RTRebecca TicknerFinance Broker

Insights

How I think about investor finance.

Notes on cross-collateralisation, lender sequencing, equity release, SMSF lending, self-employed structures and complex income. Written by a finance broker who runs the same playbook on her own seven-property portfolio.

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Investor Finance

Negative gearing and CGT after the 2026 budget

From 1 July 2027, the 2026 budget changes both negative gearing and the 50% CGT discount. Property bought before 7:30pm budget night is grandfathered for NG. Established property bought after isn't. CGT shifts to indexation plus a 30% minimum tax. Here's what changed, the dates, and what it means for your borrowing.

16 May 2026 · 4 min read

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Borrowing Strategy

Lender sequencing: the order you place loans is the lever nobody sees

Most investors pick the lender with the best rate. The order you place your loans across lenders matters more than the rate on any single loan, and almost no broker is thinking about it. Here's the lever.

15 May 2026 · 8 min read

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Investor Finance

Lazy equity: how to spot the $80K sitting in your existing property

Most investors save for years for their next deposit. The deposit is often already sitting in their existing property... they just can't see it. Here's how to spot lazy equity, what it's worth, and what to do with it.

14 May 2026 · 7 min read

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Investor Finance

Cross-collateralisation: why I almost always keep investor loans separate

Banks default to cross-collateralising your loans because it's easier paperwork at their end. The problem usually shows up later, when you're trying to sell, refinance, or buy property number three. Here's what to do instead.

7 May 2026 · 7 min read

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Quarterly Research

Whitepapers · numbered, dated, citation-friendly

Working observations on Australian investor lending policy. Compiled from the broker's desk, ungated, intended for citation.

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The Borrowing Power Framework.

Plain English guide on the four levers that move what you can borrow. You'll also get The Sunday Strategy: weekly notes from the broker's desk and quarterly whitepapers as they're published.

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