Tag: money
All the articles with the tag "money".
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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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Australian Tax Residency Guide 2026: Who Is a Resident for Tax Purposes and Why It Matters
Complete 2026 guide to Australian tax residency: the ATO's four residency tests, the new 183-day bright-line test from 2025, how residency affects tax rates, foreign income, CGT, and HECS repayment obligations.
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FIRB Approval for Foreign Property Buyers 2026: Fees, Rules, and Application Process
Complete guide to the Foreign Investment Review Board (FIRB) approval process for overseas property buyers in Australia in 2026. Covers application fees, types of properties foreign buyers can purchase, state surcharges, and common mistakes that lead to rejection.
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Negative Gearing in Australia Explained 2026: How Property Investors Reduce Tax
Clear explanation of how negative gearing works for Australian property investors in 2026. Covers the tax mechanics, capital gains tax implications, the difference between negative and positive gearing, and the ongoing policy debate around potential reforms.
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Australian Superannuation Funds Compared 2026: Industry Funds vs Retail Funds
Compare Australia's top super funds in 2026: AustralianSuper, Hostplus, UniSuper, Australian Retirement Trust. Covers fees, 5-year returns, insurance, and how to choose the right fund.
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Australian Income Tax Brackets 2026: Rates, Thresholds, and How Much You Actually Pay
Complete guide to Australian income tax brackets for 2025-26. Includes tax-free threshold, Medicare levy, tax offsets, and worked examples for salaries from AUD 45,000 to 200,000.
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Best Ways to Send Money to and from Australia 2026: Wise, OFX, Revolut vs Banks
Compare fees, exchange rates, and transfer speeds for Wise, OFX, Revolut, and Australian banks for international money transfers. Learn how to avoid hidden markups and save hundreds per transfer.
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Australian Tax Brackets 2026
Current income tax rates and brackets for Australian residents
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Negative Gearing Explained
Understanding investment property deductions in Australia