What everyday property buyers and investors actually need to know
What actually changed?
The Government has announced major tax changes that affect future property investors, particularly people buying established investment properties after 7:30pm on 12 May 2026.
The biggest changes are:

Negative gearing on most future established investment properties becomes less favourable
Capital gains

This week, the Reserve Bank of Australia increased the cash rate by another 0.25%, which has once again sparked the question:
“Should I fix my home loan?”
The honest answer is: maybe – but it depends more on your personal situation than the forecasts themselves.
Right now, a lot of the major bank forecasts are

Meet Pri – Relationship Manager Team Leader
 

Meet Priyanka – Relationship Manager Team Leader
Priyanka brings over 20 years of experience in banking and finance to her role as Relationship Manager Team Leader at Peasy. After building a long career in the industry, her journey to Peasy was a natural next step, bringing

Meet Em – Loan Admin Trainer

Em brings resilience, growth and a strong team mindset to his role as Loan Admin Trainer at Peasy. His journey to the business began during the early days of the pandemic. He was working for a BPO company in Manila supporting Australian clients when nationwide lockdowns were introduced.

Saving your first serious deposit – say $200,000 – is a massive achievement.
Years of discipline. Sacrifices. Delayed gratification.
So when you’re finally ready to buy an investment property, it feels like the obvious move to use that cash as your deposit.
But in many cases, that “common sense” decision can quietly cost you a

Meet Anita Kucharczyk – Buyers Coach
 

Meet Anita – Buyers’ Coach

Anita brings a unique combination of hands-on property investing experience, analytical thinking and client-focused education to her role as Buyers Coach at Peasy. Her journey into property started early, growing up in a family deeply

I’ve had quite a few clients contact me lately asking whether they should fix their rate or refinance because of the recent news around inflation, oil prices, and possible interest rate movements.
I’ve just recorded the latest “Should I Fix” analysis video that you can access here;
Navigating Interest Rate Decisions: Should You Fix? 📈

Right now, a lot of people are glued to the news.
What’s happening in the Middle East, how long it will last, whether it escalates further – it’s all anyone’s talking about.
And naturally, the question I’m getting is:
“What does this mean for property prices?”
The short answer
Property doesn’t price wars directly.
It

You may have seen some recent commentary about APRA tightening its focus on something called the Debt-to-Income ratio, or DTI.
A couple of clients have asked whether this changes everything.
Short answer?
👉 Not really.
👉 But it’s worth understanding.
First — What Is DTI?
Your Debt-to-Income ratio (DTI) is simply:
Your total debt divided

With the latest rate increase now in, I wanted to run another updated comparison between current variable rates and what’s available on fixed terms — and how lender forecasts might impact the decision over 1–5 years.
As always, this isn’t about predicting the future perfectly (because almost no one does). It’s about weighing up: