Posts
All the articles I've posted.
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Foreign Buyer Stamp Duty Australia 2026: Surcharges by State from 0% to 9%, FIRB Approval, and Total Purchase Costs
A complete guide to foreign buyer stamp duty surcharges across all eight Australian states for 2026-27: NSW 9%, VIC 8%, QLD 8%, WA 7%, SA 7%, TAS 8%, ACT 0%, NT 0%. Includes FIRB application fees and process, annual land tax surcharges, and worked examples showing total duty payable by foreign buyers at $800,000 in each state.
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APRA 3% Serviceability Buffer and Borrowing Power 2026: How Much Can You Borrow in Australia?
Updated:Explains how APRA's 3% serviceability buffer works for home loan assessments in Australia, the debt-to-income ratio restrictions introduced in 2026, and the practical impact on how much home buyers can borrow. Sourced from APRA.
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HELP/HECS Repayments 2026-27: How the New Marginal System Changes What You Pay
Updated:A clear explanation of Australia's HELP/HECS compulsory repayment system for 2026-27, covering the marginal repayment structure introduced in 2025-26, the new income thresholds, and worked examples showing how much you repay at different salary levels. Sourced from ATO.
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Australian Income Tax Rates 2026-27: 15% Bracket Cut and How Much You'll Actually Keep
Updated:A plain-English breakdown of the Australian resident income tax rates for FY2026-27, including the 16% to 15% tax cut effective 1 July 2026, the 14% cut scheduled for July 2027, and worked examples showing take-home pay at common income levels. Sourced from ATO.
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Medicare Levy and Medicare Levy Surcharge (MLS) 2026: Who Pays What and How to Avoid the Surcharge
Updated:A straightforward guide to Australia's Medicare Levy (2% of taxable income) and the Medicare Levy Surcharge for higher earners without private hospital cover, with 2025-26 MLS income thresholds, tiered rates for singles and families, and the numbers on why basic hospital cover often costs less than the surcharge. Sourced from ATO.
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2026澳洲租客权利全解析：押金怎么退、维修谁负责、涨租与驱逐新规一次说清
全面解析澳大利亚租客的核心权利，涵盖押金保护制度、房东与租客的维修责任划分、各州涨租频率与通知期限、合法驱逐的正当理由，并前瞻2026年各州租赁法改革动向。无论你是留学生、新移民还是长期租户，本文帮你了解在澳租房必须知道的法律保障，避免踩坑。
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NSW Stamp Duty 2026-27: Transfer Duty Rates, First-Home Buyer Exemptions, and Foreign Purchaser Surcharge
Updated:A detailed guide to New South Wales transfer duty rates for 2026-27, including the CPI-indexed thresholds, full first-home buyer exemptions up to $800,000, the 9% foreign purchaser surcharge, and the $10,000 First Home Owner Grant for new homes. Sourced from Revenue NSW.
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South Australia Stamp Duty 2026-27: SA Conveyance Duty Rates, First Home Full Relief on New Builds, and Foreign Buyer Surcharge
South Australia stamp duty (conveyance duty) for 2026-27: standard residential rates, first home buyer full relief on new homes and off-the-plan with no price cap from February 2025, foreign buyer surcharge of 7%, and FHOG up to $15,000.
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First Home Buyer Costs Australia 2026: Stamp Duty, FHOG, Deposit, and Upfront Expenses Calculated by State
A complete breakdown of first home buyer upfront costs in Australia for 2026-27: stamp duty with exemptions by state, FHOG amounts and eligibility, deposit requirements including the federal 5% Home Guarantee, conveyancing and inspection fees, and worked examples showing total cash needed at settlement across NSW, VIC, QLD, WA, SA, TAS, ACT, and NT.
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Australian Stamp Duty Compared Across All 8 States 2026: What You Pay on an $800,000 Home in NSW, VIC, QLD, WA, SA, TAS, ACT, and NT
A state-by-state comparison of Australian stamp duty in 2026-27: standard duty payable on an $800,000 home in every state and territory, first home buyer exemptions and concessions, foreign buyer surcharges from 0% to 9%, and which state offers the lowest duty for each buyer type.
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WA Stamp Duty 2026-27: Western Australia Transfer Duty Rates, First Home Buyer Full Exemption up to $500,000, and Foreign Buyer Surcharge
Western Australia transfer duty for 2026-27: standard rates by property value, first home buyer exemption up to $500,000 with phasing to $700,000 in the metro area, regional boost to $750,000, foreign buyer 7% surcharge, and FHOG details.
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NT Stamp Duty 2026-27: Northern Territory Transfer Duty Rates, the $50,000 HomeGrown Territory Grant, and No Foreign Buyer Surcharge
Northern Territory transfer duty for 2026-27: the formula-based calculation for properties up to $525,000, tiered rates above, no foreign buyer surcharge, the HomeGrown Territory Grant of $50,000 replacing the old FHOG, and the FreshStart grant of $30,000 for previous owners building or buying new.