7 Mistakes You’re Making With Your Borrowing Capacity (And How to Beat the 2026 DTI Cap)
Expected Read Time: 6 min read TL;DR: Quick Summary The 2026 DTI Cap is real: Banks are now rationing "high debt" loans (over 6x your income). Credit cards are capacity killers: Banks assess the limit, not what you actually owe. Tax strategy vs. Borrowing power: Aggressive tax minimisation can lock you out of the market. […]
Stop Paying Rent to a Landlord: How to Buy Your Business Premises Using Your SMSF
Expected Read Time: 6 min read TL;DR: The Quick Summary Own Your Premises: Use your Self-Managed Super Fund (SMSF) to buy your commercial workspace and pay rent to yourself, not a landlord. Tax Efficiency: Enjoy a 15% tax rate on rental income and as little as 10% (or even 0% in pension phase) on capital […]
Buying vs. Building: Which Commercial Property Strategy Wins in 2026?
Estimated Read Time: 7 minutes TL;DR: The Quick Verdict Buying Existing: Best for speed and immediate cash flow. With Perth’s industrial vacancy rates hovering near record lows, finding an existing asset is a competitive "land grab." Building New: Best for customisation and long-term equity. If you can handle the 12–24 month lead time, building often […]
Rent vs. Buy: Is 2026 the Year to Own Your Warehouse?
If you’ve spent any time driving through the industrial corridors of Canning Vale, Osborne Park, or Wangara lately, you’ve likely noticed two things. First, there isn't a "For Lease" sign to be found. Second, your landlord seems to be taking an increasingly keen interest in the rising price of eggs: or at least, that’s the […]
