by Peter Ristevski | Dec 10, 2025 | Airbnb, ATO, Short stay holiday rentals
In late 2025, the ATO released three draft documents: TR 2025/D1 (Rental property income and deductions for individuals not in business), PCG 2025/D6 (Apportionment of rental property deductions) PCG 2025/D7 (Application of section 26-50, holiday homes also rented...
by Peter Ristevski | Dec 10, 2025 | APRA, Home loans, Mortgages, Property Investment
The Australian Prudential Regulation Authority (APRA) has announced a significant shift in the way banks assess mortgage risk, introducing debt-to-income (DTI) lending limits for the first time in Australia’s history. These new rules, effective 1 February 2026, place...
by Peter Ristevski | Dec 10, 2025 | ATO, Expats, Tax Strategies
After years abroad, many Australian expats are making the decision to return home. Amid career changes, lifestyle planning, and financial reshaping, one area consistently overlooked—but critically important—is tax planning. Re-entering the Australian tax system...
by Peter Ristevski | Nov 24, 2025 | Capital Gains Tax -ETFs, ETF - Echange Traded Funds, ETF Tax Implications, Franking Credits - ETFs
Exchange-Traded Funds (ETFs) are investment vehicles, often set up as unit trusts, that trade on the ASX (or other exchanges) like ordinary shares. Instead of buying individual stocks or bonds, when you invest in an ETF you get exposure to a diversified basket of...
by Peter Ristevski | Nov 24, 2025 | Medicare, Medicare levy exemption, Medicare Levy Surcharge
What’s the Difference Between the Medicare Levy and the Medicare Levy Surcharge? Many taxpayers are surprised to see both a Medicare levy and a Medicare levy surcharge on their notice of assessment. Although they sound similar, they serve different purposes. Here’s...
