Financial Planner Luke Smith joined 2CC Talking Canberra in Money Matters, that aired live on Friday 11 September 2026 with 2CC’s Leon Delaney. The topic is: What should you consider when buying a property asset? There’s been a lot of changes to negative gearing as a result of the last Federal Budget. How you own a property matters more than ever. Family trusts don’t provide as much as they used to, but they can still have benefits. In this episode Luke takes a deep dive into the issues for first time and existing property investors. It’s a must listen to episode.
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 is the purpose of the property asset purchase? (Live in? Rent? Air B’n’B? Downsizing? Holiday home?). How you use the property will matter on how you buy it.
- Is there a financial reason you are buying? Are you buying it for capital growth or income?
- Be aware of interest rates, they might rise, you need to do modelling – many fail to consider interest rate rises.
- What happens if you don’t have tenants for 3 months if you’re renting it? Again, do your modelling.
- Have you considered the structure of the investment property?
- Neutrally geared and positively geared – let’s talk about these options.
- Retirement planning is all about cash flow and the source of your cash flow – think about these when buying a property too and how you dispose of the property.
- Think about your investment timeline when buying property. It’s a medium to long-term proposition.
- Buying the right property for your needs is essential – something you live in has completely different lens to something you rent.
- Holding costs also matter.
- Strata fees and rules can also present challenges that many investors fail to consider at the start.
- Luke explores his top tips when buying a property asset. This is a great checklist!
- Remember to seek advice if you need help. Make good decisions at the start.
Our podcast is also available on Apple Podcasts, Spotify and YouTube – ‘The Strategy Stacker – Luke Talks Money’
Do you need help with your investments and retirement planning?
Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals, including insurance, 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. 
