Should you still buy property after the latest Australian Budget changes to negative gearing and capital gains tax?

Molly sits down with buyers’ agent and property investing expert Arjun Paliwal from Investorkit to break down what’s actually changed for Australian property investors and first home buyers, what hasn’t, and whether the recent tax changes should really affect your decision to buy property.

With so much confusion around negative gearing, capital gains tax, new build incentives and property investing, it’s easy to panic and put your plans on hold. This episode cuts through the noise with clear, practical advice, no jargon, no scaremongering.

Whether you're considering buying your first home, investing in property, or you've paused your plans because of the latest government changes, this episode will help you understand what the new rules could mean for you.

In this episode, you'll learn:
What’s actually changed with negative gearing, capital gains tax and new build incentives
What the latest Australian Budget changes mean for property investors and first home buyers
Why property finance applications have reportedly dropped since the Budget
Arjun’s five-point checklist for knowing when it could be the right time to buy
Why new build investment properties aren’t automatically better
What happens if you buy property now, including the July 2027 and July 2028 cut-offs
How interest rate cuts and rising rents could offset some of the impact of negative gearing changes
Who is actually affected by the new property tax rules, and who isn’t
What the proposed capital gains tax discount changes and 30% minimum tax could mean for investors
The “third decade effect” and why time in the market can matter more than perfect timing
Why uncertainty doesn’t necessarily mean you should stop investing

Who is this episode for?

This episode is for Australian women thinking about buying their first home or an investment property, anyone feeling anxious about recent Australian Budget and property tax changes, and women who want to make property investment decisions based on strategy rather than fear.

The biggest takeaway? The property fundamentals haven’t necessarily changed as much as people’s confidence has. And understanding the difference could help you make a much more informed decision about your next move.

🎧 Want more from Arjun?

Arjun Paliwal is one of the speakers joining us at the Online Wealth Summit 2026, a free one-day virtual financial education event designed to help you make smarter, more confident decisions with your money.

👉 Register for the 2026 Online Wealth Summit

 

If you're serious about building long-term wealth, don't miss our Online Wealth Summit - https://www.ladiesfinanceclub.com/online-wealth-summit-2026, where Australia's leading money experts will share practical strategies to help you grow your wealth with confidence.

Buying a property? Need Financial Advice? Time to sort the Will? Let us help connect you with an awesome woman in finance! https://directory.ladiesfinanceclub.com/


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Join thousands of Australian women getting savvy with their finances -subscribe to the Ladies Finance Club newsletter for the latest money hacks, expert advice, and exclusive event invites! Sign up here at https://www.ladiesfinanceclub.com/newsletter25

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The advice shared by Ladies Finance Club is general in nature and does not consider your individual circumstances. Our content is for educational purposes only and should not be relied upon to make financial decisions. If you are considering purchasing a financial product, read the PDS and TMD and seek financial advice tailored to your personal needs. Molly Benjamin and Ladies Finance Club Pty Ltd are authorised representatives of Wattle Partners Pty Ltd, AFSL 383169.

Ladies Finance Club acknowledges the Traditional Owners of the Land on which this podcast was recorded, the Gadigal people of the Eora Nation. We pay our respects to their Elders past and present and extend that respect to all Aboriginal and Torres Strait Islander peoples.

[See omnystudio.com/listener for privacy information.]

