Financial Planner Luke Smith joined 2CC Talking Canberra in Money Matters, that aired live on Friday 5 June 2026. The topic is: Buying an investment property: Is it still a good decision? Last we spoke about the tax changes from the Federal Budget, and this episode continues that conversation from the perspective of a property investor.
Thank you for joining us live on 2CC, YouTube, Spotify or your favourite podcast streaming service for ‘The Strategy Stacker – Luke Talks Money’.
Key topics covered include:
- What’s the capital position that you can afford – depending on the type of property?
- How much can or will you borrow when buying an investment property?
- Banks are changing the way they look at loans for real estate.
- Negative gearing may change your ability to pay back a loan.
- What’s happening with interest rates right now and are you factoring in future rate rises?
- How will you borrow – for a home or an investment and how it is structured to pay it off?
- Do you have an offset account or a re-draw facility – they are not the same thing!
- House or unit – there are differences when you start dealing with body corporates in a unit/apartment.
- Don’t forget about land tax – it’s a big issue especially in the ACT.
- There are stamp duty considerations too regardless of your state or territory.
- If property was a good decision for you before the tax changes, is it still a good decision now?
- Who is going to own it? You as an individual or couple or a structure like a trust or company?
- Are there entry level properties? Perhaps you’re after a family home? Understand why are you buying it?
- Can you afford it? Importantly, can you afford it under duress?
- Luke shares his thoughts on buying a property in the post budget environment there’s a lot to consider.
Our podcast is also available on Apple Podcasts, Spotify and YouTube – ‘The Strategy Stacker – Luke Talks Money’
Do you need advice to help you consider your goals and investments?
Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals, including investment, super and retirement (including transition to retirement). Simply make an appointment to confidentially discuss your goals. Call Envision Financial Services on 6260 4749. You can use the contact us form to make an appointment, for a confidential discussion about your own goals and situation.
Luke will return to 2CC to talk about other ‘Money Matters’ next week, we hope you can join us. You can also catch up with ‘The Strategy Stacker – Luke Talks Money’ podcast at a time that suits you.
We look forward to your company again. Luke’s book Smart Money Strategy is out now. 
