How first home buyers can use concessional super contributions to build a deposit faster and pay less tax along the way. Saving a home deposit out of after-tax income is one of the hardest things a first home buyer does. Every dollar you set aside has already been taxed at your marginal rate, which for many buyers sits at 32 percent or higher once the Medicare levy is included. The First Home Super Saver (FHSS) scheme lets you redirect part of that saving into superannuation,

Most people overpay tax for one simple reason: they only think about it after 30 June, when the year is closed and nothing can be changed. Every strategy below works before the year ends. Almost none work after. Know your marginal rate first Your marginal rate is the tax rate on your next dollar of income. It tells you what every strategy is worth. The 2025-26 resident brackets: Taxable income Rate $0 to $18,200 0% $18,201 to $45,000 16% $45,001 to $135,000 30% $135,001 to $1

Treasury and the Senate Select Committee now point to a 25 percent CGT discount as the most credible May 2026 Budget outcome. We modelled what that does to a real property purchase across five ownership structures. The right answer holds; the gaps move; one option drops sharply. Despite the comments and views expressed below, the most ideal structure will still primarily be a discretionary trust. What is on the table Australia's capital gains tax discount has been the most st

The end of the financial year always arrives faster than people expect. One moment it feels like you've got three months of runway, the next, it's mid-June and you're hunting through a drawer for last year's receipts. If you live in the Northern Rivers, tax time has a few local wrinkles worth knowing about. Whether you're a Ballina tradie wrapping up another flat-out year on the tools, a sea-changer working remotely from your new place in Bangalow, or a Byron practitioner who