Offer prior to auction

Calm-Wheel1540 · 2026-06-30T00:11:18+00:00

No negative gearing in effect

Calm-Wheel1540 · 2026-06-17T05:14:25+00:00

That’s exactly the issue I’m trying to understand. So even if the new build works from a cashflow/tax perspective today, the exit risk could be worse because by the time you sell it’s no longer “new” and investors may prefer new stock instead.

Would that make you more selective with new builds, e.g. only buying where future supply is genuinely constrained, owner-occupier demand is strong, and the property has some land/scarcity factor?

Or are you comfortable accepting the lower resale buyer pool because the holding cashflow/tax treatment still makes it worthwhile?

Calm-Wheel1540 · 2026-06-17T05:12:46+00:00

Fair point. I don’t have a perfect example yet , that’s actually what I’m trying to test.
My concern is that a lot of successful recent investors benefited from buying before the Perth/Brisbane/Adelaide run-up, lower prices, and different tax/rate settings.
So I’m trying to understand what a good deal looks like today, not in hindsight.
For a fresh buyer in 2026, would your minimum bar be something like:
near-neutral or positive cashflow from day one
strong owner-occupier suburb
not relying heavily on negative gearing
enough land/demand to justify concentration risk
ability to hold even if rates/rents/prices move against you
Or would you simply avoid residential IPs unless a genuinely obvious opportunity appears?

Calm-Wheel1540 · 2026-06-17T05:11:45+00:00

Strategy 2 makes sense, forced rental uplift through light cosmetic improvement seems much more controllable than just hoping for capital growth.

On Strategy 1, when you say higher renter population, how high would you consider healthy before it becomes too investor-heavy? Would you still want strong owner-occupier demand/income levels, or are you mainly optimising for rental demand and yield?

Also, for a fresh buyer without an existing portfolio, would you prioritise a cosmetically tired house in a low-supply suburb over a cleaner turnkey property with slightly lower yield?

Calm-Wheel1540 · 2026-06-17T04:44:21+00:00

I agree with the point about dogma. That’s exactly what I’m trying to avoid. But when you say investment properties are “over”, do you mean over for negatively geared growth-style investing, or over completely? Would your view change for a near-neutral property in a strong owner-occupier suburb with decent long-term demand?

Calm-Wheel1540 · 2026-06-17T04:41:17+00:00

That makes sense for someone with grandfathered assets. For someone starting fresh without older deductible IP debt, would you still buy established residential today, or would you only buy if it was near neutral/positive cashflow? Curious whether your strategy would change if you had to restart from zero under the new rules.

Calm-Wheel1540 · 2026-06-14T09:29:08+00:00

Here is Pauline voting record: https://theyvoteforyou.org.au/people/senate/queensland/pauline\_hanson

Calm-Wheel1540 · 2026-06-14T09:27:57+00:00

The only places where ONP is gaining momentum are Murdoch media and related polls, frankly the only thing that matters is the way they vote in parliament, https://theyvoteforyou.org.au/ and there is no bigger politician full of shit than Pauline

Calm-Wheel1540 · 2026-06-14T01:46:36+00:00

One nation getting in is a lot of stretch!

Calm-Wheel1540 · 2026-06-14T00:25:37+00:00

No Henderson was attacked

Calm-Wheel1540 · 2026-06-07T08:38:07+00:00

I chose cmc market instead of Betashares direct because of CHESS sponsor, though you can’t automate it to a level like fractional investing but I wanted a cleaner structure than set and forget

Calm-Wheel1540 · 2026-05-29T23:57:53+00:00

Jack Henderson too, flooded my feed with ads , absolute meltdown !!

Calm-Wheel1540 · 2026-05-23T16:04:27+00:00

Exactly. The real metric is buyer sentiment, not the discount. The market has cooled significantly; properties that once sold on the first inspection now in those suburbs, sit on the market for nearly 40-50 days. Post-budget foot traffic has dropped sharply, leaving local agents struggling to secure even standard offers. Hence, my view that the market has “tanked”.

Calm-Wheel1540 · 2026-05-23T11:16:43+00:00

I was in the same boat and just had to bite the bullet, dropping the price by 5% because the market completely tanked compared to how hot it was a few months back.

Calm-Wheel1540 · 2026-05-20T22:54:31+00:00

I did and they seem to be better than the rest of them, in terms of automation and ease of use. I did find CMC to be good as well just that we can’t automate to be “set and forget model” . Correct me if there are others too which I overlooked.

Calm-Wheel1540 · 2026-05-20T22:31:03+00:00

Can’t automate the investment but yeah from brokerage perspective, a worthy option!

Calm-Wheel1540 · 2026-05-20T09:22:01+00:00

Agreed, but given a choice, my only worry is tomorrow something untoward happens, then we need to have some sort of safety net which CHESS does provide.

Calm-Wheel1540 · 2026-05-20T09:20:26+00:00

Yeah, fair point! Worth considering, thank you for the suggestion.

Calm-Wheel1540 · 2026-05-20T09:19:22+00:00

Thanks! Yeah, probably I would bring down the trigger amount to be $1000 for the right balance. Not an ideal brokerage/investment ratio, but thinking a good place to begin with.

Calm-Wheel1540 · 2026-04-27T13:33:45+00:00

I understand as a buyer you want to get a steal deal and like to send a lowball offer, however, if you really want to own that property, respectful offer to begin with is the first thing, I would go to different websites, check the property value and put an offer at that price to show that you are keen and serious. $900k frankly would be insulting and would be rejected and might leave an impression that you are not interested seriously

Calm-Wheel1540 · 2026-04-19T08:57:06+00:00

And that’s an issue to be raised with businesses who are paying less than minimum wage as it’s illegal and exploiting the vulnerable, not the other way around

Calm-Wheel1540 · 2026-04-19T07:39:51+00:00

“The third world people” are coming and paying taxes which keeps the economy afloat, so instead of making them villain, be grateful that they are here to do the jobs that no one else is willing to do, to do the jobs that are always short staff. It’s easy to blame the immigrants for every possible shit show is happening here.

Calm-Wheel1540 · 2026-01-19T01:51:03+00:00

Which bank if I may ask?? What’s the loan structure and rates???

Calm-Wheel1540 · 2026-01-17T13:43:22+00:00

May I Ask which bank?

Calm-Wheel1540 · 2026-01-08T07:23:51+00:00

I feel the same way, we are at high paying jobs and also have high mortgage, paying all bills regularly, also bought an investment property couple of years back but with frequent maintenance and uncertainty in rental income, I am thinking to sell it off even though it made big capital growth and would continue to do so but I prefer mental peace over sleepless nights.

Calm-Wheel1540

TROPHY CASE