Should you still buy property after the latest Australian Budget changes to negative gearing and capital gains tax?
Molly sits down with buyers&rsquo; agent and property investing expert Arjun Paliwal from Investorkit to break down what&rsquo;s actually changed for Australian property investors and first home buyers, what hasn&rsquo;t, and whether the recent tax changes should really affect your decision to buy property.
With so much confusion around negative gearing, capital gains tax, new build incentives and property investing, it&rsquo;s easy to panic and put your plans on hold. This episode cuts through the noise with clear, practical advice, no jargon, no scaremongering.
Whether you're considering buying your first home, investing in property, or you've paused your plans because of the latest government changes, this episode will help you understand what the new rules could mean for you.
In this episode, you'll learn:
<ul>
<li aria-level="1">What&rsquo;s actually changed with negative gearing, capital gains tax and new build incentives</li>
<li aria-level="1">What the latest Australian Budget changes mean for property investors and first home buyers</li>
<li aria-level="1">Why property finance applications have reportedly dropped since the Budget</li>
<li aria-level="1">Arjun&rsquo;s five-point checklist for knowing when it could be the right time to buy</li>
<li aria-level="1">Why new build investment properties aren&rsquo;t automatically better</li>
<li aria-level="1">What happens if you buy property now, including the July 2027 and July 2028 cut-offs</li>
<li aria-level="1">How interest rate cuts and rising rents could offset some of the impact of negative gearing changes</li>
<li aria-level="1">Who is actually affected by the new property tax rules, and who isn&rsquo;t</li>
<li aria-level="1">What the proposed capital gains tax discount changes and 30% minimum tax could mean for investors</li>
<li aria-level="1">The &ldquo;third decade effect&rdquo; and why time in the market can matter more than perfect timing</li>
<li aria-level="1">Why uncertainty doesn&rsquo;t necessarily mean you should stop investing</li>
</ul>
Who is this episode for?
This episode is for Australian women thinking about buying their first home or an investment property, anyone feeling anxious about recent Australian Budget and property tax changes, and women who want to make property investment decisions based on strategy rather than fear.
The biggest takeaway? The property fundamentals haven&rsquo;t necessarily changed as much as people&rsquo;s confidence has. And understanding the difference could help you make a much more informed decision about your next move.
🎧 Want more from Arjun?
Arjun Paliwal is one of the speakers joining us at the Online Wealth Summit 2026, a free one-day virtual financial education event designed to help you make smarter, more confident decisions with your money.
👉 <a href="https://www.ladiesfinanceclub.com/online-wealth-summit-2026">Register for the 2026 Online Wealth Summit</a>
&nbsp;
If you're serious about building long-term wealth, don't miss our&nbsp;<a href="https://www.ladiesfinanceclub.com/online-wealth-summit-2026">Online Wealth Summit - https://www.ladiesfinanceclub.com/online-wealth-summit-2026</a>, where Australia's leading money experts will share practical strategies to help you grow your wealth with confidence.
<a href="https://directory.ladiesfinanceclub.com/">Buying a property? Need Financial Advice? Time to sort the Will? Let us help connect you with an awesome woman in finance!&nbsp;</a><a href="https://directory.ladiesfinanceclub.com/">https://directory.ladiesfinanceclub.com/</a> 
💌 Want more money tips straight to your inbox? Join thousands of Australian women getting savvy with their finances -subscribe to the Ladies Finance Club newsletter for the latest money hacks, expert advice, and exclusive event invites!<a href="https://www.ladiesfinanceclub.com/newsletter25"> Sign up here at https://www.ladiesfinanceclub.com/newsletter25</a>
Are we friends on Instagram? <a href="https://www.instagram.com/ladiesfinanceclub">Follow us here at https://www.instagram.com/ladiesfinanceclub</a>
The advice shared by Ladies Finance Club is general in nature and does not consider your individual circumstances. Our content is for educational purposes only and should not be relied upon to make financial decisions. If you are considering purchasing a financial product, read the PDS and TMD and seek financial advice tailored to your personal needs. Molly Benjamin and Ladies Finance Club Pty Ltd are authorised representatives of Wattle Partners Pty Ltd, AFSL 383169.
Ladies Finance Club acknowledges the Traditional Owners of the Land on which this podcast was recorded, the Gadigal people of the Eora Nation. We pay our respects to their Elders past and present and extend that respect to all Aboriginal and Torres Strait Islander peoples.
[See omnystudio.com/listener for privacy information.]

Welcome to Get Rich by Ladies Finance Club - the personal finance podcast that helps women do just that: get rich and stay rich. Hosted by Molly Benjamin, founder of the award-winning Ladies Finance Club and a reformed hot financial mess, this is where smart, ambitious women come to take control of their finances, grow their wealth, and level up their money game.  

We make personal finance fun, fearless, and totally doable no matter where you're starting from. No confusing jargon, no guilt trips - just high-impact, simple money strategies that anyone can start using right away.  

Whether you’re saving for a home deposit, creating a budget that actually works, investing in property or the sharemarket, growing your income, or finally figuring out superannuation, this podcast has you covered.   Hit subscribe and let’s get rich (and stay rich) together.

Welcome to Get Rich by <a href="https://instagram.com/ladiesfinanceclub">Ladies Finance Club</a> - the personal finance podcast that helps women do just that: get rich and stay rich. Hosted by Molly Benjamin, founder of the award-winning Ladies Finance Club and a reformed hot financial mess, this is where smart, ambitious women come to take control of their finances, grow their wealth, and level up their money game. &nbsp;
We make personal finance fun, fearless, and totally doable no matter where you're starting from. No confusing jargon, no guilt trips - just high-impact, simple money strategies that anyone can start using right away. &nbsp;
Whether you&rsquo;re saving for a home deposit, creating a budget that actually works, investing in property or the sharemarket, growing your income, or finally figuring out superannuation, this podcast has you covered. &nbsp; Hit subscribe and let&rsquo;s get rich (and stay rich) together.

Ladies Finance Club - Get Rich 

Welcome to Get Rich by Ladies Finance Club- the personal finance podcast that helps women do just that: get rich and stay rich.

Hosted by Molly Benjamin, founder of the award-winning Ladies Finance Club and a reformed hot financial mess, this is where smart, ambitious women come to take control of their finances, grow their wealth, and level up their money game.  

We make personal finance fun, fearless, and totally doable no matter where you're starting from. No confusing jargon, no guilt trips - just high-impact, simple money strategies that anyone can start using right away.  

Whether you’re saving for a home deposit, creating a budget that actually works, investing in property or the sharemarket, growing your income, or finally figuring out superannuation, this podcast has you covered.  

Hit subscribe and let’s get rich (and stay rich) together.

Welcome to Get Rich by Ladies Finance Club- the personal finance podcast that helps women do just that: get rich and stay rich.
Hosted by Molly Benjamin, founder of the award-winning Ladies Finance Club and a reformed hot financial mess, this is where smart, ambitious women come to take control of their finances, grow their wealth, and level up their money game. &nbsp;
We make personal finance fun, fearless, and totally doable no matter where you're starting from. No confusing jargon, no guilt trips - just high-impact, simple money strategies that anyone can start using right away. &nbsp;
Whether you&rsquo;re saving for a home deposit, creating a budget that actually works, investing in property or the sharemarket, growing your income, or finally figuring out superannuation, this podcast has you covered. &nbsp;
Hit subscribe and let&rsquo;s get rich (and stay rich) together.