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Glossary
Navigate the jargon of the Property
Investment market.
What is homevesting?
Using nothing but your own home to invest in property.
What is rentvesting?
Rentvesting is a home-owning strategy where you rent a property to live in that’s right for your lifestyle, while you own an investment property that’s right for your budget. As home prices in inner-city areas have gone up, this strategy is increasingly popular, especially among younger buyers.
What is depreciation?
What is property depreciation? … Australian law allows investors to claim tax deductions on both the decline in value of the building’s structure and items considered permanently fixed to the property and the decline in value of plant and equipment assets found within it (think ovens, dishwashers, carpets and blinds).
What is negative gearing?
Negative gearing essentially means borrowing to invest, as when you take an investment loan, your property is ‘geared’. ‘Negative gearing’ happens when the costs of owning a rental property exceed the rental income. The key benefit of negative gearing is that any net rental loss you have during the financial year may be offset against other income you earn, such as your salary. This reduces your taxable income and how much tax you have to pay.
What are rental yields
Rental yield is basically the amount of money you make on an investment property by measuring the difference between your overall costs and the income you receive from rental income. Understanding what your rental yield is, allows you to determine if your overall ins and outs of the property are viable.
What is strata?
Strata title is a model of property ownership in Australia that allows individuals to buy ownership in a larger property or building. As an owner of a ‘lot’ within a ‘Strata Complex’, you own your lot as well as a share in the ‘common property’.
What is Lenders Mortgage Insurance (LMI)?
Lenders Mortgage Insurance (LMI) is insurance that a lender takes out to insure itself against the risk of not recovering the outstanding loan balance if you, the borrower, are unable to meet your loan payments and the property is sold for less than the outstanding loan balance.
What does off-the-plan mean?
What is buying off the plan? Buying off the plan means buying a property that hasn’t been built yet or is still under construction. You make your decision to buy based on the building plans and designs, rather than the finished product.
What is stamp duty?
Stamp Duty is a tax imposed by State governments in all Australian States and Territories. It is more than just a tax on the purchase of your family home. Broadly, it arises on the sale or transfer of a wide range of personal and business related assets.
What is capital gains tax?
Capital gains tax (CGT) is the tax you pay on profits from selling assets, such as property.
You report capital gains and capital losses in your income tax return and pay tax on your capital gains. Although it is referred to as ‘capital gains tax,’ it is part of your income tax. It is not a separate tax.
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