the sale of a home and, in limited and approved sell-then-buy circumstances,...
Understanding how gearing works is key to turning your income into lasting wealth. The way you structure your loan and manage your property’s performance, whether negative, neutral, or positive, shapes your long-term results. With the right gearing strategy, investors can balance cash flow, growth, and...
Australian Defence Force (ADF) members give years of service, yet many still find home ownership out of reach. Constant postings, confusing rules, and missed entitlements keep families renting for far longer than they need to. The Defence Home Ownership Assistance Scheme (DHOAS) was created to...
Australian Defence Force (ADF) members are entitled to some of the most powerful housing benefits in Australia. These entitlements were designed to give service men and women a financial edge, helping them secure homes and build lasting stability. The problem is that most people never unlock...
The Victorian Government has introduced significant Stamp Duty savings for buyers of the off-the-plan properties commencing from 21st October 2024 for 12 months. Who can access the concession? The new concession package will remove the existing Stamp Duty cap applicable to first home buyers and owner occupiers...
In addition to being the Director of Spectrum, Reid Swift also dedicates his time to perform the volunteer role of Treasurer and Executive Committee member for the Randwick Family Centre (RFC), located on-base at Randwick Barracks. As an Executive Committee member, Reid meets with...
From 1 July 2019, expenses associated with holding land and construction on that land were no longer outright deductible due to an Draft Tax Ruling issued by the Australian Tax Office. Recently the Tax Office finalised their Ruling and clarified their position. As a result:- Owners...
The 2024-25 budget handed down by the ACT government has announced an overhaul to Stamp Duty concessions for home buyers. From 1 July 2024: Stamp duty concession threshold for off-the-plan apartment or townhouse purchases increasing from $800,000 to $1 million Threshold for household income will...
Check out Volume 1 of our Vlog Our Director, Reid Swift provides a snapshot of everything that is happening in the finance industry including DHOAS loans, mortgages, loan repayments and interest rates. YouTube channel link here Tell us what you want to hear! Click here to contact us and...
Buying new property or existing - from a depreciation perspective Owning a property is a big financial responsibility, and there are many factors to consider when you decide to buy. Although depreciation is never the primary reason for purchase, it certainly has quite a bearing on the...
MONEY TIPS: Your essential guide to building an emergency fund What is an emergency fund? An emergency fund is essentially a savings safety net: money that you’ve stashed away for a ‘rainy day’. You commit to building it by putting money aside regularly and not touching it unless...
