Tranche 2 Is Here: What the New Anti-Money Laundering Rules Mean for Your Property Deal
8 min read Quick Summary The Shift: As of 1 July 2026, real estate agents, lawyers, and accountants are now required to follow strict Anti-Money Laundering (AML) and Counter-Terrorism Financing (CTF) laws. Client Impact: If you are buying or selling property through a trust or company, expect significant requests for documentation before any contract is […]
The Discretionary Trust “Tick-Tock”: Why You Only Have 3 Years to Restructure Your Property Portfolio
8 min read Quick Summary The Deadline: A 30% minimum tax on discretionary trust income is set to start on 1 July 2028. The Opportunity: A three-year "rollover window" opens from 1 July 2027 to 30 June 2030, allowing asset transfers without triggering CGT. The Impact: Traditional "bucket company" strategies face potential double taxation, making […]
Industrial Is Still King: Why Perth’s Welshpool & Osborne Park Markets Aren’t Cooling Down
8 min read Quick Summary Market Divergence: While East Coast residential markets are cooling, Perth’s industrial sector is seeing record-low vacancy and surging demand. Osborne Park: A tightly held "generationally owned" precinct with vacancy rates currently sitting at a staggering 0.99%. Welshpool: The logistics backbone of WA, offering higher yields and irreplaceable infrastructure connectivity like […]
July 1 Pay Rises: Will a 4.75% Award Bump Crunch Your Business Cash Flow?
6 min read Quick Summary Wage Hike: Award wages increase by 4.75 percent from 1 July 2026. Minimum Wage: The national minimum wage rises to 26.44 dollars per hour. Cash Flow Pressure: Higher payroll costs can hit liquidity immediately, especially for businesses on long payment terms. WA Market: Perth businesses face added pressure from a […]
What 4.0% Headline Inflation and 3.6% Underlying Inflation Actually Mean for Borrowers
What 4.0% Headline Inflation and 3.6% Underlying Inflation Actually Mean for Borrowers Expected Read Time: 6 min read TL;DR: The Quick Summary – The Headline: The latest data shows headline inflation has hit 4.0 percent. – The Underlying: Underlying inflation has crept up to 3.6 percent, which tells the Reserve Bank that price pressures are […]
The LRBA Ban Explained: What the Labor-Greens Deal Means for SMSF Property Investors (2026)
The LRBA Ban Explained: What the Labor-Greens Deal Means for SMSF Property Investors (2026) | Baseline Finance Expected Read Time: 6 min read Quick Summary On June 23, 2026, the Australian Government struck a deal with the Greens to ban new Limited Recourse Borrowing Arrangements (LRBAs) for residential property within Self-Managed Super Funds. Existing loans […]
The Self-Employed Stigma: Why Your Bank Thinks Your Successful Business is a Risk
Slug: self-employed-stigma-bank-risk 6 min read TL;DR: The Quick Summary The "Stigma": Banks often view entrepreneurs as "higher risk" due to fluctuating income, even if their business is thriving. The Tax Paradox: Standard lending criteria focus on taxable income, which is often minimised for tax efficiency, hurting your borrowing capacity. The Baseline Difference: We don't just […]
The 7-Day Roadmap: Why Most Commercial Property Deals Fail Before the First Offer
Expected Read Time: 6 min read Quick Summary (TL;DR) The Trap: Most commercial property buyers fail because they start "hunting" before they have a benchmarked funding strategy. The Problem: Unclear budgets and weak financials make you look like a risk to agents and lenders. The Solution: Baseline Finance’s 7-Day Strategic Funding Plan provides a jargon-free […]
The Upfront Cost Illusion: Why Buying Your Next Piece of Equipment in Cash is Killing Your Growth
Expected Read Time: 7 min read TL;DR: The Quick Summary The Illusion: Paying cash for equipment feels "safe" because it avoids debt, but it actually drains the liquidity needed for growth. Opportunity Cost: That $100,000 sitting in a truck is $100,000 you can't use for marketing, hiring, or emergency buffers. The Solution: Asset finance allows […]
Refinance or Regret: Is Your Current Commercial Loan Sucking Your Working Capital Dry?
6 min read Quick Summary The Problem: Many Perth business owners are stuck in "set and forget" commercial loans with high interest rates and rigid structures that drain monthly cash flow. The Impact: Poorly structured debt acts as a silent tax on your working capital finance, preventing you from hiring, expanding, or upgrading equipment. The […]
