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Overview The Treasury Laws Amendment (Better Targeted Superannuation Concessions) Bill 2023 (Bill) proposes to insert new Division 296 (Div 296) into the Income Tax Assessment Act 1997 (Cth) (ITAA) to impose an extra 15% on certain member’s superannuation balances. Broadly, from 1 July 2025, the Div 296 tax will apply where a member’s total superannuation balance (TSB) exceeds $3...
Despite two much-awaited rate cuts this year, plenty of Australian households are keeping their mortgage repayments on hold – and it could see them save in long-term interest costs. 2025 is shaping up to be a much better year for borrowers than 2024! Already, we’ve chalked up two rate cuts, and some experts are predicting there...
Australian borrowers have received another reprieve with the Reserve Bank of Australia (RBA) today cutting the cash rate by 25 basis points to 3.85%. How much could this decrease your monthly mortgage repayments? This is the second cash rate cut in 2025, as the RBA attempts to ease cost-of-living pressures on Australian families. RBA Governor...
It’s a common belief that real estate values double every decade. But is this true? New research reveals how much home values have increased over the past ten years. It’s no surprise that something as big as Australia’s $11 trillion housing market has generated its fair share of myths and misconceptions. Chances are you’ve come...
There’s a common misconception around offset account home loans that making loan repayments more frequently helps to pay off the balance much sooner. We bust that myth and reveal the real secret to harnessing the power of your offset account. You may have heard that making repayments more frequently, say weekly instead of monthly, helps pay...
Tariff-triggered cuts to interest rates could be just around the corner, with Australian borrowers the likely winners if they come to fruition. US trade policies have hit media headlines this month following Donald Trump’s controversial tariff announcements on 2 April. The flow of tariff announcements coming out of the US has rattled share markets...
The way superannuation is paid may be about to undergo a significant transformation. The Labor government’s proposed “payday super” reforms would require employers to pay employees’ superannuation contributions within seven calendar days of every payday. Draft laws have been released for comment, and payday super is intended to apply from 1 July 2026, it’s important...
In the wake of recent cyber-attacks on several large Australian super funds, you might be wondering how to protect your retirement savings. The past few years have seen significant data breaches from well-known Australian companies outside of the superannuation sector, exposing a huge amount of consumer personal identity information. The cyber-attacks on superannuation funds reportedly...
You may be starting out in business and trying to decide whether to become a sole trader or to set up a company. Alternatively, you may already be an established sole trader and considering switching to become a company. Tax considerations are vital in deciding which of the two business structures is most suitable for...
In today’s sharing economy, platforms like Airbnb have made it easier than ever to earn extra income by renting out a spare room or your entire home – but many Australians are unaware of the tax implications that come with these arrangements. When you rent out all or part of your residential property through digital...
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