EOFY Tax Decisions and Borrowing Capacity: What Self-Employed Borrowers Should Understand
If you're self-employed and considering a property purchase or refinance in the next one to two years, the tax decisions you make before June 30 directly affect the income figure a lender will assess. This article explains how the two are connected — and why it's worth understanding the trade-off before lodging your return, not after.
Offset vs Redraw: Why the Difference Is About More Than Interest Savings
Offset and redraw both reduce the interest on your home loan, but they work differently — and in certain situations, that difference has tax implications. This article explains why the distinction matters for investment debt and what to understand before choosing a structure.
