Sally BlythLenders assess serviceability by stress testing your repayments at higher interest rates. You should do the same to avoid surprises. We use three practical scenarios to show how borrowing power and repayments change: current rate, +1.5% stress, and +3.0% severe stress.
Sally BlythNeutral or positive gearing is achievable in 2026, but it requires deliberate choices. With interest rates and costs higher than recent years, investors must use a combination of suburb selection, property type, finance structure and active management to improve cashflow.
Sally BlythThe Sunshine Coast remains a seller’s market with strong demand and limited supply. What $1M buys today varies dramatically by suburb and property type. For buyers targeting a 4-bed free-standing home, $1M is competitive and often stretched in popular family suburbs. Here’s a practical breakdown to help you decide where to focus.
Sally BlythWe built Baxter & Mason on trusted relationships and great outcomes. If we’ve helped you find, buy or manage property, the highest compliment is a referral. To show our appreciation, we’ll pay $1,000 for every new client you refer who signs up for our buyer service.
Sally BlythEquity is a powerful tool when used deliberately. Refinancing can lower repayments, consolidate debt or free up cash to fund renovations, a family holiday, or business investment for TJSS Management. The key is a plan that balances lifestyle benefits with long-term financial health.
Sally BlythBuying property is rarely a one-and-done decision. Even if you settled last month, thinking ahead gives you leverage when markets shift, finance changes, or family needs evolve. There are three practical paths to consider now: buy to invest, buy to live later (side-step), and buy to upgrade. Each path has different priorities for cashflow, capital growth, tax and timing. Buy to invest prioritises rental yield and tenant demand. Look for suburbs with reliable long-term tenants, low vacancy and scope to add value. This path supports business cashflow and builds equity you can use later.
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